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

Complaint Title : Experians Ongoing FCRA Violations : Inaccurate Reporting, Sham Investigations, and Failure to Correct Disputed Information Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date : XX/XX/year> Company Information : Company Name : Experian Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Details of the Complaint : I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite submitting numerous disputes, Experian continues to report inaccurate, unverifiable, and outdated information on my credit report. Additionally, XXXX dispute process appears to be a sham investigation, mirroring the issues highlighted in the CFPBs current lawsuit against the company. 

XXXX XXXX : XXXX. Inaccurate Personal Information : Experian refuses to remove outdated and incorrect names, addresses, and phone numbers despite proper documentation. 

XXXX. XXXX Accounts : Experian continues reporting accounts without providing proper verification. I requested validation details, including : Proof of ownership Chain of title Forward flow agreements 1099-C forms ( if applicable ) SEC filings to confirm non-securitization of debts Original signed contracts ( wet signatures ) Date of first delinquency and proof of license to collect in the State of Illinois XXXX XXXX Public Record Reporting Errors : Experian continues to report bankruptcy records obtained from third-party vendors like XXXX, XXXX my evidence that PACER and the courts do NOT furnish data directly to credit bureaus. XXXX and XXXX removed these records, but Experian refuses to do the same without valid justification. 

XXXX. Failure to XXXX Reasonable Investigations : Experian failed to conduct manual reviews of disputed items as required by the FCRA. 
They provided vague, generic responses stating the information was verified as accurate without explaining how the information was verified. 

XXXX. Violations of XXXX Rights : XXXX actions violate : 15 U.S.C. 1681i ( FCRA ) Failure to conduct reasonable investigations.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

FDCPA Violations Failure to validate debts where applicable. 

Certification : I certify that the information provided is true and accurate to the best of my knowledge. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I recieve Illinois Child Support payments on a pre-paid debit card through the Way2Go card or GoProgram. I normally don't have any issues with this, but my card expired in XXXX. I called the company to find out where the replacment card is and was told it should be at my house by Wednesday XXXX it was Monday XX/XX/2020 when i spoke with them, it is now Saturday XX/XX/2020 ) and still no card. I have tried to call the number on the back of my card again ( XXXX ) and i can't seen to get through to a person again. I have been on hold every day, multiple times a day for over an hour at a time. I have a son who has XXXX and it is time to get his refills on XXXX medication so I really need access to the money in the account. 

Thank You.
Product: Debt collection

Goldman Sachs has called me 5-6 times in relation to an alleged debt I owe after a credit transaction I made.
Product: Bank account or service

I was a customer of navy federal during the period that they have admitted to wrong doing. My paychecks where with held multiple times
Product: Debt collection

I'M receiving email from an repersentative of XXXX XXXX XXXX XXXX XXXX ( current creditor of original XXXX XXXX XXXX account ) this email is from an repersentative of true accord to collect on a debt of an huge amont which was never borrow such amont.
Product: Checking or savings account

I opened a business checking account with Chase to be able to manage my freelance money since I was starting a new project with a non-profit organization. 
I deposited a check for $ XXXX on XXXX XXXX at a Chase branch. I was told it would take up to a week for the check to clear. 

I tried to log into my Chase account via the app a few days later to access my account number to set up transferring services ( XXXX XXXX ), and it said it was locked. I called and finally was told that my account would be locked due to suspicious check. They asked for a phone number to verify the check writer. I shared multiple phone numbers of the non-profit organization but none of them were 'verifiable '. I am at a loss as to what to do because the non profit does not have a business phone number and I've tried the phone numbers of those involved. I am also still unable to access my online account and any information such as the account number. 

I'm not sure why they need to verify the check writer 's phone number- I told them they could call and talk to the organization or the organizations bank- but they aren't willing to do that. My money is now being held and I need to pay my contractors and supplies for the exhibit.
Product: Checking or savings account

On XXXX XXXX I Attempt to close account and receive balance to be mailed by check. I was unable to answer security questions correct and representative ended the call.
Product: Credit reporting or other personal consumer reports

There are multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. The creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to PAID AS AGREED/ Never LATE on my consumer report. Late payments reporting without proof in the form of a bank statement is hearsay and needs to be removed. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This will prove when I paid on time. Anything other than documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this prove, theres no legal VALIDATION. In XXXX XXXX XXXX XXXX, XXXX opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It must come from the data furnisher ; it has to come from the credit bureaus. It can not come from me. 
I did not pay late for the month of XX/XX/XXXX for my XXXX ACCOUNT # ( XXXX ) Delete this from my credit report and update paid on time never late removing the data from the payment history as well unless you can prove with a bank statement coming directly from Kickoff. Transunion if you fail to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney XXXX office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you XXXX be liable for your willful non- Compliance. It is my understanding that you will recheck these items with the creditor who has posted them and update my account.
Product: Debt collection

The debt is reporting from a company called MoneyLion INC XXXX XXXX XXXX XXXX, NY XXXX for the amount of XXXX This account was opened XX/XX/2021 I did not make this debt, I have requested a validation of debt with no response. This is not my debt as I have told MoneyLion INC to prove me with documentation of its validity. on my credit reports it does not show a account number. Please investigate and remove from all credit reporting information bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Student loan

XXXX XXXX I requested my IDR to be recalculated. My husband and I are both on PSLF and his recalculation brought his payments to nearly XXXX. We file our taxes jointly and nothing has changed since our last tax return. My IDR came back denied because my payments would be higher than they are now. I called MOHELA and they put me on an hour wait after I had requested the callback option. When talking on the phone the representative did the calculations and said my payment would be {$44.00} less than it is now. So she filed a new IDR for me so that could process through the system. She told me my payments would be 25 years instead of 30- which is inaccurate on PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about inaccurate and outdated information on my credit report on two separate occasions.On XX/XX/2022, I spoke with an agent from Transunion named XXXX. I informed XXXX that Transunion has failed to remove inaccurate and outdated information and that by law they are suppose to remove any information older than 7 years. XXXX got very loud and told me that all the company could do was file a dispute and the information would stay on my credit report.
Product: Mortgage

Attorney XXXX, XXXX, XXXX XXXX representing XXXX XXXX XXXX/BSI Financial Services has file a Servicemen Civil Relief Act Complaint to proceed to the foreclosure sale of my home located at XXXX XXXX XXXX, XXXX, MA XXXX. The entity does not have the right to foreclose on my property. In a letter sent to the company in XXXX 2015 at BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX I requested the company to provide evidence that the company has a lawful and rightful claim against my home. No answers were provided. The company 's action violates consumer finance protection laws that the Bureau was created for.
Product: Credit reporting or other personal consumer reports

I have been diligently trying to correct inaccuracies on my credit report maintained by TransUnion. My first attempt to rectify the issue was on XX/XX/XXXX, when I sent a certified letter detailing the discrepancies in the data, specifically regarding my date of birth and addresses. Despite the thoroughness of my communication, there was no resolution. Undeterred, I sent another certified letter on XX/XX/XXXX, reiterating the errors and requesting an update. The repeated attempts reflect my commitment to ensuring that my credit report accurately represents my financial history.
Product: Checking or savings account

Chime closed my account without any explanation or release of my funds, they won't even tell me what my balance was at the time it was closed.
Product: Debt collection

Debt should have never gone to a collection agency because there was no debt. XXXX did not know anything about this until I was getting a loan at the bank I have excellent credit. When I saw this collection from coast to coast for XXXX I investigated and found out alarm services turned in a collection saying I owed them XXXX for a digital monitor the equipment. I gave proof to them that both the monators were sent back and signed for by them on XXXX/XXXX/2014 with XXXX. serial numbers XXXX and XXXX Then the collection sent me an invoice trying to collect for it going to the collection agency which it should not have gone in the first place of XXXX saying this is a settlement offer. I told them that I was not going to pay for something that should have not gone to them in the XXXX place. Then they send me another invoice from coast to coast for alarm monitoring services for the amount XXXX that they are saying I owned them again. In the XXXX place I never got notice of oweing them anything in 2014 then they said it was for equiment they did n't get which I proofed to them they got which XXXX of there equiment was in XXXX package, how did they get XXXX without out the other, then they said it was canceling without notice which I gave them notice. This company has messed up my credit with there lies. I have all the paper work with this if you need it I can mail it to you I do n't know how to put it on here. I sent this to the XXXX and made a complaint to them.
Product: Credit reporting or other personal consumer reports

There are inquiries on my Experian credit report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information for all XXXX bureaus. I know Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. as well as conduct a proper investigation. I have higlighted the information that is wrong for XXXX XXXX XXXX
Product: Mortgage

Ive asked multiple times to not be contacted by Better Mortgage. The send multiple emails with no opt out, text messages when not opting in and do not stop contacting after multiple requests. Annoying but also a UDAPP violation.
Product: Mortgage

I, XXXX XXXX had only XXXX mortgage that eventually ended up with Ocwen Loan Servicing. The original loan was for {$110000.00}. The XXXX late payment of 30+ days took place in 2006. Ocwen has posted the same loan XXXX, and has purposely cut off several years of payment history. Even though the loan has been paid in full, the 7-year rule applies pertaining to the posting of credit histories. All Ocwen loans must be deleted permanently, not just the duplicated items. Ocwen Loan Servicing is now being forced to sell off their servicing assets by court order that started with Federal Trade Commission sanctions. My credit is being destroyed by Ocwen Loan Servicing illegally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status XXXX Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Date of Birth : XX/XX/1988 Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days.

My goal is to exercise my legal rights and protect my personal financial information.

Thank you for your prompt attention to these matters.

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX, 2023 XXXX - XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX, 2023 XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  - XX/XX/2023 2023
Product: Money transfer, virtual currency, or money service

I called a Chime Bank to update my phone number to my account. I was scammed and bamboozled by the Representative, the person stole over {$800.00} from my Cheaking and Savings accounts. I did not authorize this transactions and now Chime Bank is refusing to send my money back.
Product: Credit card or prepaid card

I have fallen behind on my one credit card bill due to my boyfriend passing away, time off work, getting a new job, and the excessive late fees for every payment. The bill collectors from Capital One call me MULTIPLE times a day, and usually within 10 minutes or less. They start at XXXX XXXX, and have been interrupting my life. Once at an appointment on XX/XX/XXXX, they called at least 5 times within an hour, interrupting my doctor. I've worked in a call center before and know numbers loop around, but every 10 minutes, give or take, is extreme harassment. Not to mention, they never leave a voice mail or say who they are.
Product: Debt collection

Hi there not only am I a victim of identity theft this company refuses to validate this debt in a metro compliance way. am I saying that this is to identty theft no Im not Im trying to get them to understand that I have no knowledge of this debt. The incorrect names etc the threat to be reported frivilous when all im trying to do is clarify where the accounts came from.
Product: Mortgage

I 've been asking Bank of America for legal documents on my loan for literally years now, probably 5 years, but very interesting that when they turned over my loan for servicing that all of the sudden there was documentation created. They created an Assignment of Mortgage from XXXX via the XXXX system to Bank of America and then a month later from the XXXX system for XXXX to XXXX ( XXXX ). Now Bank of America has been stating for years that XXXX is the owner so what is all of this? Bank of America 'seized ' ownership for a month even though been collecting from me for years and then assigned it to this XXXX ...? This is insanity and I do n't even have to check to know that not one bit of this was made legal by having it recorded and whose signatures are these ... Why is Bank of America creating these documents and not XXXX??? It 's interesting because one states prepared by Bank of America and the other by XXXX XXXX but the same phone number so also Bank of America? Is this done in Bank of America 's fraudulent document creation lab like the other document XXXX sent which was a complete forgery ( that 's being dealt with separately ). 

This is all just more Bank of America trying to deceive and cover their corrupt actions or if not, there needs to be some serious explanations as to what this is all about!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry - Information below : Credit Plus Inquiry from XX/XX/XXXX - XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

Ive reached out to the company to close this account or disconnect my bank, they claiming I owe an outstanding balance. There is no where on the website or app to pay this balance and they are refusing to close the account or allow me to disconnect my bank account essentially forcing me to continue to pay them. Considering the CFPB has already filed suit for the exact practices and it is considered deceptive lending this is unacceptable. 

If not I will seek out a lawyer and proceed with arbitration.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report there is personal information thats inaccurate I will list all in accuracies then list correct personal information INACCURATE PERSONAL INFORMATION : Name : XXXX XXXX XXXX ADDRESSES:XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCURATE PERSONAL INFORMATION : Name : XXXX XXXX XXXX EMPLOYMENT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX THIS CORRECTION SHOULD BE HONORED BY LAW 15 U.S. Code 1679c - Disclosures U.S. Code Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly .
Product: Student loan

Navient was attempting to force me to get a Forbearance instead of a Deferment based on the loans and the information contained in my loans as far as amounts does not look accurate. Also I was mislead into thinking I need to take out loans versus using other methods to fund my education.
Product: Checking or savings account

USAA has not been capable to handle a simple investigation. I talked to 3 USAA representatives XXXX XXXX and XXXX XX/XX/23 from their resolutions team, who assured me USAA made a mistake and not ALL information was considered when making a decision to take back {$200.00} credit from my account. Their derision to take back the credit was bogus and unfounded, claiming there were no pin failures. When 3 of their USAA reps had complete access to see not only there were MULTIPLE pin failures but different baks were used to withdrawal money. THOSe reps also concluded that XXXX denial WAS NOT accurate or agreed with the assessment. 

Most importantly on XX/XX/23 a new resolution was issue making me liable stating " to new information was provided '' when all the notes and evidence IS WITH THEM from their own usaa team members who submitted the necessary and available information, USAA is either playing or has untrained personal working these cases. 
I would like USAA to correct their mistake immediately, issue a refund and investing why they are failing their customers.
Product: Credit card

I applied for a credit line increase through Wells Fargo so that I can increase my credit score. I have never been late with any credit card payments. Wells Fargo rejected my inquiry to obtain a credit line increase. My XXXX XXXX score is XXXX. I requested a supervisor. A Wells Fargo supervisor named XXXX ( Employee ID # XXXX ) stated that there was very little activity on my XXXX card. I replied that Wells Fargo was doing an injustice for excellent customers. So, now I have a hard credit pull from my report and no credit line increase.