23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last six months, Experian has repeatedly lowered my credit score each time I paid off a loan or debt. First, I paid off my wife 's vehicle and they lowered it. Then I paid off a loan for a trailer I purchased and credit card debt and they lowered it again. I went from a score in the high XXXX 's ( very good range ) to the low XXXX 's ( good range ) thus dropping my creditworthiness. I have had no late payments, no missed payments, and no adverse issues with my credit. There is nothing in my credit report showing an issue and all creditors have noted I pay on time and am a good customer. No logical reason for this has been provided by Experian. The first time they dropped the score, they claimed it was because I had too high of a debt to income level. Now, with the latest drop, the claim is my mortgage is too new and has too few payments made on it ( a mortgage I've had for five years and never had a late or missed payment. ) What's even more curious is the opposite has occurred through XXXX, which has raised my score with each of the debts I paid off and has never changed their reasoning for giving the score they provided. XXXX 's score is nearly XXXX points different than Experian. 

Experian is intentionally manipulating my credit score and punishing me for being fiscally responsible and paying off my debts. I have no idea why, but that is the only conclusion I can draw. To continually drop my score when I pay off debt, to change their purported reason for assigning the lowered credit score every time I take corrective action to their previous " reason '', leads me to believe what they are doing is intentional and malicious. 

What they are doing has the potential to affect my ability to obtain loans at the interest rate I have earned, rather than a higher one. After forty plus years of being a responsible consumer, that is unacceptable and I request they be held accountable. I have attempted to reach out to them. They operate an automated line that will not give you the option to speak to a human and does not provide an automated option with which to create a dispute specific to this issue. It is the same on their webpage.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide consumers with a description of the procedure used to investigate disputes within 15 days of receiving a request.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, it is imperative that all credit information provided is accurate, transparent, and fair to protect consumer rights. 

Below are the details of the disputed account : Name of Account and Account Number : XXXX XXXX XXXX - XXXX I kindly request that you provide the following : A description of the procedure used to investigate and verify this account. 
The source of the information relied upon to verify the account. 
If the disputed account can not be deleted immediately due to inaccuracies or unverifiable information, I expect the requested description of the investigation process as required by law. 

I appreciate your prompt attention to this matter and look forward to receiving your response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer credit information is collected, reported, and used. While the FCRA does not specifically address inaccurate charge-offs, it provides certain protections and procedures that can be relevant when disputing inaccurate information, including charge-offs, on your credit report. Here are some key provisions of the FCRA that may apply : 1. Accuracy of Information ( Section 607 ) : Credit reporting agencies ( CRAs ) are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. If you believe that the charge-off information reported on your credit file is inaccurate, you have the right to dispute it with the CRAs.

2. Investigation of Disputed Information ( Section 611 ) : When you dispute inaccurate information on your credit report, the CRAs must conduct a reasonable investigation into the matter. They are required to contact the creditor that provided the information and request verification or correction. The investigation should be completed within 30 days, although there are exceptions for certain circumstances. 
3. Reinvestigation of Disputed Information ( Section 611 ) : If you are dissatisfied with the outcome of the initial investigation or if the inaccurate charge-off information reappears on your credit report, you have the right to request a reinvestigation. The CRAs must conduct another reasonable investigation and provide you with a written response within 30 days.

4. Obligation to Correct or Delete Inaccurate Information ( Section 611 ) : If the CRAs find that the reported charge-off information is inaccurate or can not be verified, they must promptly correct or delete it from your credit report. They are also required to provide you with a free copy of your credit report reflecting the changes. 

It's important to note that while the FCRA outlines these rights and procedures, it does not guarantee that inaccurate charge-offs will be removed from your credit report. The outcome of a dispute depends on the results of the investigation and the accuracy of the information reported by the creditor. It may be helpful to gather supporting documentation and evidence to strengthen your case when disputing inaccurate charge-off information.

