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

I am filing a complain against Experian for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, Experian 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions my also contravene the Consumer Financial Protection Act, ( CFPA ), 12 U.S.C 5356 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.8:25-cv-00024 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy federal charged overdraft fees that caused my account to close because the total was so high. I tried to explain that some of the charges were fraudulent but they kept adding fees. I have 2 accounts they closed a business and a checking. At this time I can only deposit into my accounts thats all. Because they opened new accounts after the closed them both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, XXXX, EQUIFAX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The credit bureaus have to inquire why my letters are unaddressed within 30 days.

CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days.

CFPB has to require that the credit bureaus remove the negative items from my credit reports.
Product: Debt or credit management

Dear Sir/Madam, I was referred to you by Florida 's Attorney General XXXX XXXX XXXX after a file a complaint directly with her office.

I am writing to file a formal complaint regarding a fraudulent debt relief company that is a scam and have ruined my current financial situation and my future. I was targeted by this company in XX/XX/XXXX when they falsely promised to negotiate, settle and eliminate outstanding debt I incurred after the Covid-19 pandemic in XXXX for a large upfront fee. I found out they weren't working on my behalf when I was served court papers because I was being sued by XXXX XXXX XXXX and other creditors. 
This company charged me over {$11000.00} in fees without negotiating any of my debts, in fact they never even attempted to do so on my behalf. I tried getting in touch with them unsuccessfully and ultimately, I had to settle all those accounts on my own and yet all my money is gone ( about {$20000.00} ). This company drafted money from my account monthly ( about {$700.00} a month ) from XX/XX/XXXX to XX/XX/XXXX without negotiating my debt. 

I am a XXXX citizen with several medical problems. I bought my condo in XXXX and it was almost paid off, with only {$70000.00} balance which would have been paid off in about 5 years just by the time I was expected to retire.

I had to refi my mortgage in order to pay all those accounts and avoid all the lawsuits against me because they scammed me. Now my financial future is dark because I will not own my home when I retire and I have now a 30 yr mortgage that I will never be able to pay it off. This is criminal practice and I would like not only to get my money back but I want them liable for making me lose my home. 

I signed the contract with this Company : STRATEGIC FINANCIAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone : XXXX Website : stratfs.com Then they assigned my account to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX Phone : XXXX Website : XXXX The company that drafted money from my account monthly : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Website : XXXX XXXX I can not afford an attorney and I am desperate for help.
Product: Credit reporting

Telephone numbers listed as XXXX and XXXX have never been associated with me.
Product: Debt collection

I WANT TO FILE A COMPLIANT AGAINST THIS COLLECTION AGENCY REGARDING AN ACCOUNT THATS NOT MINE
Product: Credit card

I paid with two of my company credit cards the sum of {$19000.00} and I already complained to the bank and the bank rejected my claim. I need the money back because paying that campaign where I made the transaction was a scam. The date is XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern according to the Fair Credit Reporting Act ... ..15 U.S. Code 1681c - Requirements relating to information contained in consumer reports It states below that .... 


( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

On my Experian.com consumer report it states. 

Experian  ... ... XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) Experian  ... ..XXXX XXXX  XXXX  XXXX XXXX ... . ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX XXXXXXXX XXXX  ... .. ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... XXXX XXXXXXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

Sincerely, XXXX
Product: Credit card or prepaid card

I have had this Discover credit card since XXXX and have never made a late payment. I paid the card off the card XX/XX/XXXX I came into some money and paid off all my cards.I had some credit issues on or about XXXX but have not paid late on anything since. I'm disputing some 2 medical bills that should have been paid by my health insurance that I know about. I feel discriminated because I was never contacted by anyone to tell me what I should have done to avoid having this {$500.00} credit limit card closed. Please advise on this matter so that I understand why I was treated like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to XXXX on XX/XX/21. They have not provided me a response to date. 
Federal Law says they have 30 days to perform an investigation or the information shall be deleted. They have not provided me with a response to my letter yet.

Additionally, FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from credit reports.

FCRA 15 USC 1602 states credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

My social security card has been used and shall be excluded from my credit report according to the stated laws.

Equifax is also violating my rights to privacy according to FCRA 15 USC 1681 ( a ) ( 4 ) which states the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy I am requesting that this credit reporting agency respect my right to privacy and delete these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Ohio Stated I opened account XX/XX/XXXX and open another account XX/XX/XXXX. There is no outstanding balance. 

This information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian added a consumer statement that I did not request, that caused me to be denied credit today. I have included it below. I asked them to provide permissible purpose for the inquiries on my report in the form of a signature which they did NOT do, they chose on their own to add the statement below instead of following the law and providing what I requested. 

XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.
Product: Checking or savings account

On XX/XX/ we transferred XXXX from XXXX XXXX XXXX to Ally savings account for a {$500.00} bonus that was promised by Ally for external {$50000.00} transferred in and maintained in Ally for 3 months. By XX/XX/XXXX we had not received the promised {$500.00} so we contacted Ally and they asked us to wait a week and check back. After a week they still had no solution then they asked us to wait 2 more weeks. Then on XX/XX/XXXX we contacted them a 3rd time and they said they did not have any solution so I asked them to escalate it and they promised to have a solution in 0 to 2 days. So today on XX/XX/XXXX I checked again with Ally and now they say they have no solution nor a date by when a solution could be had. They claim they have a lot of people in the same situation looking for a solution. Today we also noticed that our account activity history was mostly blocked or wiped from our view.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XXXX of 2022 I disputed inaccurate and outdated information on my Equifax report. Equifax has failed to remove the account and has violated my rights under the FCRA. The account is to old to be on my report.
Product: Credit card

I've had previous issues from this company in regards to payments and how and when they are applied. I truly hope someone from CFPB is reading this because the amount of stress TD Bank causes with what I believe are fraudulent practices is unbelievable. I've attached statements that show I made payments to cover the XXXX and XXXX minimum amounts that are due. Then this morning I get an email that my XXXX bill is {$340.00}. That's double the normal {$150.00}. I've read the statements and billing cycles dates for both and can not understand why the payment doubled. 

Now with a " normal '' creditor I would contact the lender. You can't do that with TD Bank. Oh they say they have a customer service number but I've tried calling it numerous times and you can not reach anyone. You literally will sit waiting for hours, not an exaggeration. How about messaging them through their website? Well I've waited for a response from my last inquiry that was back on XX/XX/XXXX. XXXX months and I still don't have a response. 

Honestly something needs to be done. My payment doubled and I have to spend more time trying to find someone to explain this to me. Can't wait to hear the financial loopholes they'll exploit on this issue. The company is pure and simple, nothing but a scam. You make your payments and they play games with the processing of them.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft due to an equifax data breach. i called to have this fradulente account and inquiries removed but they did not remove them
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed something strange when applying for a financial product. I started the process of filing an identity theft report with the FTC, and began freezing all of my credit reports, which meant creating accounts for the first time with each of the three credit reporting entities.

Everything was fine except for Experian. When I tried to create an account, it said there already was an account using my e-mail. When I tried to use a " forgot password '' link and send a one time code to my phone or email, nothing ever arrived. Eventually, I used a secondary e-mail address to create my account and freeze my credit, and then from there change my email address to the one I tried to sign up with in the first place. This seems to indicate that anyone who has gotten my information from a data breach has free reign to create havoc at Experian, but maybe I'm missing something. 

Either way, when trying to address this issue, there is XXXX XXXX for fixing it. All of the available phone numbers I have found ( XXXX different numbers ) all lead to automated phone services that direct me to the website, but no way to contact anyone regarding this issue. The other credit reporting entities do not seem to have this problem. Experian is avoiding consumers and exposing them to financial risk by not giving them a clear and concise way of addressing issues. They are neglecting their duties by doing this and need to be audited and held accountable. 

Here are the numbers I tried, please see for yourself : XXXX ( the customer service line, no customer service personnel ) XXXX ( the fraud line, with no connection to fraud department ) XXXX ( Supposedly a business account line, same prompts, by saying " transfer me '' I did get the automation to state it can only transfer to a XXXX in specific circumstances with no further explanation ) XXXX ( CA XXXX XXXX, I get hold music by saying I am a business account but no one is answering ) XXXX ( Another false business accounts line ) XXXX ( Fraud Detection with no fraud department connection, automated ) XXXX ( Technical Support with no technical support personnel ).
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.
Product: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$17000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Account charged off FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA violations : not my names XXXX XXXX XXXXXXXX. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

in XXXX, took out a boat loan with Truist bank through the dealer. the loan has not payoff penalties. on XX/XX/XXXX, I logged into my account to payoff the loan. the system would not accept loan payment online over XXXX so it stated : call. 

I called, got a rep on the phone, ( IE foreign call center, ) his english was terrible but I asked for a loan payoff. he provided an amount and then I asked how long is this payoff good for? he replied, today but if your postmark is today, they will honor today. 

XXXX is now ask for an additional XXXX plus in interest and when I called, I got the same answer when I asked, how long is the payoff of XXXX good for. 

this is a scam to prevent a person from being able to payoff the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a XXXX late payment reported on my XXXX XXXX XXXX account XXXX Account Number : XXXX ). This came as a surprise because Ive always made my payments on time, and I take my financial responsibilities very seriously. 

I know how important it is for credit reports to be completely accurate, so Im requesting a thorough review of this error. If theres any documentation that actually supports this late payment, Id appreciate seeing it. However, if no proof exists, I kindly ask that this mistake be corrected and that my payment history be updated to reflect my actual, on-time payments. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I trust that this will be resolved quickly. Please let me know once the correction has been made. Thank you for your time and help!
Product: Checking or savings account

on XX/XX/2019 chase did an unauthorized debit in the amount of {$3400.00} from my college tuition account at the time my account number was XXXX i have since change my account number, i have sent a notarized letter to the complaint dept of chase and i have visited the branched and spoke to a branch manager and was told that i would get a response as to how and why did they take it upon themselves to just take money out of my account. 
At no time did i ever authorized them to debt my account. 
I'm requesting the charge be refunded to my account immediately it has been over 2 months of me calling trying to rectify this and they are just ignoring me. my next step is to take this situation to litigation if they will not return my money to me so i can pay my college loans.
Product: Credit card or prepaid card

On or about XX/XX/2021 my AMEX card was charged a XXXX vehicle transfer fee by XXXX after I tried several time to cancel/withdraw based on the condition of the vehicle. I was told that the car was in pristine condition with no mechanical or cosmetic issues. I requested pictures of any damage no matter how minor. I was told I wold not receive any photos because there was no cosmetic damage. the XXXX representative stated there were no digs, scratches or imperfections. Upon inspection of the car there was obvious paint work and the effort to cover up previous damage.
Product: Debt collection

Bull City Financial has chosen to violate my rights under federal law as a identity theft victim. This company has been notified by myself and also several credit reporting agencies that the account they are reporting has been flagged as fraudulent. Bull City still hasnt corrected their errors and is intentionally reporting Fraudulent information. I have contacted this company over 50 times, the moment I request to speak with their fraud department they immediately disconnect the call. This complaint will also serve as my legal evidence that I have exhausted every means possible to fix this fraudulent issue with Bull City Financial and will be seeking {$250000.00} in Federal Court for Defamation if this issue is not resolved in five business days