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

To Whom It May Concern, I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims. Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts and inquiries in question are as follows : Inquires : XXXX. ) XXXX XXXX, XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Collections : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$810.00} XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX ( XXXX ) XXXX Amount : {$2400.00} I have submitted disputes for these accounts and inquiries and proved the information is inaccurate or unverifiable ( started in XXXX of XXXX ). I have mailed letters and disputed online. However, Experian has failed to verify the information properly. 


This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to get approval for credit, loans, housing, etc.
Product: Checking or savings account

On XX/XX/2019 at approximately XXXX I called Navy Federal Credit Union to place a security word for all my accounts at NFCU , also had a note added to accounts that stated " No deposits are to be made unless account member is physically present and ID is used to verify, also a phone call to verify. 
On XX/XX/2019 a deposit was made into a mortgage account that is solely in my name, I was not present nor no verification was attempted by NFCU as I had previous requested. 
On XX/XX/2019 at approximately XXXX I called NFCU and talked to a represenitive from accounts ( did not get name nor employee ID number ) I explained what had happened and why my request was not being honored by NFCU , employee could not answer my inquiry and transferred my call to collections dept. I then spoke to a XXXX employee number XXXX and again explained what had happen and why my request was not being honored. XXXX stated that " NFCU does not refuse any deposits into accounts ''. I then asked her " even if the person who is making the deposit name is not on the account? ", she stated " yes ''. 
I asked her to check with the security dept. to see if anything could be done or what are the rules that apparently allow this to happen. XXXX put me on a brief hold and then returned and stated " NFCU does not refuse any deposits into accounts ''. I said thank you and hung up. 
This is my complaint, it is very freighting practice that anyone with an account number has this kind of access no matter what the reasoning is and is able to deposit without member being aware of what activity is happening to their accounts. I had placed this security measure ( for my own reason ) on my accounts and my request was not honored, this needs to be resolved and if can't, this complaint needs to move forward. thank you for your time.
Product: Mortgage

I was contacted by XXXX XXXX ( XXXX XXXX ) at QuickenLoans ( who got my name from XXXX ) as I was interested in finding out more about mortgage rates. During our conversation it was never made clear to me that he would be checking my credit and providing a pre-approval letter. I never gave my written or verbal consent to have my credit checked.
Product: Credit card or prepaid card

Someone tried to open a PayPal Credit account and this letter ( attached ) was sent to me saying it was not approved due to unable to verify my identity. Used an old address in which the letter eventually got forwarded to me at my new address.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was sent a spam email by Netspend telling me I had signed up for their card on XX/XX/2021. I did not sign up for this service and was unable to cancel online. I have not and will not activate this card.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit report act ( FCRA ), 15 U.S.C 1681i, which mandates as a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provide consumer with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX  and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus equifax XXXX XXXX you name it i hired XXXX XXXX i called XXXX XXXX a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way
Product: Debt collection

Credit Management LP has listed this account in my credit file as a collection account for XXXX XXXX in the amount of {$310.00} in XX/XX/2019. I disputed this account with XXXX and it was removed in XX/XX/2019 but was placed back on my file in XX/XX/2019. This company has never sent a collection notice, or a right to dispute notice. I have no knowledge of this account and where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 

In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open a credit account at Synchrony Bank, without my knowledge and permission. I did not request or authorize this account. ( Please see letter from the bank, attached. ) I immediately contacted Synchrony Bank and asked them to take all appropriate steps to remove information about this account from my credit files. Also, I requested removing all negative reporting associated with my name. 

Since then, absolutely no action has been taken on the part of Synchrony Bank to remedy this problem. I have contacted Synchrony Bank by phone monthly since XXXX to ask for updates about the matter. Every time the person answering my call gives me an unacceptable excuse as to why this matter has not been resolved. 

During my very last call I insisted that they give me the postal address for their Fraud and Identity Theft department. As soon as I made this request, the employee hung up the phone. 

Back in XXXX, a number of other fraudulent attempts to open bank or credit accounts in my name. All those issues were resolved by the institutions in question within just a few weeks. 

