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

I am writing to formally request your intervention regarding a serious issue I am experiencing with Experian, one of the major credit reporting agencies. Experian has consistently failed to adhere to the Fair Credit Reporting Act ( FCRA ) requirements, specifically concerning the blocking of fraudulent accounts from my credit report. 

On XX/XX/XXXX, I sent a letter to Experian certified mail received on XX/XX/XXXX identifying fraudulent accounts on my credit report and requested that these accounts be blocked in accordance with the FCRA. Enclosed with this letter were all necessary documents, including an FTC Identity Theft Report and proof of certified delivery. 

Unfortunately, on XX/XX/XXXX, Experian responded inappropriately by stating they are unable to block my address as requested. This response does not relate to my original complaint, which clearly outlined the need to block fraudulent accounts, not an address, specifically the XXXX XXXX Account # XXXX. This indicates either a gross misunderstanding of my request or a willful neglect of their obligations under the FCRA. 

I have enclosed a copy of Experians response letter, which demonstrates their failure to address the actual issue. Additionally, my original complaint, showing the fraud, and the FTC report are also enclosed. 

This situation reveals a troubling pattern of Experian issuing false responses and ignoring legitimate requests. Such actions not only undermine my rights as a consumer but also violate the FCRA, which mandates the blocking of fraudulent accounts upon proper notification and documentation. 

I urge the Consumer Financial Protection Bureau to take immediate action to ensure Experian complies with the law. They must be held accountable for their failure to process my request appropriately and stop sending irrelevant and misleading responses to complaints that were never filed. 

Thank you for your attention to this urgent matter. I am confident in your commitment to protecting consumer rights and ensuring compliance with the law. 


[ Enclosures : Experians Response Letter Unrelated to the Request, Original Complaint, FTC Identity Theft Report, Proof of Certified Delivery ]
Product: Student loan

I can document through the payment history of my Consolidated XXXX Student Loans a consistent, persistent and systemic pattern of payment allocation errors. 

These errors represent a documented history of fraud and malfeasance by Navient regarding the proper management of my XXXX Student Loans according to the promissory note and, thereby, the Truth in Lending Act. 

For my first example of these payment allocation errors, please see the attached document, which shows the payment made on XXXX, where almost XXXX ( e.g. {$220.00} ) of a {$340.00} payment was applied towards the XXXX Federal Loan, which has the lower principal balance. 

Additionally, I can provide documentation for more than XXXX instances of similar allocation errors over the 12 year repayment history of my student loans with Navient XXXX
Product: Checking or savings account

I opened a Wells Fargo account on XX/XX/20 under a promotion offer of {$400.00} to open an Everyday Checking Account. I was required to make {$4000.00} or more in qualified direct deposits within 90 days. I reached {$4000.00} in qualifying direct deposits on XX/XX/20. Wells Fargo closed my account on XX/XX/20 ( 90 days ) and didn't pay out the bonus they owed me. I called them on XX/XX/20 once I realized they closed my account and didn't pay me the bonus. They said I met all the requirements to be paid for the bonus. However, they said they closed my account because there wasn't enough qualifying activity. They never told me about this when signing up for my account. Either way, I still met the requirements to be paid the checking account sign-up bonus.
Product: Credit reporting or other personal consumer reports

I am requesting that the negative items on my account be removed. There are negative items reflecting on XXXX that are accurate on my credit report. I have made several attempts to resolve this matter. Wound you kindly review my case, and ensure that my credit report is true and fair. Thank you
Product: Checking or savings account

Sometime in XXXX, there were 2 claims put in then bank reversed the claims by putting the funds ( = {$3700.00} ) in our account on XX/XX/XXXX & XX/XX/XXXX. I did not catch this and supposedly i spent that money so all of a sudden bank reversed the funds on XX/XX/XXXX making my checking a negative - {$3700.00}. My pension came in XXXX and bank kept it so as to pay part of the XXXX. I did not get any notice except 2 letters i received XX/XX/XXXX. I'm broke unable to pay my bills. Bank will not work with me as they say i did the claims ( i did not and not being clear to understand whats going on. I'm panicked. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a hard credit inquiry appeared on my XXXX XXXX account. The inquiry was noted to be through a subdivision of XXXX XXXX ( XXXX ). Some investigating revealed that this is PayPal through XXXX XXXX. 

I contacted XXXX XXXX and I was advised that there is no record of anything ( not even an application ). I was advised to contact XXXX  to dispute this. 

I contacted XXXX  and confirmed that there was indeed a hard inquiry on the date in question. XXXX  stated that they needed the date that the application was completed with XXXX XXXX  as well as permission from XXXX XXXX to remove the dispute. I contacted XXXX XXXX and was advised that there was no application but a supervisor would send a letter to XXXX  stating that there is no application and no obvious reason that there should be a hard inquiry on my record. 

This was the first week of XXXX and there has yet to be any resolution. I am reaching out to you to see if there is any way you could assist me with this matter. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX refunds missing childtax payments missing andXXXX loan missing and my paypal and XXXX WONT RELEASE TJOUSANDS of dollars to me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ohio,XXXX my address my email XXXX my phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a credit report ( see attached document ) from XXXX on XX/XX/XXXX ( # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by Pentagon Federal Credit Union ( PCFU ). These PFCU accounts had been included in a bankruptcy which was successfully discharged in XXXX of XXXX and these two PFCU accounts were scheduled to be deleted from all of my credit reports ( XXXX XXXX XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called XXXX on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from XXXX, the XXXX customer assistant told me that PFCU account XXXX was deleted but that PFCU account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. XXXX   told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - XXXX dispute # XXXX. 

If you see my past history of disputes, you can note that PFCU has done everything that it can to keep incorrect credit history on my credit reports. PFCU is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all PFCU accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially Cash App failed to take timely and effective measures to prevent a address fraud on their Platform, leaving my account vulnerable and unprotected Furthermore, their despite resolution process was unfair and Deceptive, As they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek redress for these violations.
Product: Student loan

Can not make payments, due to medical issues. Filed paperwork for deferment & the paperwork was never received by the company. Is not able to work, due to health.
Product: Mortgage

Associated Mortgage Bankers opened a mortgage loan for me, however, the interest rate they charged my husband and I is XXXX %. After speaking with a refinancing company the representative told me that the interest rate is way too high. 

I feel as though the interest rate is discriminatory. I did n't realize that Associated Mortgage Bankers even charged my husband and I XXXX % on the Truth in Lending Disclosure.
Product: Credit reporting

My Alabama state tax lien was paid and released in XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on XXXX of my credit reports ( XXXX and TransUnion ). The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my FICO score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports! Needless to say, I paid it almost right away. 
I have worked very hard to maintain an excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that this tax lien has been " paid and released ''. How can I get XXXX and TransUnion to remove this negative item?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX 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. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX/ XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone applied for credit under my social security number with XXXX XXXX. I called XXXX XXXX services and they say they have sent a request to have the inquiry removed but they refused to tell me any other information except that my name was on the application.
Product: Credit reporting or other personal consumer reports

TransUnion continues to relist a discharged reged debt from XXXX despite the fact that they know it was discharged over a XXXX ago in a Chapter XXXX bankruptcy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ssn # : XXXX XX/XX/XXXX Addresses TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Upon pulling my credit reports from Trans Union, I discovered that you had reported fraudulent inquiries within my credit file. This account has previously been disputed with your company, which advised me to continue the dispute with you. My credit file has been impacted by these fraudulent inquiries. The below creditors have no proof that I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. In light of the fact that there is no evidence of my authorization, nor any permissible purpose, I request that you remove these authorized inquiries from my credit report immediately. In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Un
verifiable 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. 
The following inquiries are unauthorized : 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 To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act. 
In order to clear up this matter, I would like to see these inquiries removed from my credit file. 
If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ). In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report. These accounts were not opened by me, and I did not give my authorization for them to be pulled. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know how many times i have to inform these companies that they have me missed up with someone else. I think someone has been using my information for their personal gain and i need my report cleared. ive called each company and asked for the original paperwork and neither was able to provide them and this was back on XXXX XXXX. 

Account Name : Transworld systems I Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 62 A states I have a right to privacy.

15 USC 1681 section 4 A section 2 It also states a consumer reporting agent CAN NOT furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX has clearly violated HIPAA law in my case. They have my personal information aka medical procedures, too much PMI for a third-party company. I have no relationship or agreement with this company. 

They sent me the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. Diversified adjustment and XXXX XXXX XXXX XXXX  have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
Product: Checking or savings account

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

The company IQ International Data Inc was sold a collection in the amount of {$2800.00} and such was not discussed nor agreed to on my behalf. Furthermore, IQ International Data Inc has expressed different amounts owed {$2800.00} and {$1400.00}. The derogatory claims have truly hurt my credit profile. Additionally the dates are different and such is inconsistent. This acts as a cease and desist of any further attempts to collect the debt and such will be pursued in litigation if continued.
Product: Student loan

As stated, my application from XX/XX/XXXX to switch to IBR was not processed within 66 days, so that I can start paying again toward PSLF and not be on SAVE whose months do not count toward PSLF. I emailed Mohela after XX/XX/XXXX application was not processed and after submitting a 2nd IBR plan change request on XX/XX/XXXX to ask if they even had the XXXX XXXX application which was showing on FSA site as in review for 66 days while my XX/XX/XXXX, 2nd, application was also on FSA showing that it was submitted to Mohela. Mohela responded to my inquiry with an email finally ( never received one in XXXX ) saying they are processing it ( I am not sure which one they are processing ) because the XX/XX/XXXX one disappeared from FSA site and now only XX/XX/XXXX is showing on FSA as " in review. '' While they delete my applications, I am stuck in Save forbearance which is in litigation and none of these months count toward PSLF. I am at 101 of 120 payments. I certified employment for 4 more qualifying months which was accepted by FSA but the months did not count as qualifying payments because I am still in SAVE and can not make payments and am on forbearance. I should be at 105/120 payments. In addition several more months have gone by which do not count toward PSLF. I have been a XXXX  for 32 years and planned to XXXX  next year, but because they will not process these applications so that I can make payments that count, I will have to work longer and they are keeping me from retiring. In addition, when SAVE was implemented, the emails sent said to call if you want to opt out of the change. I called and spoke to Mohela. The rep said at that time that the months in SAVE " may or may not '' count toward PSLF. Based on that response, I emphatically requested not to be moved to SAVE, but Mohela moved me to SAVE any way. I am being harmed by all of this.
Product: Debt collection

This company Portfolio Recovery Associates, XXXX has been trying to collect this debt which is not mine. I have repeatedly filed credit disputes on this company. 

This company has been trying to collect this debt since 2016 which is out of the statute of limitation 's to collect this debt. This company keep reopening this account with current dates which is false. 

Furthermore, this company is not licensed to collect debt in XXXX, Tx and I am requesting to stop sending mail regarding this matter and remove this debt from all ( 3 ) credit reporting agencies. 

The following is : Date:2016 Amount : {$610.00} Actions Taken : Filed several disputes with the credit agencies.
Product: Debt collection

XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and Phoenix Financial my medical information. This medical bill was submitted to, or should have been submitted to XXXX County for XXXX care ; as I requested more than twice. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. Because the CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, it is obvious they are not a covered entity. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Product: Vehicle loan or lease

My daughter purchased a used vehicle and was making payments on it. The loan was through Chase Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX. This account is being shown on my credit report as a charge off. I called Chase Auto Finance and explained that is showing a paid charged off on my credit report. I explained that this was my adult daughters car and not my responsibility. I asked them to send me a copy of the car contract from the dealership to show that I signed for the car. That request was done in XXXX of 2020, I called Chase again because I never received a copy of the car contract and its now XX/XX/2020. They stated that they requested the wrong document and were requesting it again. I explained to Chase that this was not my financial responsibility and secondly the car was not charged off, my daughter paid the car in full. In fact, Chase sent her the pink slip of the car, why would they do that if monies were still owed? Chase agreed that the balance was XXXX but its still a charge off. I let Chase know that I am purchasing a home and this error they are reporting is affecting my purchase, but they would not budge. To me, a charge off is when a creditor did not receive payment in full, in this case the balance is XXXX  and they still are showing a charge off. So when other lending institutions look to my credit they think that I did not pay this account in full, when in-fact it was not even my responsibility. I have been dealing with this since XXXX for 5 months now. 
I need CFPB to help me clear this item as the credit reporting agencies are saying the Chase Auto Finance keeps telling them that they are reporting this correctly. 
Sincerely, XXXX XXXX