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

XX/XX/year> Subject : Formal Complaint Regarding Missing and Inaccurate Account Information Dear CFPB, I am filing a formal complaint against Experian for failing to provide complete and accurate information regarding my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The absence of detailed reporting suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

Reporting incomplete information violates 15 U.S. Code 1681s-2, which prohibits the omission of essential data regarding accounts.

Summary of Errors and Discrepancies : Missing account details such as balances, high credit limit, and payment history. 
No reported late payments ; however, the omission of critical account information creates inconsistencies in my credit profile. 
Impact on Creditworthiness : The lack of comprehensive and accurate information in my XXXX report has created discrepancies across credit bureaus, undermining my creditworthiness and leading to financial harm. 
Desired Resolution : Immediate inclusion of all relevant account details in my credit report.

Written confirmation of the updates.

Assurance that the reporting will be accurate and consistent moving forward. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

OnXX/XX/XXXX, our XXXX XXXX XXXX was in an accident and later deemed to be a total loss. At the time of the accident, we had completed all required lease payments, on time, and were intending to buy out our lease. After the vehicle was deemed a total loss, our insurance company took over resolving the pay off for the value of the vehicle. 

On XX/XX/XXXXToyota Financial Services issued us the attached letter, indicating in the second to last bullet that should anything additional be owed, beyond the insurance settlement, we would be sent a bill and given 30 days to pay. This was the last communication we received from XXXX and according to verification by two phone representatives at Toyota Financial Services on XX/XX/XXXX, nothing further was mailed to us. 

At no time were we provided the statement of balance, nor given 30 days to make payment, should there have been a balance. On XX/XX/XXXX, I received notice from a credit monitoring company that the account was marked as closed, charged off, bad debt, and transferred to a collection agency. Upon contacting TFS, I was informed this was true, that the debt was transferred to a collection agency. 

We subsequently received information from now three different collection agencies and have provided the notification and our responses below. None of the first two collection agencies ever responded to our notification we provided back in writing. 

In XX/XX/XXXX, my husband contacted the XXXX XXXX XXXX  and filed a complaint. In speaking with a representative from Toyota, he was told that there was nothing that could be done and that a letter had been sent back on XX/XX/XXXX. We received a copy of that letter in the mail recently. At no time during any of the communication with Toyota or any of the creditors, prior to XX/XX/XXXX, had we received this letter. It was not published to our account nor had we received it in the mail in XX/XX/XXXX. 

From the start of our lease on XX/XX/XXXX, we never missed a payment or paid late.
Product: Mortgage

LOANCARE/ XXXX XXXX is reporting an incorrect mortgage balance to XXXX  XXXX 

Our mortgage was transferred to Loan Care for servicing on XX/XX/2021. On XX/XX/2021 LOANCARE/XXXX XXXX  first began reporting our loan information to XXXX Credit bureau. 

Our loan balance should be reported as {$180000.00}. 

However, LOANCARE/XXXX XXXX XXXX  has reported the balance as {$180000.00} We would like the mortgage balance reported accurately to all credit reporting agencies that LOANCARE/XXXX XXXX use.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Company sent live loan check through the mail and it was deposited by family member into their account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are in accurate 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

To Whom It May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debtor that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX, XXXX XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with the concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for a savings account with XXXX  and was notified that they would not open an account for me because of information obtained from a credit reporting company called " chexsystems ''. 

After reviewing the report I discovered that they reported " no information '' for me on every item, which is incorrect. I checked and my information with all three credit reporting agencies is accurate. 

I contacted chexsystems and filled out the forms they required for investigation as to the misinformation and I received a case number. ( reference ID is XXXX ) It has been over 60 days and I have not received any information from checksystems regrinding my inquiry and complaint. 

Clearly chexsystems is in violation of the law by not responding to my complaint and not correcting the inaccurate information they reported to dollarsavingsdirect. 

I have attached : Bank Application number Bank refusal letter Report from chexsystems Confirmation of my complaint
Product: Mortgage

I received documents about my proposed forbearance on XX/XX/2022 from Select Portfolio Servicing. I looked through my documents and it seemed that there was a signature page missing, but I was not sure. I went online on XX/XX/2022 and felt really lucky that SPS actually upheld the forbearance because when I downloaded the documents from their website I was actually missing several pages including the signature page. I never signed to approve my forbearance. I was very happy that all three times that I called SPS confirmed that they had not been tricking me and that I was really on forbearance and that all I had to pay was {$390.00} and that they still confirm that I was on forbearance. Thank you SPS.
Product: Credit card

In XXXX of this year, 16 fraudulent charges appeared on my credit card totaling {$3900.00}. 

I contacted Wells Fargo who initially credited my account and issued me a new card. After about a week, they decided that I was liable for the charges and reposted them on my account. The issue being that apparently their system shows that a chip was used when making the purchases and I had let stated that I had not lost the card nor lent it to anyone. 

Despite filing a police report, a claim with the Federal Trade Commission and a fraud alert with XXXX, they continue to deny my assertion of fraud. The charges occurred in multiple cities where I was not present. I have requested a letter from my employer stating that I was working on three of the four days the transactions occurred to try to further my case. Unfortunately, one charge occurred on a Sunday so I would need to get a letter from the church where I was attending services at the time. Three transactions were in XXXX where I do reside but hopefully the fact I was working on those days will suffice. Several of the charges were for large amounts and I was never contacted by Wells Fargo to inquire about possible fraud given that all were unusual charges given my account history. 

The charges are as folllows : XX/XX/XXXX : XXXX - XXXX {$250.00} XX/XX/XXXX : XXXX - XXXX {$240.00} XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX - XXXX {$14.00} XXXX - XXXX {$6.00} XX/XX/XXXX : XXXX - XXXX XXXX {$60.00} Big Daddy 's - XXXX ( XXXX charges ) {$98.00}, {$79.00}, {$78.00}, {$76.00} XXXX XXXX - XXXX {$1900.00} XX/XX/XXXX : Clevelander - XXXX ( XXXX XXXX ) {$600.00} Big Daddy 's - XXXX ( 2 charges ) {$230.00}, {$120.00} XXXX 's - XXXX {$100.00} XXXX - XXXX {$22.00} These charges total {$3900.00} ; all of which are fraudulent. 

I have made every effort to work with Wells Fargo to prove that I did not authorize these transactions and they continue to deny my claim. I need further assistance resolving this matter as the bank is not taking any action to help me clear this matter. And hopefully, this is resolved quickly enough that the disputed transactions which I refuse to pay will not affect my credit score. 

Police report case number : XXXX Federal Trade Commission claim number : XXXX XXXX fraud alert confirmation number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to dispute the inaccurate Personal Information that's being placed on my credit report by Experian, and they have yet to correct it, even though, I sent them a notarized document of my correct personal information. 
I sent Experian a notarized dispute letter regarding the inaccurate personal information back in XX/XX/2021 and they failed to respond. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XX/XX/2021. 
I requested that only one name, one address, and one phone number should be present on my report, and any other personal information other than what I put on my notarized letter should be removed immediately being that it's inaccurate. Experian responded by removing the last 4 digits of my postal code, and that was it. Simply put, they ignored my dispute all together and should be held accountable. They completely ignored my letter in XXXX, and chose to ignore my XXXX dispute as well. 

The credit bureau failed to properly investigate and correct the problem, and they're still reporting inaccurate information. Surely this is grounds for removal, and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter. 

They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.
Product: Debt collection

XXXX XXXX XXXX Portfolio recovery / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

In an ongoing effort to get PHH Mortgage to remove the PMI from our mortgage ( Loan # XXXX ), in XX/XX/2022 we filed a complaint via the CFPB website against PHH Mortgage ( Original Complaint # XXXX ). PHH Mortgage replied on XX/XX/2022, continuing to deny our request. Their response is attached to this new case. 

I have also attached a copy of a revised version of our original complaint document, with RED text inserted so that PHH Mortgage will see point by point where they need to review and address matters previously ignored, and/or where we are providing new and additional evidence in support of our position for their review and consideration. 

This new complaint is being submitted because : PHH Mortgage provided no meaningful response ( if any ) to several arguments/concerns we made in our original complaint. 
The Deed of Trust document has an error. PHH Mortgage provided a copy of the current Deed of Trust document with its XX/XX/XXXX response, to show that the total acreage of the property financed under this mortgage is correctly accounted for in the recent appraisal report. Upon inspection, I have found that this Deed of Trust document has a significant error with respect to the amount of acreage associated with the XXXX XXXX XXXX parcel, as explained in the attached revised complaint. Also explained in our revised complaint is the fact that the recent appraisal report does indeed neglect to account for the existence of or value of a second parcel of property financed under this mortgage. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect. 
A valuable pole barn exists but its value is being ignored. PHH Mortgages response ignores one of our arguments regarding the pole bard on property. In our original complaint, we allege the current appraisal report fails to account for the existence of or the value of a sizeable pole barn on our property, which has significant value. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect. 
PHH Mortgage also submitted an important document with hits XX/XX/XXXX response that is fraudulent. We paid for an appraisal as part of this process. PHH Mortgage contracted with a licensed appraiser to evaluate and determine the current market value of our property. In addition to the multiple points of negligence regarding his appraisal report, this appraiser also fraudulently certified in writing that he conducted the appraisal himself, including coming to the property, taking pictures, etc. This did not occur. 
Other arguments/concerns as noted in attached.
Product: Bank account or service

Bank of America has me listed with XXXX for account fraud. I spoke to Bank of America and they stated my account was closed due to overdraft but they have it listed as fraud. I am being denied a bank account everywhere I go even after bankruptcy. To top it off my account was paid the {$5.00} that it was overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT LIABLE FOR THESE DEBT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATION XXXX I DO NOT HAVE CONTRACTS WITH THESE COMPANIES NOR HAVE THEY SENT ME THE ORIGINAL CONTRACT AS I REQUESTED. I HAVE ABOUT 30 INQUIRIES FRON THE US DEPARTMENT OF EDUCATION ON MY CREDIT REPORT WHICH IS CAUSING MY CREDIT SCORE AND MYSELF TO SUFFER VASTLY. THESE INQUIRIES AND ACCOUNTS ARE NOT MINE.
Product: Credit card

My issue is with the Macy 's American Express Card, which I believe is now managed by Citibank. I have a problem with the account but can not reach anyone in their customer service via their published contact information. There is no choice to reach a CSR and all the options just go to another menu then another and another and you never reach a person. I even selected Report Card Lost or Stolen and it went to another menu with no live person. The problem with my account is they are reporting incorrect balance information so I am worried of fraudulent charges or some other issue as my balance is less than credit line but they report XXXX credit available. I have sent via their email contact XXXX messages on XXXX and not XXXX response from their customer service. Sent another message on XXXX and again no response. I am real close to taking legal action as my next step but thought this avenue needed to be done to address their lack of contact option and no response to my issues with my account.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 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 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

XXXX XXXX is not allowing me a fair opportunity to manage this account as a co-borrower. I have requested monthly statements, payoff statement, to make me the primary borrower & to have any & all information in regard to this account to be mailed to my address NOT the property address. Im being denied a fair opportunity to protect my personal credit. Every dispute response is verified as accurate but historical information is changed to reflect different information that was previously verified as accurate. I have fought clarification for the past 11 months. I depend on dispute information & credit reports to try to manage this account. I didnt even have an account number or transfer information until XX/XX/2023 through NYS Dept of Financial Services . XXXX XXXX seems to have consistent poor customer service based on reading reviews. Very similar to my own situation. They make no attempt to resolve the situation when I have tried everything I could to protect my credit. I have no control of any future delinquencies because I only find out the status AFTER its reported & ONLY on my own via credit reports & disputes.