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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Equifax 's Failure to Properly Investigate Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Equifax regarding its failure to properly investigate and resolve the inaccurate and inconsistent reporting of my personal credit information.It should be noted that my personal information was exposed in a data breach by Equifax I have identified multiple inaccuracies in the credit report maintained by Equifax, which include The following fraudulent accounts A charged off credit card with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$10000.00} opened on XX/XX/year> A charged off credit card with XXXX XXXX XXXX XXXX with a balance of {$4700.00} opened on XX/XX/year>
Product: Debt collection

The Collection Agency trying to collect on a debt that is NOT a debt. The original creditor used another collection agency to collect the exact same debt. I disputed that one off my report.
Product: Mortgage

I have accumulated a lot of debt. In early XX/XX/2019 i received a mail from Figure. 
Pre-approved 2nd Home Equity loan They sent me some forms to sign. they never asked me why i wanted the money. Then without my knowledge the monies were in my account. 
It wasnt what we discussed. I used the funds to payoff XXXX< XXXX and XXXX. 
When I started reading everythin i realized the the interest was 8.99 % and a {$3000.00} service fee. I called them and their answer was we did the the best they could. After repeated calls. I showed some papers to XXXX. Their loan officer said that this loan should have never happened based on the fact I didnt qualify by a mile. I have an equity loan with XXXX. I pay my bills on time. However with a payment over {$1000.00} per month i will not be able to make these payments. If they would have returned my calls I would have cancelled. I asked if I could pay down the loan if I had a windfall. No answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/13 Release of Tax Lien State of Alabama {$4000.00} Docket # XXXX X/XX/13 Release of Tax Lien State of Alabama {$830.00} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law
Product: Credit reporting, credit repair services, or other personal consumer reports

After further review of my XX/XX/XXXX Credit report with XXXX, XXXX, Equifax -- i discovered an account that was previously mine, but was reopened by some other then myself. 

The report confirms the opening date ( confirmed ) payment history. The Account was closed a year ago with the Financial Institution, how it was reopened is out of my reach Upon further review the report indicates a late payment in XXXX of XXXX, and a closure in XXXX of XXXX. Moreover, this validates a double redflag, and imminent fraud. A fraud report was placed with XXXX.
Product: Credit reporting

I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received treatment for my injuries, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the treatment I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIES.

XXXX XXXX
AccounXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
AccounXXXX XXXX XXXX
Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXate Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

XXXX  
Account XXXX XXXX
Date Opened XXXX XXXX XXXX
Balance - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Pursuant to 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in the information provided in consumer reports. 

The specific account I am disputing is as follows : Account Name : XXXXI Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$3800.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance : {$1100.00} Balance Updated : XX/XX/XXXX Recent Payment : {$2500.00} as of XX/XX/XXXX Original Balance : {$3500.00} Terms : 7 Months On Record Until : XX/XX/XXXX Additionally, the payment history for this account contains inaccurate reporting : XXXX Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe the information being reported is either incomplete or inaccurate. I am requesting a reinvestigation of this account, and I ask that you verify the accuracy of this data with the original creditor, XXXX Please provide me with the details of your investigation and correct or remove any erroneous information as required by law. 

In accordance with 15 USC 1681i, I kindly ask that this issue be resolved within 30 days of receipt of this letter, and that I be provided with a written confirmation of the actions taken. Please also send me a free copy of my updated credit report. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of this dispute and the appropriate corrections made to my credit report.
Product: Checking or savings account

Valley FKA Valley National Bank has changed the terms of the promotion retroactively after the fact instead of paying the advertised account opening promotional offer of {$200.00} and further delays payments to those customers affected.
Product: Credit card or prepaid card

The company Experian keeps sending me e-mails that I am approved for various XXXX XXXX credit cards. The message is saying " congratulations '' your new credit cards are waiting for you '' when I take the advice of experian and apply my application is denied immediately. The last credit card I applied for is called XXXX and XXXX by XXXX XXXX. Please remove the inquiries and decisions from my credit report because the message is misleading and I feel discrimination is present.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account Number:XXXX Please investigate and delete it from my credit report. 

XXXX - Account XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX  - Account NumberXXXX My parent has the same name as me. 
Account NumberXXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian decreased my credit score XXXX points in XX/XX/XXXX after I had completely paid off XXXX bills. 

Experian agent XXXX informed that I made a late payment on my XXXX XXXX account in XXXX and XXXX. However, if any of my payments were late in XXXX and XXXX, then the decrease should have shown up during those times, not after I completed payments. 

Experian 's explanation does not seem plausible. Therefore, I will assume the XXXX decrease on my credit score in XX/XX/XXXX, was due to my complaint to them near the end of XXXX about displaying my student loan first and foremost on their report for my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially requested to Experian to investigate information on my report that I felt was inaccurate in XX/XX/2022. I never heard from them after sending my request via certified mail, ensuring they did in fact receive my request. I sent another certified letter to Experian in XXXX requesting Experian to please look into my credit report and investigate inaccurate information. I still did not hear back from Experian. I then filed a complaint with CFPB about XXXX and I finally heard back from Experian. While an explanation was received, I still had my rights violated. I had to wait well past the 30 days required to have an investigation completed for my request. 

According to the Fair Credit Reporting Act, Experian 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding MY dispute. When Experian contacts the furnisher or vendor, they require vendors to verify all of the information regarding the item I disputed and report back within 30 days of the date that Experian received MY request ( 21 days for Maine residents ).
Product: Credit card or prepaid card

I have a XXXX  and feel XXXX  based on XXXX and I want to be a Hilton honors cardholder each time I apply Amex immediately declined me without Reason this is unfair
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry from XXXX XXXX XXXX on my Experian credit report in error.I do not have an account here. I request that this item be removed from my report immediately. 

Prior to reaching out in writing, I attempted to resolve this issue via phone. Unfortunately, my calls were consistently routed to representatives outside of the United States, who were unable to assist me effectively. Despite my efforts, I was not afforded a fair opportunity to resolve this matter. As a result, I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report is corrected. 

I would appreciate your prompt attention to this matter and request that you take immediate action to remove the disputed item from my credit report. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit act Experian has violated my rights to privacy for reporting account XXXX XXXX XXXX.
Product: Debt collection

XX/XX/19 : Requested verification of account XX/XX/19 : Received statements and copy of Terms of Service with my printed name on the signature line and my social security number included as company tax id number XX/XX/19 or thereabouts : I was contacted by the collection agency who threatened to arrest me within 15 minutes if I did not pay. On another occasion the representative told me that they had my wife 's phone number and would call her every half hour if I did not pay The company did call my wife and after she said she did not speak English they hung up and did not call back. 
XX/XX/19 : Contacted collection agency and representative was made a few statements and was rude, then hung up the phone before I was able to ask any additional questions. 

The account is not my account. I never owned this business or any other business. The other person on the contract stated that he opened the account under the business tax number and later sold the business. He does not know how the company obtained my social security number
Product: Student loan

Navient is robocalling us XXXX times a day now since the Shelter In Place. We are Seniors. We have no loans. Their IDd number is XXXX. Please make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX - have knocked off creditors from my account that show over 30 years of credit including XXXX mortgages that have been paid in full and for the 2nd time this year with nothing added to my report but a good paying history on 2 accounts have lowered my score to XXXX from over XXXX. Meanwhile XXXX has it correct and has increased my score steadily with the current information. Please verify to me why these companies can do such without anything changing on your report and how can they delete the value of past mortgages. They should be punished for what they do in error and then provide no way to dispute the facts and only allow you to dispute what they have on the report- so when they delete something you just are supposed to deal with it. It really is a shame they can get away with such.
Product: Checking or savings account

On XX/XX/XXXX my daughter attempted to buy concert tickets. Without my permission, she made a payment via my chase account and XXXX for {$200.00} to a scammer XXXX XXXX XXXX who never sent her the tickets. When I found out what happened I contacted my bank and made a fraud claim, chase and XXXX refuse to help, they dont even care this is a scam and a legitimate issue this person has been doing for years. So much so you can see here : XXXX XXXX XXXX XXXX XXXX A website dedicated to years of people Being scammed by this person. 
This needs to stop and I need my {$200.00} back, please help. 

They did tell my daughter they used XXXX XXXX XXXX XXXX if that helps too, who I have also reached out to.
Product: Credit card

I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.
Product: Mortgage

I spoke with my mortgage company in XXXX asking them the impact on the escrow for the deferred payments, I told them I did not want my escrow to increase once I have completed the fb and subsequent deferment. They said my payments would increase so I advised I would make a payment for all the past due escrow payments to avoid this, the agent processed a payment over the phone for me for {$5700.00} and posted to escrow. They said ok, I was contacted advising me that my COVID forbearance was coming to an end and that they could either extend it another three months or complete with a deferment to the end of my loan. I asked them to extend, they went on to tell me that more than 12 consecutive months can not be done so I would have to pay for the XXXX payment and that they would give me a fb extending me thru the end of XXXX. I asked them how that is an additional 3 months?? That is not three months. A couple weeks later I received a letter detailing all of the payments owed, the payments included the escrow I had already paid. I called them and advised them that the payments indicated in the deferment letter was incorrect. They told me that regardless of me paying the escrow, they will still put the entire PITI at the end of the loan. I told them that is not correct and requested that they reverse the payment posted to escrow, conclude the fb and defer the payments, and then use that money to post the next two mortgage payments with the overage to principal. They said ok. In the interim, I received a collection letter advising that I did not qualify for forbearance or deferment. I reached out and they said the letter was incorrect, they asked me again if I wanted the fb and I said yes. I asked them about the money I sent that was reversed, they told me they will not be refunding this as it has been too much time. I called again, XX/XX/24 asking about the money and the outcome because I was supposed to receive an escalated call back and did not and it had been a week. They sent me to the resolutions team and I spoke to XXXX and she confirmed I am on a fb and that the money was not in unapplied but had been posted to payments!! I told her the whole situation and told her that I at no point advised them to post any payments while I am in fb. I told them that if they concluded the forbearance and completed the deferment that it was to apply to payments due going forward! She advised me that she will have to talk to upper management to request approval to reverse the payments posted and refund me my money.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. After reaching out the companies I was advised that they didn't have a record on file of me every applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

PER 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Checking or savings account

Over a period of 12 days there were seven fraudulent XXXX transactions that completely drained my account ( {$8300.00} ). I called Bank of America to report it but they said it was XXXX 's problem and all they can do is record it. I called XXXX and they don't even have an option to talk to someone if you use their service through a bank. The bank reversed the overdraft fees incurred but said the {$8300.00} is out of their hands ... and now continue to charge me overdraft fees ... .but I can't put money in my account or it will be stolen.
Product: Payday loan, title loan, personal loan, or advance loan

This company charges outrageous and predatory fees. Sets, as an example, your payment to be XXXX, when you pay it, XXXX or more is applied to interest only, with barely anything going to the principle, keeping you forever locked into their scam. It is impossible to get out of their scam without paying the total balance in full all at once. Most end up, if they commit to the payements, with more owed to them than the original amount loaned to them all because of predatory fees.
Product: Checking or savings account

Numerous complaints have been made against Wells Fargo pertaining to accounts opened as a result of high pressure sales tactics by Wells Fargo reps, specifically fees charges to these accounts which mainly include overdrafts. Complaints were not resolved, small remedy amounts were provided including {$50.00} and {$120.00} which do not cover total fees. Wells Fargo repeatedly provides an offer of mediation, a packet in re has been sent to me a total of four of five times, three were filled out and returned, the last one was sent on XX/XX/27. Recently, I was contacted by an XXXX XXXX with a settlement offer, however, nothing was received in re and I am now back to requesting remaining fees which total {$610.00} and have been denied. Wells Fargo insists on continually mailing me statement copies which I already have and thus, arrived at the total of {$610.00} charged in overdraft fees, I included prior refund amounts and this total reflects those. Any mailings from Wells Fargo, unless it is a check for remaining fees, will be refused as they have been, the most recent packet was marked refused. Failing to refund these fees, information has been provided to attorney XXXX XXXX of the XXXX XXXX XXXX whom is investigating several banks and credit unions including Wells Fargo for their system of charging overdraft fees. Regardless of what their account agreement states, Wells Fargo engages in questionable practices, otherwise, they would not be under investigation. In closing, Wells Fargo did agree by offer of settlement, to refund me these fees. I will not divulge the amount of settlement, however, I will say it is much more than the amount of request. As stated before, no payment was received from this settlement and I will not keep calling and emailing their rep, XXXX XXXX in re. However, I will keep filing complaints until I get what is owed to me which is the amount of {$610.00}. If Wells Fargo keeps denying my request, the attorney will recover some if not all via litigation.