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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Resolution : I want all accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is deliberately causing me hardship and defaming my character as well as intentionally violating my consumer rights. I wrote to Experian on XX/XX/21 requesting they update/ correct my address and send me a updated credit report in the mail. Which they have not. Also on XX/XX/21 I mailed them a letter requesting they correct my credit report and send me a updated copy, at which I have still not received a response nor a copy of a updated Credit Report in the mail from them. I feel they are intentionally ignoring my requests and continuing to report negative, inaccurate accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from the US Bankruptcy court in response to a letter I sent them in reference to requesting if they have submitted any information about the bankruptcy reporting on my consumer record. Us Bankruptcy notified me stating they do not supply any information to the credit bureaus. On XXXX I received notification from XXXX XXXX from my request prior to opt out, stated US Bankruptcy court did not furnish my personal information to their agency. XXXX XXXX the furnisher for public records deleted the bankruptcy from the agency records. 

On XXXX I submitted a letter to Experian and XXXX requesting information from the bureaus. Experian responded remain but XXXX have not submitted the results. Experian have not properly investigated the account based on the fact the Furnisher who remove the bankruptcy. 
This a violation of my right for privacy. According to 15 USC 1681a ( e ) - this is a direct violation of my right for privacy.
Product: Checking or savings account

On or Around XX/XX/year>, BMO Allowed a transfer to be sent external to an Old Glory Bank for an account I never added nor authorized any transfers to. It showed that account # ending in XXXX the Transfer was for {$460.00}. I never sent any transfers to this account, and I do not know who added the account nor made the transfer. However what I do know is that BMO Authorized a transfer of {$460.00} of my funds to this account. I did not receive any funds because that is not my account. That account was actually opened as a result of identity theft. BMO Knew that and allowed the account takeover when I found out I changed my password and tried to call in but BMO Told me I needed to speak to someone else in a different department and never transferred me. BMO Owes me a refund of {$460.00} I fully expect my refund for a transfer I did not conduct. I also asked for Both the Checking and Savings account to be closed. BMO Told me they would close the accounts as Consumer requested closure. However then they later tried to come back and told me its {$50.00} charge to close each account. I am not paying them {$100.00} to close an account I never opened or consented to. BMO Stole my funds in the amount of {$460.00} from a fraudulent transfer. BMO needs to properly investigate these charges, and BMO also needs to allow consumers to close their accounts should they wish without trying to charge them {$50.00} per account. I did not agree to any {$50.00} charges. These accounts were originally opened as identity theft as I stated Before. BMO Then proceeded to allow fraudulent transfers as mentioned above to someone elses account whoms I do not know. I do know that I want my funds back and BMO Can send the funds by Certified check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

good afternoon, I'm requesting assistance in the matter of myself and XXXX XXXX. I'm in the process of paying off my mortgage with them, and I've gotten down to the final payment due XX/XX/XXXX. I called them on XX/XX/XXXX to get the final amount due. upon speaking with them I was told that a letter would be sent within the week with the details and payoff info. today makes three weeks since with no response. I've not received a statement also. they took XXXX on XX/XX/XXXX, and I presumed a final payment.i called today and spoke with aaaa person who states that the payment was in suspension, and not applied to my account. this person states that a letter was sent the day I spoke with the first person, and he probably didn't know it was sent at that time.she then states that a second letter was sent on XX/XX/XXXX.i haven't received any letters from them. I've read reviews about planet mortgage and I feel that they're not honest. now they want me to send a certified check ( as if i'm not honest ) to them for XXXX to payoff my account. on XX/XX/XXXX the principal balance was XXXX. I was requesting the total amount to send to cover the difference.now I've called them twice regarding this matter and getting the run-a-round. as I stated to the " person '', this is XXXX! thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681. 

JEFFERSON CAPITAL SYSTEMS is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and i did not give JEFFERSON CAPITAL SYSTEM written permission to furnish this account JEFFERSON CAPITAL SYSTEMS ILLEGAL AND ADVERSRE REPORT ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very XXXX. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to have this delinquent reporting pulled from My Credit Bureau. Thank You!
Product: Checking or savings account

On or around XX/XX/2023 I filed a debit card dispute against XXXX XXXX XXXX XXXX for the amount of {$1300.00} to navy federal credit union. they promised me that they are investigating the charges. ive been calling for over a week now and they keep giving me different answers telling me things like it has been assigned to someone already and others saying it's still waiting assignment. i would like for them to please go ahead and look into this so i can get my money back from XXXX XXXX XXXX XXXX
Product: Checking or savings account

To who it may concern The date is XX/XX/year> on Tuesday I received a zelle transaction XXXX XXXX dollars.My account was suspended..The bank was contacted and did explain its a fraudulent activity and the account will be closed down.. I kept calling for any updates on the case or any documentation i needed to provide but no update for more than XXXX months..On XX/XX/XXXX I was told the money was transferred back to the sender on XX/XX/XXXX but thats not the case, ,when I called in XXXX they mentioned the money would be processed in a week time but I called in XXXX and they said it was done in XXXX left stranded on what to do and needed help to resolve the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NOTIFIED BY EMAIL OF A PROMOTION AND EVENTUALLY CALLED BACK WITH THE THOUGHT OF XXXX DOWN IF USING MY CREDIT AS A ASKED MULTIPLE TIMES ON THE PHONE... SHE SAID NO YOU WONT HAVE TO PAY NOTHING IF APPROVED AFTER BEING PERSUADED BY FALSE WORDING FROM HER SHE RAN IT WELL AS THE CREDIT WAS RAN I WAS ONLY APPROVED FOR XXXX THE SALE REP WORDS WERE " OHHH NO I DIDNT KNOW I THOUGHT IT WOULD POSIBBLY PAY ALL '' AFTER SAYING IT WOULD I OPTED OUT AND NEVER USED CREDIT AND CALLED ON A LATE FRIDAY THEY SAID IT WOULD BE REMOVED STILL NOTHING INTIAL EMAILS ATTACHED
Product: Credit reporting or other personal consumer reports

Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX theft XXXX XXXX XXXX Identity theft XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXX XXXX  identity theft account Old Negative Accounts over 10 years reporting. 
XXXX XXXX not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.
Product: Debt collection

Conserve reported a collection on my credit report for a paid debt I had no knowledge of. 

I never received written or verbal communication prior to the collection appearing on my credit report. 

Therefore, I did not have an opportunity to challenge it. 

I confirmed the mailing address Conserve and the creditor has on file for me is incorrect. 

The collection item is unfairly and negatively impacting the once-perfect credit history and I never was made of aware of a debt being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to submit a dispute for a hard inquiry with TransUnion. A hard inquiry was performed by XXXX XXXX XXXX XXXX ( the lender ) without proper disclosure. I was given guidance from the lender that they could not have the hard inquiry removed and that the best course of action would be to dispute it with the credit bureau. However, there is no process for disputing an inquiry through TransUnion. This has negatively impacted me financially by reflecting incorrect information on my credit report and impacting my score.
Product: Student loan

Navient was suppose to be trusted but all things listed below is what : created obstacles to repayment by providing bad information processed payments incorrectly overpay for their student loans ; harmed my credit
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} STATE XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2800.00} UNAUTHORIZEDCOLLECTION - XXXX - XX/XX/XXXX - {$1200.00} UNAUTHORIZEDCOLLECTION - XXXX - XX/XX/XXXX - {$97.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$490.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

After applying to the American Express Platinum card offer, that offered XXXX Membership rewards points if you spend {$3000.00} within the first 3 months of account opening. I went ahead and spent the {$3000.00}. The XXXX was given to me, and then taken back a few weeks later. After calling American Express and being run around by the staff, I received a letter stating that they are going to be removing the points. They never gave me an official reason. They owe me XXXX Membership Rewards points, as the spending requirement was met as you can see from my statement attached, was met with regular day to day spending. There still is no explanation as to why American Express has taken my points back, and I demanded them back from many different representatives. If you can be of assistance, I would really appreciate it! Thank you in advance!!!
Product: Student loan

The following information listed below is from the Navient website pertaining to my account states that I have two loans for a XXXX UNIVERSITY XXXX, I never attended this school in my life. 

I would like full disclosure of all pertinent information relating to this school including Promissory Notes supposedly signed by me. 

XXXX Stafford - Subsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$2400.00} 4.660 % XX/XX/2019 Hide more informationXX/XX/XXXX Stafford -  Unsubsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$3300.00} 4.660 % XX/XX/2019
Product: Credit reporting

Twice now I have disputed through Equifax with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.
Product: Bank account or service

Re : Wells Fargo checking account. 
They took a check that cleared from XX/XX/XXXX and processed it again. Those funds were taken out of my account on XX/XX/XXXX. After several calls and a threat to take this matter further with you, I gave them until today to put the money back into my account. The did put the money back into my account today ... but ... they were not able to or willing to explain how this happened. 
I would like you to investigate how this happened. 
I will include copies of the check and my current statement. 
Thank you.
Product: Credit reporting or other personal consumer reports

I recently just started checking my credit and notice unfamiliar inquiries on my report. 

XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated an international wire transfer from Chase to XXXX XXXX XXXX XXXX ( XXXX ) in the amount of usd XXXX. Confirmation code issued was XXXX. 
The wire had the wrong account number and the funds were apparently returned by NY XXXX XXXX  ( XXXX XXXX  ) to Chase on or about XX/XX/XXXX. 
Since then, I have been calling the bank to ask about the status of deposit of my funds back into my account ( account XXXX. XXXX Chase ) and they keep saying that the funds will be deposited within the next XXXX hrs. I have attempted to resolve this issue through the local Chase branch in XXXX CA ( XXXX ) XXXX and through the wire transfer customer service line XXXX. Each time I call I'm told that the funds will be in the bank any time. I called over XXXX times. 
XXXX XXXX. For your reference is XXXX
Product: Checking or savings account

On XX/XX/2022, we were scammed by someone who claimed he worked for XXXX XXXX and said our computer had been hacked and funds had been taken from our Citibank checking account. Over a few days, he convinced us that the FBI were investigating it and frightened us into making a couple of wire transfers totaling {$87000.00}. We were told to lie to the bank 's representative because someone inside Citibank was behind the fraud. When we learned on XX/XX/2022 that the phone number we had been calling was fraudulent, we called Citibanks fraud department to report what had happened and on XX/XX/2022, we submitted an elder complaint to the FBI Internet Crime Complaint Center ( https : //www.ic3.gov ). On XX/XX/2022, we received a letter from Citibank letting us know that our fraud claim had been denied. On XX/XX/2022, we wrote back to Citibank appealing their decision since Citibanks denial clearly concedes that this was a scam, and EFTA expressly forbids denial of a claim due to any negligence by the customer. We received an identical letter from the bank to the first one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a COVID-19 forbearance agreement with my lender ( XXXX XXXX ) due to hardship experienced during the COVID-19 pandemic. I lost my job due to COVID-19 and could not afford to make payments at that time. I asked my lender repeatedly if this will have a negative affect on my credit score and they repeatedly said NO. At the end of my forbearance period, I made a FULL payment towards the loan and a few months later I sold the house and paid the mortgage in FULL. Now I am learning that the mortgage company lied to me and they DID in fact report all missed payment on my credit report. That was NOT what we agreed to at the time. I have tried to contact them but they are being unresponsive. 

Attached is a letter I received showing that the mortgage has been paid off in full. 

XXXX XXXX lied to me and this negatively affected my credit score.
Product: Credit reporting, credit repair services, 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 Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number: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.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by my credit monitoring service that Loancare LLC listed my mortage account as derogatory chapter XXXX bankruptcy. I did not file bankruptcy as I am unable to because I filed in Massachusetts on XX/XX/XXXX. My wife who is NOT on the loan and is not a co borrower file in XX/XX/XXXX. Loancare was listed in her debtors page in guidance from her attorney.
Product: Vehicle loan or lease

I bought a car from California auto finance. I was never late on making my payments. At the end of my loan my car was totaled and payed off by my insurance company!
Product: Mortgage

NationStar Mortgage charged {$75.00} for " maintenance '' as a lender expense, statement dated  XX/XX/XXXX  ( attached ).   I called them at  XXXX  to ask what this was for, and was informed that it was for " lender paid items '' related to " upkeep of your account '' for " service related to the loan on the property '' and about 25 minutes later ( after being placed on hold several times ) that it was " charged for inspection done on my property '' on "   XX/XX/XXXX   '' I asked that a copy of the report be sent to me  (  it is attached ). The invoice is for {$15.00} dated   XXXX   ( not {$75.00} and not   XX/XX/XXXX   ). Additionally, there are several errors in the report -- such as the property is a  XXXX -family brick row worth {$300000.00} and that a relative was interviewed -- which makes me believe this was a phoney report.   My former mortgagor  XXXX  sold all their loans to NationStar in   XX/XX/XXXX   and I am wondering how many other people received the same {$75.00} fee. If every single mortgagee from  XXXX  was charged {$75.00} during the buyout / transition, that could be hundreds of thousands if not millons of dollars.
Product: Credit card or prepaid card

Chase Travel booked and charged me for a flight that did not exist ( XXXX XXXX XXXX Thursday, XX/XX/2023 flight ) from XXXX XXXX, California to XXXX ( XX/XX/XXXX - cancellation date ). I cancelled the flight ( XX/XX/XXXX ) and still have not received a refund. It has been 3 weeks and I have called over 3 times to Chase and yet still no refund. I need to be refunded {$860.00} and XXXX points.