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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX RE : Complaint Against Experian for Potential Retaliation Dear CFPB, I am writing to file a complaint against Experian, one of the major credit reporting agencies, for what I believe to be an act of retaliation in response to a previous dispute I filed with them. 

On [ Date of Previous Dispute ], I submitted a dispute to Experian regarding [ details of the initial dispute ]. Shortly after, on [ Date of Credit Score Drop ], my credit score dropped by XXXX points without any apparent reason. I believe this sudden and significant drop in my credit score is a result of Experian retaliating against me for exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

As a consumer, I have the right to dispute any inaccurate or unverified information on my credit report, and I should not be penalized for 
doing so. Under the FCRA and ECOA, credit reporting agencies are prohibited from engaging in retaliatory actions against consumers who exercise their rights under these laws.

I respectfully request that the CFPB investigate this matter and take appropriate action to address Experian 's potentially unlawful behavior. I have attached any relevant documentation and correspondence for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX attorney in fact for XXXX XXXX
Product: Mortgage

I was referred to this broker, XXXX XXXX at Absolute Mortgage at XXXX XXXX, WA, by my realtor when buying a new constructed home. The lender was out of loop at the beginning, but I did n't mind much, as I 'm buying a pre-sale and I had plenty of time. The closing was supposed to be XX/XX/XXXX, and I signed the sale contract at XX/XX/XXXX. 

Fast-forward to XX/XX/XXXX, notice from the lender that the appraisal gon na be late as he did n't submit the rush request. Late appraisal means late closing, so I bite the bullet and extend my lease to XXXX XXXX, as the lender gave his word. 

Fast forward to XXXX XXXX, notice from the lender that the loan amount is different from the number sent over by the seller. Asking around, the lender forgot a notice from the seller back in XXXX, when an adjustment was made between me and the seller about the price. As a result, I have to pull together ~ $ XXXX at the last minute for fill the gap. The lender promise to close on XXXX XXXX. 

Fast-forward XXXX XXXX, notice from the lender the loan documents gon na be late. 

Fast-forward XXXX XXXX, notice comes saying the lender had made a mistake on my documents : my wife 's name is missing. 

Enough is enough. 

So now me, my wife and a XXXX have to move out the apartment as we can not extend our stay again and again. We 're practically going homeless. I 'm also seeking legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX a " retail buyers order '' was signed at XXXX XXXX used car lot for {$11000.00}. 
The amount paid so far is XXXX. 
The vehicles XXXX XXXX XXXX value is worth {$3600.00}. 
When asked for the contract with a wet signature XXXX XXXX sent a " retail installment contract '' with a digital signature on paperwork that I've never seen or signed stating the balanced owed is {$21000.00}. 
XXXX XXXX obscured the true costs of the loan violating the Credit Protection Act of 2010.
Product: Credit reporting

I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX
Product: Mortgage

I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2022. I contacted US bank today and spoke to XXXX who states that they did not receive the payment and can not provide any further information. I want to escalate this matter as the end of the month approaches and I do not want any late payments reported to the credit bureaus. i would like for Us bank to research further to find the payment. Thank you
Product: Credit card

XXXX sent me a email saying that they refund my money for {$330.00} and when I try to upload the email Paypal tells me that the dispute for the amount of XXXX was not on the account I did a dispute with symphony bank and they fail to help me with my refund they say they got it open but its not on my accounts saying the dispute is open but they had a dispute open for the amount of {$31.00} which I did not open that one I asked a them to open a dispute {$330.00} thats been going on since XX/XX/2023 I sent Proof by mail they say they did not receive it I sent Proof by Fax they said they did not receive it I spoke To Customer Service at the bank and she said That the dispute was open and I asked her why its not on the account showing that Im just trying to get my refund that XXXX sent to the bank and they is not Given me no help to locate my refund Its like they dont care just give me an Run around and thatll make no sense its supposed to help me now I have to try to send my proof over again I just want my refund I get to the bottom where is it
Product: Credit card or prepaid card

On XX/XX/2017 XXXX XXXX got a payment from me to post into account ending in : # XXXX for XXXX XXXX XXXX in the amount of XXXX. 

XXXX XXXX did NOT post the funds into the correct account which in fact was included with account # from my bank on the check issued via bill pay my bank XXXX XXXX. confirmation # XXXX check # XXXX. 

I called 6 times and was hung up on 6 times! 
I want MY MONEY credited to the ACCOUNT ending in XXXX!!!, NOT mine! : ending in : XXXX!!! 
The company refuses to acknowledge their wrongdoing and insists that I must keep calling them for updates! 
Look, I do not know about the " lack of accounting skills '' that XXXX XXXX omits from it 's training in bllling and accounting practices, I do know they are a bunch of idiots! 

As a consumer, I do not anticipate me " working '' to correct their " XXXX ups ''. 
I expect the " company '', XXXX XXXX, be held to higher standards within their Orginazition, including adhering to sound business practices and proceedures, not this careless screw-up! 


Sincerley, XXXX XXXX XXXX XXXX cell XXXX fax!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.
Product: Checking or savings account

I am writing to file a complaint regarding a promotional offer that SoFi Bank failed to honor. The promotion, which was advertised through XXXX XXXX, stated that an individual would qualify for a {$400.00} promotional credit to be added to their savings account if they opened a savings account with SoFi Bank and made a direct deposit via ACH of {$5000.00} or more within a 25 days of opening the account.

Following these instructions, I opened a savings account with SoFi Bank and made the required transaction from my bank account via ACH payment. I strictly adhered to the terms outlined in the promotion and the banks terms of service.

However, upon contacting SoFi Bank, I was informed that my ACH payment was not recognized as a direct deposit by their internal systems, and therefore, I did not qualify for the promotion. SoFi Bank representatives stated that in order for me to qualify for the promotional credit, my direct deposit needed to be recognized as such by their system as a direct deposit and these was not a direct deposit ( confusing I know ). This was despite the fact that the transaction was indeed an ACH payment, which is generally considered a direct deposit under standard banking practices as well as being accepted under their terms of services. Over the course of three live chat session
s, I explained to SoFi representatives that I am the owner of the business, and the transaction was made via ACH as a direct deposit, fulfilling the criteria set forth in their terms of service. Despite my efforts to clarify this, SoFi Bank refused to honor the promotional terms, asserting that my ACH payment was merely a deposit and not a direct deposit. They maintained that an ACH payment does not qualify as a direct deposit, contradicting the standard definition and the definition in their own terms of services.

Furthermore, I inquired with the agents if there were any other terms of service that I might have violated, but they were unable to provide any additional reasons for denying the promotion. After being refused the promotional credit multiple times, I decided to empty the account and have not yet closed it pending the investigation Consumer Financial Protection Bureau of the I believe SoFi Bank has failed to honor its own promotional terms and misrepresented the conditions required for the promotion. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in resolving the issue, ensuring that SoFi Bank adheres to fair practices in its promotions. 

Additional Ive documented all live chats, the terms of services, the transaction records and additional documented evidence which I would be happy to provide.
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed a series of accounts under the name LVNV FUNDING ( XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collectors themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing to uphold and violating my rights as a consumer, even entering into a potential identity theft situation. Therefore, I am submitting this complaint to request validation and verification of the accounts, from which they can provide me with certified evidence of where I gave consent to report these accounts on my credit history, as well as the prior notifications regarding the transfer of the accounts from the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi hows it going my name is XXXX XXXX XXXX, I currently am trying to fix my credit to get a house loan with my wife and I see that I got 2 hard inquiries I am not aware about one of them is from ( reliablecred ) and it says finance and idk what that even means the next one is ( CBNA ) and on the bottom it says bank but I do not recognize any of that nor did I apply for anything or try to run my credit cause I know what it would have already said. So how can I get this off of my credit
Product: Debt collection

National credit adjuster {$310.00} PAID Wont remove from my credit report
Product: Credit reporting or other personal consumer reports

Credit card usage account information from XXXX XXXX. 

XXXX XXXX -Last reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXX-Last reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXXLast reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXX XXXX XXXX  -- Last reported XXXX XXXX, XXXX transferred to XXXX XXXX and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX  XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the credit bureaus for failing to address my disputes regarding inaccuracies on my credit report. Despite submitting the required documentation and filing disputes within the designated timeframe, I have not received any response or resolution from the bureaus. This lack of communication has left me unable to resolve the errors affecting my credit score and overall financial health. 

I have made multiple attempts to contact the credit bureaus to follow up on my disputes, but they have not acknowledged my concerns or provided an explanation for the lack of action. This delay and lack of response have caused significant inconvenience, and I feel that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated.

I am requesting that the Consumer Protection Bureau investigate this matter and take appropriate action to ensure the credit bureaus comply with their obligations to respond to disputes in a timely manner. 

My information should be as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Employment should be as follows. 

postion : chief Executive Officer ( CEO )
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. The last letter I sent to the XXXX and TransUnion credit bureaus, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had called Wells Fargo to stop payment on one XXXX  purchase ( paid using my XXXX XXXX card ). I was suspicious that it was fraudulent and was waiting for a call back from XXXX to investigate and issue a new card if necessary. 
Wells Fargo decided it would be appropriate to stop payment on ALL XXXX  purchases even though that is not what I had asked. About a month later I received a call from XXXX letting me know I had a balance with them. I immediately called Wells Fargo to see what the issue was and thats when they told me that no payments to XXXX were being approved from my account. After reversing this, I paid the balance with XXXX and immediately began the process of closing my accounts with Wells Fargo. Id been a customer of theirs since 2007 and had a checking, savings and student loans through them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX DOB XX/XX/XXXX XX/XX/XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. I submitted my FTC report XX/XX/XXXX to remove the fraudulent account from my credit report. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Verification XXXX XXXXXXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the  FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So Experian you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are nincompoops! All of ya, NINCOMPOOPS! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business  practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.
Product: Money transfer, virtual currency, or money service

I am unable to withdraw my funds from my BlockFi wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX on multiple occasions regarding an account that was opened in my name in XX/XX/2018 that I personally did not open, nor was I aware of.
Product: Debt collection

COMPANY XXXX XXXX HAS A DEBT COLLECTOR ' SUMMITED the WRONG INFORMATION NOT MY DEBT AND REQUEST, PROOF OF WRITTEN CONTRACT.
Product: Checking or savings account

My account has been closed without notice. Tried to contact Schwab many times but they don't respond. Went to branch per their instruction today but branch said they can do nothing and won't let us know the reason
Product: Credit card

My husband was in a car accident totaling our car in XX/XX/year> I went into a program with Discover to pay a lower payment for a year, and obligation I fulfilled. During the time I was not able to use my card, and the payments didnt provide any advantage to my account t or balance except to keep it current. After the program was over ( 1 year ) I was told I would be able to use my card, I have since paid down the card with have available credit, but the bank simply says they are in review however my account has been in review for 7 months. No one can reinstate the charging ability, and only said to watch the app for when its released. This is a violation of my rights to use the card after my obligation has been met.