23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

While checking my personal credit report, I noticed XXXX Employers listed as XXXX and XXXX on EXPERIAN credit report. I have never been employed by these companies. I am requesting that EXPERIAN immediately remove these names from my credit file, listed as my previous Employers on my credit report immediately. I have attached a screenshot of the incorrect information listed on my credit report from XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to remove inaccurate and incomplete information from my credit report, despite my repeated attempts to dispute these errors through online, phone, and mail disputes. 

Experian has failed to conduct a proper investigation into my disputes, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, yet Experian continues to report erroneous information even after multiple dispute attempts. This is a systemic issue that affects many consumers, as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for conducting sham investigations of consumer disputes ( source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau ). 

This lawsuit highlights Experians failure to uphold its legal obligations, further supporting my claim that Experian has not fulfilled its duty to ensure credit report accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts That Must Be Immediately and Permanently Removed : 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
Product: Credit reporting or other personal consumer reports

I'm contacting you because I found information that is inaccurate on my credit report. I do not believe these accounts were paid late. In accordance to the Fair Credit Report Act this creditor has violated my rights.15 USC 1681 Sec 602 States I have right to privacy. 15 USC 1681 604 ( A ) Sec 2 States a consumer reporting agency can't furnish an account without my written instruction.

15 USC1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. Below are the details of the discrepancies I have identified : I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally.
Product: Mortgage

On XX/XX/XXXX, PHH took over our mortgage from Ocwen. Ocwen deducted {$800.00} on XX/XX/XXXX from our XXXX XXXX  checking account. Of that amount, Ocwen sent PHH {$650.00}. They are now saying we owe them {$140.00}, which they say is a " suspended balance. '' The full amount was deducted and Ocwen is responsible for sending PHH the remaining balance, which will bring us up to date through XX/XX/XXXX. 

Also, due to the " suspended balance '', we were told a payment made the date of this complaint covering the month of would be applied as a payment for XX/XX/XXXX, which should be paid in full. 

We spoke with XXXX, and received a confirmation number from PHH : XXXX Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX openeded XX/XX/year>XXXX  {$1800.00}. doesn't belong to me I spoke with a representative and informed him that this account was not my account. I never applied for this card. The account was removed from my credit ; however, it appeared back on my consumer file a short time later.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate removal of a hard inquiry made by Capital One on XX/XX/year>, from my XXXX and XXXX credit reports. I did not authorize Capital One to perform this hard pull, and as such, it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S.C. 1681b, a hard inquiry can only be made with the explicit authorization of the consumer. Since I did not provide such authorization, this inquiry is unauthorized and must be removed promptly.

Please confirm in writing that the hard inquiry has been removed from both of my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws
Product: Student loan

I have tried 4 separate times to pay my loan in a timely matter ahead of the due date and Aidvantage is not able to accept it. They have reversed my payment 4 times despite confirming my bank info. I have even signed up for auto pay and the company has failed to successfully withdraw the funds needed for the payment. My account is currently in the red and I'm receiving emails from the federal government stating I'm missing payments when I am not. It is 100 % an issue on their end that they are not able to correct. Aidvantage has a terribly inept customer service team and has not been able to rectify this matter for 2 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion and XXXX after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to XXXX and TransUnion last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$5400.00} will be investigated and updated on my credit file.
Product: Money transfer, virtual currency, or money service

Like many people, I have several payment methods stored within XXXX  XXXX XXXX feature. Essentially it stores your card details and enters them for you. 

I have used this feature almost since the day it came out and basically never had an issue. 

The other day I was attempting to buy more years on several of my website domains. I was successfully able to add 9 years to one domain and when I tried for another a minute later my bank flagged the transaction as suspicious and denying the charge. I cleared this up with the bank immediately and attempted to process the transaction again. This is when I noticed the money for that transaction had been removed from an alternative personal account that should not have been charged. XXXX  domains is refusing to refund the money or do anything and they are telling me that if I dispute the charges with my bank they will cancel my domain that I have owned for almost 2 decades. They stole money from an account I did not authorize and now they are refusing to help me in any way. They are threatening to basically shut down my entire company by cancelling my website domain if I attempt to recove these stolen monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID 19 pandemic, lenders like Santander Consumer USA were advertising how they would help their costumers during their financial hardships as a result of the pandemic. I called Santander to request relief under the COVID 19 relief act and was informed late payments would not have late fees and would not be reported to the credit bureaus during the pandemic and I trusted the person on the other line with the information I was being given. However I was charged late fees and the late payments did get reported to the credit Bureaus which subsequently dropped my credit scores. I was late XXXX, XXXX, and XX/XX/XXXX and XX/XX/XXXX. I called and messaged XXXX XXXX and was told they have the right to report accurate information to the credit bureaus however they are not answering to their promise to follow the covid relief act and not charge late fees or report during the pandemic.
Product: Credit card

Paypal is not issuing a refund they promised for a disputed transaction. Details of the email received from paypal are listed below.. 

PayPal An update on case XXXX The investigation into your appeal regarding the transaction below is complete and this case has been found in your favor. 

Next Steps We credited the full disputed transaction amount of {$900.00} USD to your PayPal account or to the payment method you used to complete this transaction. It XXXX take up to 5 days for this refund to be reflected on your PayPal account or bank. If you paid using a credit or debit card, the money will be refunded to your card. Depending on your card issuer, it can take up to 30 days for the refund to appear on your card statement. 

This case is now closed. We are truly sorry that you experienced a problem with this transaction, but hope you are happy with the outcome of this case.
Product: Debt collection

In XXXX XXXX I purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. They got it financed through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX at 22 % interest, 36 months paying XXXX a month. I have made XXXX payments so far. In XXXX I went on line to make a payment using my credit card because I had n't worked all summer and I knew my bank account would be short. I did n't want a late fee so I payed it on the due date XXXX/XXXX/XXXX, but the payment on line was XXXX. I submitted the pay then called to let them know I had paid it. I was told by XXXX that I would still have to pay a return check fee of {$25.00} because they had processed for the check to come out of my account and it would be returned as insufficient funds. She told me the XXXX was to cover the online fee of XXXX and the payment of XXXX ( my payment ). I said why the extra XXXX. XXXX. She said she could take that as part of the XXXX rcf, and she would attach the balance of XXXX to my next auto draft. I said fine. My XXXX Payment was XXXX. The XXXX was satisfied. Today I got a call saying I still owed {$8.00} + change, and they were calling to collect a debt. I explained that I did n't owe anything other than my regular payment. They told me I owed processing fees and the rest of the {$25.00} fee. They told me I payed by phone which is {$15.00} not on line like I actually did. Plus there was nothing on the website that indicated a fee to pay online. I paid this bill to avoid the {$99.00} payment when you are late. This happened to me once when I was a day or XXXX late a nd I thought it was excessive so I did n't want this to happen again. When I said I refused to pay it because I paid the fee, XXXX the supervisor told me she would wave the XXXX dollars but I would still have to pay {$3.00} with a {$15.00} processing fee because the penalty for them not collecting the money directly from my bank account totalled {$99.00}. Regardless the figures just did n't add up. I am disgust ed with them. They are charging and over charging because at the time of purchase my credit was not good. I feel I 'm being robbed and cheated. I want to pay for this product but not with such harsh penalties and high interest. I am retired but still working to keep up my responsibilities. These people are crooks. Total cost of product {$1500.00}. But I still have over a thousand to pay.
Product: Credit reporting or other personal consumer reports

During the XXXX data breach, I have more than XXXX hard inquiry on all three credit report, that is not linked to a account, and i didn't apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with Honda Financial Services. My XXXX and XXXX payments were reported as late. I called the creditor to inform them that I had made a payment on XX/XX/2019 and XX/XX/2019, but they insisted that my payment was made late. In my statement from Honda it even shows that the payment was received on those dates. I have until the XXXX of each month to make my payment before it is considered late, and since I made the payments before the XXXX they shouldn't be considered as late at all. I reached out to the creditor a few time to request an updated report but they said I would have to contact the credit bureau on my own. Even after contacting the bureaus it did not help. I don't know why they are reviewing it as being late when I did make it on time.
Product: Mortgage

Dear CFPB : I assisted my client in obtaining the attached modification. He does not speak XXXX. He signed the modification and it was received by the lender. He made payments on time pursuant to the agreement. The lender allegedly decided they needed to send a notary to his home to obtain a notarize copy. I am licensed notary. They allege they contacted the client by cell phone and left XXXX messages. My client always asked for XXXX representative when calling on his loan. They never called or emailed my office. They also never sent me a letter regarding the need for a notary. The package I received did not contain a notary. They are now trying to withdraw the modiication offer although the client is ontime with payments and has not defaulted. 

The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex ( including gender, gender identity, sexual orientation, and sexual harassment ), familial status, national origin or disability at any stage of the mortgage process, including : Approvals and denials. 

The lenders actions in this situation are in violation of the Fair Housing Act.
Product: Checking or savings account

For last XXXX  years have not changed my spending habits and my direct deposit from employer. I have been using XXXX  a little more between my daughter and my fiance account due to fiance account only has XXXX brick and mortar in XXXX  and we are in XXXX. So XXXX sends me money to take cash out. Nothing has changed in my spending habits. Don't know why account was closed and they will not give me a reason
Product: Credit reporting or other personal consumer reports

This collection company claims that I owe a fraudulent debt that they purchased from the original creditor. This debt was already charged off as a bad debt, yet I have not received a 1099c for the cancellation of the debt from the original creditor. I reported this debt as fraud and have attached the FTC identify theft affidavit and the police report as well. I am asking for the third time for this fraudulent debt to be removed immediately. The collection company never notified me of them taking over this fraudulent account. Otherwise, I would have provided them with proof of the fraud that has occurred with the handling of this account. I reported the fraud to the original creditor as well. Please remove this XXXX, fraudulent, unverified, defamatory, misleading, credit hurting account immediately. You are on notice and i expect that this account be removed deleted or whatever the XXXX needs to happen to get this XXXX off of my XXXX  credit report. You stupid XXXX XXXX need to stop playing with me before I take this matter to litigation for the repeated harassment that is being directed towards me because Im a minority. If I was some XXXX  XXXX this XXXX woulda been removed let alone sold to a unknown third party without acknowledgment or consent. Yall better stop with the shenanigans. Where the XXXX is the signed agreement with my signature. I bet there isnt one.
Product: Mortgage

I have submitted a complete financial documents to my lender Specialized loan servicing and they claim they do not accept XX/XX/XXXX/XX/XX/XXXX Tax transcripts that are directly sent from the IRS they claim there is no schedule C on XX/XX/XXXXtaxes however I think they do not know how to actually read the transcripts. If they look on page 4 of XX/XX/XXXX transcripts Schedule C is at the end which they claim it was not submitted
Product: Checking or savings account

In XX/XX/XXXX, Simple bank announced that they were closing and all checking accounts would transition to their parent company, BBVA on XX/XX/XXXX. In numerous email messages to customers, they indicated that the transition would be smooth and automatic. On XX/XX/XXXX, BBVA provided instructions for Simple customers to activate their log-ins for their new accounts. I followed the prompts and created a username and password. However, due to an error in BBVA 's system, I have not been able to use my credentials to log-in. I received various error messages and was eventually locked out of my account. This happened to many other Simple customers. Attempts to retrieve a lost password or set-up a new account have also been unsuccessful. As a result of the number of affected users, BBVA phone lines have experienced long wait times. After waiting on hold for more than 30 minutes, I spoke with a customer service representative on XX/XX/XXXX. The rep was unable to help me, simply stated that there had been a problem in transitioning the account and advised me to call back later. BBVA has not sent a single email or communication to Simple customers since the initial instructions provided on XX/XX/XXXX. They have communicated no resolution steps or advise to affect customers except to call their help desk ( who were unhelpful ). I have two Simple accounts that I can not access, containing around {$50000.00}. This is money that I was planning to use shortly for a down payment on a condo but now have no access to these funds.
Product: Debt collection

Transunion, XXXX, XXXX are purposely messing up my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX XXXX  on my credit file with Equifax. I received the results of the dispute on XX/XX/2022 showing that this public record has been deleted from my credit file. 

As of today, XX/XX/2022, this bankruptcy is still showing on my Equifax credit file. I contacted Equifax today and spoke to a rep about this issue. I provided her with the dispute number and she confirmed the result of the investigation that the item is to be deleted. 

She investigated further as to why this item has not been removed from my Equifax credit file and stated it was due to an internal error with their system not updating my credit file and proceeded to tell me they will have to open the dispute up again and begin the process all over again. I will have to wait an additional 30 days for this to be updated and removed from my credit file. 

I have attached the document showing the results of this dispute and would like my Equifax report to properly report this. This is unacceptable and violates the FCRA. If the results of an investigation result in a deletion, this must be immediately updated on my credit file. Equifax has failed to do so.
Product: Debt collection

First Credit Services reported a collection debt on my XXXX XXXX credit report on XXXX with original creditor of XXXX XXXX and recently updated on XXXX. However, First Credit Services has failed to notify of this account and effort to collect a debt. I was unable to dispute this directly with First Credit Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX