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

I am writing to file a formal complaint against Experian regarding their persistent failure to rectify inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ). This marks my third attempt to address this issue with Experian, and I am dismayed by the company 's lack of compliance and disregard for the accuracy mandated by the FCRA. 

The inaccurate information in question pertains to my alleged residence at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I emphatically state that I have never resided at this address, and this misinformation is detrimental to my creditworthiness. Despite providing evidence and disputing this information on two prior occasions, Experian has failed to correct their records. 

The FCRA explicitly requires consumer reporting agencies, such as Experian, to maintain accurate information on consumers ' credit reports. Section 623 ( a ) ( 1 ) ( C ) outlines the obligation to promptly delete inaccurate information. Experian 's continued reporting of false information not only jeopardizes my financial standing but also constitutes a blatant violation of my rights as a consumer. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against Experian for its repeated non-compliance with the FCRA. Furthermore, I urge the Bureau to ensure that Experian rectifies this issue immediately by removing the false information from my credit report. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify Experian 's non-compliance with the FCRA. Please do not hesitate to contact me if you require any further information. 

Thank you for your prompt assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called SELF Inc. to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Today, XX/XX/XXXX, I received a letter from Stenger & Stenger. I have never had any prior communication with this company. 

This letter was sent in an envelope with a return address of the XXXX XXXX Government Center, from supposedly the small claims court. 

However, inside the envelope is an extremely vague notice of showing up to small claims court on a time and date next month. There's no court case, room #, contact information for XXXX XXXX, Judge name, or any other info.

Furthermore, after the sincere panic and confusion, I checked Indiana 's government resource site which showed that no claims or lawsuits had actually been filed against me. I have received no notice from the state or local authorities about needing to appear in court. 

The first hint I had that this was illegitimate were the misspellings on the document. Instead of Case it was spelled cause.

The large giveaway was only when you get to the bottom of the page and it states " This is a communication from a debt collector ''.

It may be a communication from a debt collector but they sure went to a lot of trouble to disguise it as an official document from the state. This is by default against the law as they are actively working to impersonate local government and court systems.
Product: Credit reporting or other personal consumer reports

I requested Equifax to verify the accounts on my credit report since my data on my Equifax account have been breached, also copies of verification and proof of any contracts allegedly I have with XXXX XXXX  debt collectors, copies of contracts, and certified public copies of any liens, credit transactions, or debt that have been registered of any kind associated with the consumer. I sent XXXX requests : XXXX through XXXX on XXXX XXXX2024 through certified mail with a XXXX form, it was delivered and return, and another on XX/XX/XXXX through certified mail.
Product: Credit card

For the second time in years, Citi Cards misapplied funds for one account into our other account. We use our credit union to make bill payments and in XXXX, and Citi applied both amounts to one of our accounts; leaving one account past due. No text, email, or phone call was made to me until XXXX couldn't process a payment and I contacted Citi. 

I have been with Citi Cards for over 23 years and always pay before it is due. My wife is also on this card. Years ago, my wife also got her own card as a backup, I am also on this card. We also travel a lot, including internationally. 

Each credit card has its own account number of course, and that is on the bill pay with our credit union. The payments went out 3 days apart due to their respective due dates. 

When I found out about the issue, XX/XX/XXXX, I called and a rep reversed the amount and applied it into the correct account. On XX/XX/XXXX, I called again and said I wanted to make a " complaint '' and wanted a supervisor. XXXX took all my information but they do not have a reference number for the complaint, nor will Citi send me a personalized letter stating how this happened ; and what they are doing to ensure it doesn't happen again. 

I believe this issue is happening to others and systemic issue with Citi.
Product: Debt collection

SOME TIME AGO I RECEIVED SERVICE AT WESTERN DENTAL, APPROXIMATELY 5 YEARS AGO, I BELIEVE.I WAS FULLY INSURED AT THE TIME OF SERVICE BY A GOVERNMENT INSURANCE XXXX.THE DENTAL OFFICE INSISTED ON VERIFICATION OF COVERAGE PRIOR TO TREATMENT.ONCE I WAS INFORMED THAT I WAS COVERED AN APPT. WAS SET UP BY THE DENTAL OFFICE. 
IF THE DENTAL OFFICE ACCEPTS GOVERNMENT INSURANCE THEN THEY ALSO ACCEPT THE ASSIGNMENT OF BENEFITS.THIS BILLING BY HP SEARS IS ENTIRELY EXTORTIONATE IN NATURE.NOT ONLY DO I NOT OWE ANY MONEY BUT THE DEBT IS TIME BARRED FOR EXPOSURE IN COURT.SO THE ONLY THING XXXX XXXX IS TRYING TO FIND OUT IS IS HOW MUCH MONEY WILL I PAY TO KEEP MY XXXX FICO SCORES THAT ARE EARNED BY YEARS OF RESPONSIBLE BORROWING AND PERFECT PAYMENT HISTORY TO SAVE MY CREDIT FROM ATTACK WHETHER OR NOT I OWE THE MONEY.I OWE XXXX DOLLARS TO XXXX XXXX OR HP SEARS.I WOULD LIKE TO SAY NICE TRY TO THE CROOKS AT HP SEARS BUT THEY FOUND A PERSON WHO WILL NOT PERMIT THEM TO WREAK HAVOC ON A STRESSED FINANCIAL SYSTEM.SO NOW WE HAVE A RECORD OF THE CRIMINAL ACTIVITY.
Product: Credit card or prepaid card

XXXX because I had so much identity theft with XXXX I bought a prepaid card from XXXX and the money disappeared.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally Protected Consumer. I am OPTING OUT of any and all Authorisations, I the Consumer may have given you written, unwritten, verbal, and non-verbal. Per 15 USC 6801-6805 16CFR313 Per the Privacy Act 1974 Send this to XXXX, EXPERIAN, XXXX.
Product: Money transfer, virtual currency, or money service

The loan company Money Key Loans called me on XX/XX/2020 saying we saw you had a inquiry to get a loan and we are willing to provide so we will go forth and process your loan their phone number is XXXX. They asked me for and I gave them My bank account number and my Social Security number along with my bank account login information Then once they figured out it was my account they wanted to start a security process of putting the amount of {$700.00} into my account and then use two gift cards to give it back to them and they did this twice On the next day the second time was in the amount of XXXX and that was for what they said was to fix my credit score so the loan company itself would approve of the loan since at the time I did not have good credit. A couple of days went by and then I noticed that my bank account was overdrawn by {$2500.00} I then called my XXXX XXXX  about that and they said two amounts of {$900.00} and {$730.00} were waiting to be processed to be put back into my account then my balance read {$1400.00} on XX/XX/2020 I tried to close that account and open a new one but the bank rejected it and cancelled all my accounts My account however is as also attached to my Mothers accounts and then the bank then took my mothers available funds and her payroll in the total amount of {$1000.00} on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I opened a new account with Schwab and started a transfer within a week to funded it with {$100.00}. After the ACH transfer was sent, my account was locked due to fraud protection with a prompt to call support to unlock the account. Upon calling them for the first time on XX/XX/XXXX I was told to wait an undefined amount of time for the fraud team to complete their investigation. 11 days later on XX/XX/XXXX I call back requesting a time frame to complete the investigation and unlock my account to which I am denied any information about dates or how to assist in expediting the process. Three days later on XX/XX/XXXX I call again requesting if I can go in-person to verify my identity and unlock my account. The representative tells me yes I am able to do so and suggest the nearest local branch to provide the service. Today on XX/XX/XXXX I travel to the suggested branch only to be told that they are unable to provide me with the described service and suggested I travel even further to authorized branches to unlock my account. This attempt to open a new account has so far has wasted over a week and XXXX miles driven only to be told to drive another XXXX miles to attempt to fix the problem. On this same day XX/XX/XXXX I've request to close my account and my {$100.00} back to which I was denied.
Product: Debt collection

Original Debtor was medical, with XXXX XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.
Product: Checking or savings account

I open a account with capital one and i deposit money to my the bank a year ago. and i still have XXXX dollar in my account. 
they put my account on hold and close my account and say that i cant withdrawn my money and told me have a nice day. 

i think there was a FDIC act that and banking rule that they suppose to give you back your money and closeing your account becuase they choose not to do business anymore. 
for a period of time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset due to inquiries that are being shown on my credit report. This was my last resort. I was told to contact the credit bureau and the credit bureau told me to contact the creditor but they told me to contact the credit bureau in which I did after sending them over 5 letters in which the last letter I send them was certified at the post office tracking number- XXXX XXXX XXXX XXXX XXXX in which it went ignored and transunion refused to remove these inquiries after I informed them that I didn't authorize anyone to run my credit and do any hard pulls placing damage to my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



Name accounts below : DP OF EDUC XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have had a Home Mortgage loan with Wells Fargo for 12 years. My payments are due on the XXXX of the month and I make them on the XXXX of the month. 

Last month I got a notice that they were transferring my loan servicing to another company. The notice said the other company would reach out to me. Given the nature of scams these days, I was skeptical. I never received another letter about this from XXXX or the other company. No confirmation at all. 

I went to make my loan payment today and the Wells Fargo site said it was transferred. I called Wells Fargo and they confirmed. They could not help me. They did not know anything about how to handle my payment ( which is due now! ). How could they transfer my loan on the day the payment is due and not know how to help me? 

I called the new company and they said a welcome letter should go out in the next ten days. They said I could make a payment but they could not guaranty it would be applied properly. 

Why on earth would I make a {$3900.00} payment to someone I do not know!!! 

Now I am stuck not knowing what to do about my loan. I plan to wait for the welcome letter but I am concerned about my credit score and the interest that is accruing on my loan. 

