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

Experian Legal Department XXXX XXXX XXXX XXXX, -TX XXXX Date : XX/XX/year> NOT A Dispute Immediate Legal Notice Re : Immediate Settlement Demand for FCRA Violations - {$10000.00} To Whom It May Concern, I am writing to formally demand {$10000.00} in settlement for the willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) committed by Experian. These violations are a direct result of your failure to comply with federal law, which has caused severe and irreparable harm to my financial reputation and overall well-being. 

Despite my efforts to dispute the inaccurate information on my credit report, Experian 's failure to properly investigate, correct, and update the information has led to significant financial consequences. Your actions, including the continued reporting of misleading and erroneous data, have impacted my ability to obtain credit, resulted in denied loans, higher interest rates, and emotional distress.

Experians violations include : Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : You have repeatedly reported inaccurate and outdated information without taking reasonable steps to verify its accuracy.

Failure to Conduct a Reasonable Investigation of Disputes ( 15 U.S.C. 1681i ( a ) ) : Your investigations into my disputes have been superficial and insufficient, failing to rectify the errors despite clear evidence of their inaccuracy.

Failure to Notify Furnishers of Disputes ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : You have failed to notify the furnishers of the disputed information, a direct violation of your obligations under the law.

Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Even after the dispute was resolved, the inaccurate information remained on my credit report, causing further damage.

In addition to these violations, it is important to note the recent CFPB lawsuit filed against Experian for similar failures to comply with federal consumer protection laws. This lawsuit, along with your consistent history of noncompliance, demonstrates a willful disregard for consumer rights, and examine your systemic failure to abide by FCRA regulations. 

I demand that Experian pay me {$10000.00} for the harm caused by your actions, which include reputational damage, financial losses, and emotional distress. If this matter is not resolved within 10 business days, I will pursue legal action, which will include seeking damages, attorney fees, and any further statutory penalties available under the law. I am prepared to escalate this matter to the appropriate authorities and courts, if necessary. 

This is your final opportunity to settle this dispute and avoid litigation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX accurately reported and reflected my updated XXXX XXXXXXXX Bankruptcy as discharged yesterday and TransUnion did not. This is the typical behavior of TransUnion apparently. 

Would you please address?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2022 inquiry on my credit file I have not applied for anything with company. This inquiry is unauthorized. Please remove from credit profile and or delete from credit report
Product: Vehicle loan or lease

Loan Balance was paid off in full during the Month of XX/XX/XXXX, for remaining balance of original loan of vehicle which was considered a total loss in XXXX. Made several significantly large payment during XXXX in an effort to pay off balance owed after money received from insurance company. Santander reported a delinquent payment in the month of XX/XX/XXXX, one month before this account was paid in full which is drastically affecting my credit ratings at this time and was not appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$14000.00} XXXX XXXX {$3700.00} Open balance {$320.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Reported balance Credit limit {$4000.00} XXXX  Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} 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
Product: Debt collection

US DEPARTMENT OF EDUCATION continues to ignore all proof of claims regarding a dispute for over 3 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Product: Credit reporting or other personal consumer reports

This account is being reported inaccurately and must be removed. According to 15 U.S. Code 1692c, my rights have been violated due to unlawful and unauthorized communications by the reporting party. I have not given consent to be contacted in the manner in which communication was conducted, and such contact constitutes a violation of federal law. Furthermore, I request validation of this debt, as required by the FDCPA, and until such validation is properly provided, this account must not be reported. I am formally requesting that this account be deleted from my credit report immediately due to noncompliance with federal statutes and failure to follow proper dispute and validation procedures. Please conduct a thorough investigation and remove this account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1661 Section 602 A State I have the right to privacy.

15 U.S.C. 1661 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer has contacted the reporting agencies and creditor multiple times about this violation. XXXX XXXX XXXX XXXX has reported late payments an transaction on my consumer report without being authorized by me the consumer. As stated in 15 u.s.c 1681 ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As you see a late payment will be considered as a transaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized .... the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.
Product: Credit reporting

About 2-3 years ago I attempted to trade in my car at a dealer. The financial manager told me my social security number was invalid. He entered it multiple times. I have since tried applying for other credit related loans and they all result in an invalid entry. When contacting Equifax , they send a report using my SSN, but my name was not even associated with my number. It also said invalid. I have contacted an attorney, who is clueless. I have contacted the social security administration which have checked all of my paperwork since birth that is normal. So, I 'm needing to know why this has happened. I need to be able to build and use my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed that there were charges on my XXXX credit and debit card totaling XXXX and XXXX from a gym membership in XXXX XXXX that never went through ( I live in WA ) all made on XX/XX/XXXX or XX/XX/XXXX. My Capital One credit card was charged totaling XXXX all made on XX/XX/XXXX or XX/XX/XXXX. I looked into it further and realized that my wallet was stolen. I submitted a police report as well as an incident report to my apartment complex. Then over the next few days I contacted both credit unions and said my cards were stolen and filed for fraud - online through XXXX and over the phone through Capital One. 
I received new one tap versions of my old cards and had to call again for actual new cards. 

By XX/XX/XXXX XXXX had credited me back the XXXX and it was over and done with and everything was settled with XXXX. 

Capital One credited me back the XXXX and started an investigation. However, on XX/XX/XXXX I received a letter from Capital One stating that they had found no indications of fraud and would be charging my account the full XXXX. I called them on I think XX/XX/XXXX and was taken to their Credit Fraud team and was told that they could not help me as they werent the actual team that investigates the fraud, but that they would contact the team on my behalf and that I should wait, and so I did. I waited a week and when there was no correspondence from them and the charges were still on my account I called on XX/XX/XXXX I believe and got transferred to their fraud team again. This time they told me that I needed to submit more evidence that it was not me making those purchases and once I did they would look to reopening the investigation. So they sent me a link and I submitted the apartment incident report and police report ( they have not gotten back to me ) as well as the charge from my XXXX account from XXXX XXXX and then I waited again. After another week there is still no correspondence from them and the charges are still on my account. I call them AGAIN on XX/XX/XXXX and this time the fraud team transfers me to a manager. I explain my situation and she looks at the notes and tells me everything I already know and heard. I tell that I already submitted more evidence and she seemed surprised by this, as if no one had even looked at my evidence and just left me hanging. She tells me that I have to wait another 7-10 days for them to send me a letter and that they would investigate further, even though they should have when I submitted the evidence. Now I have to wait another week to try and resolve everything and make it so I dont have to be charged for money stolen from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt was paid to the orginally creditor in total on XX/XX/XXXX. 

Since around the end of XXXX I have received phone calls from XXXX XXXX XXXX  and the debt is showing up on my credit. It has been re-aged and even after having it removed by the credit bureau after showing proof of payment from XXXX, it has been put back on my credit again.
Product: Mortgage

In XXXX, I refinanced my mortgage. In XXXX, I owed a payment to XXXX XXXX. I mailed that payment but XXXX XXXX applied it to the wrong account somehow. In XXXX my loan was sold to XXXX XXXX. I sent them a check in the mail and they sent correspondence saying that I still owed a payment. The XXXX payment to XXXX XXXX and the XXXX payment to XXXX  XXXX both cleared my bank. At that point loan care said that they wire transferred the payment to XXXX XXXX. I had written confirmation on XX/XX/XXXX that the payment was transferred. In XXXX, my loan was sold again and this time to XXXX XXXX XXXX. XXXXXXXX XXXX  reported that one payment was still missing and it was reported to my credit report so I sent them a double payment in the month of XXXX. Despite numerous emails back-and-forth and many hours on the phone, none of these three companies is crediting me for that payment. 

My name is XXXX XXXX and my phone number is XXXX. Please help!
Product: Consumer Loan

I Had accident the XXXX denied my claim but I was tryna arranged payments with dealer they close yo account has repossession
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPT ED XXXX Balance XXXX XXXX XXXX US DEPT ED XXXX Balance XXXX XXXX XXXX US DEPT ED XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Not a single company has responded. So I reached out to Experian, XXXX, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though XXXX on the XXXX of each of those months, and I have yet to have a formal Response Via XXXX as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted. 


