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

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 50 days. Furthermore, under 15 U.S.C. s 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian :
Product: Credit card or prepaid card

In XXXX of XXXX, my wife and I each made a {$3500.00} charge to XXXX XXXX XXXX XXXX, on our United Airlines/Chase credit cards. The cruise was canceled. On XX/XX/XXXX XXXX issued refunds to our now expired credit cards. Chase has no record of our credit cards, or the refund. After multiple calls I went to my local Chase Manhattan branch in XXXX, and presented them with : 1. A hard copy of the XX/XX/XXXX Chase statement indicating the charge. 
2. A hard copy of my two {$3500.00} payments from XXXX XXXX  to Chase Manhattan on XX/XX/XXXX. 
3. A hard copy dated XX/XX/XXXX from Chase Cardmember Services, indicating they closed my account with a {$0.00} balance, and inviting me back. 
4. Copies of the interbank transfers from XXXX to Chase Manhattan for {$3500.00} each. 
Chase has not refunded our two {$3500.00} ( {$7000.00} total ) refunds, and can't find any records, even after being provided hard copies of all transactions. 
Chase Manhattan owes us {$7000.00}. 
Chase has copies of all documents which were presented to XXXX XXXX XXXX Branch Manager XXXX KY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about XXXX XXXX and XXXX  Credit Bureau. XXXX XXXX sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. Experian has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an  XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the truck was destroyed. I had paid for the 2290 Form and could not get my money back
Product: Credit reporting or other personal consumer reports

RE : XXXX BANK NA XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts { LIST ACCOUNTS HERE } pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Mortgage

i reached out to the mortgage company Penny MAC about a reassessment of the value of my house to have the PMI removed. They told me I had to make a payment for for the reassessment. I went only and changed my pending payment to be sooner and to add the additional amount to this payment. Which was made on XX/XX/XXXX and processed on XX/XX/XXXX. They still charged me on XX/XX/XXXX for my payment that was already paid on XX/XX/XXXX. this caused my account to be over drawn and many fees to get this straightened out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a matter of utmost importance concerning my credit report. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been egregiously violated by the following creditors : XXXX ( XX/XX/XXXX ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  ( XX/XX/XXXX and XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX ( XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Account Not Belonging to the Consumer Applicable Law : FCRA Section 611 ( a ) XXXX  ( XX/XX/XXXXXXXX  ) Violations : Unauthorized Credit Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) These creditors have committed these violations, which have had a profoundly distressing impact on my life. Allow me to share a detailed and emotional personal story to illustrate the toll this situation has taken : I am writing to request the full enforcement of the FCRA and the removal of these unverified accounts from my credit report. These inaccuracies have not only compromised my financial well-being but have also had severe emotional and psychological consequences. I implore the CFPB to take swift and decisive action in rectifying these violations and holding the creditors accountable for their actions. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that my consumer rights are upheld. I also request that you communicate with the creditors involved and compel them to remove the inaccuracies and unverified accounts from my credit report without delay. 

Thank you for your attention to this matter. I look forward to a prompt resolution that will alleviate the burdens I have endured due to these violations. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a Citi rewards card in the mail that was applied for with my name and information on XX/XX/2020. The card was received by me on XX/XX/2020. I called the credit card company to inquire as to why I received a credit card and reported to them that the application was done under fraudulent circumstances. They informed me they would cancel the credit card and open a credit fraud case.
Product: Debt collection

I have reason to believe that PORTFOLIO RECOVERY is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$690.00} debt as well as an {$330.00} debt that I don't owe and has been doing so since XX/XX/2019. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of PORTFOLIO RECOVERY or the XXXX consumer reporting agencies XXXX, XXXX, or XXXX. 

Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per XXXX XXXXXXXX XXXX XXXXXXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX  ) Reporting information with actual knowledge of errors A person shall 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. 

Per the XXXX XXXX XXXX : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 

XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose XXXX XXXX ( XXXX ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.
Product: Student loan

I contacted Nelnet on XX/XX/XXXX to start setting up a repayment plan. The loan advisor set me up with a pay as you earn payment plan and helped me set up my automatic payments of $ XXXX month. In XXXX my payment never went through. I contacted the company which then told me that none of that had actually occurred and their record only shows a note stating that I had asked for a " Forbearance. '' It was discovered that the loan advisor that I spoke with stole my information and used my identity to set up payments that were taken out of my account and given to a fraudulent company. I no longer feel like I can trust their company since they did n't even know that one of their employees was committing fraud. I also want the {$690.00} that was stolen from me given back. I have pulled my phone records and bank statements. My bank, XXXX XXXX, is also not helping me in any way. I have contacted the bank several times and I have contacted Nelnet a couple times including todayXX/XX/XXXX. My money was being sent to " XXXX. ''
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report with Transunion, there are several unauthorized / fraudulent inquiries : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that these inquiries and accounts are fraudulent. Neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C.1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and seperately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned unauthorized / fraudulent hard inquiries and accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my account affecting my credit score. The Bureaus Inc did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX  XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.
Product: Credit card or prepaid card

The automated recording announced : " Your payment is past due. Your next payment is due on XX/XX/XXXX. '' HUH? 
I've always made my payments early and the last payment I made on XX/XX/XXXX for XXXX was " in the previous billing cycle '' and therefore showed my acct. was in arrears. Had I made that payment on the XXXX there would have been no problem. I thought this might be an easy fix as they could clearly see that I always make my payments EARLY. Here 's a list of the people I spoke to finally ending up with the manager, XXXX. XXXX also refused to escalate this to her superior giving no other reason than " I'm sorry I can not do that. '' despite my asking for a specific reason as to why, several times. It was at this point she told me that my account was on HOLD for making my payments early and there was nothing she could ( would ) do about that. 
I have made several calls try to rectify this situation, but today ( XX/XX/XXXX ) after speaking with a very cold and off-putting XXXX, it was the last straw and I feel I should report this. 
Nowadays with COVID and more than 36 million people out of work, I am being penalized for trying to make early payments. All I asked was for them to remove any marks against my credit and to bring my card current where it deserves to be, but they refused unless I made yet another payment. So I was forced to do so. 
Here is a list of the people I have spoken with at Capital One as well as their ID numbers, ending with a manager named XXXX - whom I spoke with today : XXXX ID : XXXX  XXXX XXXX ID : XXXX  XXXX XXXX ID : XXXX  XXXX XXXX ID : XXXX XXXX Manager  Payment for XX/XX/XXXX : XX/XX/XXXX - {$53.00} Payment for XX/XX/XXXX : XX/XX/XXXX - {$160.00} Payment for XX/XX/XXXX : XX/XX/XXXX - {$70.00} Payment for XX/XX/XXXX XX/XX/XXXX - {$80.00} Payment for XX/XX/XXXX XX/XX/XXXX - {$40.00} Payment for XX/XX/XXXX : XX/XX/XXXX - {$85.00} Too early! Must pay {$25.00} - " Card now on HOLD ''!! " 7 days past due ''!!! 

Paid  XX/XX/XXXX the {$25.00} that was required to pull my card off of PAST DUE status and she still refused to tell me if this would be a mark against my credit stating that she does not know how that works. When asked, she also claimed that she has worked there for eight years. 
Despite my pleas, willingness to give my number and email, and fully acknowledging that I understand that XXXX may not have the authority to adjust this, she refused to allow me to escalate this to her superior - someone who might have the authority to do so. 
Very frustrating - this should NOT be happening, and I need your help. Surely someone has the authority to make sure there is not record of any such past due on my account - something I have worked hard to maintain. 
If they are this cold with someone who tries hard to maintain a good relationship with someone I have borrowed from, I can't help but wonder how awful they are treating people who have lost their jobs and have no means of keeping up. 
BTW, I am on XXXX. 

( Thank you for your time - I do look forward to hearing from you. )
Product: Student loan

Please see letter below. Mohela cashed my checks on XX/XX/XXXX they applied them to my federal instead of my private loans. Please see response below. They expect me to continue to rack up late payment fees and interest while they tip toe their way to giving my money back. I have requested for them to call me back multiple times through their phone system. I finally received a callback after my 5th request and was transferred to another agent that had a 2 hour wait time. They do not have good people reading emails so I don't receive help there either. 


XXXX XXXX : Your concern, as we understand it, regards your XX/XX/XXXX, payments. 
On XX/XX/XXXX, MOHELA received four payments towards your account in the following amounts : Check # XXXX for {$5100.00}, Check # XXXX for {$3400.00}, Check # XXXX for {$740.00}, and Check # XXXX {$3900.00}. 
It is our understanding that these payments were meant for a separate entity. As such, a request has been made to have these four payments returned to you. Refunds can take upwards of 90 business days to process in full. Once processed, your refund will be remitted to the original payor and your loan balance will increase to match the refunded amount. We appreciate your patience. 
Again, we sincerely apologize for the frustration and inconvenience that this concern has caused you. We appreciate your feedback regarding your experience so that we can provide a more positive experience moving forward. 
For additional assistance, please contact a member of our Customer Advocacy Team at XXXX, Monday XXXX XXXX to XXXXXXXX XXXX, Tuesday through Wednesday XXXXXXXX XXXX XXXXo XXXXXXXX XXXX and Thursday through Friday XXXXXXXX XXXX to XXXX XXXX  CT. 
Sincerely, MOHELA Customer Advocacy Team
Product: Checking or savings account

I was currently working for XXXX and they falsely accused me of money laundering and structuring from my personal checking account and terminated me but allowed me to keep my accounts open. They are defaming my character by putting me on the red flag list stating that I can no longer apply or work for XXXX.
Product: Credit reporting

This reporting service claims to fix errors on my report but they never reflect the corrected version ( s ). The first page of their mailing ( s ), state the correction is made but if you look at the actual report in the same mailing, it does not reflect the correction. 

Personally, I do n't think they have a clue as I have called them over five times about the same issues. 

XXXX advised me to be careful of giving these people any information. 

Also, I fax identification documents, police reports, etc..because of identity theft. They state they do n't have the documents I sent and then all of a sudden, out of nowhere, they find them. 

They are supposed to give me a " Legislative Security Freeze '' but my reports list a " general freeze ''. This allows them to illegally charge me for future lifts of my freeze. 

Because of these tactics they are direct violation of the Fair Credit Reporting Act.
Product: Mortgage

1st Alliance lending took my loan application in XXXX XX/XX/2019. After a month of working with them. I sent my Earnest money deposit for a home after getting a mortgage pre-approval. I secured the purchase contract, got the appraisal done, paid for the home inspection and paid of a bunch of my small debts. I obtained a lawyer and she was already working to close. I was told my Mortgage was with underwriting and I should have been closing on or about XX/XX/XXXX. I bought a XXXX   for storage and was preparing to move. Things had been moving along until XX/XX/XXXX when XXXX XXXX The President of 1st Alliance called me and told me via phone that because my title work was taking a few more days than expected they would not fund my loan. No loan denial letter was sent, no disclosures, nothing. I had to find a new lender and start all over. XXXX sent my Mortgage file to XXXX XXXX without my permission and when I told that lender I didnt need her help she harassed me via text message and phone calls which I have screenshots of. This cost me over {$6000.00} and I want those funds recovered immediately. Otherwise I have no choice but to sue. My attorney is prepared should they decide not to make arrangements.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : I C System Account # XXXX date opened XX/XX/XXXX bal. {$910.00},, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$270.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$180.00}. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.