23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was sent an e-mail by Experian that claims they are refusing to generae a credit report for me due to fraud concerns. Experian claims they need a form of identification that shows my current address and a utility bill, bank statement, etc., in order to generate a credit report. To be clear, I do not have stable housing at this point due to Experian 's own negligence. That is Experian has declined to remove items from my credit file that do not meet the standard of maximum possible accuracy under 15 U.S. Code 1681e, even after I've provided documentation generated by the data furnishers that show the accounts/tradelines are inaccurate as reported by Experian, and as furnished to Experian by the data furnishers. The effect of the inaccuracies in my Experian credit files has led tenant screening companies to inform management companies to deny me tenancy, even with a salary that is at or exceeds XXXX XXXX dollars in total annual compensation. Thus, Experian 's negligence has placed me in a position where I am unable to obtain a credit report from them, and where Experian will not process my disputes. After filing dozens of disputes through Experian, and filing dozens of complaints through CFPB citing the same inaccuracies in my Experian credit files, Experian knows or should know the information that they are furnishing is false/misleading/inaccurate and the information needs to be removed. This will be going to my attorney.
Product: Payday loan, title loan, personal loan, or advance loan

I have 4 entries on my credit report erroneously from a company called AFFIRM INC . I have reached out to XXXX to dispute more than once. AFFIRM INC, claims that I am responsible for these accounts. I have never had an account with this company. I have requested multiple times for AFFIRM to provide the proof/documentation of this claim. They have not provided this information. i have made multiple attempts via phone to have this proof/documentation provided with no success. 

there contact information is as follows : AFFIRM INC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Product: Mortgage

My mortgage company ( Stearn Lending, LLC did not pay my XXXX property tax out of escrow. I received a past due notice from county treasurer office XXXX. I immediately called the mortgage company and the customer service rep told me they will look into it and will get back with me within 2 weeks. Since then, I have made an additional XXXX phone calls to check the status of the situation and each time, they put me on hold, so that the can look at the account and then tell me that they will investigate it and get back with me within 5 business days. I never get a call back from them. I have mailed the orginal of the tax notice and faxed the tax notice per their request. I have even gone on-line and submitted my complaint and I still havent received a reply after 2 weeks.
Product: Debt collection

XX/XX/year> They called my job and spoke with my boss about sending court documents for me to sign and left a number for me to call them along with a case number. When I called them, they threatened to garnish my wages if I did not pay them over the phone. I requested for them to send me mail because I was not comfortable sending anything over the phone. They refuse to send something stating that they sent it XXXX months ago however I never received anything.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the ongoing challenges I am facing in removing fraudulent items from my credit report. Despite my initial attempts and the provision of supporting documentation, the fraudulent entries persist, causing continued harm to my creditworthiness and overall financial well-being. 

As previously communicated, I have attached copies of my credit reports highlighting the specific fraudulent items, along with the supporting documentation that unequivocally establishes the illegitimate nature of these entries. 

Despite these efforts, the fraudulent items persist on my credit report, and I have not received any satisfactory resolution. I understand the gravity of identity theft and the necessity for swift resolution to protect both consumers and creditors. 

I am requesting, once again, that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this follow-up complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account XXXX : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to XXXX XXXX the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XXXX as I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that XXXX XXXX   didn't know that I had no options available.
Product: Credit reporting or other personal consumer reports

I have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity.

( c ) The term " consumer '' means an individual.

( d ) CONSUMER REPORT.

Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) ExcLsions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi. 

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's the law.
Product: Credit card or prepaid card

On X/X/2017 I overpaid my account by {$270.00}. I intended to pay another account I held with Synchrony Financial. I recognized my mistake and called them on X/XX/17. I call them to inform them of this mistake. They assured me they would correct the mistake and credit the correct account. They mistakenly transferred twice that amount. They then sent a statement showing I owed {$270.00} because of their mistake. I called and spoke to 2 representatives in XXXX who told me I owed the money. I asked to be transferred to a representative in the United States. I then spoke with a young lady who could n't assure me they would fix my issue. I then asked to speak to her boss by the name of XXXX. XXXX could n't have been any more rude or disrespectful. He finally admitted the mistake but gave no assurance they would make it right. This company seems to be deceiving their customers in order to gain financially! They need to be audited federally to show this unethical practice.
Product: Mortgage

My mortgage was being serviced by XXXX XXXX XXXX XXXX. On or about XX/XX/year> the loan was sold to XXXX XXXX. During the period of transition I sent my regular mortgage payment on time and the bank misapplied the payment to principal without my consent. I have been sending additional {$1000.00} a month payments to principal for a year and they were never applying those payments to principal, despite the fact that I was putting the words " Additional to Principal '' in the memo section of the check. They were putting them in a suspense account. After calling several times, they said that they applied those payments to principal. When the account was transferred to XXXX XXXX, I started getting mortgage statements that showed I was one month behind. That caused me tremendous anguish and I started calling the servicer to request an explanation. After calling numerous times with no logical explanation received from them, I requested to speak to a supervisor and the representative finally told me that the reason they were showing a month behind, was because the prior servicer applied my last payment ( that was my regular mortgage amount ) to principal. The lady told me there was nothing she can do and that I needed to just make another payment. I told her I do not have {$6000.00} hanging around to just make an additional payment. I have a budget, and I made my payment on time, so I needed them to rectify the situation on their end. She replied saying they could not do that. I requested a payment history and she emailed me right away 3 documents that are not legible. I am currently applying for a mortgage to buy a principal residence and when the loan officer saw my mortgage statement that showed I am behind a month, he told me he can not submit that because I would be denied. I have spoke to cpuple of attorneys to see if I can initiate a suit against this lender, but no one seems to want to take my case. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I checked my credit after being denied multiple times for a new auto loan. I noticed an account for COMMONWEALTH FINANCIAL in the amount of {$650.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX   XXXX XXXX. 

