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

I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 
Details : Failure to Investigate Disputes : On [ insert date ], I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the XXXX timeframe mandated by the FCRA. 
This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.
Product: Debt collection

TransUnion Reporting Agency is Reporting False and Misleading Credit information on my credit report this is a direct violation of U.S.C. 15 1681. There are 3 accounts that are reporting False and inaccurate information to my credit report. the accounts in this matter is as follows : * XXXX Violating 15 U.S.C 15 1692d and Violating 15 U.S.C 1692E and also Violation of Regulation F 100.14 and Regulation 1006.34 and Violation 15 U.S.C 1692f. This account is now involved in litigation documents attached.

* XXXX XXXX - Violation 15 U.S.C 1692E and Violation 15 U.S.C 1692G and Violation Regulation F 100.14 and Regulation F 1006.34.this account is also now involved in litigation documents attached.

* XXXX XXXX- Violation 15.U.S.C 1692E. This company is falsely reporting 4x on my credit report 2x as positive which is accurate but then its also reporting 2x Negative which is inaccurate I have reached out to the empire finance in this matter and they have stated that this is inaccurate and it should not been any accounts on my report reporting negatively and that they have an glitch within they system I am demanding that these accounts that they are removed from my credit report immediately it is damaging and effecting my credit score and if this matter is not corrected this account will also be involved in litigation for damages and fraud reporting there should be only one car which is paid off on my report from XXXX XXXX and an accurate account which is a joint account on a car which I co-signed on which is also current only two with XXXX XXXX is accurate.
Product: Debt collection

I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the numerous written requests, the inaccurate account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to be removed : MODERN FINANCE CORP - XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX XXXX My phone number is ( XXXX ) XXXX My email is XXXX What happens was I bought shoes from a website called XXXX the shoes are XXXX XXXX XXXX XXXX cement. It turns out they are not real XXXX like advertised, and the website doesnt exist anymore I paid {$180.00} for the shoes when they arrived they looked nothing like their website, besides them be faking. I than tried reaching out to the merchant because the shoes were also defective, they didnt want to refund me my money, so I called my bank and filed a claim, i bank with Chase JP Morgan XXXX and the claim was filed XX/XX/2022 and it is currently XX/XX/2022 and the first day I called and made the claim about the fraud with the shoes, the first person I spoke to, told me that they would send mail to my address addressing to where to take the shoes to check authenticity of the shoes, I waited almost XXXXwo weeks and called again on XX/XX/2022 and the second person I talk to was suppose to write details of the shoes and the claim because the first person I spoke to didnt, and I let them know its been a two weeks, and i havent received any mail from the first call regarding the authenticity of the shoes to support my claim, I still havent received any mail on updating my claim as well from chase, like they stated they would and I believed the second person would write those details, turns out a week passes and I called chase customer service XXXX department XXXX XXXX XX/XX/2022 to get an update, the third person tells me there has been no details added since the second person, that said they would due to the first person that didnt enter the details that I provided about the shoes and the claim. They stated they would but never did and sinstead closed my claim on the XX/XX/2022, the third persons also let me know that chase doesnt send mail to direct you to where to take the shoes for authenticity, like the first person stated. Instead she said I have to take the shoes to any XXXX store that would check authenticity, no stores where willing to help me provided that information for my bank since I didnt buy the shoes from them. They tried closing my claim without ever updating me or letting me know, and the second person I talked never wrote down the details I provided for the claims and the shoes, and they also gave me information that was not entirely helpful or even a resource used by them, they all seemed uninformed, and didnt know what too, and never updated me, unless I called them. Today is XX/XX/2022, I called because they declined my claim after repeatedly getting pushed over, mislead and lied to by three different people from their claims department. The Supervisor XXXX from the claims department from chase there phone number XXXX I called at XXXX she was extremely rude and instead refused to listen to my concerns and kept blaming me and hung up the call. Overall they closed my claim while never providing information and misleading me, I felt they were just trying to kill time till the claim closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or notic e of foreclosure. However, my credit report shows I 'm delinquent.
Product: Mortgage

Hello! 

Im seeking help from you please. Since I closed on my home on XX/XX/2021, my account has had 4 servicers. Its now starting to create chaos. My account started with XXXX XXXX XXXX XXXX. The latest servicer to receive my account is PHH Mortgage Services. I know nothing about the different servicers, but this one has taken over and is not making the process smooth. Each time Ive been notified that my servicer is changing by mail. Usually within 2 weeks - 30 days of the switch. I dont select the servicers. Its bad business to put a customer through so many changes, especially with a servicer we didnt pick. 

PHH Mortgage Services has taken over - and out of no where- claimed an Escrow shortage of over {$600.00}. Ive paid my mortgage statements monthly to the other servicers without shortages. PHH Mortgage Services is demanding that I pay their claimed amount, but wont give me a cost breakdown of where the shortages are coming from. Theyve added the shortage to my mortgage statement to pay again with no written explanation of whats short. Did the previous servicer not bill me correctly on property taxes, property insurance, etc? I doubt it because there wasnt that much change for any line items. The servicer is also demanding changes and records that no other servicer has had. Its a nightmare. Again, Im not sure who PHH Mortgage Services is, but this has been a very time consuming, unprofessional and unpleasant customer experience. This is the only time I am really wanting my servicer to be changed. To a more organized servicer. Help to get my account and escrow fixed by a mediator is greatly needed please. Thank you.
Product: Credit reporting or other personal consumer reports

Capital One has access to my reports without authorization. Theyte updating fraudulently with information that's not accurate and it's effecting my score by dropping over XXXX points. The contact information they have on me is inaccurate and the account where payments were made is closed. 
My correct phone number is ( XXXX ) XXXX. 
Email : XXXX Mailing : XXXX XXXX XXXX XXXX XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item on my Equifax file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as ofXX/XX/XXXX ( Account number listed XXXX ) After disputing the item, Equifax changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either Equifax or on XXXX XXXX XXXX. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018I pulled a copy of my Equifax Credit Report through XXXX. Upon reviewing it I noticed that there were several hard inquiries listed that I did not recall authorizing. Given the recent data breach issues that have taken place with both Equifax and XXXX I began to suspect that someone had obtained my personal information and attempted to apply for credit using it so I contacted Equifax to dispute these inquiries. The customer service representative I spoke with was very polite and immediately filed disputes for each of the hard inquiries I indicated I had not authorized. After filing the disputes the representative informed me that it could take up to 30 days for the disputes to be reviewed and researched so it could take up to 30 days before I would hear back about the results which I understood. As of todays date, XX/XX/2018, I still have not received any information regarding he results of my dispute. I have not received a letter in the mail, an email, or a phone call, and it has been well over 30 days. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. That fact that I have not received any further communication from the CRA regarding my disputes one can assume there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit negatively impacts my credit profile and score which in turn makes it difficult to obtain a mortgage. I am submitting this complaint due to a lack of investigation AND response to my original dispute for hard inquires that I did not authorize as this is unfair practices by a credit reporting agency with no concern for the credit worthiness of its consumers.
Product: Credit reporting or other personal consumer reports

This morning, I found errors in my credit report that I can not explain. I check my report regularly, but this time, I noticed unfamiliar discrepancies. Hoping it was just a glitch, I refreshed my browser, but the inaccuracies remained. Due to this, I request that my submitted documents be carefully examined so that I can put this issue to rest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$920.00} that appears related to the aforementioned personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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.
Product: Credit card

I made two payments using a check from another bank ( XXXX ) to pay my balance down as XXXX was offering me a 0 % transfer. I accurately submitted the checking ( from XXXX ) information online into Synchrony 's web site. Unbeknownst to me Synchrony attempted to process the payment ( s ) as cash advances. XXXX rejected the transfer as this was not the intended purpose. I continued to make payments with my normal checking account as I had recurring payments set up so despite the 2 rejected payments I never missed a payment or was late. From my conversation with XXXX this was a clerical error on Synchrony 's end. Despite this Synchrony cancelled my account and referenced " dishonored payments '' for the reason.
Product: Mortgage

ocwen hasnt updated my credit report since 2012. i 've contacted them several times and they give me the run around much like when they fraudulently foreclosed on me in 2012.ive asked them also what house was sold for on foreclosure they will not tell me nor was a deed of trust filed with the county it was sold in. they bounce me around to XXXX and back to them and i get no where. im trying to get approved for a home loan and this is my hang up says my mortgage officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD compliant with this company!!!! The agent whom is responding does not answer her phone and her voice mail is full. Her response of " Sequium Asset Solutions , LLC is a collection agency representing XXXX in association with a collection claim on a defaulted account XXXX XXXX is listed as the responsible party and all communication from our offices has been regards to account XXXX. Per your complaint, the account has been closed as cease and desist. You will receive no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' DOES NOT FIX THE PROBLEM! They are refusing to REMOVE the account from my credit although they have admitted it is not valid, agreed to close it and agreed to cease collection. The problem is the account is appearing on my credit and is hindering me from obtaining a mortgage. REMOVE the account from all three credit bureaus urgently.
Product: Credit card or prepaid card

I have been trying for days to get in touch with Citi Card 's customer support with no success. All I need is for them to remove an authoried user - a request which they REQUIRE you to call customer service for, it can not be done online or through their app. 

It is a simple request, but has taken days ; last night I fell asleep waiting for them to finally answer. By the time an associate was available ( 3 hours later ) I had already fallen asleep because it took so long.

It is literally impossible to get in touch with a live human being at Citi Cards right now, even though they require me to for this type of request.
Product: Credit reporting

I disputed items off my credit and enailed Equifax and received this : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 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 ACCEPTANCE NOW I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the reporting of an account by CAPITAL ONE BANK USA XXXXn my credit report, which I believe is inaccurate. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am requesting the immediate removal of this account from my credit report. On [ XX/XX/year>, I sent a written request to CAPITAL ONE BANK USA requesting that they cease all communications with me regarding the alleged debt. This written request was made pursuant to 15 USC 1692c ( c ), which clearly states that a debt collector must cease communication with a consumer once a request is made in writing to do so, except in certain circumstances ( such as to notify the consumer of legal actions being taken ). Since I have exercised my right to request that CAPITAL ONE BANK USA cease communication, I believe that the continued reporting of this account on my credit report is in violation of the law. As a result, I respectfully request that the CFPB investigate this matter and assist in removing this account from my credit file. I would greatly appreciate your prompt attention to this matter. Please confirm in writing that this dispute has been received and is under investigation. If you require any further documentation or information from me, do not hesitate to contact me. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have personally and on several businesses been using Wells Fargo Banking for over 30yrs without flaw and through businesses up to XXXX per year. I have received a notice on XX/XX/XXXX that ALL of my accounts are being closed without notice due to a " reviewed account relationship and a connection with Banks responsibilities to manage risks ''. I have 2 LLC 's and a personal and all funds will be frozen on XX/XX/XXXX. I have never written a bad check nor have deposited bad checks in the entire 30+ years. And just like that I am being targeted. What is the REAL REASON Wells Fargo? Are you next in line of bank failures?
Product: Debt collection

XXXX I got a text message that I owed on a debt collection that I have been paying on. They told me that I missed XXXX payments on XXXX, XXXX, XXXX XXXX XXXX. This is the XXXX  I have heard of it. I got a letter in XXXX XXXX XXXX that said if I didnt make a payment by this date my agreement would be turned off. I made a payment thinking I forget and havent heard anything since. Today I get a text message saying that I need to back the XXXX months. Why did they wait XXXX  months to tell me I missed payments? I thought it was taken care of.