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

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 XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency, in turn I have encountered ongoing issues with the information reported by your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Recently, I learned about the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlights systemic problems regarding the accuracy of credit reporting and the handling of consumer disputes. This reinforces my concerns that my disputes have not been handled properly. 
XXXX. Reinvestigations : Experian 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

XXXX. Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information provided which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers. 

XXXX. Unclear or misleading dispute outcomes. 

Specifically, I am disputing the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have previously submitted disputes regarding these items, and despite my efforts, the inaccurate information remains on my report. I request that you thoroughly investigate this matter and provide me with a written confirmation of your findings, as well as an updated copy of my credit report once the inaccuracies have been corrected.

Please find enclosed copies of relevant documents that support my claims. I expect your response within the 30-day timeframe set forth by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, CAPITAL ONE, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CAPITAL ONE, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$80.00} ; XXXX XXXX  Inquired on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I initiated an ACH transfer for {$10000.00} to Coinbase on  XX/XX/XXXX. It cleared my bank account on XX/XX/XXXX. Coinbase notified me that they received it on XXXX. 

On XXXX ( after trying/failing for several days due to Coinbase website issues ), I completed my identity verification. My driver 's license is issued by Minnesota, but I reside in Illinois. After my verification succeeded, Coinbase notified me that due to restrictions with residents of the state of Minnesota, my USD wallet was disabled. 

I immediately submitted a support ticket through their website letting them know that I resided in Illinois and not Minnesota. Once I received notification that they received my transfer on XXXX, I could not see the {$10000.00} on their website, and it has never shown up there ( since the USD wallet is n't visible at all ). 

At this point ( on XXXX ), I called their support phone number. They provided me another link to be able to submit my lease to verify my place of residence was Illinois. I uploaded my lease immediately and responded to the email as requested. XXXX I received a response ( the only email response I 've ever received from them that was n't initiated by a phone call from me ) that indicated they received my documentation and would submit it to a specialist. 

I have called ( and waited on hold a minimum of 1.5 hours each time ) at least six times to talk to support people. On the last call on XX/XX/XXXX, the support person indicated that I was still in the queue for a specialist, and if they even opened/viewed my ticket ( or if I responded to the email ) I would be dropped to the end of the queue! After explaining my issue again, they indicated that they thought my problems could be a technical issue. To avoid dropping me to the end of the 'specialist ' queue, they opened up another ticket in the separate 'technical ' queue. I have heard nothing further from either of these support tickets. 

Since I am now in both queues that I know of, I 'm not able to talk to anyone that addresses either of these queues ( I 've asked multiple times ), and I 'm not able to receive any other updates ( since the support people ca n't open my tickets and I ca n't respond to the emails for fear of dropping to the end of a long queue ), I 'm basically left without access to my money or seemingly any other recourse short of legal action. I decided to try this site before going that much more painful/expensive route.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing Financial injury, Defamation of Character, and had hurt my ability to obtain credit & employment. 

on XX/XX/2022 I reached out by letter to the credit bureaus about inaccurate information on my credit report and still have yet to receive a reply or any type of resolution.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : 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 card or prepaid card

2nd complaint - Same issue as shown below. 
NOTE : The resolution is NOT acceptable and opens me up to Identity Fraud. The company is not looking for any work around and I will not give them a copy of my social security card. They have everything to determine there is no fraudulent activity on my account. Bank account info, Driver 's license, secure questions, etc... 

Original complaint : " On XX/XX/2022, I was making a purchase at XXXX XXXX in the amount of {$1500.00} and received an email asking us to recognize and confirm the purchase. That was done, but still they didn't approve it and said needed to call for verification. I did that, answered a myriad of questions and then they asked me to send them a copy of my drivers license for further verification, which I did. That still wasn't good enough, so they told me they were freezing my account and the only way to remove the restriction was to physically mail a copy of my drivers license AND my Social Security card. I told them I would NOT send a copy of the card, as that is only setting me up for identity fraud ... it would be pretty easy for someone to steal my identity having a copy of my actual card. That account has a reward balance of {$370.00} and since I could no longer use the card, I wanted to redeem the rewards I had earned. Due to the account restricted, I could not do it online like I normally do. So, I called them and asked them to send me my rewards. They said they would not, since the account is restricted and they need me to mail a copy of my social security card to remove the restriction. Once again, I explained why I would not do that. They already have my SS information, bank information, drivers license, etc... I have made multiple calls and spoke to various managers and supervisors and no one will help me. They could not show me anywhere in my agreement with them that rewards would be held on restricted accounts or held XXXX unless I provide them my Social Security card. ''
Product: Credit card or prepaid card

Bank of america only allows last 30 days previous transactions to be disputed online. This is crazy to me as i need to dispute a charge and do not want to call their terrible call center. It seems like an attempt to reduce disputes, despite MasterCard and Reg-E allowing me unlimited timeframe to dispute a transaction unauthorized. 

Please change their practices, also you can not close an account online either.
Product: Payday loan, title loan, personal loan, or advance loan

My bank close my online banking. I gave them a call and they reported that the company I was attempting to get the loan through was Fraudulent. They suggested I report this to the credit bureaus. Coming to the bank and And open another account due to fraudulent activity on my current account And my online banking closed until Everything was transferred. The Fraudulent lender Was Lending Tree. There is an actual Lending company With the name, Lending Tree.
Product: Debt collection

Complaint XXXX and Debt Validation Request Today I called CoreLogic XXXX XXXX XXXX XXXX XXXX to verify their authority to pay for my property Taxes at XXXX XXXX XXXX XXXX and spoke with an employee XXXX purportedly from CoreLogic XXXX XXXX at XXXX ( or someone's call center ) XXXX XXXX told me that CoreLogic collects property tax information from local Assessors and send it to my Mortgage company who send CoreLogic money to pay for my property taxes. 

When I asked XXXX XXXX who refused to give me his last name ) to give me contact information to my Mortgage Company accounting department or an authorized officer who hired CoreLogic to pay for my property taxes, he refused to give it to me and told me to call customer care at XXXX. 
XXXX question XXXX. 

Please state full corporate name of Corelogic company which pays my property Taxes in XXXX XXXX XXXX XXXX. Is this Company a subsidiary of Corelogic , Inc. or affiliated with Corelogic , Inc. or received directions from CoreLogic, Inc.? 

XXXX  question XXXX. 

Why CoreLogic is paying my taxes when another company has been claimed to be the Servicer? 

XXXX question XXXX. 

Does this Core Logic company has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic ( it must be the owner of my alleged debt or its lawful representative. Please state the name of this authorized agent at the company who claims to be " Servicer '' and his/her contact information. 

Does Corelogic XXXX XXXX ' parent organization has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic XXXX question XXXX. 

Whether the payment by CoreLogic is entered on the accounting ledger of the named creditor as a credit to the loan account receivable and a debit to cash. 

In double entry bookkeeping a credit to the loan account receivable would increase the amount payable from the debtor. 

Please identity of the person or company that entered a debit to Cash into my loan account receivable. 

Please provide me a statement or acknowledgment from the officer in charge of accounting for debits and credits to my loan account receivable. 

I am trying to figure out where my account is kept, by whom and on whose behalf. 

I am also trying to figure out how XXXX is able to do any servicing for XXXX XXXX " loans '' if XXXX XXXX uses only XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to service its " loans '' and XXXX XXXX  terminated XXXX access to XXXX around XX/XX/2019. 


Best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was rejected for a loan from XXXX XXXX XXXX ON XX/XX/23 STATED/ EQUIFAX SCORE WAS XXXX Now I HAVE JOINED PAY THOUGH XXXX CREDIT AGENCY- to monitor ALL 3 AGENCIES. 

