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

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue I have been experiencing with Experian regarding inaccurate information on my credit report. Despite repeated efforts to address this matter directly with Experian, the inaccuracies remain unresolved, negatively im

pacting my creditworthiness and financial stability. Background I reviewed my Experian credit report and identified the following inaccuracies : 1. Student Loans : My credit report contains student loan accounts that are inaccurate. These loans either do not belong to me or reflect incorrect balances and/or statuses. I have contacted Experian and provided supporting information to demonstrate the inaccuracies, yet these accounts remain on my report. 2. Hard Inquiries : Several hard inquiries are listed on my credit report that I did not authorize. These unauthorized inquiries have negatively affected my credit score. I have repeatedly disputed these inquiries with Experian, but no corrective action has been taken. Steps Taken I have made multiple attempts to resolve this matter directly with Experian, including : Submitting formal disputes through their online dispute portal and via certified mail. Providing documentation to support my claims, including identification, proof of address, and records verifying the inaccuracies. Following up with Experian customer service to check the status of my disputes. Despite these efforts, Experian has either failed to correct the inaccuracies or has provided unsatisfactory responses. Impact The presence of inaccurate student loans and unauthorized hard inquiries on my credit report has resulted in the following consequences : Lowered credit score, which affects my ability to obtain credit on favorable terms. Emotional distress caused by the lack of resolution and the time-consuming nature of disputing these inaccuracies. Potential loss of financial opportunities, including credit approvals and favorable interest rates. Request for CFPB Assistance I am requesting that the Consumer Financial Protection Bureau intervene to ensure Experian complies with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I ask for the following : 1. A thorough investigation into the inaccurate student loan accounts and unauthorized hard inquiries. 2. Immediate removal of the inaccuracies from my credit report. 3. Assurance that Experian updates its procedures to prevent similar issues in the future. Conclusion I trust that the CFPB will take this matter seriously and hold Experian accountable for its obligations under the FCRA. Please do not hesitate to contact me if additional information is required. Thank you for your attention to this matter. I look forward to your prompt response and resolution. 



Sincerely, XXXX XXXX. XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX  charged {$2900.00} for homeowners insurance. However, there was an adjustment reducing the bill down to {$2500.00}. Our mortgage company, Freedom Mortgage did pay the {$2900.00} before the adjustment was made. XXXX returned the difference of {$410.00} to us. We returned the {$410.00} to the mortgage company which they applied to the escrow. The mortgage company has not audited their records but is presistant that there is a shortage. The mortgage company does not pay property taxes from the escrow account as we are both XXXX veterans and property tax exempt. The only cause of the escrow shortage is from the homeowners insurance. 

The mortgage company was given a written request to audit their records and to please refrain from late penalties and negative credit reporting until the audit is complete. They have not honored that request, but have added a late fee and have not applied the previous mortgage payment to our account. They have received our mortgage payment but has a policy of not applying payments if it is less then what they feel is owed. To be clear, the account will show no payment has been received even if has.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; 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 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: Checking or savings account

Wells Fargo Claim : XXXX I submitted a dispute against transactions on my now closed card and account with Wells fargo. I was on XXXX and provided their dispute team with proof and evidence of my time away, dates, and locations. There was no way I could have made those charges t to my card. They denied my claim and closed my account.
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from US Bank stating that due to low activity my checking account was going to be placed in inactive status. This letter has been the only communication I received from this bank for this account in the last 2 years. I called the number provided to find out more information. 

I found out that the bank has been taking out a maintenance fee of {$24.00} every month since XX/XX/XXXX without my knowing. I have not received any emails from them on the change and I have not received any paper statements. 

Too date, they have taken out XXXX fees for a total of {$440.00} without XXXX word of communication from them. 

When I called them, were unwilling to reverse the fees. It is completely unfair that they would take out maintenance fees and not send me any information about it. Again, I have received XXXX communication about this account at all- until this XXXX letter. 

This is unfair banking practices and unethical. 
I am asking for a return of the fees taken out.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a Certified letter on XXXX 2024 asking them for copy of the contact that i signed a full accounting history of the debt every payment history that was made copy of 1099c since they wrote it off and have on my credit report as a charge off. 

i ask for the company to send me real proof regarding the report of the account.
Product: Debt collection

When I was called to XXXX XXXX my home was moved from XXXX, Oh, where Keybank is located, to XXXX, MI, WHERE NO KEYBANK IS ANYWHERE NEAR. I made sure to caps the previous statement because it's 100 % the cause of the fraudulent charge I've encountered. I called Keybank to close my account after drawing all the funds out of the account. I had no access to go to Keybank as it was over 2 hour drive away. I called he first time and nothing was done to close my account. I incurred charges because I removed all the money from my account. I PAID the first round of fraudulent charges, I again called KEYBANK to close my account when it was YET AGAIN at XXXX. Once again nothing was done on Keybank side and once again overage charges were encountered. This account should have been closed PRIOR to the charges TWICE! this was fraudulent twice. Not to mention I was SERVING OUR COUNTRY. I will not pay this charge, as it is fraudulent. Just to point out, your system is glitching, it would not allow me to Input my last 4 of my ss # so I put the last four as the account number. THE ACCOUNT NUMBER I ENTERED IS MY LAST FOUR, I DO NOT HAVE AN ACCOUNT WITH KEYBANK AS THEY CLOSED THE ACCOUNT AFTER FRAUDULENTLY CHARGING ME TWICE ...
Product: Debt collection

Trident Asset Management Company  has a debt for {$8000.00}, account number  XXXX  which was removed from my  XXXX  credit report because it was an unsubstantiated debt. I am trying to buy a home and this company will not remove the debt from my other  XXXX  bureaus even though it does not belong to me and this is prohibiting me from moving forward in the home buying process. I do not owe this debt,   XXXX   verified this and had it removed in  2015 . Can you please assist me.
Product: Checking or savings account

XX/XX/2023 I made a deposit of {$4000.00} which was from a local lender made out to me as a loan check that needed repaid. I opened up an account with Chase bank in good faith because I have friends who bank with them. The teller told me originally my funds would be held until the XXXX which came time for my check to clear and they placed an additional hold until the XXXX. My check still has not been made available to me and has collectively been in limbo for half a month now.
Product: Mortgage

They Call me multiple times a day even when I told them the date I get paid. When I talk to them they disrespect me with things like pay your bills even when I explained I got XXXX  they didnt want to help me, then I lost my job they didnt want to help me. A Supervisor took the call because I was due for two months and they didnt want to take more than just a regular payment until I had all two months of mortgage, they are rude and I dont even want to answer the phone because they call to argue or downgrade me, I told them if they didnt take the payment i was going to file a complaint against them. I told them the next payment I will make it on the XX/XX/26 and they called me twice today that I had agreed to make payment today. When I asked for a supervisor name they denied giving it instead I was told to pay my bills
Product: Debt collection

In  XXXX  I received a phone call from an unknown number that claimed to be from a debt collection agency trying to collect an unpaid debt, claiming that the last apartment complex I had lived in was trying to collect an outstanding bill.     As I was driving at the time and had no idea what this debt was about ( this being the first I had heard of this ) I asked them to email me all the information in regards to this debt.     During this call they made the threat that " unless I paid immediately my  credit score  would be ruined '' This phone call was made from the following number -  XXXX  Later that day I received the following email, that as can be seen had none of the required information on what the debt amount was, who it was from, or any information on my rights to contest the debt. There were  XXXX  attachments, however the first  XXXX   XXXX  a .tif file ) would not load ; the second one was simply their company letter head.      XXXX   XXXX   ( FADV-  XXXX  )  XXXX  XXXX  XXXX  via  XXXX  Attachments XXXX   XXXX  to me NCAC is a debt collector.This a attempt to collect a debt any information that is obtained will be used for this purpose.        XXXX   XXXX  Case Manager T.  XXXX  ext  XXXX  Fax  XXXX   XXXX  XXXX  XXXX   www.FADV.com  National Credit Audit Corporation The screening solutions business of  XXXX  has combined with  First Advantage  - Creating the Global Leader in Screening I have replied back to this email with the following : Hello  XXXX , I am sorry but could you please resend the attachments as they do not open.     Also as at this point you have not followed the Fair Debt Collection Practices Act and relevant Texas state laws I will be reporting this. Please also therefore consider this to be notice that, at this point in time, as both the law has not been followed and the required information has not been sent/received, I contest this debt in it 's entirety.     Sincerely,   XXXX   I have also since contacted the local tenants adviso ry (   XXXX ,  XXXX   County )  in regards to this claim and am now in discussion with them in an effort to sort out these charges.
Product: Credit card or prepaid card

I DID NOT DISPUTE THE ACCOUNT ATTATCH TO THE LETTERS, AND I DID NOT ANYON TO DELETE MY ACCOUNT. PLEASE, I'M BEGGING YOU TO RE-INSERT IT TO MY ACCOUNT, THANK YOU!
Product: Credit reporting

Hello. Thanks for your help! 

This is in regards to a full file disclosure from a speciality CRA, Contemporary Information Corp ( CIC ). 

This CRA has run numerous reports on me in the past- including- a dispute with this company back in XXXX XXXX were reporting an expunged record- in which they eventually corrected ( confirmed in a paid report run XX/XX/XXXX ). In XXXX XXXX, they ran another tenant screening report which reported a 'code XXXX Must call customer service for a manual search. ' My full file disclosure request included the below language : " I am writing to request a free annual full file disclosure ( FCRA 612 ( a ) ), including all information recorded and retained, regardless of how the information is stored, including sources for the information in the file, information about persons who have procured a consumer report, and a record of all inquiries, as mandated by the FCRA and enforced by the CFPB. Please include definitions for any coded information as also required by the FCRA. '' " While this letter of full file disclosure request and enclosed identification fully satisfies all requirements of the FCRA Regulation V, please inform me in writing if there are any issues with this request. Any noncompliance of the FCRA or FACTA will be documented and appropriate actions will be executed. '' The response of the full file disclosure was simply a clean consumer report ( attached ). 
There is : -no record of the report ran on XX/XX/XXXX ( attached ) -no record of the report ran on XX/XX/XXXX ( attached ) -no mention of the coded information on report from XX/XX/XXXX -no definitions of coded information -no record of the prior dispute -no source of information from previous dispute -no information about the persons who have procured a consumer report on me All supporting documents are attached and labeled. 

I am looking to receive a proper full file disclosure - EVERYTHING that this company has in my file - not just a clean consumer report ( CIC sent me a clean report in XXXX XXXX and somehow sent out the 'code XXXX ' report in XX/XX/XXXX ). 

In summary- CIC originally issued an inaccurate report, claimed it was fixed after a formal dispute, later issued a report with some sort of coded flag on it, and then issued me a clean report when I asked for a full file disclosure. 

These guys keep messing up my report and now are n't following proper protocol for a full file disclosure. Can I please get some assistance? Thanks!
Product: Credit card or prepaid card

My secured credit card with Wells Fargo account number XXXX, is definitely reporting wrong after months and months of trying to get this rectified. ON XXXX they are reporting me as being 30 days late in XX/XX/2018 and XX/XX/2018, as well as being 60 days late in XX/XX/2018 and 90 days late on XX/XX/2018. 

But then on XXXX  and XXXX, they are reporting me 30 days late inXX/XX/XXXX 60 days late in XX/XX/2018 and 90 days late in XX/XX/2018. 

XXXX even shows 30 days late in XX/XX/2018. 

But if you look at the screenshot of my credit report, they all say dispute resolved, customer disagrees but they didn't change anything. 

Which means that a real investigation never took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them immediately
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, that I reported to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Funding, yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : 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. XXXX.
Product: Vehicle loan or lease

SANTANDER CONSUMER USA INC is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. In accordance with 15 U.S.C 1681 S2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors : A person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In accordance with IRS XXXX XXXX, Form XXXX was filed as a cancellation of debt. ( XXXX XXXX B Attached ) Once this document is filed, it must be reported as gross income on my tax return. The IRS also clearly defines a charge-off, as SANTANDER is inaccurately reporting on my consumer report, as GROSS or ORDINARY INCOME. SANTANDER should also understand that the charge-off that's being inaccurately reporting is now considered as a XXXX of XXXX, which is also considered income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. By definition, the IRS clearly says a canceled debt or XXXX  is XXXX. The reporting of this account as a debt is inaccurate. This account should be reporting as a satisfaction of debt. " Paid As Agreed! '' 15 USC 1681 S-2 reinforces that SATANDER IS PROHIBITED BY LAW to furnish inaccurate information. Furthermore, I sent SATANDER an Opt-Out letter with no response. ( Letter Attached ) Per 15 USC 6802 and 16 CFR 313.7, as a consumer I can exercise my right to Opt-Out at any time. I exercised that right, with no response, in violation of XXXX  USC 6802, 16 CFR 313.XXXX and more importantly the Privacy Act of 1974. Also within the confines of SATANDER 'S XXXX  filing with the XXXX, they have already sold the contract between us, as an investment security, to investors. SANTANDER has reaped the benefits of all the proceeds of the sale. This is also evidenced in the 424 ( b ) XXXX Prospectus. ( Excerpts from 10K filing Attached )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX To Whom It May Concern : My name is XXXX XXXX XXXX and I am filing an official complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDAHO XXXX. 

The attorney falsified details on a complaint filed in Third Judicial District in the State of Idaho ( CASE # : XXXX ). 

I requested proof of debt which is my legal right. Letter of Validation : Collection efforts, i.e. documentation, phone calls and/or letters from both the Citi Bank and/or his office. No proof of debt was provided.

In the complaint he stated that he made numerous attempts to collect debts and again 10 days before complaint of judgement was filed. There has been no collection efforts from Citi Bank or the attorney. I sent a letter requesting proof of all actions. NONE was provide. This debt is no longer owe- according to CitiBank . 

The attorney, XXXX XXXX XXXX knowingly and intentionally practiced deceit knowing that his action would cause hardship and unnecessary stress. I also filed a complaint with Idaho XXXX XXXX XXXX regarding his actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have a debt that was taken over by this company Caine and Weiner. I initially received a letter from them stating that I had the debt and I had 30 days with which from the date of the letter to reach out to them to accept the debt, and either pay it in full or negotiate a payment arrangement with them to settle the debt. I literally called this company maybe a week after I received the letter, within that 30 day timeframe and negotiated a payment arrangement with them to clear my debt. The total amount of my debt is {$490.00}, and the agreed upon payment arrangement states that I authorize them to take XXXX payments of {$80.00} from my account every XXXX weeks to clear the debt completely. The XXXX payment started and was taken from my account successfully on XX/XX/22. As of today I have successfully paid XXXX of the XXXX payments stipulated in the payment arrangement ( the XXXX was taken from my account on XX/XX/22 ) and even with this, the company still went ahead and reported my debt to the credit bureaus.