23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX XXXX XXXX which is not mine. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX XXXX XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX XXXX XXXX and XXXX XXXX XXXX accounts does not belong to me and they have deleted these items from my credit report. Experian fail to provide me with require information that these allege debt are 100 percent accurate, Experian still reports these negative information on my credit report. Also I have received letters from Web Bank stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have 100 percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Today, XX/XX/XXXX, I received a letter from Chase XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) regarding a transaction on XX/XX/XXXX charged amount {$8.00} by the merchant XXXX XXXX. I explained I did not recognized this transaction by calling the number written behind the Chase credit card, XXXX. The customer service seemed to be named, XXXX, but I could not recognize his name since the pronunciation was not clear. He was not a native XXXX speaker. After explaining several times, we finished this charge was fraud and he told me the card, which I had now, was closed ; therefore, I would receive another Chase credit card. It would be XXXX new card. He told me this charge {$8.00} was made previous credit card, which I used for years, ending XXXX. I immediately considered it should not happen because I already did not have this card ending XXXX, because it was already cut and discarded ; therefore, this charge should be made by some companies in the past, which I had the transaction and did not know my card was changed. Anyway, this is clearly fraud by somebody and/or some company, which use my previous card number ending XXXX. I am not sure which company did clearly, since most of the existing companies, which has some kind of transaction have notified the change of card, except the newspaper company " XXXX. '' Since the letter from the Chase asked me to contact with XXXX regarding this XXXX, I will fight with it.
Product: Credit card

The credit card company is changing dates that I can make payments then charging me late fees. Making my bills unaffordable so I can't afford so they can make more money.
Product: Credit card or prepaid card

I have been trying to pay my credit card statement for my XXXX account through commenity but the website has been down for a week. Card is also being declined, and call center hs been shut down
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX "
Product: Debt collection

I notice XXXX that there was a collection account showing on my credit report from Amsher Collection Service. I called them to find out what this was about as I have not received any notification of any collection account. I was told that they can not give me any information that I needed to speak to XXXX XXXX 's office, that he was the attorney handling this matter. I called the law office and asked them about this debt. They said it was for a wireless provider XXXX and I told them that I never had a XXXX  account that I have XXXX XXXX XXXX  and before that XXXX and that they were under my dad 's account. They asked me if I know XXXX XXXX and I said yes and they said the account was under that company name. I told them I am not liable for any of those debts and I have never been notified in writing or called about this debt and the only way I found out was that I applied for a mortgage. They insisted and very rudely told me they did and tough luck. I asked for proof that I am personal liable and they have not produced this to date. How can they just placed a collection account on my credit report without notifying me and/or validating that I personally owed the money? Before a collection company can put a debt on my credit report, they are legally required to send me a written " validation notice '' within five days of their first contact with me, which details the amount owed, the original creditor, and your right to dispute the debt, which is mandated by the Fair Debt Collection Practices Act ( FDCPA ). I contact them in early XXXX, two or three times, I can find my notes. Now I just received on XX/XX/XXXX a letter from them about the debt. How can they have this placed on my credit report before contacting me. They said I had until XX/XX/XXXX to dispute the debt, which I did and mailed back to them. On the phone when I called them I asked about just paying this to get it off my credit report. They said if I paid the full amount they would give me a on time courtesy and remove the account. I didn't trust them and I asked for this in writing and they said they won't do that but our conversation was recorded. I asked can I record this and they said no I just need to trust them. How can I trust anyone that can be so deceptive and lie to me and then say just pay it and it will be removed. If I owe the money, I will pay what I owe before it could have been added to my credit report. But they never contacted me nor have they provided proof I personally owe the debt. I asked multiple times to speak with a supervisor and they tell me no one is available they will call me back and they never have. Please help.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Attorney General of Texas Consumer Protection Division Office of the Attorney General Subject : Formal Complaint Against Credit Bureaus for Unauthorized Account Disputes and Resulting Harm I am writing for the ninth time to formally file a complaint against XXXX, XXXX, and Experian for inaccurately marking my credit card accounts as being in dispute or fraudulent. 
This wrongful reporting has led to severe and unjust consequences, including the closure of XXXX of my autopayment accountsXXXX  and XXXX to declined credit card transactions. 

To clarify, my dispute with the credit bureaus was strictly regarding the inaccurate information on my credit reports, including incorrect open dates, payment history, missing payments, and accounts with no data at all. At no point did I dispute any of my active credit card accounts or my student loans, which I fully acknowledge as mine. Despite this, the credit bureaus erroneously flagged these accounts, causing significant harm to my financial stability. 

Additionally, the credit bureaus acted unlawfully by removing me as an authorized user from my husbands credit card without my consent or his authorization, violating both my rights and his financial privacy. 

The consequences of these errors have been devastating. Accounts have been closed without my consent, negatively affecting my financial well-being and credit standing. This unwarranted action has disrupted my ability to manage my finances effectively and has caused undue hardship. 

I request immediate corrective action, including : The removal of any false dispute or fraud notations on my credit card accounts. 

Restoration of my authorized user status on my husband 's account. 

The three credit reporting agencies must contact all of my credit card accounts to have all my accounts reinstated and provide me with documentation confirming these actions. 

A written response explaining how these errors occurred and what steps will be taken to prevent such incidents in the future. 

I am seeking intervention from your offices to ensure these credit bureaus comply with the law and rectify the harm they have caused. Please advise me on the next steps in resolving this matter. 

I appreciate your prompt attention to this complaint. I look forward to your response and a resolution to this matter. Please feel free to contact me at the information provided above.
Product: Checking or savings account

XX/XX/XXXX I have claimed my First Hawaiian Bank account with approximate balance of {$45000.00} which was escheated and maintained custody at Attorney General in XXXX few years ago without my knowledge. 

XX/XX/XXXX I have contacted Attorney General in XXXX at XXXX to check the status and found that my claim was denied and total property had been forfeited and nonrefundable due to their policy that the property must be claimed within one year from the notice of escheat that the reporting bank ( First Hawaiian ) has sent to the owner of the account. Attorney General Office was kind enough to put further research and found that my account was reported unclaimed by First Hawaiian Bank back in XX/XX/XXXX and I should have received the notice of escheat from them which I did not received at all. 

XX/XX/XXXX I have contacted to First Hawaiian Bank in XXXX at XXXX to see if they have any record of sending the notice of escheat. However, they have no record of my account nor any notice was sent to me.
Product: Student loan

For approximately the last 10 years, I have been paying on a private student loan through XXXXNavient. I was the co-signer, my son decided not to pay the debt. The problem is from time to time I have tried to get a sheet to reflect the payments I 've made and current balance. To this day, I still have no idea what I owe. It seems like I 'm a cash cow for Navient with no end in sight. The company has refused to provide me with this information. Early on when this loan went into default I was pushed into forebearance option, informing me that my payment could be missed for 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Student loan

When I exited XXXX school in XXXX I was prepared to enroll in the income based repayment and I knew what I needed to do. It was early XXXX between XXXX and XXXX this took place if I'm remembering correctly, I knew I needed to provide a income statement or a letter stating I was not working as proof of no income. Multiple time Navient told me they did not know what I was talking about and this persisted for months. I had multiple phone calls, but it was not until approximately 3 months in a Navient Employee actually walked me through where on the website I needed to submit the letter stating I had no income. This little fact cost me almost {$30000.00} in capitalized interest. When I'm a XXXX  student who had almost {$200000.00} in debt adding an additional {$30000.00} was just demoralizing. I can honestly say I haven't challenged this previously mostly out of embarrassment. This has happened to fellow classmates of mine and companies like Navient are banking on the fact we won't fight it.
Product: Debt collection

Our company, XXXX XXXX , XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, Brown & Joseph, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX ( an advertising company based out of Utah ). On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of Brown & Joseph demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX , XXXX, stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a inaccurate last payment for a charged off account for Equifax it is showing last payment was XXXX XXXX and for XXXX  it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX, my husband and I paid our property taxes out of pocket, unaware that the amount in our escrow account was to pay those same taxes. This resulted in a surplus in our escrow account that is owed to us. We contacted XXXX XXXX XXXX Mr. Cooper Mortgageto inquire about the {$2800.00} that is owed to us. Since then, we have gone back and forth OVER XXXX times with them asking for our check. Each time I reach out, I'm told the same thing : " we'll reissue the check. '' They claimed to have " reissued '' this check several times, but we have never received it. The last XXXX times I reached out, it was to follow up after someone named XXXX XXXX said " I will go ahead and get the request in to reissue the check through the mail. This process can take up to XXXX business days. '' He said this on XX/XX/XXXX. I have since followed up twice, with no response. This is just XXXX instance of XXXX where we have been begging to be sent our check.
Product: Mortgage

I oppose the findings you wrote about my complaint, you failed to address any of my concerns, especially the one that I can not afford the repayment plan. I filed a second complaint because I feel that the following points that based my complaint were totally missed and all you did was make yourself look good in the eyes of the Consumer Protection agency. 

In my second complaint, I let them know that the repayment plan is a total mistake, it was based on wrong information such as income and expenses. 
I emailed SPS a new income and expense worksheet which they totally ignored. 
Another factor is that SPS totally ignored my hardship, currently I am suffering from XXXX and XXXX  XXXX XXXX which caused my income to decrease, SPS did not even mention this. 
They never addressed the facts in why my assistance was withdrawn and why I am ineligible for other options. 
SPS never offered me any new plans or options for me to keep my home, all they do is blame it on the case and desist letter, but the fact is that they keep emailing the same old dumb letters that are absolutely worthless. All they are doing is emailing me repeat letters every day of the week. I send them all back because they do not offer me any kind of hope. 
Why did SPS not honor my XXXX assistance application which has now impacted my life and well being Finally, I think SPS is setting me up for failure and wants me to accept a repayment plan that is incorrect and based on wrong information. I can not accept this plan when it's constructed wrong. 
All of these delays are adding extra stress which I do not need, why doesn't SPS offer me a new option so we can resolve this issue as soon as possible. 
If CFA rejects this complaint, then I forced to keep on writing to them and other agencies, see attached complaint letter.