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

This complaint is based on documented findings from the Consumer Financial Protection Bureau ( CFPB ) investigation into Experian Information Solutions, as outlined in the case Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., Case No. XXXX. 

Experian has violated its obligations under the Fair Credit Reporting Act ( FCRA ) by failing to update or remove inaccurate information on my credit report, specifically regarding charge-offs, alleged late payments, and collection accounts from the following creditors : 1. Charge-Offs and Alleged Late Payments : - XXXX XXXXXXXX : Failure to meet reasonable reinvestigation requirements under 15 U.S.C. 1681i ( a ). 
- XXXX XXXX : Ongoing reporting of disputed charge-off status and late payments without proper verification. 
- XXXXXXXX XXXX XXXXXXXX : Inadequate reinvestigation or correction of disputed charge-offs and alleged late payments. 
- XXXX XXXXXXXX : Unresolved disputes regarding charge-offs and late payment reporting in violation of Experians reinvestigation duties under 15 U.S.C. 1681i. 

2. Accounts with Alleged Late Payments : - XXXX XXXX XXXX : Continued late payment reporting despite disputes that warrant correction per FCRA 15 U.S.C. 1681i ( a ) ( 5 ). 

3. Collection Accounts : - XXXX XXXX XXXX  : Two collection accounts remain on my credit report despite disputes and lack of verifiable evidence, violating 15 U.S.C. 1681e ( b ). 

Violations of FCRA & CFPB Findings : Experians practices, as described in the attached CFPB report, highlight systemic issues including : - Failure to Conduct Reasonable Reinvestigations : Experian has demonstrated a pattern of relying excessively on furnishers ' responses despite receiving contradictory evidence, contrary to 15 U.S.C. 1681i ( a ). 
- Failure to Ensure Maximum Accuracy : Experians reinsertion of previously deleted or corrected tradelines violates 15 U.S.C. 1681i ( a ) ( 5 ) and 1681e ( b ). 
- Failure to Notify Consumers Properly : Experian issued unclear and inconsistent dispute resolution letters in violation of 15 U.S.C. 1681i ( a ) ( 6 ). 

These documented failures mirror my experiences, where Experian has ignored key dispute information, resulting in inaccurate reporting. 

Impact on Credit : These reporting issues have caused credit denials, unfavorable loan terms, and financial harm, contradicting Experian 's legal obligations.
Product: Debt collection

They are unavailable. I emailed them twice at their online email address and both emails got bounced back to me. I was hold with them for an hour and 50 minutes between XXXX XXXX and XXXX : XXXX on XXXX/XXXX/2016. I have already paid the bill in full that they are tyring to collect and I was just trying to let them know that.
Product: Vehicle loan or lease

Bought vehicle from person that had a loan at Truist Bank. My bank paid off his loan, but Truist will not send my bank the title. Myself and members of my bank have reached out to Truist several times, they will not respond and refuse to give my bank the title. They will only give my bank a letter saying that the loan was paid and they no longer have lien on the vehicle. It's been six months and I still can not get my vehicle registered in my state, with no registration, I can't use it. 
The title is currently registered in another state, we reached out to that state and they said truist bank is the only one that can release the title, the letter they gave us is no good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Vehicle loan or lease

I leased a vehicle from Mercedes Financial between the dates of XX/XX/XXXX and returned it as scheduled on XX/XX/XXXX. 
During the course of this lease I made every payment on time and in full serviced the vehicle at dealer as recommended and stored it in a garage when not in use for its safety. 
I asked for extra mileage words the end of lease from XXXX XXXX and associate at Mercedes Benz in XXXX XXXX. He assured me that it was not a problem to relax and enjoy the car that he would take care of it. 
I returned the vehicle in " like new '' condition in fact the sales representatives present said it was the cleanest return they had ever seen. 
They became agitated with me when I told them I did not want another Mercedes and I just wanted to return this one and leave. 
They told me I owed {$1600.00} for overages of mileage I offered to pay but I was told I had to wait for vehicle to be " processed '' this prevented me from being able to purchase another vehicle because I couldn't responsibly budget my next down payment until I had satisfied this outstanding lease fiasco. 
I visited the dealership seven different times and called at least three dozen times pleading with them to " process '' me car so I could move on. 
I finally received a letter on XX/XX/XXXX one whole month after returning the car " and it had been used and moved to new owners by dealership '' The letter states that I owe {$3000.00} this amount is double what I was told by manager of dealership when I dropped it off. 
So at this point I told them I'd like to purchase the vehicle and sell it on my own. They became very angry and said that the vehicle was no longer their it had been sold. I asked how it had been sold while it was supposedly being " processed '' and they just ignored me and left me sitting alone for over an hour I the lobby until I finally became frustrated and left ... 

Nightmare ordeal especially since I have perfect credit and fulfilled my obligations without fault. I believe they were retaliating against me for wanting to buy a different brand vehicle ...
Product: Mortgage

My name is XXXX XXXX, I am issuing a complaint against Cross Country Mortgage. On XXXX XXXX, I received an approval letter for a Loan amount of {$140000.00} with a purchase amount of up to {$150000.00}, with a Down Payment of 3.5 %. I told XXXX XXXX, the loan officer I was working with that I did not have the funds to pay the down payment up front. He told me that since I am a first-time home buyer I am eligible for the {$15000.00} NC down payment assistance. I was told the only two things I needed to do were to pay down my credit card from {$1900.00} to {$1300.00} to raise my credit score to XXXX, and to pay {$35.00} to take the online course to become eligible for down payment assistance ( which would be refunded at closing ). I not only paid my credit card down, but I also ended up paying {$99.00}, instead of the {$35.00} I was told, for the course to become eligible for the {$15000.00} down payment assistance. Once both were completed and XXXX XXXX told me that I was approved for the down payment assistance, I paid the due diligence of {$200.00} on XXXX to the sellers. I then proceeded to pay for all of the following : Termite and Pest Inspection- {$65.00} on XXXX, Appraisal ( the amount I was told was {$550.00}, originally ) - {$600.00} on XXXX, House Inspection ( paid for original inspection and re-inspection ) - {$370.00} on XX/XX/XXXX and reinspection- {$200.00} on XX/XX/XXXX, Water Test ( paid 3 times ) - {$290.00} on XXXX, and XX/XX/XXXX, and Plumbing inspection- {$470.00} on XX/XX/XXXX. The total for everything we paid is {$2900.00}. 
All of the re-inspections were due to the sellers having issues turning on the water for the inspections, so that is not at fault of the loaners. The fault came in, on XX/XX/XXXX, the day before our scheduled closing date, XXXX XXXX called me to inform me that due to his mistake of not double-checking to make sure the house was eligible for the down payment assistance, I no longer had any funds to go towards the down payment. He told me that essentially, he did not make sure that NC would provide down payment assistance for existing modular homes. I would have to come up with {$7500.00} in less than 24 hrs. I reminded him that I told him before we started that I did not have that much money. He told me he would continue to work to get me down payment assistance and that he could look into a couple of options that could work to provide the down payment assistance. On XX/XX/XXXX, the date of our closing, XXXX XXXX called to inform me that there is nothing else he could do and that I would have to look for another house. So after spending {$2900.00}, because my lender ensured me that I was guaranteed the down payment assistance, loan for the house, and closing costs, my husband and I have spent all of our savings and our paycheck, just to be told the day of our closing date that we need to look for another house.
Product: Credit card or prepaid card

Im XXXX I made a payment of {$120.00}, about 5 days later citi bank charged me again the same amount. I called citi bank and XXXXne of your employees apologized and refunded me back one of the payments. The next month I was charged a {$25.00} fee for a return check. I called and they said they would return the the fee and apologize because you were the ones that refunded me. I then learned next month that you turned my autopay off because you accused me of a return check even though it was your company that refunded that payment because you doubled charged me. I also found out that you never took the fee off. So the next day after my payment was due ( when I found out ) I called and the lady apologized again took off the return fee and said she would take off the late fee. I Immediately Told her to turn my auto pay back on and to run this months payment. Come to find out she only ran half of what was due for that month and she never reversed the late fee. NOW I found out that you closed my account because of the whole return payment may I remind you again that your employee refunded me one of the 2 payments you took out of my account because you double charged my account and she apologized saying it was your fault! So because of your mistakes you negatively impacted MY credit score and closed my account! I called today was told they would reopen my  account but then when transferred I was told that they would not open my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute to Experian on XX/XX/2023 with a dispute statement, FTC Identity theft affidavit with a wet signature, proof of identity ( drivers license, social security card, W2 ), a copy of my credit report from each bureau and a letter also sent to XXXX - all sent via XXXX XXXX Mail with electronic return receipt tracking number XXXX. This packet of information was received by Experian on XX/XX/2023 signed by Experian employee XXXX XXXX. On XX/XX/2023, I received an email from Experian claiming the dispute " was not from me '' and refused to complete the investigation. Experian is using this falsified disclaimer as a way to not be held responsible for fulfilling the FCRA requirements of blocking the debt related to the identity theft from my credit report within 4 business days as they are out of time by XX/XX/2023 and would be in violation of FCRA by not blocking the debt within the federally-allotted timeframe. I, in fact, did send the dispute packet, which I have also attached. Experian should be held responsible for their refusal to process the dispute I sent in and their refusal. Nobody else would have been able to send a dispute letter with a wet signature, and FTC affidavit with a wet signature, and my personal identity documents?
Product: Credit card

This is a formal complaint against Capital One Bank for suspected securities fraud. On XX/XX/XXXX th, I sent a negotiable instrument as a registered security in certificated form, to be applied to my credit card account ending in XXXX. It was sent in enough time to be applied for on time remittance for the account. Capital One has been purposefully ignoring my correspondence, reported my account late. Then sent a letter XX/XX/XXXX ( my payment is due the XXXX of every month ) stating they decided to close my account due to fraudulent activity on my account, which there has not been. Furthermore, they rejected my registered security, and never sent it back. I would like for the CFPB to investigate this matter, as it is unlawful to reject a registered security, and to either keep, manipulate, or destroy one. It is also unlawful for them to sell that security on the secondary market which I believe they have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21, Chase emailed me about a new card which I did not request. 
Chase closed the card and told me to call XXXX to request a fraud alert. 
I talked to XXXX and XXXX and I asked both to REMOVE THE HARD INQUIRY from Chase on XX/XX/21. 

As of XX/XX/21, XXXX did not remove it and XXXX is refusing to give me a credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Sham XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Amsher Collections XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX Re : Notice of Dispute & Civil Liability under 15 U.S.C. 1681o - Negligent Noncompliance To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my consumer credit report issued by your organization. The specific account ( s ) in question is/are : XXXX XXXX XXXX I have previously notified you of these inaccuracies and provided sufficient documentation evidencing the errors, yet you have failed to perform a reasonable investigation as required by law, resulting in the continued reporting of inaccurate, misleading, or incomplete information. 



Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), you are liable for civil damages for negligent noncompliance with the FCRAs requirements. Your failure to correct and remove this inaccurate information after proper notice constitutes negligent noncompliance. Due to this negligence, I have suffered measurable damages, including but not limited to [ list any damages like credit denials, higher interest rates, emotional distress, etc. ].

I hereby demand that you : 1. Immediately conduct a proper and reasonable reinvestigation of the disputed account ( s ).

2. Delete or correct the inaccurate information as required by the FCRA.

3. Provide me with an updated copy of my credit report reflecting these changes.

4. Cease any further reporting of inaccurate or unverifiable information regarding this/these account ( s ).

Please be advised that failure to comply with these obligations may subject you to legal action, including seeking statutory and actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1681o. 



I expect your response within 30 days, as mandated by the FCRA. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from EXPERIAN associated with XXXX XXXX XXXX, account number XXXX. T

his account does not belong to me and I am not aware of its source. I formally disputed this account with the credit bureau, requesting verification and deletion based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). Despite my formal dispute and request for a thorough investigation, [ Name of Credit Bureau ] has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus must conduct a reasonable inquiry and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been
underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
This inaccurate information is damaging my credit rating and affecting my financial situation. I believe the credit bureau 's failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am writing this statement to dispute certain information you have reported incorrectly on my credit report. Please block or please delete incorrect information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 


XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of XXXX XXXX for what they are stating is an old medical account. 

I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having a medical debt for this amount. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Debt collection

I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a certified letter to United Revenue Corp. requesting all data pertaining to my " alleged '' account.This was the first communication with them, the have not spoken to me or sent me any other communication prior to me sending them a debt validation letter ( which I did in response to them filling on my credit ).

They received it on XX/XX/2019. The Company responded with a letter which was dated XX/XX/XXXX, It arrived on XX/XX/XXXX.

Contained in this letter is no other information validating me other than my name, simply printing my name of a letter is not a debt validation.

Failing to provide required written notices, time frames, validations, among a litany of other violations are the trade mark of this organization. Below are the codes they have violated in my state. Cease now and expunge my record from your system or legal recourse will follow.

Sec. 392.202. ( b ) ( 1 ) ( 2 ), ( c ) ( 1 ) ( 2 ), ( d ) ( 1 ) ( 2 ) ( 3 ) ( Texas Finance Code ) Sec. 392.304. ( 4 ) ( 5 ) ( 8 ) Sec. 392.307. ( e ) ( 1 ), ( f ) Sec. 20.06. ( f ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( Business commerce code texas ).
Product: Credit reporting or other personal consumer reports

In regards of numerous attempts and providing extensive documentation to have this inaccuracy corrected, this late open account continue to appear on my credit report as delayed payment, severely impacting my financial standing and credibility. The persistence of these errors is both frustrating and damaging. Honestly i've been paying on time. It undermines my efforts to maintain a clean credit history and hampers my ability to access credit and secure favorable financial terms. This situation has caused me significant stress and inconvenience. I demand immediate action to rectify this matter. I expect a thorough investigation into why this late open account continue to persist on my credit report as late despite numerous requests for their correction. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution.The account should be corrected as soon as possible : XXXX XXXX XXXXXXXX Balance Owed : {$260000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Ally Financial about a late payment that was applied to my credit report as a negative mark .Someone said they will check into it .In XX/XX/XXXX there was a tropical storm by the name of Harvey that past through XXXX Texas and destroyed XXXX and surrounding areas, I was a victim of the storm so I contacted Ally to get my payments deferred. They agreed to defer XX/XX/XXXX and XX/XX/XXXX which was a great help for me. I called back on XX/XX/XXXX for more deferment, I was told no problem XXXX XXXX we'll take of it. XX/XX/XXXX came around I got a call saying my payment was is late, thinking they're referring to XX/XX/XXXX 's payment which is due XX/XX/XXXX. they were referring to XX/XX/XXXX payment, I was under the impression that my payments were deferred for XX/XX/XXXX, at that time I was told that XX/XX/XXXX wasn't deferred which made XX/XX/XXXX payment late.
Product: Checking or savings account

Dear CFPB, I am writing to file a complaint against Relay Financial XXXX XXXX ( RelayFi ), a financial services company that provides bank accounts for businesses. XXXX XXXX ( Member FDIC ) is a bank partner of RelayFi. I have contacted XXXX customer support as well, but they too have not responded to me yet. 

On XX/XX/2023, RelayFi blocked my account and froze my {$9000.00} USD balance without any prior notice or explanation. I received an email from RelayFi stating that my account was blocked due to " concerns around documentation for the business, the nature of the business, or transactions in Relay that have raised flags with our compliance team. '' The email also stated that RelayFi had mailed a check to me and that I should receive it within 60 days. However, this is unacceptable to me, as I need access to my money now. That was all the money I had to run my business and make various business payments. 

I have tried to contact RelayFi customer support multiple times, but I have not received a response. I am particularly concerned because I live in XXXX and my company is registered in Delaware, USA. This means that it is impossible for me to redeem a US check issued under my company name. 

In Section 3.15 of the RelayFi Deposit Agreement ( https : //relayfi.com/deposit ), the company states that it will return any remaining funds in the Account by ACH transfer to another bank account or by paper check. I want to receive my remaining funds via ACH transfer, as I can not cash out the US check. 

I am requesting that the CFPB investigate this matter and help me to get my money back from RelayFi as soon as possible. 

Thank you for your time and attention to this matter.