The fact that the last representative from Synchrony Bank hung up on me, gives me the reason to believe that the bank itself may be involved in illegal activities. They have certainly violated laws and regulations imposed by the federal government in terms of resolving matters of this sort appropriately and in a timely manner.
Product: Vehicle loan or lease

I had a loan with Hyundai Motor Finance for a XXXX Hyundai XXXX. I paid it off on XX/XX/XXXX. I did not realize I had a balance because they stopped sending me statements when the initial term ran out. They told me they would submit the lien release within five days. I have contacted them multiple times and they told me they can not find the title because the vehicle is old. I asked for a lien release to be done so that will trigger the DMV to send me the title and I am still being given the runaround. I called again last Wednesday, XX/XX/XXXX, and I was told that a manager would call me back. No-one has called me back. I want to get rid of the vehicle but can not do so without the title in my possession. The vehicle is currently in storage. I am at my wits end because I am not getting a straight answer from Hyundai Motor Finance about this issue. I received the paid in full letter yesterday, XX/XX/XXXX.
Product: Mortgage

In my original claim, CFPB and Ocwen addressed my complaint by focusing on the paper work and what the loan modification read. The deferred principal and loan modification are key parts, but this is about errors, lies and deception by Ocwen Loan Servicing LLC, to keep us in a house that was underwater. We relied on the deceitful information Ocwen sent us, upon which we made financial decisions, that damaged us financially. This is a claim and a complaint against Ocwen Loan Servicing LLC, not against the loan or a question of what is written in the modification documents. The original loan servicer, XXXX, convinced us to go into foreclosure in XXXX to get a loan modification and in XXXX, XXXX that happened, which increased our loan over {$40000.00} from an original amount of {$330000.00} to over {$360000.00}. We filed bankruptcy in XXXX XXXX and the loan became non-recourse. Ocwen took over the servicing and in XXXX, XXXX told us in writting that {$85000.00} of the loan could be forgiven, not deferred. The house was about {$90000.00} underwater, needed a lot of repair and we would have given it back, non-recourse and started over. Their own attorney stated " the statements were intended to encourage you to continue to make timely payments, which is exactly what you did '' and stay in the house and spend money on it, thinking we had {$85000.00} in equity, at a time there was negative equity in the house. Two years later, upon my request for paper work, Ocwen told me the {$85000.00} was not forgiven and since that time they have been delaying and passing us around in an apparent attempt to get us to go away, get frustrated or get more value for the house in an improving market. They also were very eager to provide documents for a deed-in-lieu of foreclosure. 

We lost everything in the recession, had to go through a loan modification that increased our loan over {$40000.00} from the original amount, filed bankruptcy, my wife was given XXXX, my father-in-law was going through a divorce at XXXX, our house needed a ton of work and I am XXXX XXXX XXXX with no XXXX. There were other opportunities out there for us to start over, rather than be at least {$90000.00} underwater, which this house was. 

In terms of financial damages, in XXXX XXXX our house was still about {$90000.00} underwater and it made sense to give it back if the {$85000.00} was not forgiven. Ocwen confirmed that the {$85000.00} was forgiven in the letter dated XXXX/XXXX/XXXX. We have spent over {$50000.00} on the house with the assumption the {$85000.00} was forgiven and it still needs about {$60000.00} more spent on it to get to what Ocwen claims is the fair market value. Then we would still loose about {$60000.00} plus opportunity cost of a new house of at least {$140000.00}, without the {$90000.00} loss. My math says that is about {$250000.00} and damages. 

