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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Experian consistently responds within 24 hours stating that accounts is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1881i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protections Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against then them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My SSN has been used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX XXXX : # XXXX : Opened : XX/XX/XXXX : {$2000.00} XXXXXXXX XXXX XXXX  : Opened : XX/XX/XXXX : {$160.00} XXXX. XXXX XXXX : Opened : XX/XX/XXXX : {$970.00} XXXX. XXXX XXXX XXXX  : Opened : XX/XX/XXXX : {$250.00}
Product: Credit card

On XX/XX/year> I used my United Explorer Chase Visa Credit Card to purchase two tickets round trip XXXX to XXXX departing XX/XX/year> and returning XX/XX/year>. Flight number XXXX going to XXXX and XXXX coming back. The ticket numbers are XXXX and XXXX. The ticket does not include a free checked bag, which I thought is not a problem because my Credit Card benefit states that I get one free checked bag for me and my companion AND priority boarding if I purchase a XXXX XXXX flight using my United Explorer Credit card. Today XX/XX/year> I found out that the flight is not operated by XXXX but that XXXX is operating the flight and XXXX is simply selling tickets as if it is a XXXX flight. Being worried that I would have problems with free luggage and priority boarding I contacted XXXX to ensure the free checked luggage and the priority boarding would be available on the XXXX flight. The agents told me that their promise of free luggage and priority boarding would not be honored on the XXXX flight because it is not XXXX operated and because I purchased the ticket from the travel agency " XXXX '' and not directly on the airline web site. I disagree with their characterization of facts. Number one nowhere in the Credit Card Terms does it state that the ticket has to be purchased from the airline website directly. The travel agency " XXXX '' is not listed as excluded. Second how should I know that the flight is XXXX operated, when the flight is sold as a XXXX XXXX flight with a XXXX XXXX confirmation number and XXXX XXXX XXXX symbols next to my reservation confirmation. I believe this is a " Bait and switch. '' I am paying {$100.00} for this credit card per year and expect to use the advertised benefits when folloing the credit card companies instructions on how to receive the benefits. The Credit card is broadly advertised by displaying only two conditions for free checked bags and priority boarding. It is advertised that one has to purchase a XXXX flight using the United Explorer credit card. I did this and I expect the promised benefit.
Product: Credit card

I have a XXXX account ( XXXX XXXX XXXX ) and they attached a product called XXXX XXXX to my account without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my transunion credit report immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX just as XXXX have done
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency
for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit card or prepaid card

I have a Sallie Mae credit card. I am in a debt collection program. The credit card company is calling my parents ( who are not on my credit card ) trying to locate me. This is inappropriate to reach out to family members who are not on my credit application. When I confronted the Sallie Mae representative, they replied " We wanted to make you respond ''
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX in XXXX XXXX, FL XXXX. My social # XXXX. XXXX/Honda financial is showing a lease on my personal credit report, one that is NOT in my name as borrower or co-borrower. I am however listed as a GUARANTOR on ( 2 ) XXXX leases. A XXXX XXXX and a XXXX XXXX. However, I am not a borrower or co-borrower. The ( 2 ) leases mentioned above are ONLY in the name of a business, which is " XXXX XXXX XXXX XXXX, XXXX " XXXX XXXX, myself and the dealer, XXXX XXXX, all have copies of the contracts that proves both of the above. Neither of these leases should be showing up at all on my personal credit reports unless the business were to default on the leases With XXXX/Honda Financial. I need swift help taking care of this with XXXX, as this mistake is causing severe damage to my credit report and debt to income ratio. 
Thank you XXXX XXXX XXXX
Product: Credit reporting

This credit buerau is reporting information from creditors that resulted from someone using my information to obtain money
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CONTINUES TO VIOLATE THE XXXX XXXX XXXX XXXX AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE XXXX XXXX IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX XXXX  was listed on my credit report showing collection for late payments dating back to XXXX and a balance of & XXXX. On XX/XX/XXXX I sent them a debt validation request. On XX/XX/XXXX I received a response showing the original creditor as SpeedyCash for a debt created on XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX working and living in XXXX, XXXX, and XXXX XXXX, XXXX. Upon returning to the XXXX in XXXX, I recalled sending Speedy Cash a copy of my passport showing that I NEVER applied for any loan. 
The validation information sent from XXXX XXXX XXXX does not contain my signature, correct address, or banking account, nor an agreement showing how they became a creditor. I have filed disputes with credit bureaus and they all returned as a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been a Bank of America XXXX since XXXX and during that time, I have enjoyed my experience with Bank of America greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the BOA credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Bank of America is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Bank of America. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Bank of America has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Bank of America is heads above the rest. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate and unauthorized collection being reported on my credit report by TransUnion. I have previously requested that the debt collector reporting this account cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease-and-desist request. Despite this, the debt collector is still reporting the account to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.
Product: Debt collection

I have not used XXXX XXXX XXXX in four years. All of my payments for this company are up to date. I have statements for all my payments and never received any calls or mail about missed payments. 

Then suddenly I am hit with a letter demanding {$150.00} from me saying I owe, I sent a detailed letter with attached statements asking them to prove the debt or remove it. I have not heard back but it is still on my credit report!
Product: Money transfer, virtual currency, or money service

I set up an account with Wise.com more than six months ago, and deposited {$6000.00}. But now I'm trying to transfer the money back to my account, and they are refusing to allow me to send the money back to the same bank I deposited it from. 

They have requested photos of my drivers license and a selfie, which I have provided, but they still refuse to release the money and process the transaction. I have been on chats with two customer service representatives and exchanged many emails with them, but they have me in a XXXX -- they say I have to initiate the transaction in order to for them to process my photos, but I can't initiate the transaction unless I finish with the photo process. 

This is simply making it impossible to withdraw my own money.
Product: Mortgage

In XX/XX/2022 we purchased a home using XXXX XXXX  company. During XXXX and XXXX we paid them {$180000.00}. They sold our loan to Amerihome Mortgage. During this process our extra payments got lost. XXXX XXXX says the money was transferred. Amerihome says they can't find it. Every time I call Amerihome I speak to a different person and get different answers to the same question. Finally they gave me an email address to file a complaint with. Two weeks later when I checked on my email I was told they no longer use that email address, and to file my complaint using a different method. 

Amerihome has copies of my bank statements and a copy of the payment history from XXXX. The problem is every time I contact them they tell me a different date of when I can get them to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt reporting from XXXX XXXX XXXX and XXXX on my credit report. I have complained to the reporting bureaus and they keep stating the debt was verified but I have yet to receive correspondence validating this debt is mine. I called XXXX XXXX today and the automated system could not locate the account using my social security number. Once I spoke to a live representative, I asked them to verify where they have been sending correspondence and they stated they last mailed in XX/XX/XXXX to XXXX XXXX XXXX XXXX in XXXX Ga. I told them I do not live in XXXX. Rather than investigate the origin of the account, the representative attempted to get me to provide my correct address for an update-I did not do so. I have not lived in XXXX since XXXX-the address they listed is a public college dormitory that belonged to XXXX XXXX University and was sold to XXXX  XXXX University at the end of the XXXX school year ( a year after I last lived there ). The credit report states that the account was originally opened in XXXXhow can an account attached to an address I have not lived at since XXXX have been opened credibly in XXXX? This debt does not belong to me and is fraudulent. My tax returns, wage statements and other documentation will prove I have not resided in XXXX when this account was opened. The bureaus keep updating this information when I dispute it as accurate, but have yet to provide me with proof of how they verified the debt. The disputes have finished in less than a week with a verified status.
Product: Mortgage

On XX/XX/2018, Nationstar Mortgage LLC dba Mr Cooper sought out and convinced my parents to refinance their mortgage. Their names are Mr and Mrs. XXXX XXXX XXXX, XXXX. They both passed away on XX/XX/2018. This is when this came to light. My parents were both old, XXXX and XXXX, and both had major illnesses that would have prevented them from entering into a contract of any kind on their own. My father suffered from many health issues including early XXXX. This was a case of predatory lending at its worse. They had a 30 year mortgage that they were 10 years into. Mr cooper redid this into a 15 yr mortgage to save 2 % but added nearly 7k to the note. This didn't even make sense. My parents did not enter into any contract unless my sister, caretaker, or myself was present. They preyed on them just so they could make commission. This is criminal. I've asked for this to be searched out before and the NC Attorney General is also researching it as fraud due to predatory lending. Their acct number is XXXX. I am including the clerk of court filing and a notary letter giving any and all permission for me to handle this for the estate.This has cost the children of the deceased their childhood home.
Product: Mortgage

On XX/XX/2019 my mortgage was transferred from XXXX to LoanCare. Immediately LoanCare issued a statement that I owed a back amount of $XXXX plus the current due amount of  $XXXX for a total of $XXXX due as first payment.
 The back amount is in error as all payments where current with XXXX. I have statements showing this.
 I switched my auto payments over so the first payment due to LoanCare would be sent to them on XX/XX/XXXX and on the same date for following months.
 For the following 3 months LoanCare did not credit my account with payments even though they had received them. I have bank statements showing the electronic payments made along with detailed payment transfer information supplied by my bank.
 During this time I tried multiple time to contact their customer support to resolve this with the following the results.
 Phone calls during their established hours result in being hung up on by the auto attendant after entering the loan information.
 Attempts to create an online account to monitor my loan have been denied with a message to contact their customer support which multiple attempts at all number provided end in being hung up on after entering the account information required to get through the auto attendant.
 On XX/XX/2019 I followed their instructions and mailed certified a package of support and letter requesting resolution to their Resolution Center which was signed for on XX/XX/2019. I still have not received a response as of XX/XX/2019 and their has been no correction to the account.
 At this point LoanCare has refused to provide any viable means to work with them on resolution.
Product: Checking or savings account

OnXX/XX/2018, I responded to an online offer ( Q2 XX/XX/2018XX/XX/XXXX Small Business Checking Offer ) from SunTrust Bank to open a Simple Business Checking Account. The terms of the offer were that if I made one or more deposits totaling {$1500.00} into the account within 30 days of opening the account, I would receive a reward of {$200.00} within 8 weeks of meeting the requirements. I deposited {$1000.00} on opening the account and an additional {$640.00} on XX/XX/XXXX. Therefore, my account should have been credited with the reward byXX/XX/XXXX. I have not received any reward. I made several inquiries at a branch and on the phone. On XX/XX/XXXX, for example, I was told on the phone that I met all the requirements of the offer and should receive the bonus in XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX   on the phone. She also told me that I met all the requirements. However, she then discovered that there was a note that someone from SunTrust tried to call me on XX/XX/XXXX to discuss a missing promo code on my online application. She said that the note said that they left a voice mail, but I could not find any voice mails from SunTrust. I explained that I definitely remember seeing the promo code on the application. She took some information from me and told me she would try to resolve the problem. Today, I called SunTrust again and spoke to Mr. XXXX, who repeated that someone called me on XX/XX/XXXX but said the person didnt leave a message ( contradicting XXXX ). He told me I was unqualified for the reward because of the missing promo code, and that SunTrust would not pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am over Equifax and their lack of investigating anything. I have tried to get several things fixed and one of the main issues is my last name. I have sent them documentation showing my correct last name but no one is looking at anything!! They mandate I send proof with every correspondence yet they must not be reviewing what they are mandating. My last name is XXXX, not XXXX. The city I live in is XXXX. Just what does that say about anything they report? I have sent several and I do mean several request that they fix my name and they continue to send back wrong information. How can they get away with it? I am sending the same exact documentation I send to them each time showing MY NAME! If they have my last name wrong and continue to report it wrong, I'm wondering just how the heck are they able to validate anything?
Product: Credit reporting or other personal consumer reports

I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach.

please see the attached documents..
Product: Credit reporting, credit repair services, or other personal consumer reports

My Citi Credit card provides a XXXX score when I log into my account. This score is supposed to be from the credit bureaus however the number appearing on my Citi account is completely different over XXXX points less then my actual scores with the three bureaus. I have reached out to all three bureaus to make sure my accounts have not been compromised. I also reached out to Citi that the number they are reporting seems to be inaccurate and might be linked to someone else ( I.e. a bad API link on their system ) because the bureaus all have my data correct and up to date. The score also matches my credit monitoring service to Privacy Assist. Citi is not will to look into this issue and continues to send me emails about my score going down, issues, etc. This is clearly a problem with their system. If they are not going to report the right information they should remove this data from their service offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within XXXX  days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : CXXXX XXXX XXXX  Balance Owed : XXXX XXXX FINCL XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two XXXX XXXX bank cards open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. XXXX  wont remove anything from account even when I showed them that both XXXX and XXXX took it off. Then Chex systems have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta