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

I am writing to file a formal complaint regarding the conduct of Experian in handling unresolved disputes over several unvalidated and inaccurate accounts on my credit report. I have received repeated stall letters in response to my disputes, and accurate resolution has not been provided despite a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure verification and accuracy of credit reporting information. 

**Accounts in Dispute** : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX These accounts are inaccurately reporting on my credit report across all three major credit reporting agencies, damaging my credit score and misrepresenting my credit character. The lack of resolution is a violation of consumer protection rights and has resulted in significant negative impacts, including credit denial, increased stress, and reputational harm. This aggravating situation can be addressed through corrective action, with the potential for seeking punitive damages due to negligent reporting practices.

**Impact and Damages** : - **Credit Denial** : I have faced denials and unfavorable financial terms due to these inaccuracies, harming both my financial opportunities and credibility. 
- **Emotional and Reputational Harm** : XXXX stall tactics and inability to provide timely and accurate resolutions have led to distress and a tarnished reputation. 
- **Possible Legal Action** : Due to such negligence, Experian could face legal action under FCRA provisions seeking both actual and punitive damages.

**Requested Relief** : - Immediate deletion of the abovementioned unvalidated and inaccurate accounts from my credit report, ensuring all details reflect accurately across their reporting systems. 
- An acknowledgment explaining the actions being taken to rectify these discrepancies immediately. 
- Measures to ensure compliance with FCRA requirements in all future reportage. 

I urge the Consumer Financial Protection Bureau to intervene and ensure Experian acts to correct these inaccuracies and halt any further damage to my credit profile. 

I appreciate your attention to this urgent matter and anticipate your support in compelling Experian toward strict compliance and consumer justice.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are fraudulent though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My primary complaint is the non-payment of the mony that was supposed to be fefunded to me in regards to my paying-off my vehicle loan with Toyota Financials ( TF ) here in AZ, telephone : XXXX through XXXX XXXX ( tel # : XXXX XXXX " XXXX ''. 

My loan account # with TF : XXXX | XXXX XXXX. Transaction History file attached. 

My successful call to the above # was on XX/XX/XXXX, where I was assured through the phone that I will be receiving any refund due to me resulting from this loan-payoff transaction including the automatic deduction TF debited from my bank after they already receive the loan-payoff check from XXXX XXXX. 

The customer representative I spoke to from TF was named XXXX who gave me the reference # for this call as follows : XXXX. XXXX assured me that I will be receiving by mail any overpayment amount made to TF or I will be getting a call from their office if more clarifications are made with any other issues about my claim. 

I have been calling and leaving messages with TF 's phone # above and until now I have not heard back from them nor received any snail-mail sent to me from TF. 

The amount credited to my loan-payoff with Toyata Financial was {$20000.00} out of the supposedly {$21000.00} that XXXX  XXXX sent the check to Toyota Financial that amount of which was charged to my current loan for the same car. 

Hoping that I could find resolution in this regard from your good office. I have other issues too that I want to share in another complaint surrounding the 'sneaky " process of my getting this car loan that I thought I was getting from XXXX XXXX XXXX that I thought was only being administratively processed by XXXX  XXXX Toyota that made me lose some extended manufacturer 's warranties that I thought I was getting when I took this loan thru XXXX  XXXX Toyota XXXX 

Thank You, XXXX
Product: Checking or savings account

HELLO AS THEY ARE TALKING ABOUT A DISPUTE WITH SUNTRUST BANK ON UNAUTHORIZED CHARGES, I SUBMIT A DISPUTE WITH SUNTRUST BANK ON SOME CHARGES IN MY BANK ACCOUNT FOR THE LOSS OF MY DEBIT CARD ON XX/XX/19 I WILL SEND ME SOME DOCUMENTS WHAT WILL FILL IN PERSON TO THE BRANCH AND FILL OUT SUCH DOCUMENTS BUT THE DAY OF XX/XX/19 I RECEIVED A CALL FROM THE AGENT WHO CARRIED OUT THE CASE TO ASK ME QUESTIONS I ANSWERED ALL YOUR QUESTIONS WITH SUCH DISPUTE I ANSWERED EVERYTHING ACCORDING TO WHAT WHAT HAPPENED TO ME AND WHAT I SAID THE DAY THAT I CALLED YOU TO REPORT MY LOST CARD THAT WAS THE DAY THAT I REALIZED THAT THE CARD WAS NOT WITH ME BUT I DID NOT REALIZE WHEN I LOST IT OR STOLE MY PROPERTY PLEASE RE-OPE THE CASE AND REIMBURSE ME ALL UNAUTHORIZED CHARGES THANK YOU.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited {$6000.00}, and intend to bank with Citi for the foreseeable future. I was given a {$450.00} bonus and wanted to withdraw it to pay off my bills and to balance my bank account and transfer some of it to another bank account, but they locked my account. I then proceed to call the, and they say it is locked due to fraud cincerns and this lady wont take any questions or concerns and proceeds to hang up on me like they took my momey or something, I have no access to the online portal and have been locked out of everything, and I am really concerned about my cash.
Product: Vehicle loan or lease

On XX/XX/XXXX I received a letter from SST stating that my force placed insurance that was incorrectly placed on my loan on XX/XX/XXXX was credited to my loan balance. I am not sure of the exact date of the credit, so I am going by the date of the letter mailed to me which was XX/XX/XXXX. 
I have requested statements from SST which reflects this credit to my loan on the following dates : XX/XX/XXXX - Emailed SST requesting statement reflecting credit for force placed insurance. 
XXXX called and spoke to XXXX and requested a statement reflecting credit for the force placed insurance. 
XX/XX/XXXX - Emailed requesting statement reflecting credit for force placed insurance. 
XX/XX/XXXX - Emailed requesting statement reflecting credit for force placed insurance. 

I have made four attempts to reach out to SST and receive a statement which reflects where the force placed insurance was credited to my loan. I can go online and get a payoff balance, which I have done, on XX/XX/XXXX. 

I need a statement which reflects the exact date of the credit for the force placed insurance to figure out how much credit SST owes me for interest accumulated for the {$11000.00} force placed insurance on my loan from XX/XX/XXXX through XX/XX/XXXX. I can only go by the XX/XX/XXXX date, the date of the letter, since SST WILL NOT send me a statement that reflects the exact date.
Product: Mortgage

We have been working with XXXX XXXX XXXX XXXX for almost 7 months to complete a re-fi cash-out on a small vacation property. Our credit scores are exceptional and financials impeccable. Wells Fargo has either lost, misplaced or had documents expire which has prolonged this transaction beyond an acceptable time frame. The rate lock has expired at least 4 times. The title commitment expired after 6 months and Wells Fargo wanted to charge us the {$100.00} fee for updated title documents. I refused to pay that since that was due to their slow process. The appraisal had to be updated after 4 months. The payoff of the original mortgage had to be updated at least 4 or 5 times. There were at least 6 emails from Wells Fargo that stated we were in " Final review ''. That never happened because financial documents kept expiring and had to be resubmitted and then reviewed by their underwriting team. Turned into a vicious cycle in which I finally refused to submit more and more documents. Had to get upper managers involved to try to resolve this matter which may now be close to completing. This should have been finished months ago. LTV is less than 45 %! Could have paid this mortgage off with our own funds but wanted to lower the interest rate, lower the payment, and use the additional funds to pay off another investment property. Whole process has been unacceptable. We have completed many, many loans and this has been the worst loan of them all!!!
Product: Mortgage

I am an XXXX year old XXXX woman and in XXXX I began getting letters from Financial Freedom threatening me with foreclosure. These letters said I owed Financial Freedom {$3300.00} for advances they paid out on my reverse mortgage. However, when I called Financial Freedom on numerous occasions no one could explain to me what these were for. Finally, my son ordered an account history and after reviewing the history we determined that Financial Freedom was billing me for taxes that had already been paid or for taxes they claim they paid 8-10 years ago. When I asked them to provide proof they actually paid the taxes, they keep me on the phone for nearly 2 hours and made speak to 8 different people who kept telling me. " That 's not my department. '' an then tell me I 'm the one who has to prove it. 

My son and I went through the payment history realized that even if Financial Freedom is correct and they paid the taxes when they claim they did, I would not {$3300.00}. 

Please help I want to keep my home. I have nowhere else to go. I do n't want to be kicked to the street like the that XXXX woman who had Reverse Mortgage a few years ago.
Product: Credit card or prepaid card

I filed a dispute with discover about a defective item that a merchant would not accept a return on within their return policy. Discover has constantly worked against me in the matter and aided with the merchant with no proof or documentation. Discover works for the merchants not the consumers of their card.
Product: Debt collection

I never gave written consent for any debt collector to report on my consumer report. Congress never defines credit report yet Im being denied my credit because of a credit report number. Let me correct that. Title 15 U.S.C. 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.Title 15 1691 Scope of Prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The consumer has an open ended credit plan but due to information on my consumer report that I never gave consent to report it seems my credit is blocked. They have been misleading the public by calling themselves bureaus when they are nothing more than agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CALIFORNIA XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. CALIFORNIA XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 17. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 tracking these transactions was infeasible.
Product: Credit card

I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of XXXX in accordance with XXXX Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Discover on XX/XX/year> ( XX/XX/year> ). They accepted my instrument, but did not credit my account correctly. I did call on XX/XX/year> & XX/XX/year> and spoke with XXXX, XXXX, XXXX and XXXX, recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I called XXXX XXXX XXXX on XX/XX/XXXX to pay off my credit card debt. Late fees had previously been accrued. I spoke to XXXX and reached a settlement payment of {$210.00}, which was my grand total to pay off the debt after late fees has been removed. I paid the {$210.00} with XXXX over the phone with my debit card. Months later, I started receiving calls, texts, and voicemails on a daily basis requesting that I pay my debt. My credit card was closed, so there was no possible way that I could accumulate any more debt. I answered a call from XXXX late XX/XX/XXXX to give them a friend reminder that the debt had been paid off in full last year, to which the representative acknowledged my payment of {$210.00}, said that I had a balance of around {$70.00} which had now reached $ XXXX due to late fees. Again, I said that XXXX and I reached a settlement payment of {$210.00} after late fees being removed. The representative requested that I be put on hold so that she can speak to a supervisor. 10-15 seconds later, she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company Kimball Tirey & John. whom is reporting a collection on my credit reports XXXX XXXX, XXXX, and XXXX is not removing this account in the amount of {$13000.00} i did not open this account the account was open fraudulently i reported this to the company i filed a police report and a FTC report and sent copies of the reports to this company they are refusing to remove this account from my credit report and are violating the fair credit reporting act. 

This negative account on my credit report is preventing me from getting a mortgage loan
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX received credit report alters from All 3 bureaus alerting me to a new collection tradeline. 

Upon further inspection, none of the reports contained any information other than : date of entry, name of collection agency ( XXXX, and dollar amount {$750.00}. 

I received nothing in the mail. No notice. No debt validation, or anything. 

Upon further review, this company tries to collect on out of statue debts, debts already paid, and debts they dont own.
Product: Debt collection

During sometime over 20 years ago while I was in my teen years, apparently someone retrieved my personal information. Whom ever this person was opened a credit card account by the name of XXXX using my personal information. I, XXXX XXXX never had any affiliation with XXXX nor did I apply for such account. Ive been in contact with Midland Funding the last couple of months numerous times expressing that this account was fraud and was never opened nor authorized by me. Ive also filed a dispute with the XXXX XXXX XXXX XXXX XXXX stating that this account was fraud and never opened by me.
Product: Mortgage

Beginning with my XXXX payment ( they bought loan in XXXX ), they stated I did not make the payment and I provided them with the proof of payment. They advised that the loan number was wrong, however, I copied it from the letter they sent. They also stated they would remove the late fee of {$49.00} which does not show to be removed as of this writing. I reported them to the XXXX  and they advised the XXXX  they removed the payment on XX/XX/2020. I spoke with a representative again shortly after I changed homeowners policies because my escrow went into the negative. The representative advised that since the tax disbursement ( which they paid 3 months late ) and the homeowners were recently paid, he stated that I would be able to catch the escrow " back up '' with no changes to my payment or account. On XX/XX/2020 they made 2 disbursement payments for {$140.00} and the history showed - {$140.00} insurance disbursement and then - {$140.00} escrow. If this was applied to escrow, why the negative notation? Also, 2 payments for the same amount on the same day, they couldn't explain. These disbursements were prior to changing my homeowners policy. Then on XX/XX/2020 the same : - {$140.00} insurance disbursement ; - {$140.00} escrow. The representative could not explain what these were or where the money was applied. Additionally, my payment went up {$110.00}, even after the last representative assured me it would not. Their website does not show where funds are applied or deducted just simple notations with no explanations. I have had to call regarding problems every month for the last 4 months.
Product: Credit reporting

I sent certified mail to transunion requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Transunion did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who transunion contacted. XXXX is not the form of verification that I requested by law transunion has to honor my method of verification request and they have not done so. This is a copy of what the results look like : Investigation Results Current File File Number XXXX Report Date XXXX/XXXX/2016 Dispute Open Date XXXX/XXXX/2016 Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Completion Date XXXX/XXXX/2016 Account information ITEM DESCRIPTION RESULTS XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX DELETED XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX XXXX INFORMATION XXXX XXXX # XXXX DELETED XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX XXXX NEW INFORMATION When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX now do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that transunion have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested.