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

Subject : Complaint Regarding Experians Handling of Dispute and Violations of the Fair Credit Reporting Act ( FCRA ) Company Name : Experian and XXXX Financial Issue Description : I am filing this complaint to address Experians inadequate handling of a dispute I submitted on XX/XX/year> concerning an inaccurate account reported by XXXX XXXX XXXX ( Account starting with XXXX ). 

Within less than XXXX hours of submitting my dispute, I received a response from Experian stating, The incorrect account with XXXX XXXX XXXX has not been changed and will remain on your credit report. This response was issued without providing evidence of a thorough investigation or the method of verification, as required under the Fair Credit Reporting Act ( FCRA ). 

This account should be investigated for the following reasons : XXXX. Account Inaccuracy : The account is inaccurately reported as a charge-off on my credit report.

I have not received a 1099-C form for canceled debt, raising concerns about the legitimacy of the charge-off reporting. 
Without proper cancellation or forgiveness of the debt, this charge-off inaccurately impacts my credit report.

2. Failure to Conduct a Fair Investigation : Experians decision to resolve the dispute in less than 24 hours suggests that the investigation did not meet FCRA standards.

Experian failed to provide the method of verification or confirm that XXXX XXXX XXXX was contacted to validate the accuracy of the reported information. 
XXXX. Misleading and Deceptive Practices by XXXX XXXX : XXXX XXXX frequently used phone numbers with my area code, creating the false impression that calls were from a local contact. 
Representatives from XXXX XXXX falsely claimed I could stop the repossession of my vehicle and retrieve it by making a payment, even after the vehicle had been sold at auction. These actions caused confusion, distress, and financial harm. 

Impact : The inaccurate reporting of this account and Experians failure to conduct a proper dispute investigation have negatively affected my credit scorXXXX and financial standing. Additionally, the misleading practices of XXXX XXXX caused unnecessary stress and financial hardship. 

Desired Resolution : Immediate deletion of the XXXX XXXX account from my credit report. 
A full investigation into Experians dispute resolution process and XXXX XXXX reporting practices. 
Written acknowledgment of errors and assurances that such issues will not occur in the future. 
Appropriate remedies for damages caused by the inaccurate reporting and unfair practices. 

I respectfully request that the CFPB address this complaint promptly and ensure that my rights under the FCRA are upheld.
Product: Credit card

I have multiple charges from a company that I made payments to that were unathorized. Some days, I was being charged XXXX times a day and I did not know until about a month later. When I reached out to Navy Federal to report the unathorized charges, they closed my disputes stating that since I had made a few payments to this company, they were not going to assist me in the matter. It is now XXXX months after I reported the issue and Navy Federal not only closed out my disputes for all the transactions they also reversed the credit on the XXXX transactions they gave me back. This resulted in over {$1000.00} dollars of charges that I did not authorize. I provided Navy Federal with proof of my transactions to the company, my full payment history including showing the payments I made using completely different cards. I also showed Navy Federal proof that I was unable to get in contact with anyone from the company for assistance I have not been able to get any remedy from Navy Federal or the company in question. If a consumer reports fraudulent/unauthorized charges, the company should not be able to just close out the case and tell the consumer " oh well, we won't help ''. 

These charges are as follows all from the same company XXXX XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} It is simply wrong for me to be responsible for these charges when I have proven they were not my charges authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the below company made a hard inquiry on my Transunion credit report and I never applied for credit with them. I would like this removed from my report. Thank you- XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Mortgage

I claimed bankruptcy almost 7 years ago. XXXX XXXX XXXX and XXXX will not accep. The discharge and have been affecting my credit score for years. Now Ditech has taken over the mortgage. Bankruptcy discharge. XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company called Brown and Joseph from XXXX Illinois is claiming to represent XXXX XXXX. They have called me a least a dozen times and I have gotten a letter also claiming I owe {$1000.00}, I do not owe any money to XXXX and have confirmed this with XXXX, Sent receipt of cancelled XXXX comp that states this twice through emails to XXXX XXXX, XXXX. Been getting theses calls for the past 6weeks and the most recent was today, XX/XX/2023. This is no billing error, I am on auto pay with my other business policies through XXXX. It is a clear attempt of fraud. Reviews for Brown and Joseph have many people with the same experience, with many being duped into paying a fraudulent collection agency. Why are these people still in business? This is a criminal matter that is taking place on U.S. soil. Hoping justice is served.
Product: Vehicle loan or lease

US Auto Sales sold my loan to a debt collector, my account was current and in good standing. I also paid for gap through this company and never received and money back when the company dissolved. Westlake financial the added refinance fees and false loan remaining balance information. I have no sign agreement or contract with Westlake and was not even made aware the company was closed and my loan was sold until 3 months after the dissolution of USAuto so they took payments knowing they were no longer in business and did not apply said payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, Experian and XXXX. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.
Product: Checking or savings account

I had a bank account at wellsfargo and they charged me fees left and right and sent my account to collections. I wasnt given notice and my account was closed.
Product: Credit reporting or other personal consumer reports

My name is, and I am writing to bring to your attention fraudulent information on my credit reports. 

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

1st you need to Update my personal Information and Remove Fraudulent Addresses : XXXX XXXX XXXX  {$56000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$53000.00} XXXX opened XX/XX/XXXX {$60000.00} XXXX XXXX opened XX/XX/XXXX {$68000.00} XXXX XXXX XXXX opened XX/XX/XXXX {$36000.00} XXXX Opened XX/XX/XXXX {$50000.00} XXXX XXXX opened XX/XX/XXXX {$95000.00} XXXX XXXX opened XX/XX/XXXX {$960.00} XXXX  opened XX/XX/XXXX {$68000.00} Achieve PERSONAL LOANS opened XX/XX/XXXX {$35000.00} FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility 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.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned.
Product: Student loan

On XX/XX/XXXX, I spoke to XXXX ( Customer Service Rep - AES ) in regards to my student loans that were sold to AES in XXXX. According to AES, the promissory note provided from XXXX Bank ( original loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from AES and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as AES sold my student loans to XXXX in XXXX.
Product: Checking or savings account

I'm a US citizen living in the XXXX for the last 5 years - I've been banking with Chase since long before my move & maintained a Chase savings & checking account until a few days ago. This complaint is twofold : XXXX - Chase is refusing to cover me on fraudulent/unauthorized transactions against my checking account, citing a T & C protecting me for only the first 60 days from the first fraudulent activity, & 2 - Chase subsequently closing my account ( due to the fraudulent activity ) & removing all information from my client login page ( significant balance, account documents, historical transaction information, etc ... ) without any formal notification or way of accessing this information. 

Complaint 1 - I've maintained my Chase account for the 1-2 small ongoing USD transactions I have per month but don't use it too often & don't tend to check the balance each month on account of the infrequent usage. On Friday, XX/XX/XXXX I logged in to check out whether a transfer had arrived & I noticed a significant number of fraudulent transactions from various XXXX accounts ( not mine ). I investigated & noticed the first of these transactions ( 2 deposits & 2 withdrawals less than {$2.00} - can't give you exact amounts because of Complaint 2 ) on XX/XX/XXXX. There were subsequent withdrawals of {$990.00} on XX/XX/XXXX, withdrawals of {$330.00}, {$110.00}, & {$22.00} on XX/XX/XXXX, withdrawals of {$330.00} & {$59.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, and another {$350.00} & XXXX on XX/XX/XXXX. I contacted Chase to let them know & they asked me to indicate all fraudulent transactions, which I did. They then told me they would only protect & refund me the fraud for the first 60 days from the first transaction ( starting XX/XX/XXXX ). When I tried to question how this was possible I was told to consult the T & Cs of my initial account opening pack ( from many years ago ) then subsequently accused of being negligent when asked how they couldn't have noticed the activity given it was so different from my normal spending habits. I was told there was no way to 'quarantine ' my account from other withdrawals & after being passed around to about 15 different people on the phone ( & explaining my situation about 12 times ) I was finally informed that my account would be locked down & I would then need to come into a branch to collect my balance. 

Complaint 2 - In subsequent days ( estimated date XXXX XXXX ) I have received no official notice from Chase & when I log in my account & all historical statements are gone, leaving me with no information. I have no idea where my balance is, what happens to it, & no access to any historical transaction information, which I find wholly unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- Credit Plus - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.
Product: Credit reporting or other personal consumer reports

I voluntarily surrendered a car back to navy federal cr union in XXXX navy federal recouped their losses through collateral.
Product: Debt collection

I have asked Nationwide Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, there is a debt collector on my Transunion report called XXXX XXXX XXXX XXXX XXXX XXXX of the amount of {$110.00}. I sent a debt validation and the company failed to validate the following : 4. what was the original date of delinquency for this account? 5. agreement that grants you authority to collect on this alleged debt or proof of acquisition by assignment. 6. what did you pay for this account and how did you calculate the current amount owed? 7. Failed to send proof of registration to collect on the debt. 8. send me proof of certified receipt of my signature that I was notified five days prior to reporting to the credit bureaus. Did you send the credit bureaus that this account is being disputed? see following attached below. Delete Inaccuracy per FCRA.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a took a loan with one main financial in XXXX, OH, for XXXX at the end of my loan my whole amount will supposed to be XXXX or something around. they did never mentioned that they calculated monthly and annual interest on the whole amount of the loan which is XXXX, when I just took a loan for XXXX. I've being doing my regular and additional payments into the account but they never mentioned that. I spoke with a representative with name XXXX, she said they calculated monthly and annual interest on the final amount which is XXXX. I considered this outrageous and not fair because they never mentioned something about. I spoke with that representative and she told me she spoke with the district manager and that how they do it.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$18.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX  - XXXX - XX/XX/XXXX - {$8000.00} XXXX - XXXX XXXX XX/XX/XXXX - {$2500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. As a result, the following unauthorized inquiries and accounts have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the listed accounts and inquiries from my credit report immediately. 
Unauthorized Accounts and 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 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, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX  CREDIT COLLECTION SERVIC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDIT COLLECTION SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Prepaid card

I received an American Express pre-paid gift card for XXXX for {$50.00}. Everytime I try and use the card, it says payment declined by card issuer. I checked to make sure XXXX took Amex, and they do, so I called customer service. Customer service advised me the payment is sometimes declined to protect the customer and there's no way to tell who is going to take the card. I said, they take the card because I checked, and they said to just try another store. They weren't any help so I did some research and this apparently is a thing with them. Why make a card the customer can't even use? The card didn't even have the full XXXX, it said the balance was XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing the company ( s ) Experian and XXXX to update my personal information. 15 USC 1681 ( a ) ( 4 ) 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. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX XXXX, XXXX, FL,XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following company below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiry on my report needs to be removed. 

* XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

All 3 credit agencies isnt letting me dispute my student loan incorrect balance and I tried to dispute late reporting from 5 years ago and the companies refused its been a headache from the start
Product: Mortgage

In XXXX 2015 Seterus Inc. sold me an insurance policy that I did not need nor want nor did I request it my property is and as always been covered by a policy I buy the account does not nor never had a escrow account. Seterus established one and is now billing me for it even though I have submitted proof of insurance multiply times. I have been calling for months to just get a continued billing the following month. different people have said it was taken care of and when I request that person there is no one by that name working for them, Requested a hard copy of information and have never receive it