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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Credit Dispute Regarding Improper Investigation and Request for Removal of Inaccurate Derogatory Trade Lines Dear Experian Dispute Team, I am writing to formally dispute multiple inaccuracies on my credit report and to express serious concerns regarding Experian 's failure to conduct proper investigations of my past disputes. I am aware of the recent CFPB complaint against Experian ( filed in XX/XX/year> ), which highlights systemic deficiencies in the handling of consumer credit disputes, including : Failure to conduct adequate investigations when consumers report inaccuracies. 
Re-insertion of previously removed inaccurate information without providing proper notifications. 
Automated processes that result in cursory reviews rather than thorough investigations of dispute claims. 
Based on these allegations and my personal experience, I am requesting immediate corrective action for the following : Inadequate Dispute Investigations : Despite previous dispute submissions, Experian has failed to properly investigate or provide clear resolutions regarding inaccurate information on my credit report. This has significantly affected my financial standing and access to credit. 

Derogatory XXXX XXXX  : I am not a primary account holder on certain derogatory trade lines, and they should therefore be removed from my credit report immediately. These include : XXXX XXXX  XXXX XXXX XXXX XXXX with FCRA Requirements : Pursuant to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct thorough investigations and ensure accurate credit reporting. I expect a comprehensive review and removal of any inaccurate or unverifiable information on my report. 

Notification of Re-Insertions : If any previously removed derogatory information has been re-inserted, I demand immediate notification as required under the FCRA, along with documentation supporting its accuracy. 

Given the CFPB 's findings and my ongoing concerns, I am requesting that Experian : Remove all inaccurate derogatory trade lines where I am not the primary account holder. 
Provide a full and documented review of previous disputes, along with outcomes and supporting evidence. 
Ensure compliance with proper investigative procedures as outlined by federal regulations. 
Please respond to this dispute within the legally required timeframe and provide confirmation once the corrections have been made. Failure to properly address this matter will leave me with no option but to escalate the issue further. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Long story short, I closed my account with US bank in XXXX of 2022. I did receive a check which I tried to use to open a new bank account. XXXX XXXX denied the check saying it was no good and I never received the check or letter they claimed to have sent me back. They said I need to go through US bank to get a new check reissued. I had spoken to someone at US Bank in early XXXX, who checked to see if the check had been cashed and it hadn't. I was told that same day that they had someone looking into it to reissue me a new check. I was on the phone for over 30 min figuring this out. It's 2 months now since I was told I would get a check in the mail within 7-10 business days. I would like a check reissued in the initial amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I completed a refinance loan with Network Capital Funding ( NCF ) located in XXXX, CA and signed the closing documents on or about XXXX XXXX, 2020. When the deeds were filed, I discovered on or about XXXX XXXX, 2020, after I received my recorded copies of the deeds that one of the deeds had an attachment that included my Social security number which is now public records. I dealt with XXXX XXXX, the loan processor ; XXXX XXXX, the sales agent ; XXXX XXXX, the Sr. loan processor ; and more recently XXXX XXXX with XXXX XXXX ( who NCF assigned to process the paperwork ) in an attempt to get my personal info removed from the public records. They all seem to agree that the document which contains my personal info should not have been filed. I'm totally stressed out about this mishap as I could be seriously harmed by identity theft or some other nefarious circumstance. I strongly feel that the response I've gotten from both Network Capital and XXXX XXXX has been extremely lacking given the these circumstances.
Product: Debt collection

XXXX company provided service and it was financed thru XXXX XXXX. XXXX company was paid and I paid off XXXX XXXX. XXXX year later a debt collector is trying to collect for XXXX company. Not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, Experian, XXXX and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized. I was charged feed due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 months ago I sent a dispute letter for these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has locked me out from accessing their credit reporting services on their web site. I have been locked out for over 15 years after Transunion claimed there was a fraudulent attempt to access my credit report. I can not use the Transunion web site to access my own credit report or manage freezes on my credit report. I have spoken to Transunion 's support team on several occasions, most recently on XX/XX/2021, and they offer no process to restore my access. They claim that " laws must change '' before they can restore access to my account. I'm trying to buy a house and I need to lift my credit report freeze in place at Transunion to qualify for a mortgage. Transunion only offers access to a cumbersome phone system for managing credit reports that has limited operating hours, or they ask for requests to be mailed to them. 

Transunion needs to provide a process for consumers to restore access to locked accounts.
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 USC consumer rights to privacy and confidentiality under 15 1618 Account Name : 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 15 U.S.C 1681 Section 604 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an 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 information, other than records of convictions and crimes which antedates the report by 7 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 they are providing is not accurate.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation, I would like these items re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, public law 91-506 Title VI, section 611 15 USC 1681, please PROVIDE ME WITH THE NAMES AND BUSINESS ADDRESS of each individual with whom you verified the info above so I can follow up with them..
Product: Debt collection

In XX/XX/XXXX, i discovered that XXXX, also known as XXXX XXXX, was raising my rates. Upon discovering this, I decided to switch from XXXX XXXX XXXX XXXX XXXX. I ordered XXXX XXXX XXXX the start of XXXX, XXXX, and contacted XXXX via telephone and disconnected my services. I lived in an apartment- i could not have both services at the same time as they both utilized the same port for services. Around the end of XXXX, XXXX, i received an email from XXXX stating that my bill was past due. I contacted XXXX and was told that my disconnection request had not been processed, to which the agent processed it at that time. I was then told i was still responsible for the full amount of the bill as they do not prorate services. I informed the agent that my services were " repay '' and that, at the time they charged me for services, i was with XXXX XXXX XXXX i was not paying for two internet providers when only one was providing services. 

Fast forward to XXXX, when i submitted the complaint to the XXXX, XXXX, aka XXXX pretended to contact me in regards to my complaint and never followed through. They called me once. At their request, i replied back and called XXXXXXXX XXXX XXXX XXXX and left her MULTIPLE messages to contact me back, to which she never did, to both her voicemail and through multiple customer support agents. I also sent her an email.
Product: Debt collection

I am formally disputing a collection account Portfolio Recovery Associates , LLC ( XXXX ) reported to XXXX. XXXX failed to validate this alleged debt as required by the FDCPA. XXXX violated both the FDCPA and FCRA. 

XXXX failed to cease collection activities without proper validation of the alleged debt, violating 15 U.S.C. 1692g ( b ). Despite previously writing XXXX twice ( a copy of the return receipt for the second letter -- dated XXXX XXXXXXXX XXXX  -- is attached ) to dispute this alleged debt, they reported it to XXXX. 

By reporting this alleged debt to XXXX, without marking it as disputed, XXXX engaged in false and misleading representations, a violation of 15 U.S.C. 1692e ( 8 ). 

XXXX failed to provide a debt validation notice, which proper documentation, as required by 15 U.S.C. 1692g ( a ). The law requires this information to be provided within five days of initial communication. 

By reporting unvalidated and inaccurate information to XXXX, XXXX also violated its obligations under FCRA 15 U.S.C. 1681s-2 ( a ). XXXX is required to provide accurate and complete information to credit reporting agencies.
Product: Student loan

Navient has been extreme ly difficult to work with. My husband is a   XXXX   XXXX    and  the program takes  five y ears. During this time money is VERY limited. He has been  XXXX  on my family and I to try and make these payments. We are trying ! Navient  has NOT been willing to help us I any way. In the meantime they are hitting my credit every time I turn around. It 's not fair and needs to be fixed! I have explained to them that I will be done with   XXXX    XXXX   XXXX   in  XXXX     2017 an d at that time can begin regular payments. I feel like I have been charged additional interest and fees that need to be fixed. We are supposed to be on a rate reduction plan but every time we turn around they are telling us that we are no longer on the plan and calling us every single d ay three tim es a day and charging us more in interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be wrong activity. 
Please see attached all backup information : Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report that are reporting twice on my credit report. Credit Agencys such as credit XXXX and XXXX showing inaccurate information on my XXXX account. This information needs to be addressed and removed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Product: Credit reporting or other personal consumer reports

I am victim of ID Theft, while I was away at XXXX my XXXX XXXX was broken into, all personal things were taken, ie : wallet, bank statement and tax information. I reported the issue to my XXXX  and XXXX police. i was advised to file a formal complaint. I pulled my credit report and noticed several items on my credit profile I did not authorized or applied for. I have contacted Trans Union, XXXX, and XXXX several times. And have not helped me resolve the problem. I request the following account to be deleted. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX opened : XXXX XXXX, XXXX XXXX XXXX XXXX opened : XXXX XXXX, XXXX
Product: Checking or savings account

My name is XXXX XXXX and when I was younger I was in an orphanage in XXXX Idaho and I had an account with US Bank in XXXX in my account my dad who is better he left me on death benefits when he passed away I had his death benefits in my savings in my savings account in US Bank no even though my bank was in XXXX I was under XXXX so I was in an orphanage in XXXX in Idaho so I didn't live in XXXX I was supposed to be able to get some money when I was XXXX that was I couldn't touch it until I was XXXX then I could withdraw it to be an adult so what happened was when I was in this orphanage US Bank in XXXX that some lady that didn't live with it wasn't really familiar with you know I didn't live with this lady had nothing to do with this lady they let her put her name on my checking account with US Bank and she completely cleaned out over {$15000.00} but Dad I didn't live with her I didn't stay with her I had no responsibility to her I was locked up at an orphanage and XXXX Idaho so I don't know how she got US Bank to let them put her name on my account cuz when they they let her do that all she did was she took XXXX and closed the account she stole all my dad 's death benefits and close the account I didn't live with her and no responsibility to her whatsoever I tried talking to you as bank and they told me that I'm not allowed to sue a bank I can't make a complaint against him I can't do nothing to a bank at all they're untouchable which is curry alike because now I see your website where I can make this complaint I'm sure the statue of limitations on this is right now but I would appreciate it if you look into it because put her name on my account and I don't know how I don't know how why they did that because this lady was not my mom she's not related to me she's not any part of my family she's no relation whatsoever so hopefully you do something about this but I'm sure you can but I just wanted to make this completely and because they let her put her name on the account I lost my dad said benefits so any information to give me would be appreciated Also the number I have listed on here my phone number is not XXXX my phone number is XXXX that's the correct cell number to contact me at XXXX
Product: Checking or savings account

XX/XX/year> I purchased an item advertised on TV for the amount of {$44.00} instead they charged my bank card {$190.00}. The next day I called the company and told them to stop the order because it was false advertisement and reached out to Wells Fargo. Told them about the issue, they opened up and investigation. The company told me it was already shipped but once I get it return it and once they get it they will return the money and they did..I have proof of the returned item showed it to Wells after a number of back and forths issue with wells the could not communicate with the company and decided to take the money back from my account and close my case .after numerous complaints they refused to give us our money back and we never received the item because we returned it
Product: Credit card or prepaid card

someone used my debit card and subscribed to Google and buy things and I have reported serveral times that I needed a refund as my card was compromised and they have not said anything yet. This is fraud Here is my claim number : XXXX
Product: Credit reporting or other personal consumer reports

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : 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. EXPERIAN : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX I disputed this information with XXXX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance regarding an issue with my credit report. I have encountered a significant inaccuracy concerning charged-off accounts, which I have unsuccessfully tried to resolve directly with the credit bureau . 

Account Information for Dispute : XXXX XXXX Balance {$460.00} XXXX XXXX {$330.00} XXXX XXXX  {$800.00}. 

The issue at hand is a charge-off that is still reporting a balance on my credit report. As per the Fair Credit Reporting Act ( FCRA ), once a debt is charged off and either sold or transferred to a collection agency, the balance on the original creditors account should be reported as XXXX. This incorrect balance reporting is not only misleading but also negatively impacts my credit score. 

I have previously attempted to resolve this issue by contacting directly. Despite my efforts, the balance has not been corrected, and my credit report still inaccurately reflects this debt. 

I am seeking the CFPBs assistance in ensuring that this error is corrected promptly. This request aims to ensure the accuracy of my credit report as mandated by the FCRA. 

I appreciate your attention to this matter and look forward to a resolution that reflects the accurate status of my credit report. Please do not hesitate to contact me if further information or clarification is required. 

Thank you for your assistance and support in this matter.