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

XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to Experian, XXXX and XXXX  a XXXX delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XX/XX/2021 reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to Experian but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX in college and have an issue regarding 2 hard inquiries on my XXXX   account. The credit reporting service I use is XXXX XXXX and when analyzing my Credit health, two hard inquiries are still present, which is false information. I contacted Discover Bank ( where both inquires came from ) last year, and both inquiries were removed off of XXXX and XXXX. 

XXXX First Inquiry : XX/XX/2017 Discover Bank Second Inquiry : XX/XX/2017 Discover Bank
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Debt collection

A XXXX XXXX ( XXXX ) salesman came knocking on my door in XXXX, 2023. He tried to ask me to switch to XXXX internet service. I said I could give it a try. I then received the XXXX equipment on XX/XX/2023. I attempted to set it up immediately on that day, but experienced a technical issue due to a long-lasting XXXX  service outage. Feeling frustrated, I returned the equipment back to XXXX via the XXXX XXXX the next day ( XX/XX/2023 ). The XXXX tracking number for the equipment return is XXXX. I immediately communicated to XXXX via phone calls and online chat about the equipment return. Clearly, their customer services are either incompetent or do not care because XXXX kept calling me about monthly service fee charges despite the fact that I did not activate my account and never used their internet service. 

XXXX  claims that I owe them {$150.00}, which includes monthly service fees for XXXX, XXXX, and XXXX of XXXX. As you can see, my XXXX account was never activated due to equipment return. XXXX  has since referred the matter to a collection agency ( AmSher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX ). AmSher Collection agency has contacted me by postal mail and phone call, asking me to pay {$150.00} on the phone. I have explained the matter to AmSher Collection by mail and phone call. I feel that XXXX should be exposed for their unethical and predatory practices. I have all the communication records on file if needed. Thank you for your help.
Product: Checking or savings account

As of today I am not allowed to open any business account for my business due to the fact that Bank of America fouled something against me on XX/XX/2019 I was never notified about the situation
Product: Credit reporting or other personal consumer reports

I am writing to formally request a 2nd Re-Investigation by Experian regarding inaccurate information on my consumer report. The request is being submitted under the ( FCRA ) 15 USC 1681i ( 7 ) Description of reinvestigation procedure, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed items and provide detailed documentation requested by the consumer.

The recent Consumer Financial Protection Bureau lawsuit filed against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' violating consumer protection laws by failing to meet its obligations under the FCRA and several other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

Refusing to provide requested documentation by consumer from investigation.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports.

I've attached the original Re-Investigation letter that was sent to Experian. Please review the letter and Experian should not update the inaccurate account as Experian has done and seemed to further the inaccuracy of the account without providing any requested details or documentations that were gathered during the investigation. 

I've also attached the letter received from XXXX regarding their investigation, which clearly shows a proper Re-Investigation was conducted that resulted in the deletion of the inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : Trans Union said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 5XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Bank account or service

Sun Trust Bank has been charging my account for seven years XXXX dollars ( XXXX $ ) every month for not having XXXX XXXX as a balance. I would never have agreed to that as I sold my home in 2008, and worked through most of my savings, when I moved from XXXX to XXXX. 

I have not had XXXX XXXX more than two or three months of that whole time.. and want the bank to return that fee for using their bank .... as it adds up to about a XXXX over five or more years. 

I told their bank to stop sending me paper statements, and I would l look online and never saw the fee online.. soo when I saw it the other day, and asked they told me that was the reason that I explained above. I think they had added it when I first deposited the amount from the sell of my home? I think if they see a customer has for years? Or months? have not ever had a XXXX XXXX dollar balance, and they keep charging that, it is unconscionable. 
I do plan to hopefully sell some property in the future, and if I do, i will not deposit that money in this bank, due to the loss of any trust that they watch out for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : XXXX XXXX  acct # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX.
Product: Credit card

I already waited for a month to accept me to preapproval my application and reapply. I already read the information, accept what they said to me, and I was told that I should wait until XXXX. Guess what???? Its still not happening and these demons lied to me and didnt want to tell me the time frame. I expect to know when exactly am I not going to be denied. They are liars and they turned against me. I want to report all the company who still didnt accept me. I owe them no money, but look what they have done to me. Making my life miserable.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into account transactions.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Zell is trying to send me just under XXXX XXXX dollars for fraud. 
XXXX fraud. 

I have no ability to accept usd payments. I have no access to banking products due to the crimes that XXXX committed that resulted in this fraudulent payment. Most recently when I tried to gain access to my own USD account, the bank threatened to arrest me, and actually called the police. I'm not dealing with this anymore. XXXX XXXX XXXX. Send the money to the bankruptcy estate here : XXXX XXXX XXXX XXXX not contact me again. These attorneys belong in cages.
Product: Debt collection

Southern Managament third party for ( XXXX XXXX/ XXXX XXXX ) attempted to claim their is a balance due for {$9100.00} for a apartment I rented in XXXX XXXX Florida XXXX I moved out of the apartment for job relocation. I provied them all information they needed include written letter i was leaving. date included. I forefitted all security deposit as well as i paid the rent for the time the apartment was not rented which was two months. 

Their claiming their were damages of this amount for the apartment. The apartment complex never notified me of this owned amount. I received harrassing calls begining 12 months after leaving stating this debt was owned. I communicated several attempts with this collection agency to provide the proof of information that would validate the debt. They flat out refused- any settlement offers i have made during that time of XXXX-XX/XX/XXXX they refused. Even offered settlement when they could not prove the debt or the details of damages. I contacted the property manager myself and went to property in which they no longer had any information or record of me living there and could not provide information either. 

I submited a dispute with XXXX  in XX/XX/XXXX via online dispute stated the dispute was closed- however I did not realize this was stated the dispute was already closed when it goes into collection. I was attempting to resolve this and have it removed was the purpose so i choose the wrong tactic on website. The company is called Souther Management Company. 

I have been attempting to resolve this debt for over 7 years. This company in the beginning called and harrassed and threaten to damage credit report, hold funds, hold tax returns, contact banking center i bank with and withdrawl money. I have not been in contact with them because of their bullying tactics. 
They have never sent information to me concerning this debt- or the detailed report i have asked for several times. I receive one email from them stating that the debt was valid but no other information.
Product: Credit reporting or other personal consumer reports

Ive noticed that your company has made inquiries on my credit report that I never approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I did not give my written permission to publish the following hard inquiries on my credit report. XXXX XXXX XX/XX/2023. According to the FCRA, this is against my rights. Please delete
Product: Mortgage

I applied to refinance my mortgage with Better Mortgage on XXXX. I was charged the appraisal fee on XXXX, and they're website showed that the appraisal has been ordered. I didn't get any calls from any appraisers, and on XX/XX/XXXX, I sent them an old appraisal ( from XX/XX/2021 ) to see if it can be used in lieu of having to get a new one. I don't hear back from them until XX/XX/XXXX when I'm stated that they can't reach anyone at the bank that did the appraisal. Evidently they worked on this for two weeks. On that same day ( XX/XX/2021 ) I told the adviser to go ahead and order a new appraisal. A week later, I emailed and informed him that no one contacted me to do the appraisal. I was told to wait. Closing was supposed to take place by XX/XX/2021. On XXXX, still no word from an appraiser, the Better Mortgage Adviser emails me stating that I would have to reapply or pay for the lock extension. In the mean time, I submitted hundreds of pages of documents that were asked of me in support of my application, uploaded all of them without any delay, and their web page that with my progress dashboard, kept showing that everything is on track throughout the whole process. I feel that they could have easily obtained a new appraisal had they ordered it when they were supposed to. I feel that they waited too long ( nearly two weeks ), for a response from the other lender. Even to this day ( XX/XX/2021 ), I have not heard from an appraiser. I refinanced or took out new mortgages multiple times over the years, and as recent as XX/XX/2021, and always received a call with a day or two of paying the appraisal fee from an eager home appraising company. I feel that Better should honor the original terms of my refinance application, and complete the loan closing without charging me extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

My wallet was stolen on Friday XX/XX/XXXX around XXXX. Saturday when I woke up I noticed on my banks transactions that {$970.00} was sent to a XXXX name that I have no knowledge of. I then called my bank to put in a dispute and I was told that I would receive a temporary credit by Wednesday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file, it shows that I only have a credit history of XXXX, which is inaccurate. I have a XXXX XXXX Credit Card that is still active and current and was opened on XX/XX/2003. It is my oldest credit account and has been opened for over a decade. Attached I have is a copy of the account ( circled ) the account number and the date it was opened. It's a copy from XXXX, but it shows on all three of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an initial dispute To Experian on XX/XX/XXXX of 2021 in which the results came back stating that the dispute was investigated and confirmed as accurate. No proper steps were taken to validate the items reporting on my credit report and when I asked them what they did to validate the debt, they told me I would have to wait until I received the results via mail. I received the results 30 days later and there was nothing stating how they confirmed the items. I submitted another dispute on XX/XX/XXXX of 2021 and was told the same thing as the results came back in the mail. I then opened another dispute with a fraud affidavit, copy of my drivers license, and copy of my social security card on the XXXX of XX/XX/2021. Pursuant to 605B of the fair credit reporting act, Experian has 4 days to investigate and block fraudulent information on my report. I called Experian today, XX/XX/2021 at XXXX CST and the initial recording asked was I calling about an open dispute. I said yes, was transferred to one department where the woman said shed transfer me to the correct department, that next department said I needed to speak with fraud and theyd transfer me. I finally get to the fraud department. I explain to him the process and he began telling me I needed to wait 30 days for the dispute to clear which is incorrect when it involves fraud and they are committing individual actions ( violations ) by not following protocol according to FTC. I explained to the representative this was incorrect and he said hed look into it. He put me on hold for 5 minutes and came back. The representative said my name and then hung up on me. Now when I try to call back, the recording doesnt recognize I have an open dispute and wont put me through to a live person. Ive called 8 times today since I was hung up on. Each time, it asks for my social security number and after I enter it, it asks what I need help with. When I choose the fraud option, theres no option to speak with a representative. When I choose the freeze option, theres no option to speak with a live person. When I press 0, it says theres no option to speak with a representative at the moment. It also seems as if the disputes arent even open anymore since it doesnt recognize I have disputes open at the beginning of the call anymore as it did the first time I called! At this point, they are playing with my livelihood and Ive followed every step according to FTC and Experian isnt following protocol. Something has to be done! My process to purchase a home is on hold because they arent keeping me safe or following FEDERAL law! This is grounds for a lawsuit if this isnt corrected!!
Product: Checking or savings account

I never got {$89.00} credit for health insurance from XX/XX/17 that was cancelled before the start date.