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 the account is accurate, without providing any substantial evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. 2025-CFPB-002 ) against 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. 

These are the accounts that are inaccurate on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This company is not being honest with what they have done with my money. This is my third complaint. As explained in the first two complaints SP Servicing held my account for one month when they bought it from XXXX XXXX. My first payment was due on XX/XX/2020. I paid on time as I always have. I also applied two payments to my principle. They took all my money paid and applied it to interest with some type of story how " my interest is compounded daily '' blah blah. They also tried to say that there was an error on how XXXX XXXX  processed my interest and they took the extra payments for that, but when I filed my second complaint demanding verification on what they error was lo and behold they couldn't tell me. So they stated that {$280.00} that they stole from me was sent back to me in my escrow check. Not true. You will see on two screen shots that all my money I paid to them in one month went totally to interest and when they were caught they moved my principle payments to escrow without ever applying them to my principle and look at the attachment! The {$280.00} they state was sent to me is guess what? Still sitting in escrow. When I called to inquire why this money was not returned to me I was told it was for " fees ''. Although they couldn't tell me what the fees were for during the phone call. SP Servicing stated that my account was under review and they would tell me in writing within 30 days. So now they must answer why they lied and told you they mailed this money to me as part of my escrow when in fact they did not. Lastly they owe me more money than my account shows, because they never applied my principle payments to guess what? Principle. Therefore, when they quoted my pay-off they overquoted what I actually owed. I need that reimbursed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans do not belong to me.. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX , DEPT OF ED/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately : ( 1 ) XXXX XXXX XXXX Balance : {$XXXX} ( 2 ) XXXX XXXX Balance : {$XXXX} ( 3 ) XXXX XXXX XXXX  XXXX Balance : {$XXXX} ( 4 ) XXXX XXXX Balance : {$XXXX}. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Mortgage

XX/XX/XXXX, XXXX XXXX sent letter advising that Shellpoint Mortgage Servicing would be handling my mortgage payments starting with the XXXX XXXX payment. 
My first contact from Shellpoint was via mail on XXXX XXXX. It was my XX/XX/XXXX statement, stating that my XX/XX/XXXX payment was overdue. With enough information to make a payment, on the first business day that my bank was open, XX/XX/XXXX, I went and set up online bill pay to Shellpoint, which was supposed to land on XX/XX/XXXX. I was just squeeking by to make the on time payment. 
My next contact from Shellpoint arrived on XX/XX/XXXX. It was a welcome to Shellpoint letter dated XX/XX/XXXX, along with the XX/XX/XXXX mtg bill! This seems calculated to put the mortgage holder in a delinquent position. 
I have written a " qualified written request '' letter to Shellpoint, referencing Section 6 under the RESPA, but want to advise government agencies of the poor practices that could result in other mortgage holders being considered delinquent. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a CFPB complaint regarding CBF Services. They said they could not give a response for not having specific information. I will go ahead and attach the letter I have sent multiple times with all the information needed. Provide with results this time.
Product: Student loan

I have been paying on this loan which was originally {$17000.00} starting in XXXX and on XXXX XXXX I decided to pay off the balance which at the time was {$7300.00}. I paid it directly through the Navient website and it was debited from my account on XXXX/XXXX/XXXX which I still have my statement for. The very next month I started getting emails about my payment being late. The first time I called the woman told me not to worry. It took 4-6 weeks to process repayments. I continued to receive late notices. I called again and was then told I sent my check to the wrong address and they would have to refund it to me. I reminded them I paid through ACH on THEIR website not with a check and that I had my statement showing it came directly out of my account. I was told at that point they would cut me back a check. I waited about 4 weeks and was still getting late notices when I called again to find out where my check was and to try to resolve the late fees and interest they were charging me. I was told again it was my fault, that I sent a check to the wrong address and the turn around to cut me back a check would be 6-8 weeks. They waived 2 months of late fees but did not waive interest accrued and although I bumped it to three levels up they all denied I paid it through their website even though I told them I had proof on my bank account. I had to pay over {$800.00} to get my account straight which was a whole other dibacle. I did finally get my check however I now have a XXXX balance on a loan I tried to pay off 7 months ago. They are taking out way more in interest than they should and they wo n't allow me to pay the loan off. I am at a loss as to what to do. They definitely have deceitful lending practices.
Product: Debt collection

HI AND HOW ARE YOU? You continue to report incomplete and unverifiable negative items on my credit - how is that even possible? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Mortgage

To the CFPB, Caliber home loans, and other recipients XXXX this letter go on record as it states the facts in our complaint against Caliber Home Loans. On XXXX XXXX Caliber became the new servicer of our mortgage.In the 2 years since we have never received any SPOC from Caliber to help us retain our home.in Calibers most recent response to the CFPB, Caliber claims that they could not contact us with a SPOC because f a cease and desist on the loan. The fact is in XXXX we hired an attorney to respond to a foreclosure attempt by XXXX, who was the mortgage holder at that time. In the letter sent to XXXX formally disputing their attempt, the wording is as follows " We are demanding that XXXX cease and desist any attempt to foreclose on the home. '' The wording did not state a do not contact cease and desist and further more Caliber Home Loans was not named in this as it would be XXXX more years until Caliber became the new servicer of the loan. Caliber also stated in their recent response that a letter was sent to our bankruptcy attorney on XXXX XXXX, XXXX regarding our loss mitigation options. Our attorney has no record of such letter. Are request through the CFPB was for Caliber to send us any proof that this letter was sent to and received by our bankruptcy attorney. There has still been no response. It is clear that through Calibers lack of contact over the last two years, manipulation of wording, and lack of response to our complaints, that Caliber never intended to help our family stay in our home and only to foreclose and evict us. Leaving this family homeless. Further more the purpose of the CFPB is to help the rights of the consumer but it would seem that is not the case because their hands are tied. Disappointing. XXXX is also go on record that a copy of this letter has been sent to the Massachusetts Attorney General, Massachusetts division of banks, The Justice Department, and our State Senators. We have also consulted with an attorney and we will be taking legal action for the loss of our home, severe violations of our rights, and the mental and emotional stress put on our family. 

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

Back in XX/XX/XXXX, I learned that Specialized Loan Servicing was reporting that I was delinquent on my mortgage in XXXX and XX/XX/2019. That was not possible since I sold my house on XX/XX/2019. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/19 @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of distress. I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX XXXXXXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my crook misspelled my name.
Product: Credit card or prepaid card

Commenity bank ( specifically for my Victoria Secret CC ) has been down for the last couple days not allowing consumers to log on and make their payments. I had to log onto XXXX to find out that they would make special exceptions for late fees and would be lenient about charging late fees for all customers not able to pay their bill on time due to a system update. I have tried calling customer service to make the payment and their customer service line is down as well. There has been no communication to consumers about the systems going completely down and I should not have had to go on to XXXX to find this out. I am reporting this incident to make sure that a late fee will not be assessed on my account and they will not be reporting my late payment to the credit bureaus as this is commenitys fault.
Product: Credit card or prepaid card

AMERICAN EXPRESS closed my account without my consent. Im aware that an account is never closed. They also have a charge off on my consumer report as if I was obligated to pay something. The contract simply shows that the balance is owed to me! They are continuously using false and deceptive practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card

I applied for a Capital One Business credit card. I was informed to provide secondary documents which I did. I provided The annual report to the state and my tax return which was initially accepted and then when I called back, they said they will not accept it. They declined my annual report to the state, which was prepared by my tax consultant. After that, I provided two Additional documents with my business name, my bank statement, and water bill. Per the letter it stated documents need to have the business name on them. Both the bank statement and water bill have my business name on it. When I called back, they said they cant accept those documents because they also have my name on them. Nowhere in their letter does it say that it is to only have the business name and not my name. I am the business owner, and I dont know any bank that is putting out a bank statement without also putting the owner name on the bank statement. I feel like I am being discriminated against for reasons that I do not understand. I have consulted with my tax consultant who says he has never seen this happen and I have provided all supporting documents. I also have a XXXX XXXX of XXXX so there is no reason why they should not approve me after providing all the documents they Requested. I have provided every single type of document with the business name and address, and they still are denying me. Nowhere on the Forms requested does it say it can not also have the business owners name on it.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Toyota Financial Services concerning a serious issue with my lease account for a XXXX XXXX XXXX. I am experiencing significant problems related to an accident, the total loss of the vehicle, and the handling of my account and surplus payment. Despite my repeated attempts to resolve this matter directly with Toyota Financial Services, the issue remains unresolved, and my credit score has been negatively impacted. 

Details of the Issue : Lease Information : Vehicle : XXXX XXXX XXXX Lease Start Date : XX/XX/XXXX Lease Payments : All payments made on time without delays. 

Total Loss Incident : Date of Accident : XX/XX/XXXX Status : Vehicle deemed a total loss Lease Payment Due : XX/XX/XXXX, which was canceled by Toyota Financial Services. 

Insurance Payment : Date of Payment : XX/XX/XXXX Amount : {$30000.00} ( included a surplus of more then {$3000.00} over the payoff amount ). 

Surplus Payment Promise : Date of Communication : XX/XX/XXXX Letter received indicating that a check for the surplus amount would be issued within 3-5 business days after account closure. 
Account Status and Credit Score Impact : Account Closure Status : Despite being informed that the account was closed around the time indicated, my credit score dropped by XXXX points as of XX/XX/XXXX. According to XXXX and XXXX reports, my auto loan of {$13000.00} is still listed as unpaid, and the account remains open. 

Issue : Toyota Financial Services has received the full payment from my insurance company, yet my account is listed as open and unpaid. 
Attempts to Resolve : Multiple contacts with Toyota Financial Services ' Financial and Total Loss departments. 
Information received : The account is not yet fully closed due to pending steps by the Total Loss department. 

Advice given : File a dispute by mail to a XXXX XXXX XXXX XXXX, Texas, with no further assistance or resolution provided.
Product: Credit card or prepaid card

A credit card was fraudulently opened in my name and I am completely unsatisfied with Synchrony Bank 's 'investigation ' of my fraud claim. I had NEVER had any contact with Synchrony about  this account prior to my discovering the fraud on XX/XX/2020. I have not lived at the address associated with the account for 20 years. The email address associated with the account is not mine. I have never received any phone calls from Synchrony related to this account. I informed Synchrony that this account is fraud and they undertook an 'investigation '. Today I received notice from Synchrony that they are unable to approve my fraud claim because : 1. " You authorized, participated in, or benefited from the purchase '' 2. " Payments have been made by you on this account '' 3. " The account has been opened for more than 12 months with statements sent to you '' I am furious about this situation for a host of reasons. To begin with, Synchrony never contacted me as part of their investigation and none of their so-called findings are true. I called Synchrony again and they say they are unable to give me any details about the account, but I was able to find out that the address on the account is one that I have not lived at for 20 years, the email on the account is not mine, and Synchrony acquired the account  from another issuer in XXXX. I believe that Synchrony is intentionally doing a sham investigation of this fraud in order to scare me or bully me into paying it. I have NEVER had delinquent credit and as a result of this my credit score dropped from over XXXX to XXXX. This account is fraudulent. I have never used this credit card and I have never made payments on this credit card. I am begging for help to get Synchrony to do a competent investigation.
Product: Credit reporting or other personal consumer reports

Basis for dispute : Account Name : XXXX XXXX, Account XXXX : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Account Number : Digit sequence show a discrepancy. Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : TransUnion shows XX/XX/XXXX and XXXX and XXXX show XX/XX/XXXX, Closed date : Only reported for Transunion and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history Basis of dispute ( Image of my credit report )
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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

I contacted Experian Disputes on XXXX XXXX. 
I contacted Experian XXXX XXXX I contacted XXXX XXXX XXXX The following are *UNAUTHORIZED INQUIRIES This is inaccurate information on my credit report XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX