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

I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Details : Failure to Investigate Disputes : On [ insert date ], I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian did not provide this description within the 15-day timeframe mandated by the FCRA. 

This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding fraudulent account reporting on my credit report. As per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to accurate and up-to-date information in my credit report, and I believe that this fundamental right has been compromised due to fraudulent activity.

Upon reviewing my credit report, I discovered an account that I did not authorize or open. The account in question appears to be associated with [ Name of Creditor/Lender ], and the reported balance and payment history do not align with any accounts that I have opened or used.

I must emphasize that I have not initiated any transactions with [ Name of Creditor/Lender ], nor have I provided consent for the opening of such an account. Therefore, I firmly believe that this account is a result of identity theft or fraudulent activity.

In accordance with 15 U.S. Code 1681q, it is unlawful to obtain consumer reports under false pretenses or without a permissible purpose. Given the circumstances, I urge you to investigate this matter promptly and take appropriate action to rectify the fraudulent account reporting on my credit report.

I kindly request that you : Conduct a thorough investigation into the origin of the fraudulent account and the circumstances surrounding its inclusion in my credit report. 
Remove the fraudulent account from my credit report immediately to prevent further damage to my creditworthiness. 
Provide me with written confirmation of the actions taken to address this issue and any relevant updates regarding the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with Amerihome Mortgage was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. Amerihome acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, Amerihome report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit card or prepaid card

I recently tried to obtain a secured credit card from Navy Federal CU to re-establish my credit. I filed a XXXX XXXX XXXX XXXX  and it was XXXX in XX/XX/2022. I have an account with them and the debt on that account was XXXX in a bankruptcy. It was told to me that they would not use any XXXXXXXX XXXX against the decision but that is exactly what was done, and I get a reminder of it every time I go on my account with a big red notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and TRANSUNION Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

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. 

XX/XX/24 XX/XX/24 XX/XX/24 XX/XX/24 I disagree with account listed in attachment There are alot of inaccuracies thats are appearing on my consumer report affecting my ability to and i would like this immediately re-investigated the inaccuracy are highly injurious to my credit score XXXX XXXX in accordance with the fair credit reporting act public law 91-506 title VI section 611 Subsection A-D please provide the names addresses of each individual with who verified above including dates payment history and balance accuracy please send me a copy of my updated credit report after you're reinvestigation
Product: Mortgage

I am reaching out on the behalf of our mutual customer, this letter below i sent to Shellpoint and they have yet to respond. I have called more times than I can even remember at this point. They keep telling me that they can not write me a letter stating that they ( shellpoint ) will in fact release the lien on the front of the Mobile Home title even though it is not Shellpoint, it is XXXX XXXX  XXXX XXXX XXXX. This is a major problem, because the lender will not move forward with the loan until they assure us in writing that they will pay off the loan in which they have already sent me a payoff statement for as well. 
Can you help me?????? 

We have been working for several weeks to get this closed for the Hulls, the problem we have run into is that the front of the original MH Title that you have in your possession has the lien holder as XXXX XXXX  XXXX XXXX XXXX. 
I really hope you are able to help me, so this deal does not get terminated. 
XXXX XXXX  who is the buyers lender wants something in writing from you ( Shellpoint ) stating that once we pay off the loan referenced above with the payoff statement you provided attached, you will then sign off and release the lien from XXXX XXXX  XXXX XXXX XXXX that is on the front of the MH Title. I sent them the payoff statement that I received from you for the loan, it is still not enough to satisfy them. When I called Shellpoint, you offered to send me the welcome letter you got from XXXX, but again XXXX XXXX  said that would not satisfy their concern as to one we pay Shellpoint off that Shellpoint will sign off the lien from XXXX XXXX  XXXX XXXX XXXX and send the original MH Title to us to finish the cancellation of XXXX  XXXX. 
If you have any questions or any advice to help, PLEASE contact me. We are running out of time to get this deal closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report ). Upon review, I have identified an error in how this account is being reported. 

Specifically, the balance update date is listed as XX/XX/XXXX, despite the fact that the account was charged off in XX/XX/XXXX and my last payment was on XX/XX/XXXX. If the account was charged off in XXXX, it should not have a balance update as recently as XXXX. This creates an inaccurate and misleading representation of my financial status. 

Additionally, the credit usage is listed at 104 %, which is incorrect given that my credit limit was {$2500.00}, and the balance at charge-off was {$2600.00}. This calculation does not align with standard credit reporting practices. 

I request that Experian conduct a thorough investigation into these discrepancies and either correct or remove the incorrect information from my credit file. Please provide written confirmation of your findings and any corrections made.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights significant flaws in the platform. Despite having used Zelle on several occasions and reporting issues with transactions, neither my bank nor Zelle conducted a proper investigation into my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has failed to protect consumers adequately, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. The lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.
Product: Student loan

After discussing how much i make and how much I spend on bills. It was determined that i can still make the payment to them and be left with {$30.00}. Getting paid bi weekly. That is unfair and it 's unrealistic.
Product: Debt collection

I started paying this debt through garnishment XXXX 2014. At the end of XXXX 2014 I was laid off from my full time job. I tried to contact Columbia Collections Services multiple times to pay the remaining part of the bill in full but was never called back. For the last year I have left messages weekly for XXXX, the rep in charge of my account with no response. I have also called the lawyer on file and left messages and never got a response. Instead of letting me pay my debt, Columbia has tried to seize my bank funds twice and has issued garnishment papers to multiple places that I did n't even work at. This process of filing new papers over and over has resulted in over {$2000.00} in fees on an original debt amount of {$1100.00}. I wanted to settle this debt over a year ago and have n't been given the opportunity. I feel like this is unfair and should be illegal. Especially given this debt was from a medical bill that I should n't have even aquired. Columbia is now garnishing XXXX % of my income monthly and still wo n't call me back. My boyfriend has been calling everyday as well trying to pay the debt in full and is also being ignored. 
I am writing you this letter to file a complaint. I am not the first person who this has happened to. When you look Columbia up online, you find nothing but complaints of many people going through very similiar situations. I have since paid my debt back and I understand having some added interest, but doubling the debt is absolutely ridiculous. Had they let me pay it in full, the fees would 've never grown like they have. I would appreciate your assitance in this matter so that I can pay off my debt in full without having to pay the additional amount being charged as a result of the unethical and unprofessional behavior that Columbia Collections Services Inc. has exhibited over the past 18 months. 

Best RegardsXXXX XXXX
Product: Checking or savings account

I am long time customer who attempted to open a CD with my bank-Capitalone.com. I contacted customer service after several online attempts to open an online CD. I was informed that I need a cell phone to receive a security code in order to open an online CD. I was explained that there is no other way to send me a security code, not via land line phone nor e-mail. I do not own an appropriate ( Capitalone.com ) approved cell phone. This is customer disservice, not to mention discriminatory. Apparently Capitalone considers cell phone ownership a secure means of verifying a persons identity. If security is genuinely the issue, then Capitalone should make the effort to be more inclusive. Instead of racial discrimination, Capitalone practices cell phone ownership discrimination. Can anything possibly be done to serve the customer instead of further encouraging a two class culture?
Product: Checking or savings account

On XX/XX/XXXX my checking was hacked. Someone used XXXX XXXX and took XXXX XXXX The bank put a hold on the two old accounts and opened up two new accounts. Now the old account is XXXX $ overdrawn. The bank says I have to pay. Don't even know if the hacker got the money. The bank did an investigation and said I'm responsible. I called XXXXXXXX XXXX and they said there is nothing they can do. They said call bank. And bank says call them.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. 

According to the FRCA the term investigated 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 is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. 

I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX and the balances are not reporting the same across credit bureaus. Also the reporting originator creditor name are not matching as well. According to Annualcreditreport.com the item is estimated to fall off of my report on XX/XX/XXXX Ive sent out 4 dispute letters over the course of 1 year and these issues has yet been resolved. 

*Account Open date is wrong * Original creditor name dont match across bureauXXXX *Reporting balances does not match across bureaus Accounts XXXX XXXX XXXX Account XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX - XXXX U XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I found a dispute on Account # XXXX. XXXX denied following up with the investigation, I was recently informed that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer disputes results. This aligns with my situation. XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory marks to be removed or corrected immediately as it is affecting my chances getting a car. XXXX violated my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

My original car note was paid in full. XXXX XXXXXXXX sent me a lien free title after they received notice. When I went to apply for a new home, I was informed that there is still a balance owed showing on my report. The consumer reporting agencies by law have an obligation to report is continuing to furnish inaccurate information to my report 100 % accurate information to consumer reports. This account has been written off as paid on the books of financial institution and reported to the IRS. Reporting this debt is a direct violation of the law.
Product: Credit reporting or other personal consumer reports

EQUIFAX in violation of Deprivation of Rights Under XXXX of Law and Ethical Breaches. These actions have resulted in the deprivation of constitutional rights of survivors of human trafficking, in violation of Title 18 U.S.C. 242. I have an advocate from XXXX XXXX XXXX who has assisted my affairs as a victim of human trafficking. EQUIFAX has not abided by the laws and regulations set in place under 605C. I am requesting an investigation on this matter as soon as possible and for my file to be blocked in the time permitted under the XXXX. 

I have attached my documents to this complaint.
Product: Credit card or prepaid card

I had an Apple Card balance {$530.00} in XX/XX/XXXX. On XX/XX/XXXX, my father XXXX XXXX XXXX XXXX XXXX XXXX his XXXX checking account ending # XXXX to pay off the balance. Apple Card is issued by XXXX XXXX. 

On XX/XX/XXXX, the AutoPay charged me again from my XXXX checking account ending # XXXX for the same {$530.00}. 

I called Apple to refund the duplicated amount from my checking account, I was told to go to my bank to set up a dispute to recover account, they could not refund directly, since it was an autopay. I followed the instruction, and I recovered the duplicated {$530.00}. After that, I got Apple email on XX/XX/XXXX saying that I owe {$530.00} plus interest, which is XXXX. It has been showing in my Apple Card message until now. 

Since then, I contacted Apple Card through phone calls and Chat many times. I was confirmed that they did see the {$530.00} payment history, and would resolve the issue. They also told me that I would get an email, so I can submit documents with explanations.. 

I never got any emails to allow me to submit written explanations. I got 4 managements calling me, I had t o repeat the same explanations over and over again, but none of them resolved the issue. I was also told to use Apple Chat, and I did. 

The XXXX one told me to expect an email to explain ( XX/XX/XXXX ), it never happened. The XXXX one said the {$530.00} actually went to my previously closed account, asking if I was willing to transfer to the currently active account ( XX/XX/XXXX ). Then the line got cut off, she never called me back. The XXXX XXXX told me to do Apple Chat ( XX/XX/XXXX ), I told her that I already did, and I was promised an email ( XX/XX/XXXX ), I got no email. The XXXX one asked me to call Customer Service, and suggested the I paid the minimum {$25.00} ( XX/XX/XXXX ). 

I finally learned after about 1 month that I would not be able to resolve this issue by myself with Apple Card, and currently I still see my Apple Card being " restricted '' with {$540.00} balance. Apple Card did not reject the payment from my closed card, after they knew it, and they would not transfer it to my active account to resolve the issue, even if I already authorized it. All the phone calls were recorded, and XXXX history is still there. 

With the next charge cycle coming, I would like to request to transfer to close my balance, and waived the interest charge. They would not allow me the chance to submit the documents with explanation thru emails, as I am doing now, I have to resort to you. And the default history will hurt my XXXX XXXX. 

Thank you very much. 

XXXX XXXX
Product: Debt collection

In   XXXX   XXXX   XXXX    , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector   XXXX   XXXX  , who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  Burton Neil & Associates who claimed to be collecting for "   XXXX   XXXX   ''. Believin g "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with   XXXX   XXXX  . I have made payments for the last 8 months.     Yesterday, I received a letter from  Burton Neil claiming  that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my   XXXX   XXXX   account which showed that at this point the balance is {$4800.00}. I call ed Burton Neil who  claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot of   XXXX   XXXX   's portal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  Burton Neil.
Product: Debt collection

This debt is not mine. I have disputed This with the company many times. My name is common in the city I reside and way to often am I fighting with companies that charge me for a debt that is not mine.