( A ) In general if, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

In XX/XX/XXXX, I paid for a credit check and completed an application to rent a unit at an apartment complex XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from a leasing agent, XXXX XXXX, telling me that I would need to come in by Monday to pay a deposit and sign the lease in order to secure an apartment. I spoke to XXXX the following week after receiving another call from her and explained to her that their apartment complex would not be a good fit for me. 
I never heard from them again through any method. 
A week ago I took out a personal loan and an XXXX loan in which my interest rate was extremely high. I didnt understand why being that Ive had no late payments or collections in over 18 years. 
Today I was looking over my credit report and found that XXXX XXXX XXXX XXXX XXXX  has placed a collection on my credit report for {$150.00} through a company called Pro Collect that was opened XX/XX/XXXX. 
They have never spoken to or mailed me any correspondence about having incurred this debt. Especially since I signed no lease, there is no reason to lead me to be aware of existing debt that was not prepaid ( such as the credit check which I paid during the application process ). They did not notify me of any existing charges that they believe I owed to them. Had I known about it, I would have had the opportunity to question why I was being charged without a signed rental agreement and also make the payment if valid. Instead, my credit has been stained and resulted in a high interest loan. Again, there were 2 loans that have been taken out since this collection was placed on my credit both accounts in XXXX of XXXX. 
The rate is more than 10 % higher for one account and 15 % higher for the other, than my other loans of the same type.

I should not have to be financially responsible for errors on debt records, notification, or reporting of either company. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the 2nd complaint closed by experian today and once again experian stole NOW 18 months of on time never late payments to XXXX and refuse to give them back and once again sends a explanation that has absolutely nothing to do with the issue
Product: Money transfer, virtual currency, or money service

I would like to be reimburse for any transactions report to CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a natural person submitting this dispute. This dispute is not being submitted by a third party. I submitted a dispute letter to Transunion because they have violated my consumer right to privacy according to the law 15 USC 1681e ( b ) regarding a bankruptcy on file. I submitted a letter addressed from the United States Court that stated that do not report data to the credit bureaus or any third party agencies. Transunion has ignored my efforts to remove this information from my credit file. Transunion is receiving their information from a third party company and has failed to do their due diligence to make sure my credit report is 100 percent accurate not negating the fact that they have completely violated my consumer rights to privacy being that XXXX and the United states courts do not verify information and it is the responsibility of the credit bureaus to make sure the information they publish on my credit report is100 percent accurate. simply matching a name and part of a social is not verifying information and doing their due diligence..
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an unrecognized inquiry on my credit report, which I believe was made without my authorization. According to my recent credit report, I noticed a hard/soft inquiry that I do not recognize, nor did I consent to. This inquiry is having a negative impact on my credit report and needs to be removed immediately. 

Inquiry Details : Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX XXXX ( Finance ) Inquiry Type : Hard Inquiry Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am entitled to request the removal of inaccurate or unauthorized information from my credit report. I am hereby requesting that you investigate and remove this unrecognized inquiry within 7 business days or less. If the inquiry is found to be unauthorized or inaccurate, I expect that it will be removed from my credit report without delay. 

I also request that you send me written confirmation of your investigation results and any actions taken, as required by law. If you are unable to remove the inquiry within the stipulated time frame, I expect a detailed explanation as to why the inquiry can not be removed. 

Please treat this matter with urgency and respond to me within the 7-business-day timeframe as specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. Should you require any additional information or documentation to resolve this issue, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have an existing conventional home mortgage with Wells Fargo Home Mortgage, which has improperly applied my payments to pay down principal instead of for monthly payments. 

Five electronic cash transfers were sent to Wells Fargo for an existing mortgage that should have been applied to a monthly payment cycle ( principal+interest+escrow for tax and insurance ). The payments were correctly made using a Wells Fargo-branded payment module to the mortgage account. 

Wells Fargo mis-applied the cash transfers and applied them entirely to pay down principal and demanded additional payments to become current again on the normal monthly payments. Calls to Wells Fargo resulted in incorrect explanations and demands for additional payments. It took 11 months, false explanations, and countless calls to figure out what actually happened, at which point Wells Fargo would only reverse principal payments from the last 90 days, which covered a small fraction of the funds involved. Wells Fargo 's own incompetence led to the delays and the mis-applied funds going beyond the 90-day window. 

In summary, Wells Fargo took in funds and mis-applied them without permission, then demanded additional payments and delayed action until they claimed they could no longer reverse the older payments. I never stipulated that the funds should be used to pay down the principal and Wells Fargo refuses to refund or credit the payments towards normal monthly payments. I have been forced to make additional payments but am now in default. 

The payments are each for {$1600.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$8100.00}.