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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX  XXXX, IA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian for Violating FCRA Section 607 ( b ) Dear CFPB Team, I am writing to formally file a complaint against Experian regarding their ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ). This section provides that [ w ] henever 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.

Unfortunately, I am experiencing the same issues that your office previously addressed when you sued Experian for conducting sham investigations of credit report errors. Experian has repeatedly failed to properly investigate my disputes and has not removed or reinserted errors on my credit report. This negligence threatens my access to credit, employment, and housing. Despite my efforts to rectify these issues, Experian continues to misrepresent my financial status.

I have submitted all necessary documentation to correct my rental agreement account, which Experian falsely reports as closed. Their response indicated a modification of my dispute, which is misleading and inaccurate. The details of my account, including a comprehensive record of charges and payments, demonstrate that I have valid claims that Experian refuses to acknowledge.

The CFPB 's allegations against Experian highlight their failure to conduct adequate investigations into consumer disputes. Specifically, Experian employs faulty intake procedures and does not convey all relevant information to original furnishers. They uncritically accept furnishers ' responses, even when those responses are implausible. The notices they send to consumers regarding dispute results are often confusing, incorrect, or inconsistent.

Given these circumstances, I urge the CFPB to take immediate action against Experian. Their ongoing violations of the FCRA are detrimental to consumers, including myself, who rely on accurate credit reporting for essential life decisions. I am requesting that the CFPB pursue legal action against Experian to ensure they are held accountable for their misconduct. 

Thank you for your attention to this serious matter. I am hopeful for a prompt resolution to my complaint and look forward to hearing from you soon. 

Sincerely,
Product: Credit card or prepaid card

For weeks I have repeatedly attempted to contact Macy 's Customer Services via online chats, emails, fax, phone calls and registered letters in order to prove that I paid them the due amount ON TIME. Provided them copies of documents which show that the full amount was paid, debited electronically from my XXXX XXXX XXXX checking account on XX/XX/22. To no avail. As of today no action/response/acknowledgement from Macy's/CitiXXXX XXXX XXXX Bank came XXXX All I have been receiving are online alerts and Statements with penalties. 
This is affecting my credit rating as well.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the undersigned, am writing to formally dispute the inclusion of a late payment entry on my credit report, specifically pertaining to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ]. Upon meticulous review of my credit report, I was profoundly dismayed to discover this entry, as it unequivocally misrepresents my payment history and has egregiously impacted my creditworthiness.

As delineated within the annals of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of the information comprising consumer reports ( 15 U.S. Code 1681e ). It is, therefore, incumbent upon the credit reporting agency to ensure that the information disseminated in my credit report accurately delineates my payment behavior and fiscal probity.

I maintain, with unwavering conviction, that the inclusion of this late payment entry is egregiously erroneous and patently fails to accurately portray my paymet conduct with XXXX XXXX XXXX XXXX. Consequently, rectification of the entry 's status to " paid as agreed '' is not merely an equitable resolution, but a requisite measure essential to safeguarding the integrity and veracity of my credit report, as mandated by the hallowed provisions of the FCRA.

Furthermore, pursuant to the auspices of 15 U.S. Code 1681c, it is incumbent upon a consumer reporting agency to permit a user of a consumer report to divulge the contents thereof to the consumer, should adverse action be taken against the latter based, either wholly or in part, on the contents of said report. Therefore, I hereby demand full disclosure of the contents of my credit report in relation to this dispute.

In the event that the aforemntioned equitable resolution is unatainable, I am left with no recourse but to entertain the prospect of terminating my association with XXXX XXXX XXXX XXXX and exploring alternative avenues. I

t is of paramount importance that my credit report accurately reflects my fiscal standing, thus facilitating the administration of equitable and transparent lending practices. I hereby demand that you conduct an exhaustive investgation into this matter forthwith and take requisite measures to expeditiously rectify the inaccuracies pervasive within my credit report. Your immediate attention to this matter is of the utmost exigency and is earnestly anticipated.
Product: Payday loan, title loan, personal loan, or advance loan

This company they put wrong information to credit report ( XXXX )
Product: Debt collection

My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies.
Product: Debt collection

Long time customer of XXXX XXXX held several policies over 10 years then they up my auto premium by nearly 3000 dollars new drivers added but no violations we could not justify the jump when working with them in late XXXX and XXXX... .a last ditch effort for new coverage was made and we regretfully moved from XXXX XXXX to another insurance company for the same coverages we saved over XXXX dollars. alot of money in todays times to cover household drivers. So we switched. several weeks go by and XXXX XXXX sends a bill for XXXX dollars. They could not justify why this money was needed as we had paid all coverages for the year. They ultimately put us into collection to Credit Collection Services in XXXX MA. But they set up 2 collections so we were receiving misleading info. We get a collection notice for XXXX... .then we'd get another one from XXXX. We couldn't determine if they adjusted the debt or XXXX made a correction. So the communication we would receive was misleading. The XXXX dollars i was fretting as it was nuisance debt and would not get reported to effect my credit. We ultimately paid the XXXX for what ever reason but they still reported the debt to the credit rating agencies and have destroyed my credit. My score dropped nearly 50 points a crushing blow with kids in college and knowing they need student loans. so now we'll have to pay more in interest on my kids loans for the next 20 years all because of XXXX dollars of debt that was paid just as it was being reported. So the pain of the experience is why did my insurance jump more than XXXX dollars where i was a long time customer... i went shopping for the same coverage and saved nearly half of XXXX and probably could have at other insurance companies as well but not XXXX. They they send me to collections for XXXX ... .open 2 collections one for XXXX and the other XXXX dollars at the same collection firm... .if liberty cant get the debt straight in one collection then they should use 2 different collections agencies... but i was getting mailings showing different amounts at different times ... ... ultimately the debt was paid and i still got screwed. and now my kids will as well ... ..i have contacted the credit agencies to see if it can be corrected but it never should have so my XXXX score i took pride in is now below XXXX and probably will be for months as they never give back the total points.
Product: Credit card or prepaid card

My name is XXXX XXXX and the last four of the account number is XXXX with a balance at the time of sale of {$600.00}. 
I was first informed of the PayPal Synchrony called that was opened in my name in XXXX of 2020. I called Synchrony in XXXX of 2020 and informed them that this account was opened without my permission and was the result of ID theft. The rep confirmed that all the information in the system did not match me, including my name. The name on the account is XXXX XXXX XXXX. I do not have a middle name and I can provide a copy of my birth certificate if necessary. The rep told me that she marked the account as fraud and attempted to contact me to the fraud dept but could not. She asked me to call the fraud dept in the future. I tried on more than one occasion but the hold time was too long for me to wait. At the time I was an attorney for a debt buyer/debt collector and did not have time to wait. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Synchrony then sold the account to XXXX ( XXXX XXXX XXXX ) that has not filed suit against in XXXX XXXX SC. I am in contact with XXXX and XXXX and they are working with me to resolve this fraudulent account. 
In the meantime, I have been turned down for a XXXX  credit card because of this fraudulent account. The reason I was declined is because of a past delinquent credit card with Synchrony. I had to have my XXXX XXXX XXXX XXXX open the store card. This is ridiculous. I have filed a fraud affidavit with the FTC and filed an FTC complaint.
Product: Mortgage

I applied for and received assistance from the Homeowners Assistance Fund of Rhode Island ( XXXX ) to help me with missed payments due to XXXX related reasons. They awarded me with a reinstatement grant of {$7500.00} which was sent to Dovenmuehle on XX/XX/2023. This payment would bring my account current but Dovenmuehle continues to hold my account in default. They continue to charge late fees and cause negative remarks on my credit report. When I contact the company no one can tell me what happened to the payment or why it has not been applied. 
I am concerned they are trying to force this mortgage into foreclosure despite having received payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a certified letter to XXXX and XXXX XX/XX/XXXX of 2022 about XXXX accounts on their reports to validate and to update my personal information Back in XX/XX/year> in which the XXXX accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The XXXX accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX  XXXX Account # XXXX charge off date XX/XX/year> XXXX  Partial Account # XXXX charge off date XX/XX/year> XXXX  Appliances partial account # XXXX Charge off date XX/XX/year> However I wasnt notified of the status being updated from being charged off to being active again. The accounts were removed and they are now showing on my credit. In addition, I did not give XXXX or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Refer to Complaint # XXXX
Product: Credit card

I opened up a Macy 's credit card in XXXX XXXX. I did n't get a bill in XXXX XXXX and called the credit card to talk about the reason and the payment. Through arguments, they agreed to provide an adjustment. At that time i requested the credit card to be closed based on my bad experience. several month later in XXXX i receive a bill from Macy 's of interest on XXXX balance and late fees for the interest that are unexplainable and my credit card was never closed back in XXXX per my requests.
Product: Mortgage

My husband and I had a loan with XXXX finance, and the loan was transferred to Carrington Mortgage on XX/XX/XXXX. XXXX stated that they had done a yearly analysis on our loan. Later between XXXX and XXXX Carrington did another analysis on XX/XX/XXXX and we were told that our mortgage went up to XXXX for the month between XXXX and XXXX. During this change with the analysis, Carrington told us that we were going to be short in our escrow and they would take our mortgage up to over XXXX dollars. We paid the difference within our escrow and they so that our mortgage wouldn't go up, but they manage to up the mortgage to the above amount and they did another analysis for the month of XXXX for our XXXX statement was XXXX. I called the customer service line and she stated that that was the wrong amount. The amount due was XXXX on XX/XX/XXXX. For the month of XXXX XXXX, they change the address where the payments are normally sent and they did not tell us. They sent us information that they did not receive payment for the month of XXXX. I called the company and one of the staff on XX/XX/XXXX, a staff stated that the address had been changed and he apologized. We had an extra XXXX cents going curtailed, going towards the principal, and now they are trying to add the money in the payment charging us XXXX on XX/XX/XXXX. The statements they send to us and the information on the account doesn't match. We have been having problems with this company since we got our account transferred over to them. The statements don't match what they have within their computer, which is confusing. We don't know what to expect from this company when we get our mortgage statements each month. On our XX/XX/XXXX statement on the back of the statement, they got XXXX information which doesn't tell us the most accurate transaction that took place in XXXX. It's confusing dealing with a company giving us conflicting information on our mortgage statements. They tried to charge us late fees because the payment in XXXX was sent to the address given to us and the payment was sent on time. However, they had changed their address, which caused them to get the payment but they stated that it wasn't received. They had changed their address and another payment was sent to them. We don't know what happened to the first payment sent to the address they gave us on XX/XX/XXXX.
Product: Checking or savings account

I have spoken to Pen Fed numerous times and filled out paperwork about a charge that was not authorized by me appearing in my account statement for XXXX XXXX in XXXX. Each time I speak with someone, Im told it will be taken care of shortly, but the charge has still not be reversed. The debit card was deactivated almost immediately and a new one issued, but still the money has not been returned to my account. More than 2 months have gone by since it was first reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Product: Student loan

I submitted the following complaint last year. I never show an email that stated that there was a need for my response. 

I submitted an application for XXXX  Loan Forgiveness to Navient in XX/XX/2018. They sent a letter to me stating that because I did not put my social security number on top of each page that the application could not be processed. I resubmitted the application with my social security number on the top of each page of the application in or around XX/XX/2018. I called on XX/XX/XXXX and now they are claiming that they are not in receipt of my application! This is ridiculous! They need to be held accountable and process my application. 

Regarding Navients response, I did send the form to them with the required information on top of each page. What should I do to protect myself from Navients failure to acknowledge the receipt of my form that DID include my social security number on the top of each page?
Product: Student loan

My loans came out of forbearance in the Spring. My repayment amount is almost {$900.00}. I begged and talked to Navient about repayment options or plans. a month. Navient staff would tell me that repayment options would cut my monthly payment in half and ask me to complete a questionnaire to determine my new, lower repayment amount. However, the new payment amount would only be less than a {$100.00} cheaper. Interest only was still $ XXXX. None of their repayment options were beneficial to significantly lower my payments like I was told. Navient staff are not knowledgeable about the type of loan I have or the available repayment programs. I was constantly misinformed and misled. Misinformation and lack of knowledge by Navient staff created obstacles to repayment. 
Even though I was in daily communication with the company, and making payments, Navient continued to call and threaten myself and my cosigner. Calling up to 7 times a day. Navient staff stated that I was lying about owning a home even though it is on my credit report. They questioned every item on my credit report and stated that I was lying about my monthly expenses. Staff criticized my discussion to go to college and take out student loans. I was XXXX when I took out the loans... 
Even thought I was on a payment plan and making the payments, Navient processed the payments incorrectly. Then Navient reported delinquent payments to the credit bureaus while I was on a payment plan making on time payments. 
Navient has failed to act when I complained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX  9. XXXX XXXX 10.XXXX