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

Complaint Against Experian Regarding Inaccurate Credit Reporting and Failure to Address Disputes To Whom It May Concern, I am filing this complaint regarding Experians failure to correct inaccuracies on my credit report despite my efforts to dispute them. The unresolved inaccuracies have caused financial harm and significant frustration, as they continue to misrepresent my credit profile.

Despite submitting disputes directly to Experian, the following issues remain unaddressed : Information that is inaccurate, outdated, or incomplete. 
Discrepancies in account statuses, balances, or payment history. 
Information that can not be verified under the requirements of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly attempted to work with Experian to resolve these inaccuracies, but they have failed to take corrective action or conduct a proper investigation as required by federal law. I am submitting this complaint to the CFPB because Experians handling of disputes appears to violate their obligations under the FCRA to ensure the accuracy of credit reports. 

Additionally, I am aware of the CFPBs legal actions against Experian, which highlight systemic problems in their handling of consumer disputes. My experience reflects similar issues, as Experian has not fulfilled their responsibility to provide a fair and accurate credit report or to investigate disputes thoroughly. 

I respectfully request that the CFPB : 1. Investigate Experians failure to correct inaccuracies on my credit report.

2. Ensure Experian complies with the FCRA by either verifying the disputed information or removing it if it can not be substantiated.

3. Address broader compliance concerns regarding Experians dispute resolution process. 

I have supporting documents to include at this time, the inaccuracies are clearly visible on my credit report and should be easily identifiable through a thorough review. 

This situation has caused undue stress and negatively impacted my financial stability. I trust the CFPB will investigate this matter and hold Experian accountable for their failure to comply with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Prepaid card

I opened a dispute with a merchant. The company reached out and resolved the issue. I called Direct Express to let them know that the company has resolved the issue and cancel the dispute. They said they can't close a dispute once it opens. This doesn't seem like acceptable practices as since the merchant solved the problem this is undoubtable put me in not good standing with the merchant. I have been on the phone for hours trying to reach a supervisor to know avail. XXXX claim dispute.
Product: Checking or savings account

I deposited 2 pay checks thru the mobile app and I have not been able to access funds. I deposited the checks XXXX and the beginning of XXXX
Product: Money transfer, virtual currency, or money service

Dear sir/madame, On XX/XX/2022, I sent a wire transfer from my business account at Bank of America to my partner 's account at a bank in XXXX to pay for the services they provided to my company. The receiving bank in XXXX was supposed to be XXXX, though the funds never reached it. The whole chain is Bank of AmericaXXXX XXXX XXXX 
XXXX XXXX. is an intermediary bank in this transaction, and I assume XXXX XXXX. has been holding my funds since then. The XXXX number for this wire is XXXX. 
I have previously submitted a complaint against XXXX with Consumer Financial Protection Bureau, case # XXXX. Based on their response received on XX/XX/2022, XXXX XXXX. is unable to assist with a wire in which XXXX is the intermediary bank. XXXX advised to contact the origination bank, which is Bank of America. 

I have contacted Bank of America prior to that complaint over XXXX times in XXXX and XXXX of 2022 with no luck. Per their verbal statements, they have attempted to request a wire recall which was denied, and can not assist me any further. 
Bank of America has not provided any proofs that such request have been made and/or denied. Their wire department and money move team were not helpful and I would say some representatives were even rude with me. They told me there was nothing they could do to help me to get my money back into account, and advised I should not call them any more about that wire. 

It's almost 5 months I am missing {$52000.00} on my Bank of America account. I am a customer of Bank of America, they were the bank sending that wire that got lost. They have charged me wire service fee, and I believe they did not do their job properly to get those money back into my account. By filing this complaint I am asking Bank of America to provide me documental proofs of wire recall requests being made and being denied, and to further investigate this wire transfer until the money being returned into my account. 

Thank you for the support, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a account on my credit reports that I did not open I want my right by fair credit XXXX for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately
Product: Credit card

I recently got a call for a debt that is past the limits to be reported collection agency collecting for household bank says I owe but this does n't show on my credit report is there any way my rights are being violated since I have not received any letters from creditor or collection agency since 1999 and it 's been over XXXX years since this debt was removed
Product: Money transfer, virtual currency, or money service

I used Paypal to make a {$.00} XXXX time transaction with a company named XXXX. I was offered a monthly subscription for {$24.00} but declined in lieu of paying {$.00} for a single transaction. 

On XX/XX/XXXX and again on XX/XX/XXXX my credit card was charged a {$24.00} subscription via Paypal. On XX/XX/XXXX I contacted Paypal ; they reversed the XXXX charge the same day ( XX/XX/XXXX ) but did nothing for the XXXX charge. I then contacted my credit card and they opened a dispute for the XXXX charge. Paypal responded that they had reversed the charge on XX/XX/XXXX. I called the credit card and explained that they reversed the XX/XX/XXXX charge not the XX/XX/XXXX charge. They re-opened my dispute and eventually ruled in my favor. However, on XX/XX/XXXX Paypal has created a negative balance against my account for the {$24.00} stating that the XXXX charge was ruled in favor on the merchant even though they are referring to the XX/XX/XXXX reversal. 

Paypal provided erroneous information to my XXXX dispute by stating that I had already had that charge reversed. The only charge that was reversed by Paypal was the XXXX charge NOT the XXXX charge. They will also argue that the charge back from my credit card was for XXXX, not XXXX. This whole disagreement is rooted in Paypal providing a incorrect response to my initial credit card dispute for the XXXX charge
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 XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I completed a mortgage application on the Truist website. At the time I had until XX/XX/XXXX to check my credit for a mortgage without any additional penalties. On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Originator/ Truist pulled my credit for a mortgage, 12 days after my request. I have called several times and sent several emails requesting that they report the error to the credit bureaus and my request have been ignored.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I called in to first heritage and requested a loan for XXXX. They called me back a few hours later with an approval stating they could pay off XXXX of my other accounts and give me the XXXX. I told them absolutely not I only wanted the XXXX. She agreed to my terms. Fast forward me and my fiance go in to sign the documents. It's all on a very small tablet. No details except our payment amounts are told to us. Using an arrow button the loan officer would say okay now click your signature here. No actual signing was done. Just a couple clicks of a button. Nothing was explained. Nothing was optional. And at the end we didn't get a copy of any contract. Fast forward XXXX weeks later when I call to pay my other loan. I was told it was refinanced. So I speak to the manager tell her my issue she says she can't do anything. It hasn't even been a full 30 days since I called the first time. She gets with her district manager. District manager says she can't do anything because it's out of the month I made the loan in which is XXXX. They only had a few days left to that month and I didnt get a contract so I didnt realize until the end of month was over. I told district manager I wanted someone higher because they have recorded conversations of me NOT AGREEING to anything other than the XXXX. Also an employee of theirs who took my application remembers I didn't want it. She said she would send it to home office. Fast forward to Monday XX/XX/XXXX I finally hear back from my local branch profusely apologized saying there's nothing she can do and it was her mistake. So I told her I'm not dealing with them I will have someone buy out my account. My first note isn't due until XX/XX/XXXX. I call today XX/XX/XXXX for a payoff amount and a copy of my contract to be emailed because the company that is buying my account out is confused as to where all these charges are coming from. I get my contract and notice we had all these optional charges which were not ever offered to us in our contract. But our signatures are there because again it was all electronic. I'm so mad. We will be charged XXXX dollars extra on a XXXX dollar loan. And there isn't anything they can do about it according to them.
Product: Debt collection

I placed a complaint a few months ago and that complaint went nowhere so I am here now sending in another complaint. I owe {$57000.00} to Great Lakes who took over the loan for XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX. I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I feel that XXXX XXXX took advantage of not only me but to Great Lakes as well. It does not seem fair in any way that I should have to pay my loans to Great Lakes knowing that XXXX XXXX continued to provide education to me knowing they were in financial stress. I can't be the only person complaining about XXXX XXXX so I just hope this leads somewhere.
Product: Debt collection

Santander Checking account did a ACH mistake twice to my account. And santander loan charged of {$2000.00} off my account when the santander ach made a mistake. 
Charge me money that did not belong to me. 

Left my account on negative {$2000.00} And they wont return the money to the account. After explaining that it was not my money. 

I explained Im filing for bankruptcy and been constantly getting harassed by their phone calls. 
explained that {$2000.00} is for taking. 



XXXX XXXX  XXXX XXXX.
Product: Credit card or prepaid card

Visited a XXXX XXXX mattress store and was approved for a credit limit of {$8000.00} via Synchrony bank. After careful consideration, I decided against a XXXX XXXX product and visited a XXXX XXXX mattress to use my {$8000.00} synchrony credit only to be denied. I was encouraged to file an application for credit with Synchrony via XXXX XXXX only to have my credit denied! A week and a half after, I visit another mattress store Mattress Firm, again financed through Synchrony. I explained my dilemma and was asked to apply once more only to have my credit declined! It seems synchrony is applying consumer punishment for failing to purchase through their partner at XXXX XXXX. 
I am also yet to receive their reason for their continued denial. 

Is this not a violation of the Fair Credit Act? Please advise. 
A very disappointed Synchrony customer, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate information on credit report. I received a copy of my credit report and found the following item ( s ) to be in error : BANKRUPTCY REFERENCE # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of your receipt of this letter and update my account as necessary. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months, including XXXX, XXXX and Equifax. Thank you for your time and help in this matter. 
XXXX XXXX.
Product: Credit reporting

There 's a XXXX collection on my account reporting for {$780.00}. I 've never done business with this agency and they can not give me a signed contract or proof that I owe this debt. I have disputed this many times over the years. I have sent a written request for the credit bureaus to prove the debt is mine as of XXXX 2017 ; no response or any removal of the account as of yet. This is causing issues with me obtaining credit due to the negative information being displayed on my credit report.
Product: Debt collection

XX/XX/XXXX- I received a call at work. They did not want the person who answered the phone to get me just to give me a message. 

Caller XXXX XXXX Reason : " Someone has filed a legal complaint about XXXX. I am trying to stop them from serving papers '' Called from phone # XXXX-XXXX-XXXX  but I was to call back on XXXX-XXXX-XXXX-XXXX.  I called back and he told me that I owed {$3000.00} to Fifth Third ( I have not been with them for 12-15 years and closed account on positive note ) and court cost will be an additional {$2500.00} plus the 29.9 % interest that I keep accruing and if I do not pay I will have a court order delivered to my job in 24-48 hours. I told him go for it because I do not owe Fifth Third. I asked for backup and he could not provide. Also, said he sent papers to my house which I never received. Kept threatening me with my assets said they are being investigated now. Called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Debt collection

In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was XXXX account ending in XXXX Credit Control LLC & XXXX has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via XXXX mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.
Product: Debt collection

I contacted Aldous & Associates with letter ask from copy of my wet signature of contracts of a membership that I never signed for. Its not valet debt.
Product: Debt collection

This company sent me a statement that I owed a debt to them and I have never heard of them until I received this notice. They are damaging my reputation by putting negative information on my consumer report after receiving a cease and desist ; they have defaulted in responding to my debt validation requests and affidavit. I sent them notices and highlighted their violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concern for consumer safety.
Product: Checking or savings account

XX/XX/20- US Bank has recently decided to close my account, without any reason. My theory is that a month back I had filed suit in which I suspected the bank had wrongfully managed my account. The court did not rule in my favor, I had left it alone afterwards -- if the court said the bank was acting in good faith why pursue it? I feel that because I had exposed a lot of the company 's actions they have decided to terminate my account but because they aren't releasing information about why they are closing my account I am only left to speculate. 

I wish to remain having an account and I feel as though establishing a policy that allows the bank to terminate my account without any reason or for whatever reason is a violation of my Freedom of Choice and my First Amendment Right to choose what bank I can bank with. Of course, I choose another bank but if US Bank is allowed to do it so would any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00}
Product: Mortgage

I recently had a claim with Homepoint financial ( " HP '' ) related to my escrow account. HP incorrectly set up my escrow account by using incorrect tax information, they claimed the information was not readily available when I was in the process of refinancing my home. I provided HP with the initial estimate produced by point equity that correctly calculated my impound account. As a result of this error, my initial impound account was underfunded on day 1, this should not have happened and I was surprised it was not caught during closing or notified of the issue on day 1.

I have a clear paper trail between point equity ( lending broker ) and HP showing the change between my initial refinance estimate with the correct impound account information, and the closing document that was using the incorrect information. I requested HP to remove my escrow account, and I was told that I would need to pay the outstanding balance of {$3700.00} before I could take over my impound account.

Instead of admitting there was an error at the close of my refinance, HP reduced my mortgage payment without discussion or reason, and also mailed me with an escrow release waiver. When my case was closed, I was provided the reason as to why my mortgage payment has changed, which was HP spreading the shortage over 5 years. As a result of this process I notified HP that I am disputing the XX/XX/2022 payment until a reasonable resolution is reached.
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. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) : Account number # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : Account number XXXX XXXXXXXX, XXXX XXXX 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 an 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.