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

I am filing this complaint against Experian for failing to conduct a reasonable investigation into my dispute, as required under the Fair Credit Reporting Act ( FCRA ). I submitted a dispute to Experian regarding inaccurate personal information, accounts with negative payment history, and unauthorized inquiries. However, instead of investigating the disputed items, Experian responded with a letter dated XX/XX/year>2025, stating : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' Experians refusal to investigate my dispute is a clear violation of my rights under the FCRA, which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently sued Experian for conducting sham investigations of consumer disputes ( Source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ ). Given this lawsuit and Experians documented failure to uphold its legal obligations, it appears my dispute was not properly investigated, violating my rights under the FCRA.
Product: Credit card or prepaid card

Money taken from checking with a fraudulent information. Open PayPal and transfer money to another person.
Product: Debt collection

Portfolio Recovery Associates continues to call me with different phone numbers harassing me to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received another correspondence from your Transunion dated XX/XX/2023, indicating that the investigation of my disputes was complete. As of date, Transunion and their nonaffiliated 3rd parties are still WILLFULLY violating the Gramm Leach Bliley Act pursuant to 15 USC 6802 by sharing my nonpublic personal information WITHOUT my lawful consent! To be clear, I NEVER requested an investigation because I NEVER GAVE Transunion or their nonaffiliated 3rd parties any lawful consent to share my nonpublic personal information! Transunion responded alleging that the accounts in reference in my statement letter attached to this complaint were verified but Transunion did not provide me a copy of the investigative consumer report as defined by Congress pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The FACT that pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ) no provision under the Fair Credit Reporting Act requires a financial institution to furnish negative information CONFIRMS that Transunion DEFAME MY CHARACTER AND RUINING MY REPUTATION! Due to defaming my character and ruining my reputation, I am not even allowed to open a bank account due to the bank telling me that I am high risk due to over 16 soft inquiries on my credit report. Let it be known that not only are you violating the Fair Credit Reporting act but also violating the Gramm Leach Bliley Act for infringing on my privacy and sharing my nonpublic personal information without my consent! I have already provided my FTC report with the inquires that Transunion needs to remove. And yet Transunion is still infringing on my privacy and sharing my nonpublic personal information without my consent! I am under a lot of pain and suffering, lack of sleep and have high anxiety due to stress that Transunion has put on me to the point that I have loss the enjoyment of life!
Product: Mortgage

My girlfriend and I live together and have XXXX children and a XXXX XXXX XXXX XXXX 

Our mother has moved in to help with the children. 

My job industry has taken a downfall and am not making as much as needed to consistently maintain my {$3200.00} mortgage payment at this time. 

Thank you
Product: Mortgage

This relates to my previous complaint number XXXX, to which the mortgage servicer ( SLS ) responded in pertinent part as follows : " SLS has investigated the matter and determined an error in the submission of funds to XXXX XXXX after disbursement. To ensure correction of the situation, as of XXXX XXXX, XXXX, we have issued a refund to you in the amount of {$140.00}, which includes principal and interest. Refunds to the escrow account in the amount of {$1900.00} and {$1800.00} have also been applied, less any balances in the escrow account. '' The refunds to my escrow account described in the response letter have not been made. I am still out {$1900.00} in property taxes that SLS failed to pay on my behalf as promised under the terms of my mortgage ( apparently due to an unspecified " error in submission of funds to XXXX XXXX after disbursement '' ), and associated penalties. After receiving the response, I spent the better part of a day speaking with various SLS representatives, none of whom was able to describe whether or when the escrow credits would occur and when or how those funds, once credited, would be disbursed to me to replenish the personal funds I depleted to pay the taxes SLS failed to pay on my behalf and associated penalties. At the conclusion of my final call, an SLS representative actually had the audacity to state that the best she could do for me was offer to open a research case, despite the fact that SLS ' response letter specifically indicated that they had already researched the issue ( over the course of a couple of months ) and concluded that credits were due to my escrow account.
Product: Credit reporting or other personal consumer reports

My equifax score dropped XXXX points overnight because of a fraudulent collection that I do not recognize and never belonged to me
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request your assistance in resolving a credit dispute that I initiated with the three major credit reporting agenciesTransUnion, XXXX, and XXXX XX/XX/year>. To date, I have not received a response from any of the agencies despite following up via email. 

The issue involves an incorrect late payment inquiry reflected in my credit report for the month of XX/XX/year>. This late payment was not accurate, as the actual overdue payment occurred in XX/XX/year>. I addressed this matter directly with my bank, and they confirmed the discrepancy. The bank also sent a correction letter to the credit reporting agencies, but no action has been taken, nor have I received any confirmation of resolution. 

I kindly ask for your intervention in this matter to ensure the late payment inquiry for May is removed from my credit report, as it is causing undue harm to my credit profile. I have attached the following supporting documents for your review : 1. A copy of the banks correction letter. 
2. Proof of my dispute submission to the credit bureaus on XX/XX/year>. 
3. Any other relevant correspondence or documentation. 

Please let me know if additional information is required. I trust that the CFPB can assist in ensuring this matter is resolved promptly and fairly. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. US Bank sent me the same response on both complaints that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX  but so far nothing has reflected on my report. I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from US Bank by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.
Product: Credit card or prepaid card

Home depot charged interest of {$100.00} in 1 mo. Mininum payment is {$60.00}. Lowered credit limit to tank credit score after paying off promo amounts regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hardship after I XXXX   from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX  to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2016 the Alaska   Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently realized that Equifax had not been up-to-date on reporting accurate information across other third-party monitoring agencies. Such as, XXXX XXXX, XXXX, credit check total, as well as their own website ; Equifax.com. I called Equifax on XX/XX/2019 and spoke with four different representatives for over an hour about missing data from my Equifax Credit Report, as well as the other two credit bureaus not being updated on the Equifax website. The four representatives that I spoke with lied and said that it had been added and they can see the XXXX XXXX account ending in XXXX. I informed them that my XXXX XXXX account had not been entered on the Equifax credit report. I let the representative know that I spoke with XXXX XXXX and they let me know that they sent an update to Equifax on XX/XX/2019. The representative made different excuses as to why It wasnt showing on the Equifax website. After speaking with all representatives, no one was able to help me and my Equifax account ia still showing inaccuracies and not reporting Updated information. I have attached documentation that corroborates my story. This seems to be an ongoing issue with the bureau Equifax. There are Thousands of people complaining online about how Equifax has failed to update their credit report in months. They are charging people for monthly credit score services with misinformation on it.
Product: Credit card or prepaid card

X/X/2017 Attempted to login to CapitalOne website to pay my bill. They re-vamped their website and asked me to verify some additional information such as home phone, work phone, cell phone and e-mail address. I 'm ok with that. Scrolling down, they now wanted an update on my yearly income and my employment status. The following is a copy/paste directly from their login screen : We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. Total Annual Income* $ *Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. Employment Status I called Capital One and complained because I 'm an existing customer for over 30 years and all I wanted to do was pay my bill online. They told me this was FEDERAL LAW and I had to update this information in order to pay my bill online. I escalated to several " supervisors '', but it 's like talking to a wall reading from a script. I have no interest in a credit increase and absolutely no desire to allow them to manage my account. I manage my own account. If I had requested a credit increase or some other product, I could see that they would ask me for this type of information, however, I have not requested anything. I JUST WANT TO PAY MY BILL ONLINE WITHOUT GIVING THIS TYPE OF PERSONAL INFORMATION. THIS IS A VIOLATION OF MY PRIVACY. I have never been late with a payment and usually pay them over the minimum due. Their resolution to the problem was for me to enter inaccurate information, like {$0.00} for income and Unemployed or whatever other reason I choose. This would allow me to bypass the screen and continue on to pay my bill. This makes absolutely no sense. Would Federal Law allow you to lie about your income and employment status? This is some sort of phishing scam direct from Capital One. NONE of my other creditors have asked for this type of information when paying my bills online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED 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 XXXX 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.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 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

Despite my numerous efforts, the issue of fraudulent, inaccurate, and misleading information on my credit report remains unresolved. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Checking or savings account

I did not talk to any one to close My savings account. My savings account is closed and I did not let authorize any one to close or say yes to close My savings account.
Product: Debt collection

XXXX, XXXX, XXXX, XXXX - 5 Telephone calls per day to my personal cell phone from this number XXXX. 

I do NOT owe any outstanding debt to ANY cash advance institutions or bank. 

Caller claims to be work for XXXX  XXXX. Threatening to have the police at my home if I do not make a full payment by the end of the day. 

XXXX - 3 Telephone calls per day to my immediate family members asking for personal information - Mother XXXX and XXXX - Threatened me with jail time if payment is not made.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 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 card

About 6 weeks ago ( about XX/XX/XXXX ), I got a letter from a XXXX XXXX XXXX stated that I opened a PayPal credit card account in XXXX. I currently have a balance. I called PayPal and I was directed to Sychrony bank. I was told that the matter had investigated, and the result was someone else opened the account. I was told I owe nothing. I was told that I would not be worried about the letter from XXXX XXXX XXXX because Synchrony bank already sent a notification to the XXXX XXXX XXXX. 

XX/XX/XXXX, I got a letter stated that I was sued by XXXX XXXX XXXX. I called Synchrony bank again, and I still get the same answer as before that someone else opened the account ( not me ). I asked the bank to send me a letter that confirms me I am not the one who opened the account. 

I got the mentioned letter written on XX/XX/XXXX. I am also advised by the bank that I need to report the fraud to all related governments and agencies to prevent this from happening. That is why I am doing it now. 

the court date is XX/XX/XXXX. Today is XX/XX/XXXX. I will have to attend the XXXX XXXX court, and I will bring the letter with me and hope that the case will be dismissed on my favor.
Product: Mortgage

I paid them TONS OF MONEY TONS! OVER THE YRS AND IN XXXX ARE XXXX I PAID XXXX TO KEEP MY HOME FROM SHERIFF SALE I DID A MOD AND MY NOTE IS HIGH AS EVER!!! 
AND THEY ARE TELLING ME I HAVE TO XXXX A MONTH FOR TAXES AND INS WHICH IS XXXX A YR AND MY HOME INDLS IS XXXX A YR AND MY TAXES ARE XXXX A YR! SO EXPLAIN THAT
Product: Debt collection

I am writing to formally dispute the debt reported by Jefferson Capital Systems on my credit. This debt does not belong to me, and I am requesting that you provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. According to the information on my credit report, this account was allegedly opened on XX/XX/year>, with a balance of {$340.00} originating from XXXX. However, I have no record of any outstanding debt with XXXX or Jefferson Capital Systems, and I believe this account may have been reported in error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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 : Acct # ending XXXX, XXXX : Acct # ending 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. 

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receipt of my recent credit reports from Transunion, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, Transunion, and XXXX Credit Reports.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/18 I went to my ATM to withdraw funds. It read insufficient funds. Got on my computer and pulled my bank statement and noticed that PAY PAL had debited my account for {$510.00} and {$600.00}. I DO NOT HAVE AN ACCOUNT WITH THEM. I call Pay Pal immediately to report the fraud. A representative ( XXXX ) saw the transactions and said they were indeed fraud and froze the account of the person where the money went. Originally he was to able stop 1 transaction, however both have gone through. They claim it will take 15 business day for the money be returned. I claim it was there mistake and I do not have a account with them. Attempting to contact to escalate is impossible ( XXXX ) My bank XXXX XXXX is attempting to help, however they also hit road blocks. How does Pay Pal breach my account and grab my money?