23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account XXXX XXXXXXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Debt collection

The company has Called me a number of times and everytime they have failed to prove id for the company they are with and keep asking for personnel data before id the company they work for. I have told them to stop calling due to them not being able to id themselves before they seek personnel information. They called on the XX/XX/XXXX and XX/XX/XXXX and on the XX/XX/XXXX i told them not to call due to that they would ask for information without letting me first know what it is was for.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Experian for Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian Consumer Services for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This non-compliance has resulted in a violation of my federal rights, causing me significant distress. 

On XX/XX/year>, I sent a dispute to Experian Consumer Services regarding a fraudulent account appearing on my credit report. The dispute was sent to : Experian Consumer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The dispute was sent via certified mail with tracking number XXXX and was received by Experian on XX/XX/year>, at XXXX AM. 

Despite my detailed dispute and previous attempts to resolve this issue, including filing a complaint with the CFPB on XX/XX/year> ( XXXX XXXX. XXXX ), I have not received a response. The company in questionXXXX XXXX XXXX XXXX, has not responded to my CFPB complaint, and Experian has failed to conduct a proper investigation of the disputed account. 

This fraudulent account, which is associated with Account XXXX XXXX, is being reported inaccurately on my credit report. I have also filed an FTC report ( Report XXXX. XXXX ) regarding this issue. However, Experian has yet to provide any explanation of how they conducted their investigation or how they verified the legitimacy of this account.

I am deeply concerned about the validity and accuracy of Experians investigation process. The lack of response and proper validation from both Experian and the reporting company constitutes a violation of my rights under the FCRA. This has caused me severe emotional and financial distress, including loss of sleep, for which I have had to take sleeping medication. 

I respectfully request that the CFPB take the following actions : Investigate Experian Consumer Services for willful non-compliance with the FCRA. 
Demand the immediate deletion of the fraudulent account ( Account XXXX XXXX ) from my credit report. 
Ensure that Experian provides a notarized affidavit confirming that the information reported is accurate and that their investigation was conducted in compliance with the FCRA. 

Please note that this is my final attempt to resolve this matter before pursuing legal action. 

Enclosed are copies of my dispute letter, the FTC report, and the CFPB complaint details. I trust that the CFPB will take swift and decisive action to address this serious matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I filed a dispute with all 3 credit breaus to remove XXXX XXXX is a fraudulent item Report # 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

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my [ account/reference number ]. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department on [ list dates of previous attempts ] to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Product: Debt collection

Back in XXXX, I entered an agreement with Jefferson 's to pay off a charge for a settled amount. The agreement was binding, and I paid my portion of the agreed-upon debt. However, as of yesterday, they added to my credit report an amount that was still owed. This search is a breach of contract, and as an attorney, I will pursue this as a breach of contract claim.
Product: Student loan

My account was inaccurate an amount of XXXX was borrowed, for the XX/XX/XXXX-XX/XX/XXXX academic year yet ; certain amounts haven't been applied correctly, plus I need to continue to manage my own money. They've taken the authorization for granted ; especially being that had given non. I've received small checks when there was no enrollment, my tuition amounts keeps a flip flopping, and they keep charging me when it's already been paid for. And there was an approved XXXX dollar scholarship leaving me, with a " supposed '' debt XXXX what kind of institution does that?
Product: Checking or savings account

I ca n't access my money from my app because the bank does n't update my transactions
Product: Vehicle loan or lease

My car was financed with Wells Fargo Dealer Services. I had to declare bankruptcy after being diagnosed with XXXX XXXX. I continued to pay my car payment I did become a month behind I called them and told them when I could make the payment and they agreed to this. A couple days later I went out side to get in my car and it was gone repro. In the state of SC if your vehicle is repo you can not get it back. Because I had made the arrangements with them they allowed me to pay fines fees totaling about XXXX in order to get my car back. This was in XX/XX/XXXXor XX/XX/XXXX. Due to this process happening I refinanced my car with another company. Most interest paid car had about 2 years to be paid in full. When I refinanced of course my interest rate went from a 3.5 to 15.7 percent. People who become sick no fault of their own can find no help anywhere we lose everything.
Product: Mortgage

Back in XXXX of XXXX, I applied for the Florida state Homeowner Assistsnce Fund ( HAF ) to help me be able to make my mortgage payments. I called my mortgage lender in XX/XX/2022 to request a Covid forebearance and they applied the forebearance to my account. HAF approved to pay my mortgage for the next 18 months starting in XX/XX/2022. HAF has sent checks directly to the morgage lender American Financial Network and their subsidiary XXXX. Checks were mailed to the address on my mortgage statement which is the one I make payments to usually. American Financial Network or AFN and XXXX have not been able to locate or apply thise checks to my account. They accept HAF payments but are not taking the necessary urgent steps to ensure that my checks are located and posted. Since XX/XX/2022 until now I have made so many phone calls and spent at least 20 hours on the phone and I got absolutely no resolution. I was told every excuse as to why the checks have not been posted. Things such as that they are backed up, or that I havent sent the document to the right email even though I sent to all the emails that they told me to send to. They tried to blame me and say that I did not send the email showing the letter from HAF when I have proof I have been sending the same letter since XXXX and they finally acknowledged and posted the letter in late XXXX. There is no sense of urgency and I dont know what else to do anymore. I called yesterday and was told that HAF needs to contact them directly. I called HAF multiple times and they told me over and over that there is never a need for them to contact the lender because all necessary documentation have been provided to me and I uploaded thise documents to XXXX  or AFN. HAF told me they have never experienced such issues with any other mortgage lender and they can not understand why AFN or XXXX are refusing to post and locate those checks. I looked ar XXXX  consumer reviews and they were frightening. I read a lot of the same issues and complaints that I am dealing with. That is why I am reaching out to you to please help ensure that they do what is right. It is beyond frustrating knowing that my approved funds have been sitting there untouched when they should be applied to my account. This is my life and home in the balance and they told me this was not an urgent matter.
Product: Credit card or prepaid card

In XXXX I received a letter from Chase Bank stating that my credit card account that was not delinquent and had always been paid on time since opening 8 years ago, would be closed. The reason given was that it was associated with an account that was closed. I am not and have never been the primary account holder of any other accounts at Chase, but my mom did add me onto her checking and savings accounts years ago in case of an emergency. When I reached out to Chase about this, I was transferred XXXX  times. The XXXX  person I spoke with told me that my credit card account would be reinstated and no further action was required by me. A few days later, my mother received a letter similar to mine, but it only stated her checking and savings accounts would be closed. Not her investment accounts OR her credit card account. To date, her Chase credit card is still active. Today, XX/XX/XXXX, I discovered that my credit card account has indeed been closed. I reached out to Chase and was told that the person I spoke with last month lied, that my account is closed and there is nothing I can do about it except apply for a new credit card with them. They would not give me any reason as to why my account was closed. I am frustrated that not only was my account closed after I was told it would not be, but also because I am left wondering why this happened in the first place. I travel frequently for work and had this happened to me XXXX weeks from now, I would have been in another state without a credit card to make purchases with. Speaking for all Chase customers, I feel like we are owed an explanation as to why our accounts are selected to be closed for what seems to us to be random reasons, and they need to work with their representatives about telling the truth when it comes to account status.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had XXXX late payments on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has XXXX not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.
Product: Credit card or prepaid card

XXXX mandating owners to use Bank of America merchant services to receive kickbacks. 
In turn costing owners more money than other competitive merchant services.
Product: Debt collection

the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished MULTIPLE accountS that I did not agree upon and i didnt sign an agreement on. A legal contract is signed by two parties ana I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collector to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights
Product: Debt collection

Notified creditor via writing that this is not my debt. Also informed creditor I never had an account with their company. Company has not responded in writing to complaints. Company continues negative reporting. Destroying my ability to obtain new credit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolutions 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

Ally Financial used my credit report on XX/XX/2021. It is an inquiry on my credit report.I did not give this company permission
Product: Credit card or prepaid card

XXXX XXXX  WILL CLAIM THIS IS DUPLICATE LIKE THEY DO WITH ALL COMPLAINTS SO I WILL NOT INCLUDE THEM. When things open back up I will follow up. See attatched FTC IDTHEFT case XXXX CONFIRMING NO ACCESS USAA & XXXX XXXX  TO NO AVAIL. ** I followed all Government Guidelines for FRAUD ON ACCOUNTS TO NO AVAIL. NEITHER BANK FOLLOWED STATUTES for FTC ID THEF. Banks do NOT!! Banks do NOT PROVIDE ACCESS to my XXXX XXXX & XXXX XXXX  XXXX. What are the WEB ADA GUIDELINES? ( What Watchdog Agency oversees ADA Access to Financial Services On Line?? ) WHAT ARE ADA ON LINE LAWS TO PROTECT? TODAY 'S World IS ALL ON LINE. XXXX PEOPLE MATTER!! ( ** USAA & XXXX  HAVE A FINANCIAL RESPONISBILITY TO PROVIDE ACCESS. ) I Request USAA & XXXX  SEND SPECIFIC ( everything needed to hook up ) INSTRUCTIONS FOR ACCESS. ie What tech EQUIPMENT is required? What ADA tools Available for Access XXXX XXXX XXXX? Please send to my home address on file. WITH BRICK & MORTOR STORES GONE IN NEW AMERICA XXXX NEED NEW ADA LAWS ACCESS ON LINE GUIDELINES FOR ACCESS TO ALL FINANCIAL SERVICES. Able Bodied Work from Home Citizens Now Scream for Access XXXX HAVE BEEN DENIED.
Product: Student loan

I graduated in 2012 and have been making payments monthly for a {$7500.00} Discover Student Loan. My current payoff is {$9800.00}. I have already paid $ XXXX towards this loan. That breaks down into {$1300.00} going towards principal and roughly {$7500.00} paid towards the interest. The interest alone is more than the original loan. So I asked them about lowering my interest rate or allowing me to refinance so that I can pay down more on the principal. The ONLY offer they have for lowering the interest rate is to save a quarter percent by switching to Auto Pay. They will not allow me to refinance with them and because of this loan I can not get another loan to cover it. I will end up paying triple for this loan and not even pay it off until I'm in my 50s.. Please help!
Product: Checking or savings account

I purchased a product ( auto part ) from a merchant, and when I received this product it was faulty/broken. The company refused to refund me for the product. I bank with Regions Bank and so I filed a dispute about this transaction. I was told that because the merchant used XXXX to process their credit and debit cards that they would not provide me with a provisional credit or protect me in any way. Every merchant uses a third party to process credit and debit card transactions, just because this company uses XXXX does not mean they get to XXXX people over and nothing can be done about it. Regions failed to protect me as a customer in the most basic sense of the word. I will be banking elsewhere as soon as humanly possible, but I do not want this organization to get away with this kind of treatment and or policy.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX , XXXX, AZ, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union and XXXX has refuse to follow the FCRA AS SET FORTH IN THE GUIDELINES OF 15U.S.CODE1681 CONGRESSIONAL FINDINGS AND STATEMENTS BOTH HAS VIOLATIONOF 15U.S.CODE1681 UPON RECEIVING MY CREDIT REPORT BOTH AGENCIES HAS COMMITTED FRAUD BY PPLACING MISLEADING INFORMATION ON MY CREDIT REPORT. SECTION. 604 FCRA SECTION 623 OF THE FCRA THE INACCURATE INFORMATION HAS IMPACTED MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got all other inaccurate items off my credit report except for these. XXXX deleted them. 
us dept ed, XXXX XXXX {$3700.00} us dept ed, XX/XX/XXXX {$3600.00} us dept ed, XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Ed financial XX/XX/XXXX {$0.00} Ed financial XXXX, XXXX {$0.00} Ed financial XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 EQUIFAX MORTGAGE SER XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 EQUIFAX MORTGAGE SER XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX