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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

AES is reporting old AESXXXX accounts with a XXXX balance to my XXXX and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). The following account show inaccuracies Account Name : XXXX XXXX XXXX ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>2024, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i. Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. Thank you for your attention to this issue. Sincerely, XXXX XXXX XXXX/2024
Product: Credit card

On XX/XX/year>, I paid {$200.00} for an orientation with XXXX  XXXX which they said I would get back. XXXX from XXXX  XXXX called me on XX/XX/year>, and he asked me personal questions about my life and why I wanted to join ( kind of like a psychiatrist ) so I poured my heart and soul out to him in the questions. XXXX asked me if I wanted to subscribe to better my health, I was crying and agreed to the subscription and gave them {$2800.00} for a 7-month subscription which I could cancel at any time. I looked at the information they sent me and it wasn't different from anything else I had looked at before. I thought it would be a different weight loss program from all the other programs I have been on, and I let them know that. They said it was and sent me an app, which I already had on my phone, XXXX XXXX, which I had already seen in the other programs, and a coach that had me eating XXXX calories per day to lose weight. I emailed and texted them about canceling the subscription and they said, I could not cancel. I showed them the policy which says that I can cancel at any time and they still would not let me cancel. They have now shut down the account that they opened for me and I am out {$3000.00}. I have contacted Capital One twice about this amount and have sent Capital One this information and all the emails, texts, and a dispute letter they wanted to dispute the amount of {$3000.00}. Capital One keeps sending a letter saying I have not sent them everything. I have never been late on a payment with them and never had a charge that I did not pay.
Product: Debt collection

Achieve Personal Loans sent me threatening messages stating they charged my account off and sold this information to XXXX, XXXX, and XXXX to damage my consumer report. The contract is the security being used as collateral. The contract itself has been sold for profit for XXXX XXXX XXXX parent company Freedom Financial Network. XXXX XXXX XXXX  is the bank that does the securitization for Achieve Personal Loan. Achieve did not disclose any of this information to me when they issued this contract, they led me to believe that XXXX XXXXXXXX XXXX  loaned me something of substance but they did not. The Federal Reserve Act Section 16 sub section 2 states The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. 

This entire contract from the time of issuance has been under deceptive pretenses and Achieve Personal Loan and XXXX XXXXXXXX XXXX  knew fully well they were the only ones that would gain from this contract. This has caused me damages and pain and suffering by taking my compensation for a debt they knew I did not owe and that the interest that the security gains each month should have been applied to the balance thereof until the security fully matures and pays out then the balance should be returned to me. 


Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Product: Credit card or prepaid card

My name is XXXX XXXX. I was just made aware of the collections of a credit card in my name due to it being on my credit report. I have contacted local law enforcement as well and still nothing done. In XX/XX/2016 a card was opened in my name through XXXX department store. I did not open the account and do not have any knowledge of this account. It is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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

Pacific Credit Collection is claiming that I owe {$3900.00} for a disputed bill with a veterinarian located in XXXX, CA. This is unfairly affecting my credit score. Because the transaction was verbal, apparently, I have no proof that what I am disputing is correct. We verbally authorized XXXX XXXX on our Pug, and the Vet performed an additonal XXXX without our consent, which ended up killing our dog. Now, 8 years later, they have put it on our credit report and there is no recourse for me. How is the possible? Please help. 
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX XXXX I received a letter informing me that Mr. Cooper required proof of flood insurance on a condo I own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I uploaded proof of insurance. On XXXX XXXX, I recieved an email from mycoverageinfo.com stating that the information was received.

On XXXX XXXX I received an email mycoverageinfo.com stating that the information was processed.

Then on XXXX XXXX I received an email saying Mr. Cooper procured flood insurance on my behalf and WITHOUT MY CONSENT! The charge also overdrew my escrow. This is now a serious mismanagement of funds.

I immediately opened a ticket on Mr Coopers messaging system and uploaded the proof of flood insurance again. 

On XXXX XXXX XXXX I called to complain and was told that the insurance information had been recieved and that Mr Cooper would confirm the insurance and reverse the Escrow charge of {$1500.00} immediately.

Again, this did not occur. On XXXX XXXX XXXX weeks after I had submitted proof of insurance. Mr Cooper still did not correct the situation and performed an escrow analysis that increased my monthly payment to cover the amount they wrongfully and knowingly mischarged on my account. 

I feel that Mr Cooper is violating my consumer rights and I would like the Consumer Financial Protection Bureau to investigate these complaints.
Product: Mortgage

To : consumer Financial Protection Bureau re : PHH re-finance mortage application fee XXXX/XXXX/XXXX To Whom it May Concern : Near the end of XXXX I telephoned my mortgage company, PHH Mortgage to investigate re-financing my home mortgage in order to reduce the interest rate and attempt to get my payments lowered. My employment scenario changed in XXXX and I have been struggling to meet the high mortgage. I have demonstrated reliability but was seeking help. 
After several lengthy telephone calls giving all the required information they then forwarded a lengthy application with very strict return date guidelines. 
The bottom line is that in the initial conversations, I was led to believe that my current salary would be part of the evaluation process. I was encouraged to include documents in the application that demonstrated my new contracts with more hours for this coming year/season. At no time was I told the only my last 2 years of tax returns would be used to evaluate the application final approval. 
In the end, after meeting all of their deadlines, and slow-downs, and requests for further documents, even adding my mother as a co-signer and gathering her documents, signatures, etcetera, my application was turned down. PHH wants to keep the application fee. 
I believe that I was purposely misled. Everything from long, wearing-you-down-style phone conversations ( in car salesman fashion ), to mis-representing what would be required, to extreme enthusiasm and nearly promising that the loan would be approved, to the extensive providing of documents, even repeats in comparison to the application items, the delaying of their response to those documents, and ultimately delaying a firm answer until their fee had gone through on my credit card. I had been willing to compromise at XXXX point, If they would agree to provide me with a complete copy of the house appraisal and return half of the application fee, I would have accepted. Currently, PHH sees no fault in their action and refuses to return the application fee, which frankly, I can not afford. 
I deem this to be under-handed business practice, unethical, unacceptable. My naivety about what would be required for a refinance, is admitted, but certainly, it is not a good enough reason to suffer such business practices. 
The fact is that they never told me in the initial calls that only my previous 2 years tax return income would be used. That would have saved many many hours, time, stress. 
I seek help in getting my application fee refunded. If there is any education and guidance you can give me in the matter, I would be grateful. 
Thanks you.
Product: Debt collection

On XX/XX/2009 I defaulted on a mortgage loan number XXXX. On XX/XX/2009 a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,
Product: Credit card

I recently accepted an offer for the GM " XXXX '' rewards card. I created an online account and enabled online billing statements as I do with all of my cards. Shortly after doing this, CapitalOne started listing the online portal as " Website Maintenance in Progress ''. I have tried to access the portal on numerous occasions over the past month but the portal has been " Website Maintenance in Progress '' every time I have attempted to access it. Given the maintenance, I can not log in to my online account to make payments, or more importantly, receive my billing statement. I was forced to make a phone payment on this account without being able to review my statement for accuracy. 

I contacted CapitalOne on several occasions via social media and email but I never heard back from them. This has been ongoing for well over a month and it is unacceptable.
Product: Checking or savings account

On XX/XX/XXXX, I wrote my rent check for {$4400.00} and put it in a mailbox near my apartment to deliver to my landlord ( XXXX XXXX XXXX ). The check was deposited on XX/XX/XXXX. 
In XX/XX/XXXX, I received my rent from my landlord for twice as much. When I went to my Chase account, I saw that my check had been digitally deposited and endorsed by an entirely different person ( XXXX XXXXXXXX ). I reached out to my landlord and they confirmed their office had not endorsed the check and they did not receive it. They sent me evidence of a stamp they typically use for endorsing checks ( XXXX XXXX XXXX ). 
On XX/XX/XXXX, I went in person to a Chase branch and filed a fraud check claim, which required consent from both myself and my landlord that the check was fraudulently endorsed and my landlord did not receive the check. Chase let me know that it could take up to 90 days for my case to be resolved.

I then proceeded to hear nothing from Chase for almost 3 months. On XX/XX/XXXX, Chase contacted me with a very brief letter stating they had not heard from the depositing bank, XXXX XXXXXXXX XXXX, and they'd be closing my claim at the 90 day mark and would not recover my funds if they did not hear back by the 90 days. 
This was extremely upsetting that I did not receive a case update from Chase until 5 days before they warned they'd close my claim and would not be recovering the funds. 
I reached out to XXXX XXXX  XXXX and they shared that they never received a fraud claim from Chase. They proceeded to share the email, subject line, and body of the email Chase should use to contact them. I called Chase to share this information and Chase said they could not confirm if they actually send the fraud claim to XXXX XXXXXXXX XXXX. 
Chase lied to me as a customer and showed gross negligence in protecting me and my money. I started banking with them as a XXXX XXXX XXXX and I will be closing my account after this terrible experience.
Product: Bank account or service

On XXXX XXXX 2016 my ATM/Debit card was Lost or Stolen. I called Bank of America to report the card missing. The agent said the card would be blocked and a new card sent 7-10 days. I asked if I could obtain a temporary card to use from the local branch on XXXX, AZ XXXX. She said that temp cards were available. The next day on XXXX XXXX I visited the local branch to take out some cash and get a temp card. The agent that was assisting me said my missing card was not previously blocked. We blocked the card and I obtained a temp card. The next day my bank statement showed a {$5.00} fee billed to my account. It 's listed as " Replacement ATM or Debit Card Fee {$5.00} ''. I was never told during the times I spoke to Bank of America agents that I would have a fee. Charging a fee discourages me in the future from blocking a stolen card to try an avoid this fee. This is not fair and I believe violates my rights as a consumer to protect my funds, which I had just gotten paid. So the potential loss to me was great. For Bank of America it was an opportunity to make a profit. I did locate on their website this statement : Replacement ATM or Debit Card Fee {$5.00} per card Fee for each requested replacement of an ATM or debit card, including the replacement of debit sticker ( tag ) or other debit access device. The replacement fee does not apply when we replace a card upon its expiration. Bank of America Advantage ( R ) with Tiered Interest Checking Accounts, Bank of America Interest Checking ( R ) Accounts, Platinum Privileges ( R ) and Preferred Rewards customers qualify for a waiver of this fee. 
This nuisance fee takes advantage of people, like myself to protect my money from fraudsters and thieves. Please investigate this issue. Just because they have it listed in the fine print does n't mean it 's valid. Thank you.
Product: Prepaid card

About 2 weeks ago ( XXXX XXXX, 2015? Rush Card ( UniRush ) said they would be doing a system update. Well since then I have been unable to access my funds. I have called everyday since this has been going on and still havent heard anything. I have been told they cant access my account and that its being worked on and there is nothing they can do. They have a system called Rush Goals that is like a savings and I have money in there that I cant access to withdraw off the account. I have been a member with Rush Card for 5 years and this is unacceptable. I have contacted them via phone, email, XXXX, XXXX, and XXXX and no response from anyone. I need my money, that is money i use to set aside for grocerys and I cant do that. Please, Please Help Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX XXXX XXXXXXXX account XXXX ; US BK COURT account XXXX ; XXXX account XXXX XXXX XXXX account XXXX ; and XXXX XXXX  XXXX account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report i have inquiries that i did not authorize or have knowledge of XXXX XXXX on XXXXX17, XXXX XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX XXXX on XXXXX17, XXXX XXXX/XXXX on XXXXX17, and XXXX XXXX on XXXXX17. XXXX XXXX on XXXXX17, XXXX XXXX on XXXXX17 and XXXX/XXXX on XXXXX17
Product: Credit reporting, credit repair services, or other personal consumer reports

Lane Bryant retail account through comenity bank has not updated correct balance in over 5 months. Our balance has been XXXX for several months and but is still being reported a balance of XXXX. 

Requests to have the balance accurately reflected as a XXXX balance have not been responded to. Response is they are in process of changing over their systems - however 5 months of inaccurate reporting of balance is beyond a reasonable expectation. 

When calling customer service, you reach someone out of the country, who says it will be another XXXX billing cycles which would be a total of XXXX inaccurate reporting.
Product: Mortgage

I have made every payment on time! Mr Cooper lost 2 of my payments. I have tried fixing this with them by providing bank statements to show I HAVE PAID ON TIME. They refused to correct their mistake. They now reported my account as 30 days late. I dont know what to do they wont fix their error!
Product: Checking or savings account

I authorize a transaction for {$31.00} to be transferred from my bank account and I charged {$300.00} instead. I disputed this transaction with my bank wills Fargo but they didnt resolve the issue.