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

Experian has failed to address multiple inaccuracies on my credit report despite my repeated communications, including certified mail sent directly to their dispute resolution department. These inaccuracies include accounts resulting from identity theft, duplicate accounts, and outdated or incorrect information. Experian has neglected their obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and correct these errors within the legally required 30-day timeframe, causing significant harm to my creditworthiness and quality of life : XXXX. XX/XX/XXXX : Sent certified mail to Experian disputing the following accounts : - XXXX XXXX : Paid in full over seven years ago and duplicated on the report. 
- XXXX XXXX : Duplicate auto lease account marked as " paid, closed, '' with no status update for over four years. 
- XXXXXXXX XXXX XXXX Settled account incorrectly reflecting as " written off '' rather than " paid in full. '' XXXX. XX/XX/XXXX : Received no response or confirmation from Experian regarding the disputes, violating the 30-day investigation requirement outlined in the FCRA. 

XXXX. XX/XX/XXXX : Sent a second certified mail request to escalate the dispute and demand correction of inaccuracies. Experian has continued to ignore my communications. 

XXXX. XX/XX/XXXX : Sent another certified letter outlining the same disputes and emphasizing their ongoing violations of the FCRA. This letter included detailed documentation for each disputed account, again demanding corrections within the legally mandated timeframe. 

XXXX. XX/XX/XXXX : Sent a follow-up demand letter reiterating the unresolved disputes and warning Experian of impending legal action and a report to the Federal Trade Commission XXXX FTC ) due to their continued inaction. This letter included further documentation of the harm caused by their negligence and explicitly demanded immediate corrections and compliance with the FCRA. 

Impact on my life : The failure to address these inaccuracies has resulted in : - Denials for credit applications, preventing me from obtaining financing to improve my living conditions. 
- Denials for housing applications or increased security deposits due to inaccurate credit reporting. 
- Higher insurance rates based on erroneous credit data.

Experian 's negligence in maintaining accurate information and responding to disputes has caused ongoing financial and emotional distress.

Experian directed me to contact their 800 number to dispute inaccuracies on my credit report. However, this number does not facilitate filing a proper dispute, nor does it allow for uploading supporting documents. Attempting to dispute fraudulent accounts online redirects me back to the same 800 number, creating a frustrating loop that prevents me from efficiently resolving these issues. This process is less responsive compared to other credit bureaus and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies provide reasonable procedures for consumers to dispute and correct inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX has been charged off for more than 7 years and should be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I went to check my credit score on XXXX XXXX and there 's an account to called XXXX/Cbna and  Internet said it 's best buy I called and they have no record of me on there. On credit XXXX says limit of XXXX and XXXX is used and account ends in XXXX. I do n't know what this is because I have no card of a limit of XXXX. Can someone please help me understand this and is this fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX  ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX.

XXXX did remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX CITIBANK N A // 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete
Product: Payday loan, title loan, personal loan, or advance loan

Leased furniture through Acima leasing from XXXX XXXX. Contacted Acima leasing, both customer service and local agents ; multiple attempts beginning early to mid XXXX. Spoke with an agent by the name of XXXX who advised me he would need to contact his XXXX regarding termination of lease requested by me. XXXX and agent refuse to respond back and communicate with me. Needing further info on the return of products but no further information has been given. Left multiple messages with no response to my request.
Product: Debt collection

Repeat calls and voice mail everyday. In the morning and after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the chance to go over my payment history letter sent from The Department of Education/XXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an Experian screenshot of the late payments from The Department of Education/XXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, Experian, XXXX and XXXXXXXXn that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATION/XXXX within this complaint so you can see for yourself that I NEVER had a late payment.
Product: Mortgage

XXXX informed me that I was approved for a forbearance period starting XX/XX/2020 and ends XX/XX/2020. They did not inform me that I would have to pay the 3 months until I recieved a letter weeks later. I told them they are setting us up for failure as we can not make our monthly payments so how do they think we can make XXXX payment ya at once. They basically told me those are the guidelines. This is not right Also! I was told when I purchased my home as a single mother that my PMI would fall off after 3 years. When I inquired 3 years later, they told me my type of loan doesnt apply. They are not being honest and are saying and doing anything just to get people to buy homes through them
Product: Mortgage

XXXX XXXX/Fearon Financial did not act in my best interest and in the end failed to provide me with the services for which I was charged. 

My initial contact was with XXXX XXXX, I Inquired with her, among many other things, as to what requirements there were of my HOA for my condo to qualify for a 30-year fixed rate refinance loan through their institution. She advised me, and ultimately misinformed me, that the underwriters would check to make sure that the HOA was not in financial trouble, and that they had a reserve fund. She made no mention of a very specific requirement regarding the percentage of homeowners delinquent on their HOA dues. However in the end, because of the XXXX XXXX XXXX XXXX requirement, they did require a maximum of XXXX % delinquent homeowners, which our HOA slightly exceeded. This is a firm requirement that is simple and easy to convey to prospective borrowers, which would then allow them to make an informed decision about proceeding with the loan application process. XXXX XXXX made no effort to protect my interests in this matter, and only acted in their own interests by pushing me to hurry and sign the application and deposit form without the proper information despite my efforts to obtain it. XXXX XXXX therefore did not act in good faith towards myself, the consumer. 

In addition to providing me with misinformation, XXXX XXXX also failed to provide an accurate appraisal of my property, despite charging a {$500.00} fee for such proposes. The document sent to me and purported as the appraisal of my condominium contains such substantial inaccuracies that it can not be considered an actual appraisal of my property. I have attached a copy of the appraisal, both as it was sent to me and with the portions that I was able to determine as inaccurate highlighted. Although there are many areas where the document is inaccurate, the property description is particularly egregious, as it is clearly not a description of my property what so ever ( e.g. my property has no hardwood floors, rooftop balcony, or recessed lighting ). This is clearly not a trustworthy document, and it is beyond any reasonable consideration for repair. 

In addition to taking money for services they did not provide, XXXX XXXX wasted my time, my energy, and my emotional fortitude as a hardworking homeowner trying to make ends meet.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX and Equifax for reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 
In XXXX of XXXX, I entered into a payment agreement with XXXX XXXX XXXX for a balance related to XXXX XXXX XXXX XXXX XXXX. Since XX/XX/year>, all monthly payments of {$140.00} have been made on time, never missed, and auto-debited from my account. I have attached bank statements and XXXX XXXX XXXX 's monthly payment confirmation emails as proof. However, in XX/XX/year>, XXXX XXXX XXXX falsely reported this account as a collection to Equifax, which should not have happened since my payment plan was active before it was ever reported negatively. I disputed this with Equifax multiple times, supplying clear proof of my on-time payments, yet Equifax failed to correct the reporting and continued to verify the inaccurate information, I also sent a Goodwill letter to XXXX XXXX XXXX certified mail. This is a clear violation of FCRA Section 623 ( Duty to Provide Accurate Information ) by XXXX XXXX XXXX and FCRA Section 611 ( Failure to Conduct a proper Investigation ) by Equifax.
Product: Debt collection

On or about XXXX, was confronted with a demand that I pay {$580.00} for any and all damages allegedly incurred. I initially paid a deposit of {$450.00} to the apartments themselves and also paid the deposit of {$350.00} to FLEX for any and all move out fees. Despite my payments, I subsequently received communications indicating that the entity would damage my credit with false accusations. This threat to report inaccurate informationafter having met their demandhas caused me significant distress and harm to my credit reputation. 

I do also have screenshots of conversations with the apartment XXXX who refused to fix damages in the apartment during the duration in which I lived there that were bad for my health due to mold cause by leakages in the roofing. 

Issues of Concern : 1.False and Inaccurate Reporting : The Flex Deposit Tx entry appears to be based on false information, and I have no record of authorizing or being responsible for any such transaction.

2.Unlawful Credit Threats : After paying the demanded {$350.00}, I was threatened with credit-damaging actions that are unfounded and deceptive. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
3.Consumer Harassment : The actions taken by the entity represent an abuse of their position, resulting in undue pressure and potential harm to my financial standing.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly. I believe that the entitys actions are in violation of federal laws designed to protect consumers from false reporting and abusive credit practices. I have enclosed copies of all relevant documentation, including payment receipts and any communications received, which support my claim. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit card

My wife and I were deciding where to move to for a new apartment complex. We made a few visits with XXXX XXXX XXXX and on XX/XX/XXXX we submitted application fees of {$110.00} on individual credit cards as they would not accept one lump-sum payment for the both of us. 

After paying with our application fees, the apartment complex was experiencing technical issues and was asking for our social security numbers, which made us suspicious as that information was already included in our applications. As a result, my wife spoke with XXXX on XX/XX/XXXX on the phone, who shared that she would issue BOTH of us refunds due to these technical issues, which made us change our mind about wanting to reside at XXXX XXXX XXXX. 

On XX/XX/XXXX, my wife, XXXX XXXX, sent a follow-up email as we had not received any further communication from the staff at XXXX XXXX XXXX XXXX I even visited them the evening on XX/XX/XXXX, and was told that someone would speak with us over the phone the next day, which did not occur. 

Finally, they issued a refund for my wifes credit card, but not to mine! This is the crux of the issue, as Goldman Sachs is stating that I am XXXX out of luck due to XXXX XXXX XXXX terms and conditions. However if that were the case, why would they issue my wife a refund? 

Plain and simple - I am owed a refund of {$110.00}, and Goldman Sachs wants to XXXX over the every day American because theyre greedy.
Product: Money transfer, virtual currency, or money service

my PayPal is a business account, on XX/XX/XXXX I got a transaction of {$2500.00} and PayPal blocked my account all of a sudden putting it on 180 days limitation, please I need the account to be rectify because its my business account and I am fully aware of the transaction on the account
Product: Credit card or prepaid card

I want to terminate my American Express Card on the XX/XX/XXXX and I scheduled my final payment for the XXXX of the month.
I have rewards that I earned and that I want before terminating the card. American Express will not give me my rewards. I previously filed a complaint # XXXX because I filed a dispute against XXXX XXXX XXXX XXXX as they fraudulent billed my credit card for {$150.00} for a tow truck, ( the car I rented stalled and would not start ). American Express received the complaint on XXXX XXXX, 2017 and as of this date has not resolved the dispute. I filed a complaint with the State of Hawaii Consumer Protection Bureau and received no support for my claim of Fraud from American Express. I no longer want this card ; however I do want the rewards that I earned over the past 10 years. I have exhausted myself resolving this dispute alone, without the support of American Express who has taken far too long to resolve this matter. Their merchants are more important to them than their customers. I have had it.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report that I have been trying to dispute through EXPERIAN that I have no connection to or any knowledge of. The collection is from XXXXXXXX XXXX  and its a balance of XXXX, again I have no knowledge and would like XXXX removed so I am able to rent an apartment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX such as signing up for services, contacting the company, making a payment, Since then, I have been awaiting a settlement check but have not received it as of XX/XX/XXXX I would like to ensure that my address on file is updated to avoid any further delays. 

I previously attempted to resolve this issue by, such as calling customer service, emailing, or submitting a request ], but the matter remains unresolved. 

I appreciate your prompt attention to this issue and look forward to receiving clarification on the next steps.
Product: Mortgage

Select Portfolio Servicing Inc just took over the mortgage on XXXX XXXX XXXX XXXX XXXX sent me a letter last year XXXX XXXX to start making payments to Select Portfolio Servicing Inc. I just received upon request a Satisfaction of Mortgage Dated XXXX XXXX Mortgagee hereby acknowledge full payment of the debt secured by the mortgage and direct the Clerk of the Circuit Court to cancel of record. This mortgage was paid off in full and I have not received my Mortgage Deed. Instead Im still making payments to someone Portfolio mortgage brokerage account. Its not closing on a mortgage I wanted to get a payoff because I knew this mortgage was paid off in full. They would never give me a answer concerning when I ask this mortgage should have been paid off no response from Select Portfolio Servicing Inc.
Product: Credit card or prepaid card

On XX/XX/18, I contacted Capital One Credit Card customer service to balance transfer {$25.00} from my bank account to increase my credit balance to hold my rental vehicle for an additional day. 

I was told my the customer service supervisor this feature was not available on my type of credit card which is quantified as " secured ''. I advised him this had been done before my simply by verifying funds available in my account. He stated this was done incorrectly, and was a Capital One decision not to offer this feature on " secured '' cards. 

I advised I reviewed my T & C 's online and do not see this called out and if this was indeed a specific policy that impacted credit decisions for my card I needed this in writing. I was told this policy was unavailable. Any policy that impacts credits or funds transfer availability should be available to all consumers to ensure proper decision on credit card companies. 

When told I wanted to file a formal complaint as there is clear inconsistency in service options, I was told the supervisor would submit a complaint to the " back office '' however they could not guarantee a return call. I told the supervisor this was unacceptable and I believed the information provided to be in violation of the FCRA. I asked to speak to the compliance department and was told Capital One did not have a compliance department. A large credit company under regulatory oversight without a compliance/audit department is clearly a falsehood. I do not appreciate being lied to by my credit provider.
Product: Credit reporting or other personal consumer reports

Inside the files with this email you will find my credit report with over 350 inquiries I am requesting for them to be removed as they are inaccurate and falsely reported theirs no way I requested for credit over 300 times Limitation on civil liability No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith U.S. 15 code 1681
Product: Payday loan, title loan, or personal loan

I originally took out this loan and another to pay for repair parts for my RV I live in. After investigating the illegal lending practices this lender engages in, I decided to refinance both loans through my local credit union. I call Amplify Funding for a 5 day payoff amount and they did not explain the ridiculous way they handle mailed payoff checks. When I called 3 business days prior to the first payment due date to tell them to not attempt to collect the payment by EFT which was within the guidelines of loan contract, I was then told that they only pick up their mail and process any payments by check on Fridays. I expressed my frustration and outrage at this obvious attempt to charge illegally charge me with late fees and accrued interest but to no avail. After several phone calls and emails, they finally located the check and processed it on the payment due date but not before they attempted to illegally charge my checking account with the first payment twice that same day. As attempting to call this a payday loan AFTER the loan was signed, I assume they did this to avoid the laws regarding standard lending practices. The XXXX rates this company with an " F '' rating due to 33 similar complaints have been made to them regarding Amply Funding 's scams against their customers.
Product: Checking or savings account

Capital One Bank, during XX/XX/2020, without any notice to me, froze the ability to make withdrawals from my accounts. As a result, three prescheduled ACH payments that were scheduled were rejected resulting in {$140.00} in fees from my credit card for returned check, and {$60.00} in late fees, for a total loss of {$200.00}. In addition, Capital One wrongfully converted my balances of {$670.00} ( savings ) and {$90.00} ( checking ). Therefore, the total losses are {$990.00} due to the wrongful actions of Capital One. 

I called Capital One on four occasions. Each time the representative states that they can not access the account and they transfer me to the " correct department. '' However, the " correct department '' never comes on the line. In each case, over 60 minutes passed without the " correct department '' answering. I note that the call center Capital One uses is not located in the United States and they are transmitting sensitive account data to XXXX XXXX and XXXX. 

I have maintained these accounts with Capital One Bank for over 10 years without any incident. 

Based on information, Capital One experienced a data breach and most likely caused whatever security issue to occur through its own negligence. I engaged in no activity that would warrant Capital One blocking my routine ACH payments that have been recurring for the last two years.