Is there any program with CFPB or the regulators, that can help me pursue this claim or do I need to involve my attorney? 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX, OH XXXX
Product: Credit reporting

This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries listed on my credit report that I have disputed and they come back verified. Letters to the collection agency have gone unanswered requesting full validation of debt. This company is no longer in business per the XXXX website. In additon, XXXX XXXX XXXX recently entered into a consent agreement with CFPB for violations against consumers. So how exactly did the credit bureau obtain verification of debt from a company that is no longer in business???
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT 'XXXX XXXX XXXX. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance XXXX XXXX  Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try fixing this problem but I have had no luck. Back in XXXX I submitted disputes with all three bureaus. XXXX did their job the two other have not. The dispute that is still on my report is XXXX XXXX XXXX XXXX. This is over XXXX years old and needs to be remove from my report. I was under the impression that they automatically come off in 7 years was not aware that I would have to fight so much to have this remove. Not only did I send one but I sent two and still nothing is done. I hoping you can help me this and get this item remove.
Product: Debt collection

Exeter Finance calls repeatedly about a debt. I don't have any business with this company and never have. I want this company to stop calling me immediately.
Product: Mortgage

my mortgage was transferred to a new servicer but i have no knowledge of who to send payments to, i do not want to get behind because it is hard to catch back seeing as ive changed jobs and dont make the amount i used to make Thanks XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

On XX/XX/2023 my family arrived in XXXX XXXX XXXX XXXX XXXX the late afternoon at XXXX XXXX XXXX XXXX. We had private transportation arranged by the resort from the airport. 
We were taken to a large room that was being used as the check-in area. My credit card was taken from me to be added to our reservation for incidental charges. The card was out of my possession for an extended period of time while we waited to be checked in. 
When we returned from our vacation on XX/XX/2023, I immediately checked my credit card account online. I discovered an unauthorized charge of {$1800.00} from a merchant named XXXX made on the day of our check-in, XX/XX/2023. Upon researching this merchant, it is listed as a taxi service. We did not use this service as we had our own private transportation from the airport through the resort. Logistically, the charge doesn't even make sense as we were not in the country long enough to have a taxi charge of this amount from the airport. XXXX XXXX is only about XXXX minutes. Once we arrived at the resort and checked in, we never left the resort until we checked out on XX/XX/2023. 
I have made numerous phone calls over the past 6 months to XXXX. I have submitted documentation showing proof of our private transportation, proof of our arrival time into the XXXX XXXX, email addresses for our travel agent and staff at the resort to confirm all the information submitted. 
The credit card company stated that since this is a chip card, I approved the transaction. I did not approve it and the charge was made while the card was out of my possession at the resort. I have requested proof, that the transaction was approved, from the credit card company and it has not been provided. The credit card company said they were unable to contact the merchant and that I should do this. I tried several times using the information found online but there is never an answer to the phone number and no other contact information. This is a fraudulent charge from a fraudulent company. I was told, in writing, that I should not pay the disputed amount and that I would not be charged interest on the disputed amount but I have been charge interest for several months now. I have requested a supervisor/manager to call me to discuss the decision by the credit card company, to refuse to reverse the charge and interest. 
I have been promised 3 times that someone would call me in XXXX hours, then XXXX hours, then XXXX hours again. No one ever calls. I have had this case reopened 4 times now. 
I do not believe anyone is actually going to call me or listen to the facts.
Product: Credit reporting or other personal consumer reports

Upon inspection of my credit report, I noticed the following information is incorrect : Full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

Date of birth Current address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

Employer - This is not my employer, please remove employer from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as Experian, XXXX and XXXX such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company. 

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 1 ) XXXX XXXX XXXX opened XX/XX/XXXX 2 ) DEPT OF EDXXXX opened XX/XX/XXXX 3 ) DEPT OF EDXXXX opened XX/XX/XXXX 4 ) DEPT OF EDXXXX opened XX/XX/XXXX 5 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 6 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/22 there was a dispute filed with the CFPB regarding the inaccurate information on my experian credit report that has not been corrected. Last Payment, Last Active, Date of opened account is still inconsistent amongst bureaus. Experian has claimed that the furnisher verified the information as accurate. However, these dates are still inconsistent amongst the bureaus hurting my credit score. According to FCRA LAW USC.CODE 15 USC CODE 1681i ( a ) ( 5 ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. Please delete both student loan accounts do to the FCRA violation after the reinvestigation. Also proof of the accounts are attached to reflect the inaccurate and incomplete data on these accounts Account Creditor : XXXX Account Number : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX. Please repair and update these accounts immediately.