First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency.

Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income.

Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
Product: Payday loan, title loan, or personal loan

My wife it called to make a payment and inquired about why could not access the account online to make payments was told needed an email address did that still could not access the account online so my wife set up for them to do auto-pay on the account have not heard anything until XX/XX/2018 from a debt collector and on my credit report shows it as being closedand late
Product: Checking or savings account

I am writing to formally file a complaint against both Chime Financial and XXXX XXXX XXXX XXXXXXXX, Member FDIC regarding my ongoing issues with unauthorized transactions on my account. My experience with both institutions has raised serious concerns about their practices concerning dispute resolution and customer service. 
During my period of incarceration, several unauthorized transactions were made from my Chime account. Upon discovering these activities, I promptly notified Chime and initiated the dispute process, providing comprehensive documentation to substantiate my claims, including : Official records verifying my incarceration, demonstrating my inability to authorize financial transactions during the relevant period. 
Detailed information about the specific unauthorized transactions in question. 
A letter from another financial institution, XXXX XXXX, approving my dispute based on the same evidence I submitted. 
Despite providing this conclusive evidence, which has been accepted by another financial institution, Chime has repeatedly denied my disputes without a clear or substantiated rationale. The denial letters have been vague, lacking the necessary details to understand the basis of their decisions. When I attempted to clarify my claims further, Chime informed me that they would not accept my letter as a basis for reopening the investigation. 
Key concerns I would like to highlight include : Repeated Denial of Disputes : Chime 's continuous denial of my claims, despite compelling evidence, reflects a failure to conduct a thorough investigation into my case. 
Unfair Dispute Resolution Process : Chime 's process appears arbitrary, dismissing evidence accepted by another institution that directly contradicts their findings. 
Insufficient Explanation for Denial : There has been a lack of clear and detailed explanations for the denial of my claims, complicating my ability to understand the decision-making process. 
Recent Attempted Fraud : On XX/XX/year>, there was an attempted fraudulent transaction on my account for {$320.00}, as well as XX/XX/year> for the amount of {$40.00} which were thankfully prevented this time. These incidents further emphasizes the need for Chime/XXXX to take my security concerns seriously and thoroughly investigate all suspicious activities on my account. 
Throughout this process, I have faced dismal customer service, now feeling caught in a cycle of being passed back and forth between Chime and The XXXX XXXX XXXX, Member FDIC, with little resolution. This lack of accountability is extremely disappointing and contradicts the high standards of service that I expected from both institutions. 
Given the gravity of this situation, I am also filing a formal complaint against The XXXX XXXX  to seek necessary rectification. I strongly urge both Chime and The XXXX XXXX  to reconsider the findings of my dispute and conduct a thorough re-evaluation of the evidence I have submitted. 
I look forward to your prompt attention to this matter and a timely resolution.
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters to XXXX, XXXX and Experian throughout the year of XXXX XXXX XXXX XXXX XXXX that my information was comprised of my identity, and they said it was investigated. However, I did not get any documents showing what, when and how any information was belonging to me. 

Letters were sent with my correct name, address, driver 's license and so forth, but they still have it wrong on my report. Information about the identity issue was sent in and it was denied. 
However, I have not been able to acquire the things that will help my ill mom because of this. I have over a XXXX  items which the companies were informed they were not accurate for one reason or another. ( The inaccurate information is causing me to stress and become ill myself. It was even noted to the companies that the FCPA first initial is to be FAIR, and this is not fair by any means. ) XXXX : XXXX XXXX : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX : XXXX XXXX XXXX XXXX : Experian XXXX : US DEPT ED XXXX XXXX Experian XXXX : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX : Experian XXXX : XXXX XXXX : Experian XXXX : XXXXXXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Please inform me of what is to happen now.
Product: Checking or savings account

On XX/XX/, I received a call from Wells Fargo that there was somebody attempting to transfer money from my checking account. I immediately told them to stop all transactions. I was working at the firehouse and I had to hang up and run a call. A few minutes later, when I returned, I looked the phone number of the Wells Fargo XXXX department. I called them immediately and was told that a transfer was going to XXXX XXXX XXXX  I told them that this was fraudulent and " STOP '' it. They told me that they would put a return of funds on it. After I hung up with Wells Fargo, XXXX XXXX XXXX called and asked if I was transferring money. I told them " NO '', it is fraud. I now called Wells Fargo back to tell them that I received a call from XXXX XXXX XXXX. They didn't seem to concerned and told me that they would handle it. The following day I went into my local Wells Fargo branch. They changed my account # and told me that {$24000.00} was wired from my account. They also told me that a claim was opened. Yesterday XXXXXXXX XXXX XXXX, I received a letter from Wells Fargo stating that my claim was denied because they can not find the money at XXXX XXXX XXXX Where do I go from here? " PLEASE HELP ''. Thank you.