Right now MY EQUIFAX SCORE PER XXXX SCORE FOR EQUIFAX SHOES XXXX On XX/XX/23 upon applying Thur aforementioned XXXX  ON XX/XX/23 my exquifax score WAS XXXX yet on rejection letter states I WAS REJECTED BECAUSE EQUIFAX REPORTED A XXXX score, I called EQUIFAX FINALLY TALKED TO A AGENT - he said HE HAS NO ANDWERS AND COULDNT EVEN TELL ME MY CURRENT SCORE ON EQUIFAX . Im confused- it was as if I AM BEING PUNISHED FOR NOT PAYING EQUIFAX FOR THE SERVICES I PAY XXXX TO AVCESS ALL REPORTS.
Product: Mortgage

We took a second mortgage out in XXXX. The agreement was for 240 payments of {$310.00}. The disclosure statement said that would cover the {$30000.00} principal and {$46.00}, XXXX worth of interest for a total of {$76000.00}. Interest rate was 11.521 % which I hear is outrageous but we were dumb at the time I guess. I'll admit it was a bad decision. We have paid every payment to date though. 

We are nearing the last payment which is XX/XX/XXXX and I asked for a payoff. I was told we would owe over {$9000.00} if it was paid off by our XXXX payment date. No one can explain to me why we would still owe this much when we have made all the payments. In XXXX we were forced to declare bankruptcy when my husband was XXXX and we had huge medical bills. The loan was not reaffirmed but per our lawyers suggestion we continued to make payments on it. At that time we were behind a few payments but we made an agreement to make up those payments and we did it. Since then we were rarely even late, and in the last 8 years have never been late. When we were late we always paid the late fee and we have always paid any other ridiculous fees they tacked on for things like them selling the mortgage to another company or sending us documents.. 

I requested loan histories from Ocwen, this company and another previous holder of the mortgage, Litton, and I can prove that we made the payments. A lawyer is looking over those now, but has generally agreed with me that when we make these final 6 payments we will have completed the loan terms. 

The mortgage has been sold a few times. The current holder is a company called PHH or XXXX, whichever they choose to use as a name on a document. It's a subsidiary of Ocwen, which was the previous servicer. In the last 2 years they continually claimed we were late on payments, even though we always made our payments 10-14 days early online. We had to call each month to get the late charges removed. When the payments were declared late that changed how the payment was allocated between interest and principal, making us pay more interest. I finally made someone understand that after I made an online complaint and they claim they fixed this going back to when they got the mortgage. But no one can still explain why that would leave such a huge amount at the end of the loan. 

I offered to give them the last 6 payments we owe for a release of the lien but they insist our last payment needs to be some {$7.00}, XXXX more than what the sum of those payments would be. We are senior citizens and I can not just give them extra money we don't owe to get the lien cleared. We will continue to make payments while this is being resolved. But I would like them to release the lien as soon as all the scheduled regular payments have been made without that huge unexplained amount on the end. I have consulted with a lawyer as I said and he suggested I file this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. 

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX  VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$710.00} XXXX XXXX XXXX  VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXXXXXX XXXX XXXX  VALIDATION OR DELETE {$5.00}, XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00XXXX XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

I have disputed my late payments ON XXXX, TRANSUNION, and XXXX regarding the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the date ( XX/XX/year> ). I requested the purchase agreement, bank transactions and proof that I was late with these creditors. The creditor never sent proof that I was late but sent somehow came back verified. The creditor has illegally reported my accounts as late. Please remove this error and any negative information on these accounts immediately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written consent instructions under. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the information in section 1637b has been sent. It establishes reasonable procedures to ensure that periodic statements are delivered to the consumer at least 21 days before the payment due date. I would like to request proof that this information was mailed or delivered 21 days before the due date.
Product: Checking or savings account

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$150.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$250.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$220.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$240.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$500.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$400.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00}
Product: Debt collection

XXXX XXXX XXXX have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called RISE, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.
Product: Vehicle loan or lease

I consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash as a down payment. The finance charge is also suppose to include insurance for the vehicle, Navy federal forced me to purchase insurance on my own separately, again another violation of usc 15 code 1605. Navy Federal also failed to disclose a Right Of Rescission form with my loan paperwork or promissory note, this is also a direct violation of 15 usc code 1635. Navy Federal Credit Union are now liable civilly, pursuant to usc 15 code ( 1611, 1640 ) and criminally, pursuant to 15 usc code 1693.