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

THESE INFORMATION IS INCORRECT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REFUSING TO REMOVE INCORRECT PERSONAL INFORMATION AND NON MAILABLE ADDRESSES FROM MY CONSUMER REPORT!!!!! 

EXPERIAN IS REFUSING TO REMOVE INCORRECT PERSONAL INFORMATION AND NON MAILABLE ADDRESSES FROM MY CONSUMER REPORT!!!!! 

HOW IS THIS XXXX NOT HEINOUS CFPB?????!! XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These XXXX XXXXXXXX war crimes against Americans that these institutions are committing!!! 
I called and the representative willfully told me he will not update any addresses. These people are really allowed to sit on the phone and tell me what they can not and will not do f

or MEEEE as the consumer?????!!! 15 U.S. Code 1681s2 ( A ) ( 1 ) A states, " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
Experian is NOT maintaining reasonable procedures. 

Any and all consent to Experian TO FURNISH ANYTHING LISTED, whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit card or prepaid card

My card where my social security benefits go onto had expired. I charged XXXX cents at the atm to find that out. Then I called to find out where my new card was and was hold over 45 min. The guy said he didn't know what happened and they could expedite a card out in 2 days and charge me {$13.00}. I said I should not have to pay for a updated unexpired card to be shipped. Then I said I want it to be waived and he said he would transfer me. Then he just put me back in the line and I waited another 45 min to have a girl say they cant waive the fee. So she canceled the card then re issued it and I got a additional {$13.00} fee and a {$4.00} fee and {$1.00} fee. Why I have no idea. Then I called the next day on hold for a hour then the lady said she would have to put a request for the funds to be returned and nothing came of it. Then I said I was suppose to get a tracking number to see where my new card was. I never got one. So again I waited on hold for a hour only to have someone answer then drop the call. Called back again again waited 45 min got a girl on the phone said she would have to transfer me back on hold as we speak its been 35 mins. I got the number to file a complaint said they would escalate it and I would get a call back in 24 hours no call. called the complaint number again and this time told me 3 - 5 business days to get a call back no one ever called. Well I finally got the card and now I had automatic fees hit my bank account and late fees. Went to activate the card and had to wait on hold over a hour just to tell me I would have to put the numbers in instead of my ssn no where anywhere on the card paperwork did it even say that. I'm on hold currently trying to talk to someone about the fees on my card
Product: Mortgage

In XXXX l purchase property price was XXXX and I'm refinance in XXXX property mortgage XXXX XXXX XXXX home equity assets trust  9.25 % with baloon payment former ocwen loan services  Second mortgage Adjustalble Rate Rider baloon rider XXXX XXXX XXXX XXXX pass through to XXXX XXXX XXXX pay off is In XXXX forclose start and property is scheduled for scherff action erly next week Property has 2 city lot 7000 sf and 600 sf and only 1 lot was recorded and scheduled for auction 7000sf
Product: Debt collection

I spoke with a representative of XXXX XXXX XXXX, who are working on behalf of Cavalry Portfolio, to settle the account with a payment arrangement. The terms of the agreement were falsely represented, misleading, threatening, and additional funds were added to the account. I reached out to the company with no response, so I disputed the account information on my credit report but with no changes. I don't understand how terms of a settlement are reached on a recorded line but changed afterwards and it's ok to do. I have also emailed the attachment to the law firm in XXXX, and they never responded until I disputed the account via XXXX. This company is awful!
Product: Mortgage

I am asking this company for help staying out of foreclosure, I was on a forbearance and it ended and these people are going to sell my home. I asked for a forbearance extension and was told no because I am in active foreclosure but the foreclosure is on hold. So then they say I can reviewed for a repayment plan if I pay XXXX down I dont have this kind of money. My husband is terminally ill and we experienced XXXX  hurricanes last year. We live in Georgia. Shellpoint will not help I need someone to help me please. Why cant I get an extension on my forebearence, I was in active foreclosure with hold when they gave me the first one?
Product: Vehicle loan or lease

I am currently in my 3rd lease from Acura since XXXX. Since turning in my previous XXXX XXXX, this will mark the most terrible experience I have ever had with Acura/Honda vehicle purchase or leases. ( owned 3 XXXX XXXX XXXX as well ) Where do I start with this mess? 

American Honda Financial reported my credit report 30 days late, trying to collect an incorrect balance, that I believed to be taken care of during early-lease turn-in at their dealership. At first they reported a {$5000.00} payment owed and due XX/XX/XXXX, and marked my credit 30 days late ( I have never been 30 days late on any of my Acura leases ) immediately without hesitation! American Honda Financial did not apply a payment of {$2200.00}, received on XX/XX/XXXX, when I turned in the XXXX leased vehicle. The American Honda Financial REP ADMITTED fault while CORRECTING the balance to reflect the missing payment, but refused to admit fault or remove the negative remark from credit file. It seems America Honda would rather penalize my credit illegally for some ODD reason. I will never buy another Acura/Honda again if this is what " loyalty '' gets you. This has resulted in numerous calls back and forth to the Acura  dealership and America Honda Financial, while NOTHING is being done. Instead I get a simple generic response via online correspondence, instead of a phone call that I've request multiple time to discuss this IMPORTANT matter. WHERE ARE THE CORPORATE OFFICIALS? N-E-V-E-R A-G-A-I-N.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  acct # XXXX is inaccurately/ inconsistently reporting data on 2 of 3 of my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccurate on XXXX and EQUIFAX. 
Absent on XXXX. 

Further, the late payment histories are inaccurate in their respecting reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of the discrepancies, circled. 

15 USC 1681e states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against XXXX, Transunion and XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where all three companies listed : XXXX, Transunion and XXXX has neither corrected nor removed or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, 2024 Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by Experian, a prominent credit reporting agency. 

On XXXX XXXX 2024 a Bankruptcy Removal Letter was sent to Experian informing the credit bureau of the unverified Bankruptcy on my credit profile. 

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, Experian has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA. 

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of the original signed consumer contract and/or judgments. However, it appears that Experian has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure Experians compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS INQUIRY ON MY CREDIT FILE. THIS IS IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

This is not my account, I did not authorize it and Equifax says they certify its mine after XXXX closed it and sent confirmation it was closed.
Product: Vehicle loan or lease

Hello, Wells Fargo is incorrectly reporting a missed/ late payment on my loan account with them. One month I've paid my monthly dues in one of the local branch, and something went wrong on their side that didn't register the payment, although money from my account was withdrawn. I've contacted Wells Fargo and they did admit to their mistake. They've taken care of the late fee and were going to send me some papers to sign and send back, but I haven't received anything as of today. Every time I try to reach out they keep telling me about some paper to sign but this run around has been going around for almost a year now and this is affecting my credit score for way to long.
Product: Mortgage

Everbank is my mortgagae company and they changed their website in recent months.In the new one I CAN NOT view the proper break down of my mortgage loan amount that I am paying. All of sudden they collect some different amount and you do n't know why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked Experian to ensure everything was complete and accurate according to FCRA 15 USC 1681i on XXXX XX/XX/XXXX. 

I waited 30 days and my credit report was still reporting inaccuracies after their investigation. 

I made a final goodwill attempt to have the matter cleared up on XXXX XX/XX/XXXX. 

I waited another 30 days and Experian still proceeded to furnish the inaccuracies on my credit report, damaging my credit score and making it extremely difficult to acquire a house for my family and me. 

Also, I asked Experian to update my personal information on file on XXXX XX/XX/XXXX and my information wasn't updated as I asked. 

This is a complete violation of my rights and a lack of professionalism and care from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently returned to the US and learned of an a XXXX account that doesn't belong to me. I filed the necessary reports and would like the accounts removed from my personal consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and XXXX and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit
Product: Debt collection

Please do not mark this as a duplicate complaint as NEW INFORMATION IS BEING PRESENTED to you. I requested validation from LJ ROSS and was sent forged documents. Please see the attached documents that show no indebtedness nor obligation between myself and LJ ROSS. It literally was two pieces of paper with medical codes, no signature showing an agreement between myself and LJ ROSS nor the " original creditor ''. I'm very worried now because I have no idea how they got access to my social security number to place this on my consumer reports. They never marked my account as " disputed '' although I've been disputing this alleged debt over three months now which is a violation of the fair credit reporting act. I am seeking to have this rectified once and for all because this is negatively impacting my name, reputation, and brand. Please investigate this company.
Product: Credit card or prepaid card

From the minute I became a customer I have not been satisfied with XXXX! My credit limit has been drastically reduced as a result of me not using my account as often as Comenity bank feel I should! The less I use my account, the more my credit limit is reduced! These deceptive practices have caused my credit score to go down! I previously filed a complaint with the XXXX XXXX XXXX in which a representative called me back talking about a different issue that had nothing to do with my complaint and never addressed the issue that I currently have! The representative even mention late payments and the fees on my account as being the reason why my credit limit was decreased! I explained to the rep that the late fees was due to my card being stolen and I should not be held responsible for that! Comenity bank and XXXX XXXX need to be held liable for their deceptive practices! I wanted to formally file a complaint here before I file one with the attorney generals office! I wanted to go on record with this agency first before I pursue the rest of my complaints! If my complaints can not be resolved Comenity bank and XXXX XXXX will be held accountable.
Product: Mortgage

I am a victim of predatory lending by Chase Bank. I was preyed upon by a Chase loan officer following an accident, XXXX and XXXX. He talked me into consolidating my existing mortgage, line of credit and other debts into a ridiculously unaffordable and impractical 10-year interest-only mortgage that would then become a 30-year variable rate mortgage. In effect, I would have ended up paying off my house three times. 
I realized this within a month and contacted Chase, asking to convert the loan to a 30-year fixed loan, eliminating the 10 years interest-only portion, which would have saved me many many thousands of dollars. They refused to work with me in any way and were completely unmoved by my medical condition and inability to pay off this loan. I know for a fact that the loan officer, XXXX XXXX, falsified documents to secure approval of this " no-doc '' loan. 
Ultimately the sheriff showed up and gave me two weeks to vacate. There were no legal papers served, no notifications or warnings of any kind. 
New York is a judicial foreclosure state, meaning that any foreclosure must be approved by a judge. There were no hearings, no attorneys, no court appearances, and therefore New York State law was not followed. 
In effect, Chase stole my home from me without due process. 
I have contacted them numerous times, and quite mysteriously, all of the documents supporting my claim are " unavailable. '' XXXX XXXX is no longer employed by Chase, and they are unwilling to discuss a settlement of any kind. 
I believe I am legally entitled to some form of restitution for their unlawful actions. 
I have many documents to support my claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> we purchased a new vehicle from a dealership in XXXX Missouri. Before we started the credit application process, we asked that the dealership not run our credit through a bunch of lending institutions, and they were advised to limit to a XXXX of XXXX locations. They disregarded our request and I now have a total of XXXX hard inquires listed on my credit report all but XXXX were related to auto financing.
Product: Debt collection

XXXX is saying I owe them money as of XX/XX/2022. I haven't had them for probably 2 yrs. I have lived in a XXXX XXXX XXXX
Product: Credit card or prepaid card

have talked to capitolone supervisor andhave sent letter to corporate office with no response all can be seen on accountand payments set with supervisor at capitol one, interest fees to high and payment not being reported and late fees 5 times in a row for XXXX even though make payment ofXXXX that wasagreed to.
Product: Money transfer, virtual currency, or money service

Cash App is the company I'm filing a complaint against, and XXXX both companies took money because of scamming and fraudulent activities from overseas
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. XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 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. 
I will continue to submit complaints until this matter is resolved, XXXX and XXXX has already removed these items cause they do not belong to me.
Product: Vehicle loan or lease

This is regarding a double billing by GM Financial ( GM ) and/or one of their California dealers in an auto lease contract, where a Disposition Fee is paid in monthly installments, and then billed again to the consumer at lease-end. 
The math : The LEASE AGREEMENT ( Section 5 ) states The amount you will have paid by the end of the lease includes the amount of the Disposition Fee in question. Thus, its part of the monthly payment ( no breakdown available from GM ). Yet, Consumer was rebilled for it ( along with some yet explained taxes ) months after the lease ended. The lease ended in XXXX, XXXX and, according to GM, all payments due and owing had been made. 
Consumer has contacted GM ( in writing, in XXXX, XXXX, and XXXX, XXXX ) re-garding this issue, after receiving a notice at the end of XXXX ( XXXX ). Specific instructions to communicate in writing ( to avoid misunderstandings ) have been ignored. Instead, GM blows up consumers telephone line with repeated re-quests to call itnothing else, just call. GM, after numerous Consumers requests, does not dispute Consumers assertion that its a double billing, and otherwise re-fuses to further address the issue. 
Consumer received a response from GM ( via CFPB website ) which, in part, states : have Ms. XXXX contact GM Financial at ( XXXX ) XXXX to discuss this matter further. THIS IS A TOTAL NON-RESPONSE TO THE COMPLAINT. Thus, Consumer is refiling the Complaint.