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

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX/XXXX/2025 Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear CFPB, I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submission, I also reach out via phone. Experian consistently responds within 24 hours stating the account is accurate, without providing evidence of the thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in cfpbs recent administrative proceeding. ( XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
The item ( s ) in question are listed below : [ incorrect address, wrong personal details, etc. ) ]XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, GA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Provide the correct details if available. ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX I believe this information is inaccurate for the following reason ( s ) : DATA BREECH " This account does not belong to me. " ] To support my claim, I have enclosed copies of [ list supporting documents, such as payment receipts, correspondence with the creditor, or identity theft reports ]. 
Please reinvestigate this matter, verify the accuracy of the disputed information, and remove or correct the inaccuracies in my credit report. Please provide me with a written response detailing the results of your investigation and an updated copy of my credit report once the reinvestigation is complete. 
If the investigation can not be completed within the 30-day timeframe required by law, please inform me of the reason for the delay and the expected completion date. 
Thank you for your prompt attention to this matter. I look forward to your response. Should you require further information, please feel free to contact me at [ your phone number ] or [ your email address ]. 
Sincerely, XXXX XXXX XXXX Enclosures : [ List any documents you are including, e.g., copies of your credit report with disputed items highlighted, proof of payment, correspondence, etc. ]
Product: Student loan

I am not able to obtain housing because Navient is reporting 3 late payments on two different loans for a total of 6 late payments. I lost my job in XX/XX/2018. I became XXXX in XXXX 2018. I am a single mother. I recently gained full time steady employment and I have attempted to obtain housing and I am unable to because of these late payments. I was working less than 30 hours a week for the last year and I am still XXXX. I was on unemployment from XXXX XXXX  to XX/XX/2018 and I was on public assistance for even longer than that. I received these late payments during a time when my focus was on providing for me and my child. My unemployment forbearance was granted in 2018 and back dated but the late payments are still being reported. I have tried to resolve this issue with Navient and have not been successful.
Product: Debt collection

On XXXX/XXXX/2016 I received a notice from Convergent collection agency stating I owe XXXX {$190.00}. I do not owe that debt and have received a statement from XXXX stating No Payment Due.
Product: Credit card

I have used the Macy 's card on my account for XX/XX/XXXX and XX/XX/XXXX to pay for some things at the Macy 's store in XXXX MA. However, today is XX/XX/XXXX and I only learned that my account was overdue 2 weeks ago when they phone called me to notify me. They have added XXXX late fees on my account already XXXX of {$39.00} and XXXX more of {$29.00} dollars without warning me ahead of time. I was expecting their mail statement but they have never sent me XXXX until I requested the person that phone called me XXXX weeks ago to do so. On XXXX XXXX I spoke with XXXX XXXX ( Manager ) at the collection department who was very rude and verbalized to me that I used their card and that I do n't want to pay now. No need to mention that I felt so offended With her statement. Nevertheless, I asked XXXX to waive the late fees since it was their fault for not mailing a statement to me before but she stated that I was supposed to call them and ask about my bill and that they have no obligation to mail me anything. I friendly verbalized to XXXX that I would not know how often they generate their statement and for that reason I would not call as it has only been 2 months and considering the fact that every company generate their statement differently. Some generates it every month, others every3 months, etc.. XXXX XXXX my argument irrelevant and stated she is not going to waive anything for me.
Product: Mortgage

I own a home which was destroyed during XXXX XXXX that is now in default. I have found a buyer ( for the value in the land as there is no value in the dwelling ). I sent the settlement check from my insurance company to Greentree Mortgage via overnight mail. It arrived at their payoff department ( address I was given by Greentree ) on XXXX XXXX. They have not deposited the check and have been sitting on it for two months. Both my attorney and I have been calling and getting the run around. We are both completely exasperated! My buyer is ready to walk away and I can not afford to lose this deal. It is not easy to sell an uninhabitable and potentially structurally unsound home. Greentree representatives have made so many promises about getting this taken care of and nothing has come of it. I called again this morning ( as did my attorney ). It appears that they have deposited the check but only a portion of it. There were supposed to deposit the full amount and give us a payoff statement so that we could go to closing and be done with this nightmare.. They had agreed not to charge fees and interest from the XXXX/XXXX/15 date as it was their fault that they were not applying the monies from the insurance check. They applied the portion of the check improperly and have charged all the fees. This is beyond ridiculous! They have had my money for over two months and the end is still not in sight. XXXX goals I am looking for here : 1. Apply the full insurance check back to the XXXX XXXX date, 2. Send me a payoff statement so that we can go to closing ASAP! Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several derogatory accounts reporting on all three of the credit reports ( XXXX, XXXX, experian ). The derogatory accounts are all past the Maryland Statue of Limitations. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), XXXX XXXX, and XXXX XXXX XXXX. 

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

I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting collections on my credit report, for accounts I am not liable for, nor signed contracts I signed for. 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. Again, I do not have accounts with the following companies. 

XXXX XXXX XXXX acct # XXXX oriningal credit : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX original creditor : XXXX Bank
Product: Vehicle loan or lease

On XXXX XXXX my XXXX was in involved in a car accident witch my insurance company called it a total loss. In XX/XX/2022 XXXX sent in the amount that I owe with interest rate so I called challenge financial Services and I spoke to XXXX I ask her why did it go from XXXX to XXXX I also ask XXXX for a payout without interest rate what it would be she said that there is no payout with out interest so I ask why can't I get a payout with out interest rate added to it I'm giving you XXXX lump sum to pay off my XXXX  she hung up on me. So know at this point I feel that this finance company is trying to get over on me.all I need it the payout with out interest rate. And I want to know where did the XXXX down payment go I do see it on any of my payment.
Product: Credit card or prepaid card

I initiated a {$20000.00} balance transfer on XX/XX/2021. On XX/XX/2021 the balance transfer was added to my account and on XX/XX/2021 the balance transfer was removed from my account due to the fact that they claimed I did not pick up a verification phone call. Barclay 's did this all in house. 

They are trying to charge me fees on the balance transfer that I did not receive. See attached credit card statement. 

I have spoken to them twice. The first time they agreed I was correct and agreed to waive the fees but that never happened. Second time they insisted that I did do a balance transfer but could not explain what happened to the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX/XXXX, XXXX XXXXXX/XX/XXXXXXXX Balance : -, XX/XX/XXXXBalance : {$590.00},XX/XX/XXXXBalance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}, XX/XX/XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXX/XX/XXXXXXXX Balance : {$1400.00}, XX/XX/XXXX XX/XX/XXXXXXXX Balance : -, XXXXXX/XX/XXXX ( Original Creditor XX/XX/XXXXXXXXXX/XX/XXXX ) XXXX Balance : {$700.00}, XX/XX/XXXX( Original Creditor :XX/XX/XXXX) XXXX Balance : {$270.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00}, XXXXXX/XX/XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXXXXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Product: Student loan

I have student loans dating back to my years in college XXXX. The loans have been sold across XXXX different services in that time and my direct withdrawal gets canceled and I end up paying app kinda of late fees etc until it got set up again. The latest servicer. American education services, has taken received over {$12000.00} in payments and yet my loan amounts each went up over {$4000.00} not down
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. In accordance with the Fair Credit Reporting Act Section 605b, please remove the following items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX OF XXXX XXXX XXXX : {$4800.00}. If the Credit bureaus claim that the disputed items belong to me, I require the Credit Bureaus to send me copies of proof of verification of proof of ownership or any documents bearing my signature si support your claims. Without these documents, the disputed items should have been immediately removed from my Credit File in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureo still getting everyone my info and also dont deleted the data that is not my in my repert also they know i been victim of identity thief
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and im a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX Tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.
Product: Debt collection

The account in question was written off by the original creditor from charge-off in XXXX, I received a 1099C and paid this amount through means of taxes from filing as income ( as required ) when received. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  stating that on XX/XX/XXXX the account was sold to Midland Credit Management. 

Midland failed to send the appropriate information or any communication of any kind until XX/XX/XXXX ( which is past the 5 days ) of that date of sale. 

The materials requested by myself were as follows : - Original contract between myself and XXXX XXXX  with signature - The Purchase Agreement between myself and XXXX XXXX  with my signature - Midland 's License/Agreement to do business within my state of residence ; and if the sold account belongs to any other company, what is the licensing/contracting agreement between that company and Midland Credit Mgmt. 
- Any contractual obligation with Midland with my signature on it annotating I am legally obligated or in any binding agreement with Midland to pay a charged off amount which was 1099C'ed. 
- A itemized breakdown of any presumed charges on the account which includes interest charges on the account, any additional fee 's added to account throughout the life ( to include after default/charge off ) ; the last date a payment was made on this account - Provide any proof of service for delivery of items to validate/verify receiving of these documents ( which they have no sent ). 

On XX/XX/XXXX, a separate letter was sent ( with none of the material above given ), as a " Pre-Legal Notification '' ( which in the context of the wording can is threatening legal action ) which is a direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my inquiry. 
XXXX XXXX XXXX XX/XX/2020 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit card

I have filed a complaint prior to this XXXX asking Chase Bank ( the holder of my credit cards to lower the interest rate on my cards ( I have a perfect payment record on all my cards ). They did nothing. Since that time I have paid off my credit card debt, have XXXX balances on my XXXX Chase cards and have a XXXX Credit Score- an excellent score. I have since contacted this bank and was told there was nothing they could do. The interest rates range from 19.99 % to 29.99 %. I appreciate the fact that we have the CFPB, but I also believe that this bureau needs the muscle to force these banks to do the right thing. They respond immediately when a complaint is filed, but do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached my identification documents for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Debt collection

In XXXX of XXXX an account that was in debt was sold to Mercantile Adjustment Bureau. In the same month the debt was sent to collections, without any notification received by me. There was no telephone contact, or mail attempts regarding my right to dispute. The account once more entered collections in the month of XXXX, XXXX. There was also no attempt to contact me by mail or telephone. 

In XXXX of XXXX, I was contacted by a collector from this company, stating I was responsible to pay {$2000.00} dollars. Following this phone call I was scared, because I was unsure of what to do. I believe I was pressured in to settling the debt, even though I was attempting to dispute the original ownership of it. 

Following the telephone call, I began to do research and it was in fact an actual debt collection agency. I immediately paid it off out of fear and reprisal. Once the debt payment was received the business had X amount of days to report the payment to all major Credit Bureaus to include, XXXX, XXXX and XXXX. 
After an extended period of time, no contact or notification was received regarding payment and debt settlement.
Product: Debt collection

In XXXX of XXXX, our household refinanced our mortgage with LoanDepot. On XX/XX/XXXX, we signed up for automatic payments, and received confirmation that we were enrolled in automatic payments. On XX/XX/XXXX, I was made aware that automatic payments had not been applied, and that our credit had been negatively impacted by this. At that time, we had received no communication from LoanDepot, either in snail mail ( our first communication from them about a " past due '' debt arrived in XXXX of XXXX ) or electronically. On XX/XX/XXXX, I emailed XXXX XXXX, our representative for the loan refinance, and also disputed the report with the three credit reporting agencies. The research department then contacted me, and asked me to write and fax a letter in, which I did that day XXXX XX/XX/XXXX XXXX, and the fax was confirmed to have gone through at XXXX XXXX XXXX. As of XX/XX/XXXX, my credit score had dropped 71 points due to these shenanigans. As of XX/XX/XXXX, not only had things not been fixed, but gotten worse. I contacted XXXX again, who messaged the team, who sent a generic response about the dates and amounts paid ( getting them incorrect ), but not acknowledging the basic problem, which was that they had unenrolled us from automatic payments without notifying us.
Product: Student loan

The loan is through Sallie-Mae . My son 's girlfriend was in her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After completing the majority of the credits for her XXXX, she had no financial support from her family to complete the XXXX credits needed to XXXX. I co-signed a loan through Sallie-Mae in good faith because she had no other option to help her XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and currently has a XXXXXXXX XXXX XXXX XXXXXXXX by XXXX in XXXX of XXXX, PA. 

Before this, she lived in my home for over XXXX years, and my family supported her XXXX percent, not charging rent, utilities, food, etc. 

The balance of the loan is {$13000.00} and she was late on the XXXX payment. 

I explained to Sallie-Mae the circumstances that I am XXXX  and can not afford to pay this loan if she defaults. I requested to please release me from the loan and was told the only person who could release me was the primary holder of the school loan. 

Any assistance you can provide is sincerely appreciated to resolve this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was contacted by Hunter Warfield for the first time on XXXX XXXX, 2016 in regards to a debt they say I owe. I am disputing this debt and sent two letters, one on XXXX XXXX and the second letter on XXXX XXXX, requesting information regarding this debt I do not believe that I owe. The second letter also included a request to cease all phone communication and only contact me via mail. I sent both these letters via certified mail, so I do know that Hunter Warfield received both letters. I was called on XXXX XXXX AND again on XXXX XXXX, asking why I have not paid my debt AFTER requesting that all phone communication cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in XXXX and in XXXX for inaccurate and fraudulent inquiries on my credit report. 
15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA