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

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

Despite my submissions, XXXX 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, XXXXXXXX XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 



These are the actual accounts that are inaccurate, XXXX XXXX, Account # XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX I received a email notification from XXXX that my credit score decreased. I signed in to my account to find SCA Collections had reported I owed XXXX and it decrease my score by 63 points. It said the original credit was XXXX XXXX XXXX XXXX from XX/XX/XXXX. Since I have never heard of either company and have never received any bill or any communication at all from either company I am assuming that this may be a scam or fraud and I am to scared to call and give them any more of my information. I have never not paid any bill in my entire life and have never had a collection on my account. This has done a lot of damage to me. The company 's information listed is SCA Collections, XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number listed XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX but I am unable to find the correct information to contact them. I have also disputed the charge with XXXX. Thank you for your help! I do n't have any documents to attach because I have never been contacted by either company and have never heard of either of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union will  not remove old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job in XX/XX/XXXX due to Covid. My husband and I contacted Amerihome Mortgage to advise that we were unable to make payments on time but we were continuing to make payments in full on our mortgage. The only relief that was presented was a forbearance. We decided in XXXX to apply for the forbearance. Our account at that point was up to date. We were advised that the full late amount would be due at the end of XX/XX/XXXX. We decided to sell our home and paid in full for the debt secured by Amerihome prior to the due date. We noticed 90 days after delinquent payments and open account were still showing on our credit report. We contacted Amerihome on numerous occasions, emailed, and faxed our documents to their credit and satisfaction department with no help. To date, our credit report still show open and delinquent payments from XX/XX/XXXX-XX/XX/XXXXWe were on time on the mortgage payment in XX/XX/XXXX and the previous payments were made late but notified to our lender ( Amerihome ) prior to due to Covid ( loss of my job ). We are currently trying to purchase a new home and this is greatly affecting our credit and preapproval for a new home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Product: Credit reporting

Around XX/XX/XXXX I disputed a negative item on my credit report for all XXXX bureaus. I was successful on the deletion. In XXXX this same collection account resurfaces, under a different collection agency. After some google searches i found out it was technically the same agency they just changed their dba. I received an alert thanks to XXXX of the reinsertion. I disputed it immediately unfamiliar with the charges, just like last time. Now it comes back " verifiable '' within 6 days of the dispute. A week later it hit my Experian file, I dispute with them as well and again they " verify '' within days of the dispute date. I know it takes a little time for sites like XXXX to update to show a collection. I not once received written correspondence telling me this collection was being reinserted into my credit report. And after some digging I found out the credit bureaus have 5 days to let me know. It is now XX/XX/XXXX and I have yet to receive correspondence from Experian nor XXXX. Hopefully it does n't hit my transunion file as well as I have n't received anything from them either.
Product: Credit card or prepaid card

I made a credit card purchase for {$33.00} that I charged it to my Sears Mastercard managed by Citi. The due date to pay the credit card was XX/XX/XXXX. Unfortunately I misplaced the bill, found it, then paid it on XX/XX/XXXX. I called the 800 number on the back of the credit card on XX/XX/XXXX. I spoke to a lady, explained that I had misplaced the bill, had never been late before, then requested that Citi waive the {$30.00} late fee. There was short delay while the representative checked my prior payment history. When she began speaking to me again, she said that the records indicated what I said is true and as a courtesy she is removing the {$30.00} charge. She added that it was good of me to call to explain why I was late. In the beginning of XXXX, I received a subsequent bill from Citi Sears Mastercard that not only did not reflect the promised {$30.00} credit, but an additional {$42.00} late fee was added. On the XXXX of XXXX I called again, spending almost an hour with another lady explaining what occurred before a supervisor joined in on the call. The supervisor told me that she would remove the additional {$42.00} fee but I would have to pay the initial {$30.00} late fee. At this point, frustrated, I told both of them that I expected to get what is promised and to cancel the credit card. Since then, I have received another statement so I now have been billed {$110.00} in late fees for a {$33.00} purchase that I paid approximately two weeks late. Additionally, Citi sent me a demand letter for payment stating that my failure to pay may result in them sending a negative report to credit bureaus and I received computer generated telephone calls almost daily requesting payment for the fees. Included with this complaint is a recent letter to Citi along with supporting documents. As a follow up, I received a telephone call yesterday from a different representative who told me that Citi Bank company policy only allows them to waive one late fee, therefore she is unable to do anything more at this time.
Product: Mortgage

In XXXX I paid approximately XXXX. I asked the guy prior to making the payment will my monthly payment go down if I pay {$5000.00} towards my escrow he stated yes. I checked the portal days later my payment did not go down as he stated. It was left in my escrow acct the house payment was the same. I called and asked is the call recorded the guy stated yes. I told him the problem he stated your escrow analysis isnt until XXXX or XXXX. I said I was told that previously. I requested the {$5000.00} be put towards six payments. He said ok you will not have a payment until around XXXX or XXXX. I checked again days later the problem still is not solved. I called again spoke to a lady. I asked are the calls recorded she stated yes. I told her the problem she stated she fixed it and apologized. I received a letter stating XXXX  XXXX XXXX own my loan. My loan was supposedly bought out by Shellpoint in XXXX and Shellpoint is the company I have been paying. Theres no record of Shellpoint on my credit report and XXXX XXXX XXXXXXXX has me owing XXXX. This is stressing me out causing me to under perform on my job. I feel as though my acct is fraudulent and will like a complete paid in full acct with the clean deeds sent to me mental distress compensation from which company is playing whatever games. I have the letter at home where Shellpoint stated XXXX  own my loan but Ive been paying Shellpoint.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COLLECTOR FAILED TO VALIDATE DEBT. ALSO WENT ON MY CREDIT REPORTS AND XXXX, AND CALL US 11 TIMES REGRDING TAX BILL PAID ALREADY.. 

THE COLLECTORS VIOLATED THE DODD-FRANK ACT!
Product: Mortgage

In XXXX of XXXX, I applied for Covid forbearance. It was approved for 3 months ( XXXX, XXXX, XXXX XXXX. As a teacher, my income was reduced because I was no longer able to work my summer and after-school programs, which significantly increased my income. I only exercised the option for one month. I requested that the amount be added to the end of my loan. However, Wells Fargo started reporting me as late on my loan. 
I have called several times and no one seems to understand their own program. 

As a last resort, I requested to refinance because my interest rate is 6 %, which well above the 2.0 - 3.0 % that is currently offered. They offered me HAMP, a loan modification program. The problem is they will only allow the modification terms of 30 years, so basically, I'm starting over. I have been in my home for 20 years and have no desire to start over. I requested 15 years, with no resolve. 

Wells Fargo is taking advantage of customers and their situations. They are discriminating against customers with lower credit scores, bankruptcies, and financial hardships that are through no fault of their own. 
My credit is being impacted because it has shown me late on my loan since XXXX. I would like this corrected. 

I would like my interest rate lowered to industry standards because I've been a customer for 17 years and I have shown good faith. 

I do not wish to extend my loan more than 15, as I am 13 years out from paying it off. 

Each time I've tried to seek assistance, since XXXX, I've been meet with obstacles. I've been trying to refinance my home since XXXX. I was told I was upside down. I have had a 6 % interest rate and rates have been much lower for years ; therefore, I have paid significantly more for this loan than other consumers. Wells Fargo has not actively worked with me to help me refinance.
Product: Payday loan, title loan, personal loan, or advance loan

I'm re-filling this complaint because CFPB closed out my prior complaint on XXXX  the same day the company responded without giving me 60 days to provide online feedback and reply to PNC Bank online as required by law. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here is my original complaint filed on XX/XX/XXXX ( complaint number XXXX ) I have an existing line of credit account that I've had at PNC bank XXXX XXXX. Then around XX/XX/XXXX, I applied by phone for a {$15000.00} line increase. PNC rejected my application for reasons that did not make sense with my credit history, so I applied for an appeal. I also sent a letter to PNC on XXXX XXXX XXXX requesting a copy of my original telephone application and the notes that were placed on my file because I suspect that the representative or the underwriter ( or someone ) wrote inaccurate information on my telephone application and file which caused my line increase application to get rejected. About a month later ( today XX/XX/XXXX ) I called PNC again and was told that my appeal application was denied but the representative would not tell me the reason ( XXXX ) why. The rep also refused to send me another denial letter for the appeal application and refuses to send me a copy of my original telephone application along with copies of the notes placed on my file for this line increase. PNC also won't mail the first rejection letter to my home and is now demanding that I go into the branch and receive it there. I also received a call from a PNC Case XXXX yesterday XXXX who demanded to know " what I wanted. '' I also told the XXXX XXXX I want a copy of my original telephone application and the notes on file for this line increase request and she also stated that she could not provide the documents to me. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, PNC Bank " finally '' responded to my CFPB complaint and refused to acknowledge the reason why I disagreed with their denial, which was based on inaccurate information that is not contained in my credit file. Then PNC provided supporting documents that can not be opened because the files are corrupt. And PNC still refuses to provide copies of the telephone application and the notes associated with my application by saying " it's proprietary information '' even though, in a private email message PNC 's lying investigator ( XXXX XXXX ) sent to me on XXXX XXXX XXXX PNC stated by its own admission that it did not have a hard copy of the telephone application to give me, which violates Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working on my credit file, and was able to print out XXXX XXXX & XXXX  with NO problems However, Equifax, has blocked me from my free credit report many times, which prevents me from correcting errors on their report .I do NOT think this is by accident - they have ALWAYS been the worst agency of the 3 to correct errors, and do not want to correct anything! 

I want my free credit report - per law regards XXXX.
Product: Mortgage

Refinanced property with XXXX XXXX - terms included no escrow. UWM bought the loan. UWM initiated escrow due to the fact they had no proof insurance because they didnt change the mortgagee clause when they purchased the loan. The whole administration of this process was botched. I have reached out to UWM countless times. They continue to remove an additional {$800.00} per month from my account for escrow which were not the terms of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted fom identity theft is a violation of the Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is defamation of character and misrepresentation of my true credit worthiness. i recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NV XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is continuing to report an INACCURATE date of birth on my credit profile. I have disputed this inaccuracy via certified US mail on XX/XX/XXXX. I have disputed this inaccuracy using Equifax 's online dispute portal on XX/XX/XXXX ( confirmation # XXXX ). I have disputed this inaccuracy AGAIN via certified mail with Equifax on XX/XX/XXXX. In each stated instance I have provided and enclosed to Equifax clear and current copies of my valid PA Drivers License, Birth certificate, Social Security card, and a current utility bill in my name, and Equifax continues to respond that the INACCURATE and wrong date of birth reflected as XX/XX/XXXX is verified as accurate. This is NOT possible. My accurate date of birth is XXXX/XXXX/XXXX as ACCURATELY shown on both my XXXX and XXXX credit profiles.
Product: Debt collection

Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from Diversified Consultant as the guidelines of the FDCPA states, which is outlined below : a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

You have deemed the debt valid by putting on my credit report before sending me written notice and allowing me to dispute. The address on the documentation you attached was not sent to the correct address, they were all sent to an address that I no longer live at and the amount that is being stated I owed is incorrect.
Product: Credit card or prepaid card

I have given this organization over two months to resolve the charge on my account of {$47.00} for merchandise not received said to have shipped on XX/XX/2021. I have place numerous calls to the Credit department to have the charged removed from my bill and also complained to the order department directly. I have exhausted getting a resolve through their customer service representatives and supervisors. No one has made an effort to to fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the XXXX balance in full XX/XX/22 to Ally Financial and received correspondence through email as well as the pay off letter. Ive spoken to several representatives and have uploaded the letter to prove the balance has been settled, to no avail they keep reporting incorrect information
Product: Mortgage

I was working on a short sale with XXXX. They countered XXXX and my client approved. We were just waiting on XXXX XXXX approval. In the middle of this process the negotiator told me that the loan was being sold to Rushmore XXXX XXXX. I could not talk to Rushmore because the file had not been transferred. XXXX XXXX I called Rushmore and they said they could not speak to me because the file did not transfer to them yet. This process took a week and a half. In the meantime I saw there was a foreclosure for XX/XX/XXXX. I asked the representative if that would be an issue an she said no. I was finally assigned a negotiator and he ordered the BPO. However last week he told me his supervisor said that Rushmore needs 60 days to complete the short sale. I was close to getting an approval with the previous servicer and I believe it is unfair for them to schedule the short sale foreclosure sale date without even giving us the opportunity to complete the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.