If you encounter challenges in resolving the issue through the credit reporting agencies, you may consider consulting with a consumer law attorney or contacting the Consumer Financial Protection Bureau ( CFPB ) for further guidance and assistance in asserting your rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has XXXX. According to the FCRA if these debts are not validated they must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandated a reasonable investigation of disputes/ Furthermore, Equifax 's actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

** XXXX XXXX XX/XX/year> {$1000.00}
Product: Debt collection

NaviRefi repeatedly calls and emails me to collect on my student loan even though I've asked them to stop.
Product: Credit reporting or other personal consumer reports

Request charge-off removal in the amount of {$5800.00}. Do code 15 USC 1681EB- IRS considers forgiven debt. The debt is canceled. The credit agencies has to report maximum accuracy. This isn't accurate. And should be removed immediately by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with COMENITY BANK keeping closed accounts on my credit report when I spoke to a representatives she told me it could take up to XXXX to have close accounts removed from my credit. This is XXXX! It close to 5 Months since these accounts were close AND IF CREDIT REPORTS ARE UPDATED EVERY month WHY ARE they still THERE. It takes less time to add bad report on someones credit. I NEED something TO BE DONE.
Product: Debt collection

I am reaching out in regards to an on going issue I have had with XXXX XXXX. I have been a customer with XXXX since XX/XX/XXXX when I moved into a condo as a single mom with XXXX kids. I have paid on time monthly for their services. 

In XXXX of XXXX, the unit had stopped working suddenly. I spoke to XXXX agent over the phone to attempt to alleviate the problem, but it hadnt. I tried to get someone out to look at it, but I work during the day so it was hard to get someone to come out and try to fix it. I have not used the unit since XXXX of XXXX as well. I started to receive past due payments and realized I got a new credit card. They wanted {$580.00} dollars from me. On XX/XX/XXXX, I wrote an email stating I would pay that amount, but I wanted someone to cancel my contract and not be billed anymore. I believe this was more than fair since the unit hadnt worked in almost a year. I also have proof of emails from this date as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had called numerous times to speak with someone regarding this issue, but after waiting on hold for twenty minutes or more I spoke with someone. Each time this happened, the representative wanted to help me pay my bill, but they couldnt authorize cancellation. I had asked to speak to someone who can do that, but it could never happen. 

I was willing to pay the past due amount every time, but didnt want their services any longer especially since the unit was not working. They have recently sent me to collections, which is very poor customer service and shows they just wanted my money despite the fact I was willing to work with them. I find XXXX to have XXXX of the worst customer service departments that are only present to take your money. I would not recommend to family or friends. 

I would appreciate any help that you can provide. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint 1 month ago about my issues with Experian NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and XXXX properly. Experian is the only bureau not reporting correctly. 

CFPB said this has been resolved with Experian and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from Experian first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : Global lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indigo
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report I noticed ALOT of inquiries that I did not authorize nor give anyone permission to pull my credit! I do not approve of these inquiries that's listed. 
Best Choice XX/XX/year>XX/XX/XXXXXX/XX/year> Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me.
Product: Mortgage

I contact a mortgage broker who works for Thoroughbred Mortage. I needed to obtain a mortgage quickly and we discussed my situation and he said he could get it done within the next couple of weeks. He asked me what type of rate I was looking for and I told him XXXX XXXX with XXXX points. he looked at his offerings and said he could do that. We began all the paperwork, went through underwriting and then they suddenly sent me an updated disclosure that suddenly had XXXX of a point for my rate. I called him and asked him what had happened and he told me that he had not locked the rate in and unfortunately that rate was no longer available. Now he has me over a barrel because I need this to close. I think it was deceptive and dishonest. Is there anything I can do?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX Late Payment XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Late Payment XXXX  Account Number : XXXX Late Payment XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting

I am a victim of ID theft. I am a California resident but someone out of state has taken out mortgages and credit cards in my name. 
I alerted the bureaus of this by mail XX/XX/XXXX ( see attached letter to transunion. I also sent a copy of a police report ( see attached ) and an id theft report from the FTC. 
All the bureaus complied and blocked all the accounts, but Transunion failed to do so. 
Instead of blocking they simply deleted the accounts and re-reported an account from XXXX XXXX XXXX after deleting. This is a violaiton of the FCRA which states they are to block fraudulent information. My last call to Transunion brought no remedy as they said they wo n't be removing the account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EXPERIAN for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account MERRICK BANK CORP on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from EXPERIAN within the require

d five business days. This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be r
einserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. EXPERIAN failed to conduct a reasonable investigation under FCRA 611 ( 15 U.S.C. 1681i ), that require to investigate disputed information and provide evidence supporting the validity of the account. Failure to Provide Verification of the Account : As per FCRA 609 ( 15 U.S.C. 1681g ), I am entitled to receive documentation verifying the account 's legitimacy. EXPERIAN has not provided any evidence, such as the original account application, signatures, method of verification, or any other proof linking me to this account. Failure to Address Identity Theft Claim Properly : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer who provides a valid identity theft report ( such as an FTC Identity Theft Report ) and proof of identity is entitled to have fraudulent accounts blocked from their credit reports. I have submitted all necessary documentation, but EXPERIAN has not acted on my request to delete the account or explain why they failed to do so. 
I have already contacted EXPERIAN regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that EXPERIAN complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had several issues with the robinhood platform starting with XXXX XXXX outing on XX/XX/XXXX Robinhood had an outing that of which cost me at least XXXX dollars based on the trajectory of stocks that day that I intended to buy in, and sell out on. 

I brought this to Robinhoods attention, at one point via phone, they promised me a free Robinhood gold account, I at the time declined. 

around mid XXXX, my account was suddenly switched from a CASH account to an instant settlement account upon applying for options trading. I was never notified nor was it disclosed. 
At that point, I contacted Robinhood on several occasions, via email. 

they failed to respond promptly much less at all on several Ocassions, only to finally help me get it back to a cash account after loosing several hundred dollars. 

I let it go, despite asking for the robinhood gold in which they then refused and stated despite the outing they could not do anything about it. 

XX/XX/XXXX rolls around, I apply for ROBINHOOD GOLD trial. 
Yet again, without being notified or it being disclosed I was switched to a INSTANT TRANSFER account, not a cash account. 
I traded, and built up my limitation which then was looking at a 90 day trading ban if I were to continue trading. 

At this point I was stuck with bothXX/XX/XXXX and XXXX stock which peaked significantly higher than my buy price, but it gave me an error stating I was facing a ban, which is why I first realized I was no longer a CASH account, again without my knowledge. 

at this point I contacted customer service and they stated my funds will finish the XXXX and I could have it switch. 

the XXXX came, they said my funds were pending even though I showed none, as of now I tried to sell my XX/XX/XXXXand XXXX stock, but it gave an error stating I was still looking at a 90 day trade ban. 

I contacted them again and never received a response. 
the day after I received a message requesting my phone number for a call back in which I received. 

When he contact me I explained my very frustration and he promised my funds were clearing the XXXX and it would be put into a cash account at that point. 

no transactions were done other than a cancellation. 

today it stated my transactions are complete and still will not let me switch to a cash account. I have sent emails the XXXX, with no response today. I have sent emails today demanding a response with no response today over 30 hours later. 

This is a disgusting experience that has costed me thousands.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the actions taken by the staff at XXXX XXXX XXXX XXXX in XXXX, LA, on XX/XX/year>, during my visit to purchase a new vehicle. 

I arrived at the dealership with a pre-approval for financing through XXXX XXXX XXXX, a financial institution with which I have been a long-time customer. Before my visit, I clearly communicated to the sales team that I had already secured financing through XXXX XXXX and requested that they match my pre-approval with only one inquiry via XXXX XXXX, as per standard procedure. 

However, despite my explicit instructions, the sales manager proceeded to run a total of four credit inquiriesone authorized through XXXX XXXX and three unauthorized inquiries through XXXX XXXX 's in-house financing, XXXX XXXX XXXX and Ally Financing. I immediately received alerts from my credit monitoring service regarding these inquiries. In response, I rushed to the finance office and urgently requested that they stop, as these additional inquiries would harm my credit score. The response I received was dismissive, with the finance staff assuring me that " when you buy a car, these will fall off. '' I knew at that moment that this statement was false. 

Since that time, I have made repeated attempts to contact the finance manager, leaving multiple messages, and have also reached out to the respective finance companies involved. Unfortunately, none of these efforts have resulted in any resolution or assistance. 

I would like to state, with my mother as a witness to the events, that none of these unauthorized inquiries were permitted by me. Despite this, the dealership has refused to acknowledge or rectify the situation, which I believe constitutes a serious case of fraud. 

I am requesting immediate assistance and resolution regarding this matter, as these unauthorized credit inquiries have negatively impacted my credit score and caused undue distress.
Product: Credit reporting or other personal consumer reports

I am reaching out to address fraudulent personal information linked to my identity. Accounts and transactions have been wrongly assigned to me without my consent, causing me significant distress. As a victim of identity theft, I have reported this incident and urgently need your help in removing all fraudulent information from my credit report. A thorough investigation is essential, as this situation has harmed my financial standing and personal reputation. I am ready to provide any evidence needed and may pursue legal action to safeguard my rights and seek compensation. Thank you for your prompt attention to this urgent matter.