I am also concerned about my tax reporting since Wells Fargo thought it was a good idea to do this in the last month of the year. 

This appears typical of Wells Fargo caring about their bottom line and not at all about their long term clients.
Product: Credit card

I applied for the XXXX XXXX XXXX XXXX XXXX XXXX through Chase on XX/XX/XXXX and realized that I applied through the wrong link and would not get the welcome offer that I wanted. I had applied through a referral link ( XXXX free nights welcome offer ) when I wanted to apply directly through the XXXX website ( XXXX points welcome offer ). 

I called Chase Customer Service on XX/XX/XXXX about the issue, and the agent that I spoke to at XXXX XXXX PST told me that they could not switch the welcome offers, but we could submit a rejection for the card. 

I specifically asked if there would be any repercussions, and she stated that there would be none besides the points docked from my credit file for the inquiry. She said it would be as if I had never applied for the card. The card would be closed and removed from my account history, and I would be free to apply for the same card again after 24 hours. 

I submitted a new application for the same card on XX/XX/XXXX at XXXX XXXX  PST. It was not approved, so I called Chase again on XX/XX/XXXX. I spoke to four different departments, and they told me that my application was rejected on the reason that I already had a card of the same type. The agent I spoke to on XX/XX/XXXX had given me the wrong information. The card could not be removed from my account, and I would need to wait 30 days before applying again. The card would also remain on my credit file as a cancelled card. 

The last person I spoke to was an Account Manager at XXXX XXXX PST. He repeated " Whether or not [ the previous agent ] gave you the wrong information, you would be in the same place now. '' I gave the time stamp of the original call with the previous agent, as all calls with Customer Service have a recording, and he said, " That's nice, but there's nothing we can do. '' I requested some type of compensation or consolation, as the only reason why I went ahead with the cancellation and reapplied was on the incorrect information the Chase agent gave. He refused and said he is unable to provide any type of compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX
Product: Debt collection

I will pay the amount owed, I just need information on how to pay $ XXXXto whoever I owe it toXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related to me
Product: Mortgage

Primary complaint is that Wells Fargo Mortgage Agent XXXX XXXX ( ID XXXX ) requested that I sign a knowingly false document to  continue my loan application. 

Working on a mortgage refinance starting at the beginning of XXXX. Had already had a number of minor problems in the process. On XX/XX/2020, XXXX sent a XXXX XXXX with the wrong number of years and interest rate ( sent 30 year at 3.625 rather than a 15 year at 2.75, which is what we had discussed. ) When I notified him of the problem, XXXX requested that I sign the contract anyway so that a " new '' contract could be issued. 

I specifically asked if XXXX was requesting me " to sign paperwork that you know is incorrect. '' He responded yes. See emails from XX/XX/2020 - attached. 

I refused to sign the paperwork and contacted XXXX 's supervisor, XXXX XXXX, who generated a review by XXXX XXXX, Case Specialist, Home Lending Executive Office, ( XXXX, extension XXXX ). 

Ms. XXXX sent a letter dated XX/XX/2020, stating, " While researching this concern, we found that the initial disclosures were issued with incorrect information. We made needed updates to your application ; however, our system would not allow us to send updated disclosures to you, until you acknowledged the initial disclosures. '' This is similar to the statement made by XXXX XXXX, and I still find it highly suspicious. Wells Fargo requested that I sign a knowingly incorrect contract that " acknowledge the initial disclosures, '' which were wrong and would potentially have made me contractual obligated to the wrong number of years and interest rate. 

I consider Wells Fargo 's actions fraud, and consider their review as a dismissal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Product: Credit reporting or other personal consumer reports

I called and dispute a westgate foreclosure on my credit report. 
Came back verified. I HAVE NOT had a foreclosure drone anyone. I applied for a loan with XXXX and have been given the run around since the XXXX of XXXX to now find out its due to. Foreclosure on my Experian report. 
I contacted Experian and was informed the dont verify information they only contact the said company any they are supposed to report honestly due to the law I told them I wasnt satisfied with the respond because the same information was resent and they constantly reported inaccurate information that allowed my XXXX XXXX XXXX with Experian to have XXXX denied my loan. 
I contacted and sent XXXX ( XXXX XXXX an email and several call to not be responsive.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred dispite having sufficient funds when the transaction were authorized I wa charged fees due to lag posting of charges and credits this issue aligns with the CFCB findings against navy federal
Product: Credit reporting

There is a bankruptcy on my experian credit report in which experian indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.
Product: Prepaid card

I received two Amex XXXX XXXX. They included an email You have received an American Express XXXX XXXX from XXXX. On there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I have made multiple attempts to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. I have also attempted to use the card elsewhere online to no success. It is also difficult to see my balance due to Amex showing multiple transactions for one purchase some pending and others successful. Many people have reported having this problem over the past years.