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

They tried to open a credit card with my information not authorized. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting

I have repeatedly sent correspondences to Experian regarding accounts that they are reporting incorrectly. I have repeatedly asked for the methods in which they " verified '' the information they are reporting. If they truly would investigate these accounts, they would see the errors.Their lack of response and continuous reporting of these erroneous accounts have severely impacted my quality of life and ability to become gainfully employed, as well as find a home for my family in a safe neighborhood. 

The accounts I am disputing are : 1 ) XXXX- Not my account 2 ) XXXX- incorrectly reporting a balance of {$630.00} 3 ) XXXX XXXX XXXX XXXX XXXX XXXX 30 days late on XXXX 2014 4 ) XXXX- Incorrectly reporting a balance of {$1500.00}. 


They have also failed to mark my the accounts as " disputed '' on my credit report within the 30 days of receiving my letters, as required by law. For these reasons, the only satisfactory outcome is to have these accounts deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple dispute letters to Transunion, XXXX, and XXXX and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have spoken with all three agencies, XXXX, XXXX, and Equifax and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I did a payment of XXXX $ from XXXX through PNC, but once I did the transaction the person blocked me on XXXX XXXX, I tried contacting on the phone number he has has, but no response, I tried every single way but no response. 
I tried to raise dispute but my company says that as the transaction was dne through XXXX we can not return the money back.
Product: Credit card or prepaid card

Previously, in complaint number XXXX, I complained about Synchrony Bank XXXX interest charge on my account in XX/XX/2023. Their response was to credit my account with {$14000.00}, which appeared on my statement as a " credit balance '', A short time later, I sent Synchrony a letter asking that they close my account and send me a check for the credit balance. I received a response from them stating that they had closed my account, but that I would continue to receive statements because of the credit balance. No information was given on how to recover my credit balance. Since the account was closed and the credit cards destroyed, I could see no way to get my money back. 
It is now XXXX and Synchrony has sent me additional routine statements showing the credit balance, but offering no mechanism for a refund. 
I would like my money back in cash, check, or electronic transfer. Since they have withheld my money for over XXXX months for no legitimate reason, it would only seem fair that they pay me interest on it. I will settle for 1 % per month for the XXXX months, which is less than half of their APR of 26.99 %. {$140.00} x XXXX = {$730.00}. 
Thank you for your prompt attention to this matter.
Product: Mortgage

On XX/XX/XXXX - A Request for Mortgage assistance ( RMA ) was faxed to Caliber Home Loan. 

On XX/XX/XXXX - Spoke with rep XXXX who stated the RMA was received, but not reviewed yet. 

On XX/XX/XXXX - Spoke with rep XXXX and did financial interview to start a modification review process. 

On XX/XX/XXXX - Called Caliber Home Loans, Rep stated it is under review with loss mitigation as of XX/XX/XXXX, no additional docs needed at this time On XX/XX/XXXX - Called Caliber Home Loans, Rep XXXX stated it is not in review due it being in forbearance status until XX/XX/XXXX. ( This was in complete contradiction to what was said on XX/XX/XXXX ) On XX/XX/XXXX - Spoke with rep XXXX # XXXX a XXXX. She confirmed the RMA was received. She had to escalate to the original rep to push the loan into review with underwriting. 

On XX/XX/XXXX - Spoke with Rep XXXX ID # XXXX- She stated it was never reviewed for modification. She stated that under new guidelines the client is eligible to apply for a modification even if it is current as long as it's a COVID hardship. She requested the following documents : - A new RMA requesting an FHA-HAMP/Partial Claims Combo - Bank statements for last 60 days, Pay stubs for last 30 days, Tax return for XXXX, Profit and Loss statement for self employment of last 3 months. 

On XX/XX/XXXX - The requested documents were sent to Caliber Home Loans On XX/XX/XXXX - Spoke with rep XXXX ID # XXXX - File is with underwriting, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep XXXX - File with underwriting as of XXXX, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep. XXXX - File is with underwriting as of XXXX, no documents needed at this time On XX/XX/XXXX - Spoke with rep XXXX - System upgrades are in progress and she could not give the information that was needed. Recommended we call back after XXXX On XX/XX/XXXX - Spoke with Rep Emerald # XXXX or XXXX ( Per new system ) - The review was deemed unnecessary by the underwriting team and was closed out with no decision on the modification. Rep XXXX escalated the the file with the underwriting team to continue the review with the documents that were submitted. ( No letter was sent to notify that Caliber home Loan had decided to stop the review, and no reason was given. )
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in early 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate collections I have listed immediately, the following includes : SPRINGS OAKS CAPITAL LLC XX/XX/2022 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX }, CXXXX 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 ) However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.
Product: Checking or savings account

2 years ago at PNC I had an account and I applied for a loan I wasnt aware that the loan that I applied for online the people went inside my account and disputed everything until the bank called me I explained that I didnt dispute anything and it left my account being closed now I cant get an account anywhere
Product: Mortgage

Hello I'm asking for your help with my Lender! Mr. Cooper did a analysis on XX/XX/XXXX. My homeowner insurance increased, as well as my property taxes. Effective on XXXX, XXXX. The amount would increase my monthly payment by {$20.00} The shortage in escrow is roughly {$190.00}. Escrow increased {$140.00}. I know the lender can apply a cushion for future increases, up to 12 months! But I know they also have a percentage cap! Also the companies won't my any changes until the following year! Also Lenders would give me a opportunity to pay the actually shortage and adjust the monthly mortgage to accommodate the balance of escrow for the year. INSTEAD OF A INCREASE Of {$20.00} MONTHLY, I GOT A INCREASE OF {$110.00} MONTHLY, A SHORTAGE OF XXXX I understand the overage will be returned at the end of the year! But I'm a senior on a fixed income! This is way to much of a adjustment! 
Monthly pmt was {$1100.00} to {$1200.00} Property taxes XXXX {$3100.00} to {$3200.00} per year Homeowners insurance XXXX {$660.00} to {$840.00} per year I hope I explained it to your understanding, Please help!! I didn't know how to down load paper work. thank you in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/year> Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian Dispute Resolution Team, I am writing to formally dispute the inaccurate information reflected in my credit report. I believe that the handling of my previous disputes has not been conducted in compliance with the Fair Credit Reporting Act ( FCRA ), as recently outlined in the Consumer Financial Protection Bureaus ( CFPB ) enforcement action against Experian.

Specifically, I am concerned that : 1. Failure to Conduct Proper Investigations : In my prior disputes, Experian failed to properly investigate my claims. The information I provided was not fully conveyed to the original furnishers, and the conclusions drawn were inconsistent and unhelpful. It appears that Experian uncritically accepted responses from furnishers, even when they were improbable or contradicted available information. 
XXXX. Reinsertion of Inaccurate Information : Despite disputing inaccuracies and receiving confirmation that certain items had been corrected or removed, I have since discovered that the same inaccurate information has reappeared on my credit report under different furnishers. This reinsertion of deleted information is both improper and harmful to me as a consumer. 
XXXX. Failure to Provide Adequate Dispute Results : The notices I received regarding my disputes were confusing and failed to clearly communicate the outcomes of the investigations, leaving me uncertain about the status of my credit report.

These practices have negatively impacted my credit score and financial well-being. I expect Experian to adhere to the FCRAs requirements and the Consumer Financial Protection Acts prohibitions on unfair acts or practices. I am now requesting : A thorough reinvestigation of the disputed items on my credit report. 
Removal of all inaccurate and improperly reinserted information.

Clear and comprehensive communication of the results of this dispute, including any corrections made to my report.

To support my claim, I have attached documentation that verifies my position and refutes the disputed items. Please ensure this evidence is provided to the original furnishers during your investigation, as required by law. 

Additionally, I have submitted a formal complaint to the CFPB regarding Experians handling of consumer disputes and the reinsertion of inaccurate information, in alignment with their recent lawsuit. 

I trust that Experian will take immediate corrective action to address these issues. I request a response within 30 days of your receipt of this letter, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've been trying to make a payment before the due date and the payment system isn't letting me set the desired date which is before the due date. 

I have tried to chat with any representative unsuccessfully, they just left me hanging with no answer whatsoever, very disrespectful and poor customer service. 

It is clear that they are charging all interests up to the due date instead of give the client the benefit of not paying daily interests. For a single client isn't a lot of money, but think about the strategy of deceiving millions of clients with the same tactic. I can imagine how many millions of dollars they are making with this single deceitful act.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Student loan

My Fed loan repayment is with Navient. I have been scheduling my payments, it goes through but they say they never got it or my information was incorrect which is strange because it wo n't give me payment confirmation if it was n't correct. And because they never withdraw money, they keep accumulating interest on my payments, in XXXX i payed my monthly payment and two weeks later, i payed the same payment with overcharge and i just received a letter that my scheduled payment did n't go through and that my auto pay is cancelled and i will incur more over charges. i do n't know what the XXXX Navient is doing.
Product: Credit card or prepaid card

Returns made for purchases that were made at XXXX and paid with Chase VISA are not automatically refunded to the XXXX and are sometimes returned in cash. I complained about this practice on two occasions and was told that the amount could instead be placed on a gift card. After speaking to management on XXXX XXXX, 2017, I was informed that this was not the correct practice and that the amounts should have been refunded directly to the card. On XXXX XXXX, 2017, I requested XXXX XXXX XXXX XXXX  store management to complete a full audit on my store account because of the transactions that were not refunded to the Chase XXXX account.
Product: Debt collection

Complaint against XXXX XXXX XXXX, XXXX and real XXXX Wells Fargo who collects my money via XXXX agreements with XXXX XXXX XXXX. First, I demand both Servicers to stop using artificial intelligence [ robots ] to respond my complaints. All responses filed with CFPB are computer generated runarounds which is unlawful under UCC ; R1002 and many other laws. According to these robots, here are numerous transactions labeled as non-recoverable which are not owed by me. Then by WHOM these " transactions '' are owed?

I demand to provide me direct contact information of an authorized individual employee of the Creditor who knows who paid for " non-recoverable '' transactions which calculated at nearly {$300000.00}, and how much was paid.

Also, please provide me direct contact information to the authorized employee of the Creditor to discuss my options under VA programs offered on XX/XX/year>.
Product: Debt collection

Subject : Debt Validation Attn : True Accord As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please provide your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please provide your authorization to do business in my state ( GA ).

5 ) Please provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Provide documentation showing the complete chain of ownership of the debt.

7 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand email. Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond or you will be reported to the CFPB and XXXX. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, results as a waiver to any/all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. I further insist that if you have reported me to a Credit Reporting Company, you tell them to delete said alleged collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$39000.00}
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : 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 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
Product: Debt collection

XXXX XXXX referred me to Receivable Solutions for charges that were supposed to be paid by an Employee Assistance Program. I received a nasty call from Reveveabke Solutions demanding payment for a debt I do not owe. The representative told me I had to deal with Mercy if I think I did not owe the debt and would do nothing to even indicate that I did not owe what they were harassing me for.