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 on my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing an evidence of a thorough investigation. This practice violates the XXXX XXXX XXXX XXXX ( FCRA ), XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Futhermore, Experians actions XXXX also contravene the Consumer Financial Protection Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the nesscary proof of investigation. 
The account number ( XXXX ) are listed below XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with getting errors corrected on my Experian report. I have been denied credit twice within the past two months based on information from Experian. XXXX XXXX denied a credit card application and I was denied financing a smartphone with XXXX, too. Both companies stated an open bankruptcy case listed in my Experian report was the reason for the rejection. My XXXX and XXXX reports are mostly accurate. Though, Experian incorrectly shows that I have an open Chapter XXXX personal bankruptcy case and omits the fact that I've had an auto loan in good standing with XXXX XXXX since XXXX of XXXX. My credit score with Experian is about 90 points lower than the scores from XXXX and XXXX. 

I filed a dispute about the inaccurate personal bankruptcy listing with Experian. In XXXX, I filed a Chapter XXXX bankruptcy case, but we withdrew and the case was dismissed later in XXXX. After encountering numerous errors on the Experian website 's upload feature, I finally uploaded information from the federal bankruptcy court 's PACER system that clearly states the case was dismissed in XXXX. Nevertherless, ONLY Experian continues to show the case is still open. I called Experian on XX/XX/XXXX and spoke to " XXXX '' in consumer service. XXXX placed the blame for the wrong case status on information provided by XXXX. I have requested my consumer file information from XXXX, but have to wait because the report is only available by US Postal Service mail XXXX not electronically. I have been unable to find any way to file a dispute with XXXX. I provided Experian evidence the case is dismissed and closed and I want their error corrected immediately. 

Regarding my omitted auto loan, there is no method for adding or disputing missing accounts on the Experian website. On XX/XX/XXXX, I performed an online chat with an Experian representative who insisted that I had to call Experian to discuss the matter. So, I called on XX/XX/XXXX and discussed the missing information. The representative placed the blame on XXXX XXXX. I know this is not true, because my auto loan account appears on XXXX and Experian reports and is accurately updated every quarter. The same day, I called XXXX XXXX customer service and was advised that my pay history is sent to Experian at the same time it is sent to XXXX and XXXX. I requested XXXX to send my account history to Experian again. The XXXX XXXX account still has not shown up on my Experian report. I want my auto loan and excellent payment history notated in my credit file at Experian immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. The account that shows on my credit report is for XXXX XXXX. I have mailed XXXX, XXXX, and Transunion a dispute to validate this information and have received the response that this information has been validated and belongs to me. They did not verify who they spoke with and how this information was validated. Below is the letter I sent to them on XX/XX/2020. 

XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ XXXX XXXX XXXX XXXX to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXXXXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices.

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Mortgage

PennymacUSA has an option on their website for a payoff demand. I was curious so I decided to click on it. There wasnt a disclosure indicating a fee would be charged. If there was, I would not have continued. I called and explained this and they refused to remove the fee and said they are not required to disclose any fee charges. In my opinion, all fee charges should be disclosed. The fee appeared on my monthly statement but does not appear on their website.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

I have never received any notification regarding this alleged debt they say I owe. I check my credit and a collection account appears on my credit file. I have sent a validation notice, yet I have not since received any responses with their method of validation or any validation at all. Please explain how you're reporting this account as meeting FCRA guidelines? The letter sent is attached requesting validation and If you can not provide me with this information, then please delete this account from my report.
Product: Money transfer, virtual currency, or money service

My complaint is regarding a company named Credova. This company had provided financing for a purchase. During the sign up process it was made apparent that automatic payments would be deducted for my account every month. However in the week prior to this automatic payment posting I went on their website to verify that the payment was pending and was about to go through. However on the website they showed no instance of a pending payment even a day before the payment was supposed to be posted. There was also no indication that the automatic payment plan even applied to me because it showed me as not being on such a plan on the websites profile status. I then took it upon myself to use the single payment option to make a payment in advance. After filling out the form and agreeing to a {$10.00} fee I instituted a single payment. However there was no confirmation that the payment actually went through the form remained on its site with no confirmation direct. I then clicked the pay button again with the same result nothing happened. The next day my automatic payment went through. The day after that two additional payments went through. The only email confirmation of payment was for the automatic payment but for not the other two. A {$10.00} fee was charged for each manual transaction. After getting a hold of Credova financial they said that they would refund me the amount acknowledged that there was no confirmation on the website and acknowledge that they had not sent me any confirmation emails for the two manual payments however they refuse to refund the {$10.00} fee and and stated that it would take a week to refund the money back into my account. This payment was a EFT which should take a lot quicker than seven business days. So was I deprived of {$400.00} for over a week they took the two transaction fees and kept it. Upon calling customer service they refuse to refund those fees saying that it was my fault even though the poor design of their website lack of payment confirmation and lack of confirmation via email will entice future customers to make this same exact mistake, in essence they're fishing for fees and using them for profit because EFTs do not cost {$10.00} per transaction, they can be done for a dollar at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So basically the week of XX/XX/21 I called Navient and asked how can I get late payments from XXXX XXXX off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on Navients ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my XXXX XXXX and XXXX collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXXXXXX {$600.00} XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

For every credit reporting agency they have a XXXX XXXX listed on my account. My full legal name as it appears on my taxes and birth certificate is XXXX XXXX XXXX XXXX Also, duplicate, and even triplicate addresses are on my report and Ive attempted both in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX to have this information removed, corrected or have the source of incorrect information contact me for proof of the inaccurate or incomplete names and addresses on my reports, especially if they are reporting an account on my report as well. Both XXXX  and Equifax somehow find that my legal evidence doesnt warrant potentially fraudulent account names associated with my report.
Product: Vehicle loan or lease

on XX/XX/2022 I went out to my empty the trash at XXXX XXXX and my XXXX  XXXX  XXXX was gone. I was behind on my payment and had let them know that I was going to court for child support and would pay as soon as my stipend came in. It was late. But I was only behind 2 months. So, I thought I had some time. I have another car through them, and they had also put a order out to have it towed but it was in the garage. They were willing to let me fix the payment on that car to not have it towed which I did. However, the XXXX they took was 100 days past due, but the car was XXXX. I wouldn't have let there be a XXXX  in payment history. So, I asked them to see, and they said that it didn't matter because they had the XXXX now. So, my option was to refinance, and I could have it back. I agreed. They came back and said because I Had late payments and missed payments and now this repossession that they wouldn't give me an additional loan. I am a single mom, and I Can't do anything at this point. 

The problem comes down to the lien. They bank didn't perfect the lien and I have the title to the XXXX with no lien on it from the XXXX XXXX XXXX. I just got a letter stating that I am abandoning the vehicle and that way the bank can have the title, but I have the title. No one will help me to get it back. When they finally admitted that they made a mistake, they are making me pay all of the towing fees and the turnover the title with no written agreement. I have the tittle with no lien, but they won't release my car and won't let me refinance but I want to and have made payments up to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm unfamiliar with this Inquiry and have requested Equifax to remove it due to identity theft. Despite my efforts and a filed complaint, Equifax hasn't taken action. Seeking your help to have XXXX  # XXXX confirm no association and facilitate the removal from my credit record. 
XXXX # XXXX
Product: Credit reporting or other personal consumer reports

i checked my credit the other day and i seen that i had 1 fraudulent collection on my credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax, XXXX XXXX XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of JD Byrider by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and CNAC, XXXX XXXX XXXX XXXX XXXX, and JD ByRider breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and JDByrider.