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

RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Issue : Unverifiable account Despite submitting evidence to support my dispute, Experian failed to conduct XXXX proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax commercial Information Solution has incorrect information for my company ( XXXX. ). I spoke and informed a representative from Equifax on XXXX XXXX and told him of the errors on my business report and he asked me to submit a dispute. 
I submitted the disputes ( 4 ) on XXXX XXXX, however, I have not heard anything back from Equifax. I called and email them several times with no response. This erroneous information has caused me to lose a loan that I was approved for. Please assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, Account # XXXX DEPT OF ED / 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

This collection agency never contacted me about this debt. The only way I found out about the debt is when I happened to check my credit report. I tried repeatedly calling this company after finding their information on my credit report, they never answered their phone. They 're recording told me to call back during business hours and I was calling during their business hours. I sent them regular US mail to their PO Box and received no answer or reply. Finally on XXXX/XXXX/2015 I sent them a registered letter asking for information on the debt. As of today 's date XXXX/XXXX/2015 I have received no reply from them.
Product: Credit card or prepaid card

Want to do a CFPB complaint on WellsFargo Card Service dating back to XXXX XX/XX/XXXX for using misleading and misunderstanding rules for credit card interest rates. Also, I tried to workout payment plan back around XX/XX/XXXX because my annual salary was cut in half and every time I call WellsFargo Card Service for assistance for a forbearance or credit card insurance protection plan I keep getting the run around for forbearance or credit card insurance protection plan, because WellsFargo Credit Card Service didnt properly assist me the right way for getting forbearance or credit card insurance protection plan dating back to XX/XX/XXXX WellsFargo Credit Card Service forced me to file XXXX  XXXX Bankruptcy on XXXX XX/XX/XXXX and I should be refunded the amount of this credit card of about {$4000.00} to {$6000.00} dollars of unexplained interest rate dating all the way back to XXXX XX/XX/XXXX!
Product: Credit card or prepaid card

I filed a complaint previously with CFPB under this reference number : XXXX. You did not allow me to rebut the response from Barclay 's. So I'm attaching more information to prove my side of the story. Barclay 's responded that the Merchant says I ordered a Bed Pillow. I did not order a Bed Pillow. I ordered a Nail Finisher. But received a package of disposable masks ( in reference number XXXX, I provided a photograph of the masks ). I'm attaching a copy of the email Order Details/Receipt sent to me from the Merchant dated XX/XX/2020 which PROVES that I purchased a Nail Finisher from this Merchant. Not a Bed Pillow. And not disposable masks. I am asking once again that you ask the Merchant to provide you with the Receipt for my order number XXXX, and you will see the same as my attached receipt. I want my {$76.00} to be refunded to me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Against Experian for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally request the removal of inaccurate and improperly reported collection accounts from my credit report maintained by Experian. Despite my prior disputes, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by not providing proper validation of the debts listed below within the legally required timeframe. 

Accounts in Question : a. XXXX  XXXX - {$2300.00} | Account # : XXXX b. XXXX - {$2200.00} | Account # : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX - {$19000.00} Violation Details : Under 15 U.S.C. 1692e, debt collectors and credit reporting agencies must not engage in deceptive or misleading practices, including failure to provide timely validation of a debt upon request. Experian has taken longer than the legally allotted 30 days to validate the debts and has not provided sufficient documentation to verify the accuracy of these accounts. As a result, these collections should be immediately removed from my credit file. 

Requested Resolution : I formally request the deletion of the above accounts from my credit report due to Experians failure to comply with federal consumer protection laws. If Experian does not comply, I will escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ) and consider further legal action.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of these accounts from my credit report. Please respond in writing within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX Account number:XXXX Balance : {$0.00} XXXX  XXXX XXXX  Account number : XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$55.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$1000.00}
Product: Credit card

At the beginning of XX/XX/year> I made an extra Credit Card payment to USAA Bank. The extra payment was returned due to insufficient funds on XX/XX/year>. I had a medical emergency and didn't make my weekly deposit at my Credit Union on time. On XX/XX/year> I made a double payment of {$650.00} to my USAA Bank credit card. On XX/XX/year> I was informed by a representative that my payment will be withheld from posting to my credit card until USAA verifies the funds have been received, and the release date is XX/XX/year>. I called USAA again on XX/XX/year> to speak to a Manager. the Manager told me that the funds would be posted to my Credit Card on XX/XX/year> and there's nothing that can be done about it ( rudely ). Today is XX/XX/year> and my {$650.00} payment has not been applied to my USAA Bank Credit Card because my card was declined today. USAA is trying to punish me by fraudently acquiring interest on a larger balance and withholding my credit card payment and usage for over XXXX because I had XXXX RETURNED EXTRA PAYMENT! I didn't even have to make a payment, my payments are ahead. I want a full refund of my {$650.00} EXTRA payment. I will pay USAA Bank the amount required on the required payment due date going forward for all future payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX- Contains several errors and other sensitive information. This letter received today states- LexisNexis responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, LexisNexis could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

Lexis Nexis as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND LEXISNEXIS DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. LexisNexis has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.
Product: Checking or savings account

I had over {$5000.00} taken out of my checking account unauthorized
Product: Credit card or prepaid card

XXXX  XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX PayPal Email ID XXXX, You sent a payment XXXX XXXX USD to XXXX We've asked the seller to ship. 

Thanks for using PayPal. To view the transaction details, log in to your PayPal account. 

If this was not you, Please call us immediately at XXXX report this incident and block this transaction It may take a few moments forthis transaction to appear in the Recent Activity list in your Account Overview. 
Seller XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Note to seller You haven't included a note. 

Shipping details The seller hasn't provided any shipping details yet. 
Description Unit price Qty Amout XXXX XXXX XXXX - 64 GB - Black ( Unlocked ) Item number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shipping and handling Insurance - not offered Total XXXX XXXX -- - XXXX USD *************************** There were two of these for the same $ $ $ amount. 
The 2nd was from .... 
XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - this was for the same XXXX  XXXX and for the same fake customer, XXXX XXXX of XXXX XXXX Neither of these are real XXXX They are both fraudulent. None of the thtee transactions actually appeared on my Paypal account as of yet. I just received my XXXX statment saying " there are no transactions '' in the recent history.
Product: Money transfer, virtual currency, or money service

I am filing up a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act. They failed to take timely in effective measures to prevent address fraud on their app platform, leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by MoneyLion in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.
Product: Credit card or prepaid card

I received a {$50.00} XXXX gift card that was valid through XX/XX/XXXX and a {$200.00} XXXX gift card that was valid through XX/XX/XXXX as XXXX gifts in the past. They were never removed from the cardboard sleeves. In XX/XX/XXXX, I removed them and decided to check on the balance, and the automated system stated that both cards had a {$0.00} balance even though the cards were never used. I spoke with several representatives at the Customer Service phone number. ( It stated on the cardboard package, " If your card is about to expire, please call Customer Service for a new card. No fee applies. '' ) I emailed copies of both cards and sleeves to XXXX with subject line : " Missing Funds '' per my phone conversation with supervisor XXXX in the XXXX on XX/XX/XXXX. I received a XX/XX/XXXX email denying my request. 

Please help!!!
Product: Debt collection

I am disputing the ongoing reporting of fraudulent accounts on my credit report by your bureau. Despite assurances from associated banks and compliance with other bureaus to remove these fraudulent accounts, they persist on my credit report. I to someone within the company to confirm the documents have been received and they informed me that they never received documents from the CFPB. It is unacceptable that I am being penalized for fraudulent activity I did not initiate or authorize. 
Fraudulent Accounts to be Removed : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM XX/XX/2014, WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems getting the XXXX  30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX  XXXX  was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.
Product: Debt collection

It will not let me file another complaint using " debt not owed by me '' but I have evidence of IC Systems removing their accounts from my XXXX  credit report but failing to do so on my XXXX report. I indicated that I had no knowledge of the debt, because I don't, and they removed the collections account from my credit report. Below are dates from XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, all three accounts are shown. On XX/XX/2018, only one is shown. On XX/XX/2018, none are shown. 

It is illegal for a debt collector to report inaccurate information to one credit bureau and delete collections from another bureau. All information, whether accurate or inaccurate, must be reported the same across all three bureaus. This company will face legal action from myself if not removed 30 days from receipt of this complaint. This debt is not mine, hence why I disputed it, and want it removed immediately.
Product: Mortgage

I refinanced my house through XXXX XXXX and they have sent two wire transfers to Specialized Loan Servicing to pay off Account # XXXX first wire transfer Amount : {$130000.00} USD XXXX Reference : XXXX second -Wire trasnfer Amount $ XXXXUSD _ XXXX Reference : XXXX for Specialized Loan Servicing Account # XXXX Specialized Loan Servicing is holding to this moneys and haven't credited my mortgage account and are showing my account with two months non payment. 

Next Payment Due : XX/XX/XXXX Amount : {$1300.00} PRINCIPAL & INT PAYMENT : {$1100.00} CURRENT ESCROW PAYMENT : {$210.00} TOTAL MONTHLY PAYMENT : {$1300.00} AUTOMATIC PAYMENTS : LAST PAYMENT RECEIVED :XX/XX/XXXX ESCROW BALANCE : {$680.00} PRINCIPAL BALANCE : {$130000.00} XXXX
Product: Checking or savings account

A month of emails due to lack of {$25.00} deposit based on terms that were completed by end of XX/XX/year>. The response has always been we have reached out to the appropriate department. Its {$25.00}, the terms were complete, and I have been waiting of the deposit. 

Initially I was told that I would automatically get the {$25.00} by the end of the term period. That never occurred, and Ive just been trying to get someone manually to approve the promotion fund.
Product: Credit reporting or other personal consumer reports

Hello I was XXXX  when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering my next step will be the lawsuit I ask that you please removed these items and a timely manner thank you ..also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE REMOVED OFF MY FILE ALREADY, XXXX and XXXX removed it as well I ask TransUnion to remove these accounts from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on Experian, XXXX, XXXX  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX  - # XXXX 5. XXXX - # XXXX
Product: Debt collection

My information was stolen back in 2011 and various accounts were opened with this information including this account that I had no knowledge of or how to go about disputing it until now.
Product: Debt collection

I am writing to dispute an account on my credit report, which I have contested XXXX times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : XXXX Account Open Date : XX/XX/year> Issues : Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you provide : The last billing statement from the original creditor, including the amount due and the date it was due. 
If you can not provide this information, I request that this account be deleted from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI!, I payed HUNTER WARFIELD in full four months ago. they only increased my credit 100 points. it is supposed to go up 200 points. 
they need to increase my credit another 100 points.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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: Credit card or prepaid card

I ordered a bed online through XXXX XXXX XX/XX/XXXX. XXXX XXXX account # XXXX offered financing through Captial one Account # XXXX. Bed was never shipped and put on back order several times. Order was attempted to cancel numerous times XX/XX/XXXX, XX/XX/XXXX, XXXX due to non-delivery. XXXX XXXX said we would receive a full refund on XX/XX/XXXX. Capital one is still charging me interest and late fees on a product that was never shipped and never received. In addition, Captial one is reporting negatively to my credit report.