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

My XXXX daughter received a cryptic letter from Experian ( reference attached document, Experian Letter 1 ) dated XX/XX/2022, notifying her a " ... reinvestigation of the dispute ( s ) and/or other request ( s ) [ she ] recently submitted is now complete ... '' The letter went on to provide a lot of impersonalized instructions and other fine print, but the only explanation about the outcome of the " reinvestigation '' was the single word description : " Updated. '' Nobody claiming to represent my daughter, to my knowledge, has ever had any communication with Experian regarding a credit report dispute or similar type of action. No one in this household has had any communication with Experian on her behalf whatsoever, except to request a freeze on her credit shortly after she received her social security number, which was about four years ago. 

Experian provides absolutely no tools whatsoever for a person to receive immediate answers to questions about matters involving minors. They don't have anyone answering the phone except automated voices giving irrelevant messages. Their online access provides no resources for submitting an email or any similar communication for this type of issue. The only possible way for me to get more information was to reply with a physical letter in the mail, with enclosed copies of every possible sensitive identifying document associated with the minor in question. 

I sent Experian a letter of reply, along with all of the supporting documentation, which included a copy of their original correspondence. In my letter, I asked for an explanation for what led to their sending us this letter in the first place, and I also asked for a plain-speaking description of the " re-investigation '' they conducted and what was the " update? '' Their next reply by mail ( reference attached document, Experian Letter 2 ) contained no explanations for the above questions. It was another impersonal work of automation, suggesting " No further action is necessary, '' as if that is a sufficient response for me to feel like this baffling situation is resolved. Their letter also said their " database does not contain credit information about the minor child. '' This seems to be a direct contradiction of what was said in their first letter, but there is no acknowledgment of that contradiction, and no acknowledgment of the questions I went through great effort to ask, which required collecting and mailing copies of identity documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting or other personal consumer reports

I'm not liable for any of this debt with XXXX XXXX XXXX, I do not have a signed contract with my consent with XXXX XXXX XXXX. I requested XXXX to investigate every single matter and upon completing their investigation to provide me with evidence that the account belongs to me as I could be a victim of XXXX XXXX. They did not provide me with a copy of the original signed contract or any proof. XXXX XXXX XXXX XXXX to conduct a proper investigation. 


I have attached a full detail explanation letter along with other attachments to be used as proof
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

Ive contacted XXXX & they told me Ive never missed a payment, yet Experian refuses to remove me from being listed as 30 and 60 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. 
I constantly have to do Experians job for them to defend my credit & prove my identity. 
Ive send documentation ( BANK STATEMENTS ) of months in question prior and they STILL refuse to remove these harmful negatives from my profile.
Product: Debt collection

This company has called me repeatedly using different lines and will not disclose what the phone call is about. They are asking me to verify information from 10 plus years ago and I am not comfortable giving out personal information to people or companies that I do not have any knowledge of. I have repeatedly ask them to specify why they are calling and they have refused. I have also asked each caller to stop contacting me immediately. My requests have been ignored and the contact phone calls have increased. 

This is now affecting my employment. The repeated calls have been noticed and remarked on my by employer.
Product: Checking or savings account

On XX/XX/year> my husband withdrew money from his bank at XXXX XXXX XXXX XXXX XXXX in XXXX, VA. The amount my husband asked was XXXX. My husband gave me the money for me to deposit it into my Wells Fargo account. That same day I drove to XXXX, VA. I used Wells Fargo ATM on XXXX XXXX XXXX, XXXX Virginia. When I deposited the money the ATM registered XXXX I went home to my husband and asked him if it was XXXX dollars that he gave me, my husband responds with " no it was XXXX the teller gave me at XXXX XXXX. He proceeds to show me the withdraw amount on the receipt and clearly on the receipt said XXXX dollar withdraw. I already submitted a claim with Wells Fargo. The following day My husband and I went back to XXXX XXXX and asked if it was a teller error, maybe they gave him XXXX less. XXXX XXXX said that the teller was balanced out.
Product: Vehicle loan or lease

On XXXX XXXX, I applied for financing through Bank Of America and BOA were unable to approve my request. When Bank Of America took action against my application, they provided me with a notice of the action taken against me on or around XXXX XXXX, but did not meet the requirements of the Equal Credit Opportunity Act when notification is required. In this matter, adverse action was taken against me due to my credit history. 

The ECOA requires disclosure of principal reasons for denying or taking other adverse action on an application for an extension of credit. Bank Of America only provided me with key factors that adversely affected my score, which does not satisfy the ECOA requirement to disclose specific reasons for denying or taking other adverse action on an application or extension of credit. Bank Of America is in clear violation of 12 CFR 202.9 ( a ) ( 2 ) ( i ) Furthermore, there were no principal reason ( s ) stated in my adverse action notice on my denial and I was not given an equal opportunity to credit. That constitutes discrimination. I did kindly request, XXXX XXXX XXXX, any information I may present that tends to indicate my credit history being considered by BOA does not accurately reflect my credit worthiness pursuant to the use of my credit history 12 CFR 1002.6 ( b ) ( 6 ). As a federally protected consumer, I have the right to be treated fairly and without discrimination during the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 5 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both XXXX and Transunion are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.
Product: Mortgage

We received an Escrow letter on XX/XX/XXXX that said we were behind on our escrows due to not paying enough on our mortgage. We were paying the amounts if not more that we were billed each month. When I called to inquire on why our payments were increasing monthly, they explained our first payment note from our previous mortgage holder was not calculated correctly and that our payments were now doubled. I requested to speak with the escrow department to whom could not explain how this happened and referred me to the loss mitigation department. I was then told to file for a modification in XX/XX/XXXX. I did and they increased our mortgage payment from {$1600.00} to {$4100.00}. Then we applied again in XXXX and they increased our payment to {$5100.00} and then they put us in a bind financially, liquidating our retirement and putting our other bills behind. The last time I applied for a modification was XX/XX/XXXX and they increased my payments to now {$6100.00}. We never were behind until now and this has been so stressful in trying to get someone in management to care enough to help us. They keep calculating our gross income incorrectly when we sent in pay stubs and W2 's. Please see we are asking for help in saving our home.
Product: Checking or savings account

Chase bank closed my checking account without any notice, I also have NOT received any monies that are owed to me from deposits that were in my account before closure.
Product: Credit reporting or other personal consumer reports

I sent a request to validate or remove the listed accounts back on XX/XX/year> and no one has responded to me. I have reached out to them several times, but no one has responded to me. I am attaching the letter I sent them back on XX/XX/year>. I am requesting the listed accounts be removed from credit report immediately. 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Collector calling my home at XXXX and XXXX in the morning. I am XXXX years old and this has been frightening being awaken in the middle of the night. I have had a couple of XXXX and really can not handle these harassing phone calls. I asked the person to stop calling me because this debt has been turned over to a debt consolidation agency because my husband passed away over a year ago and I am no longer able to handle that bill.
Product: Credit card

A letter dated XX/XX/year> from Citi was received at my home address on XX/XX/year>. The letter was addressed to me, but listed a last name I have not used in many years. Citi stated that the application I submitted for a " Citi XXXX XXXX account '' could not be processed due to a credit lock on my credit. I have my credit locked at all XXXX credit agencies, XXXX, XXXX and XXXX as I do not want accounts opened in my name using my credit that I worked hard for my entire life. 

The notice further states in order to continue processing my application, I would need to remove my credit lock at XXXX. I called the XXXX number on the notice and was finally able to speak with someone named XXXX in the XXXX department. I explained that I never applied for any credit or credit card with Citi. He did assist me with removing the application from Citi, but I asked who applied for credit under my name, when, how, etc. and XXXX stated " he had no way of knowing his information. '' I find it completely unacceptable that someone XXXX have tried to open an account in my name using my credit and that Citi can not provide me with information on who, what, when, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account wi th Portfolio Recovery  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the Navajo Nation Human Rights Commission spurred the FTC to take action which began in XXXX of 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND EXPERIAN ERRORS.
Product: Vehicle loan or lease

HONDA FINANCIAL SERVICES XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX Secured loan XX/XX/XXXX Made a payment of {$400.00}, more than due. Had not received a booklet for payment and did not want to be late. Sent it to their office as per my paper work. 
XX/XX/XXXX Made another payment of {$400.00}. 
XX/XX/XXXX Got a late payment notice, called and spoke to XXXX who said I paid too soon and the payment did not calculate into the billing cycle. I asked if I can have the date due changed to fit my schedule of paying bills. She told me that I have a grace period and that late fees are stipulated after 30 days. 
Therefore, over paid each month, paying my bills on the XXXX of the month. 
XX/XX/XXXX Called a XXXX at at XXXX Called Honda Financial Services to make a final bill but my totals were different than theirs. Asked for a spread sheet or accounting of each interest charge, receivables, and charges to verify with mine. Could not help me but sent a running total that was not clear. 
XX/XX/XXXX Received a " Running Account '' that was not clear and easy to read. 
XX/XX/XXXX I called again and was told by XXXX that I had many late fees and that they will not send me a sheet or accounting. Asked to speak to manager, was told he was not available and I would be sent to his voice mail to leave a message. Asked her, to give him the message and transfer me. 
XX/XX/XXXX Called back and spoke to XXXX, she said she would take the message and also transfer me to voice mail of. Left him a voice mail with all my information and phone number with a XXXX XXXX, manager. 
XX/XX/XXXX Honda Financial Services never phoned me back Dispute : I received NO statement or billing stating that I had any late fees. I made regular over payments, never late as per XXXX to finish off loan sooner than the 5 year plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

On XXXX XXXX my direct Express card was hacked by someone posing as an XXXX employee to help with my account. It was done through my phone. As soon as I realized what had happened I called Direct Express to file a fraud complaint. and cancel my card. I was told I could not file a complaint until the charges actually cleared. I called the following day to start my complaint. They said they would send me paperwork and it needed to be returned by XX/XX/21 to get provisional credit. I never got their paperwork until the XXXX so i overnighted everything to them. I got a letter dated XX/XX/21 stating my claim was denied. I have called several times to request supporting documents on how they concluded their investigation. They simply emailed me back all of the documents I originally sent to them.. One woman yelled at me and hung up. I asked about Resolution E protection and they said it didn't apply to them. I called Comerica bank and they said they only supplied the plastic to Direct Express. I have had my SS on Direct Express because I thought it was safe. I have called several times and been put on hold and eventually disconnected. I have cancelled all cards, accounts, etc. I am having my SS sent to my checking account going forward because I am afraid Direct Express will let this happen again. I spoke to XXXX at your company and he was the first person to treat me kindly since this started. I am having trouble attaching documents.I have several but am unable to figure out how to attach them.
Product: Debt collection

This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is from X/XX/17.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has put a freeze on my account which i am having trouble removing. They have no customer services. Their menu options have two to choose from and then it hangs up on you. How is this OK? They have complete control of my credit and can not address any of the issues. Why are you allowing this terrible company to treat people this way.