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

Subject : Formal Complaint Against Experian Regarding Violations of Federal Consumer Protection Laws To Whom It May Concern : I am filing this formal complaint against Experian for their violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Additionally, I am addressing issues with XXXX XXXX XXXX, XXXX related to their actions on the account listed below : XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$2800.00} Violations Against Experian Reinsertion of Previously Removed Accounts : Under 15 USC 1681i ( a ) ( 5 ) ( B ), if Experian reinserted a previously deleted account into my credit report, they are required to notify me in writing within five business days and provide the specific certifications used to validate the reinsertion. This did not occur, violating my rights as a consumer.

Failure to Maintain Accurate Information : Experian is required under 15 USC 1681e ( b ) to ensure maximum possible accuracy of the information in my consumer report. The reinserted account contains inaccuracies and was reported without due diligence, leading to significant harm to my credit profile. 


Neglecting Dispute Responsibilities : Experian failed to properly investigate and address my disputes as required by 15 USC 1681i ( a ), including ensuring proper validation of the accounts in question. 
Violations Against XXXX XXXX XXXX, XXXX Failure to Provide Validation Information : The collection agency has not complied with 12 CFR 1006.34 ( b ) ( 5 ) by failing to provide sufficient validation information before reporting the account to Experian.

Denial of Dispute Opportunity : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I was not provided with the opportunity to dispute the account prior to it being reported to Experian, violating my rights under the Consumer Financial Protection Act.

False and Deceptive Practices : The collection agency is in violation of 15 USC 1692e by using false, misleading, and deceptive means in their communication and reporting practices.

Unauthorized Furnishing of Information : Without providing required disclosures, the collection agency furnished this account to Experian, violating 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Requests for Validation and Documentation Debt Validation : I request Experian provide documentation verifying the validity of the accounts reported, in compliance with 15 USC 1681g. This includes : Evidence that the debts are valid.

Documentation confirming the collection agencys authorization to report these accounts.

Purchase Agreement : I request the purchase agreement between the collection agency and the original creditor, as this is critical to establish the legitimacy of the debt and the reporting. 

Proof of Licensing and Bonding : I request proof that the collection agency is licensed and bonded to collect debts in my state.

Account Blocking : Under 15 USC 1681c-2, I request the permanent removal and blocking of these accounts from my credit report to prevent further harm caused by inaccurate and improperly validated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because XXXX keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX and a victim of identity theft and XXXX has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and XXXX.
Product: Bank account or service

Went to a new Chase Branch in XXXX CA on XXXX XXXX XXXX, was greeted by the branch manager, was trying to deposit a cashiers check in my business account and was told because it was addressed to me personally that I was not allowed to sign the check over to my business which I have done over a 1000 times with every other representative at chase over the last 7 years I 've had this account. I asked if she can ask a supervisor and she said she was the supervisor and that she will NOT be depositing this check into my business account. I felt I was being discriminated against based off how she was responding to me and how unprofessional she was behaving on a simple request. 3 business days later, the completely closed my business account and no one at chase would give me any reason as to why. I have been with them for 7 years with zero disputes or issues and my account has always been in good standing. this was strictly done in spite because the manager was discriminating against me and had no justification for treating me this way and ultimately banning me from this institution. I will fight this until justice is served.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filling a complaints Equifax for falling to properly Investigate my dispute regarding Inaccuracies In my credit report that despite my submissions, Equifax Consistently response within 24 hours stating the account is accurate, without providing any evidence offered through investigation that this practice violates for fair credit reporting a Act ( fcra ) ,15 U.S.C S1681i Which mandates A reasonable investigation of disputes that furthermore, Equifax action may also contravene The Consumer Financial Protection Act ( CFPA ) ,12 U.S.C S S 5536 ( A ) ( 1 ) ( A ) - ( B ) Is a highlighted in the CFPB 's Recent administrative proceeding ( File No. XXXX ) Against them for similar violation that I request that the CFPB Take action to ensure Equifax compliance with federal law and provides consumer with the necessary proof of investigation.
Product: Debt collection

judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in XXXX when economy tanked and consumer was laid off for XXXX years. I have paid {$2100.00} and have the money order receipts for these payments 0f XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and Sessions and Rogers wanted to go overall of that on the phone. XXXX charged this account off but is still reporting on my credit. I called XXXX and they can not give me any information because the account was sold. Sessions and Rogers say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. Sessions and Rogers filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in XXXX years
Product: Checking or savings account

XX/XX/2020 Chime Financial , Inc sent a letter detailing the immediate closure of my both my checking account and credit card. there was {$9000.00} left in my checking account that Chime has continued to hold all while blocking all communication and preventing me from emailing or calling them to retrieve the money. They blamed the closure on the state of Nevada where the money came from, but it was Chime making a false and unwarranted accusation of fraud and overstepped. Chime still lists my credit as open on my credit file and refuses to remove it two years later. Chime should return my money and allow me to move on They are committed theft and refuse to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX i received a text message on my cell phone from XXXX that read FINAL NOTICE : EXPERIAN HAS FLAGGED YOUR ACCT FOR UNUSUAL ACTIVITY. REVIEW BY XX/XX/XXXX XXXX : XXXX I clicked on the link and you had to setup an acct which included giving the last 4 digits of your social security number and other info and I only half setup the account and then I called experian and was on hold forever and luckily they informed me it was not from them and it was fraudulent and they put an alert on my credit report along with my phone number and since I applied for a home equity loan once the bank pulls my credit report I have to call all 3 credit companies and put a freeze on my account.I think this fraudulent text stems from being on ourtime dating site because there are so many scammers on that site and so many dishonest people. Ourtime is a very unsafe dating site.
Product: Checking or savings account

I 'm trying to use a payday app,   XXXX   XXXX  , and it is showing that I have a negative balance when I just got paid. It says that my bank, State Employees Credit Union, is not sending my information.
Product: Credit card

Hello, CFPB I used my Wells Fargo XXXX XXXX ( ending XXXX ) at XXXX XXXX XXXX XXXX XXXX. My stay was from XX/XX/XXXX to XX/XX/year>. The payment amount was {$1100.00} ( XXXX XXXXXXXX XXXX XXXX On the XXXX credit card statement, only XXXX base points were posted. The extra XXXX bonus points were missing. I contacted Wells Fargo 4 times. More than 2 months has passed and the issue is still not resolved. 

Please see the XXXX attached files ( hotel invoice + credit card statement ). I request Wells Fargo to post the missing XXXX bonus points to my account. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

Obtained a Self XXXX XXXX account, which allowed me to open a credit card using the money accumulated from the credit builder account. I fell on hard financial times in XX/XX/XXXX and no payments were made so the company closed the credit card for no payment for 80 days. I made one last payment in an attempt to not have the card closed because I had it for 2 years but I was to late and so a previous balance has been held from a prior credit-builder account that was used to pay off the remaining balance. The maturity date for the credit builder account was XX/XX/XXXX, I made all those payments and received an email stating that I would receive XXXX minus fees but the problem is that I was already charged for those fees through their billing process and the credit card was paid in full based off the statements from Self. I was double-charged in the amount of XXXX, and I received {$440.00}, In my attempt to resolve this matter, I experienced unprofessional services and received two phone calls at XXXX in the XXXX XXXX standard time from representatives at Self. An email from a supervisor that shows the breakdown of charges reflected the doubled billing of interest, late fees, and return item fees but I have the billing where I paid all those charges within each billing cycle that I may have been late with. Self also continues to provide a statement to the credit card account even though the account is closed ( XX/XX/XXXX ). I haven't been able to resolve this issue because Self believes that the withholding is correct but the billing statements show that I already paid these fees and I am not willing to accept a {$50.00} gift from XXXX. In attachment shows when and where I paid when I was late with my payments, I don't understand how at the end of term all these fees come back. I also paid for an expedited payout at the end of the term ( XXXX maturity ) and payment wasn't processed until two days before the initial close date so I don't see how that was expedited payout.
Product: Credit card

I received balance transfer checks advertising 0 % ( promotional APR through billing cycle that ends in XX/XX/XXXX. When the promotional period ends i would be charged 27.49 %, the standard APR. 
to use the check, and obtain the 0 %, i needed to pay 5 % flat fee for the amount. 
i used a check for {$15000.00}, was charged {$750.00} and am still being charged interest on the {$15000.00}. 
In XX/XX/XXXX i had an {$810.00} charge i changed to pay over time, offered by Chase, also paying a monthly fee. I have {$67.00} left on that charge. 
When i called about the interest being charged they told me that because i had a pay over time charge in progress, i didn't qualify for the 0 % interest on the balance transfer. 
i told them i would pay off the balance of the card, but i wanted the {$750.00} ( 5 % flat fee refunded ). 
they said this was addressed in the credit card terms when i first opened the account, obviously in fine print and a trick. I would like to not be charged interest or have the {$750.00} flat fee refunded.
Product: Checking or savings account

I had a motel hold on this account of {$100.00} from XXXXXXXX XXXX XXXX and banks hasnt released my money when motel did.
Product: Mortgage

I have over accrued on my escrow account due to my property being a new build and the taxes not being assessed. My tax statement came in XXXX and the company servicing my loan XXXX sent me an overage check in XXXX. They said they could n't change the escrow until the review in XXXX so it would continue to over accrue and they would then fix the payment and send me another reimbursement check in XXXX. I called then to follow up and my load had been sold that month to Rushmore LM. At that time Rushmore said they just purchased many loans and I would have to wait a few weeks for the escrow analysis to conducted. I called back and they said they were finishing them up. I then received a statement dated XX/XX/2016 with the correct amounts for my taxes, insurance and PMI, with an overage due to me of {$3900.00}. I called to ask for my check and they said it was in process for another two weeks. Then a week later I received another escrow analysis dated XX/XX/XXXX with the old incorrect taxes and my PMI had somehow doubled from {$64.00} to {$120.00} per month, this statement had an overage of {$800.00}. The payment then went back to {$2400.00}, from the previous escrow analysis which had my payment at {$2100.00}. I called and they said they would review and get back to me. No call back. I called again a week later and they said that it would have to go through a escrow analysis. During this call the automated system stated my payment to be {$2100.00}, however the representative stated a higher {$2500.00} which I have a recording of the call for your review. He connected me to the tax department at Rushmore who I then confirmed my tax amount once again. He also confirmed my MI had doubled to $ XXXX/mnth which I felt was illegal as this was defined in my closing note and not to change ( just like my % rate would n't change ). He said he would look into this and he would call me back XX/XX/2016 ( XXXX was his name ). No call. I called back on XX/XX/2016 and they said they would be looking into this and process this for evaluation. I asked to speak to a manager and he was on the other line but would call me back when he hung up ( XXXX ). No call back. I then received a check for the lesser amount of {$800.00} on XX/XX/XXXX for an overage per the second escrow analysis. I called on XX/XX/XXXX and spoke to a XXXX manager. She said that she agreed there was an issue and would look into it and call me within 48 hours. No call. At this time I called my loan originator and asked what I could do and if he could look into it. I sent him all paperwork and he spoke to his XXXX rep and they evaluated it. They agreed the increase in my PMI was illegal, holding my money was also illegal. They suggested I then file a claim with CFPB as holding my mortgage payments as a form of recourse was a bad idea and the only other option was an expensive refinance at my expense. So here I am with a loan management company that refuses to call back, wo n't pay me the money owed, has illegally doubled my MI, and has also continued to give me contradicting stories on what my actual payment should be.
Product: Debt collection

I noticed on my credit report the company name XXXX XXXX XXXX XXXX/XXXX is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.
Product: Debt collection

Contentatal Finance in charge of XXXX credit cards robot called me 28 times within two days. I attempted to contact their customer service number to let them know this was not alright. When I called their customer service number I received the recorded message during business hours that no one was able to take my phone call and then the call disconnected. I finally called the bank who issued the card, XXXX BXXXX in XXXX XXXX XXXX Utah. They said they would send an email to Contental Finance to have them call me. I expressed to XXXX XXXX how much I did not like their parents practices. No company should be allowed to harass someone like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts appear on my report that I never opened or authorized. The accounts are : WESTLAKE FIN XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention on, regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : 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 Balance : {$5000.00}
Product: Mortgage

My mortgage was purchased bt RESMAC from XXXX XXXX on XXXX. I was given notification at the end of XXXX, XXXX  by XXXX XXXX. I made my XXXX mortgage payment electronically to XXXX on XX/XX/XXXX as I had not received any documents from RESMAC. 
I spoke to XXXX XXXX, teh owner of RESMAC on XX/XX/XXXX on his personal cellphone and told him of my paymanet and informed him that I had not received any documents from RESMAC including where to pay, how to pay electronically, verification of current balance, escrow amount. He stated not to worry that he would take care of it. He also stated not to worry " I won't charge you a late fee ''. I stated " please don't insult my intelligence, you can not charge one nor report to the credit bureas for 60 days by law ''. I told hime that I wanted to pay on time and i was concerned about the competency of RESMAC to make this happen and maintain my XXXX credit score. 
I went on the RESMAC website that states " one-time ACH payment for new loans ''. It asks for a RESMAC loan number which I did not have. 
I spoke with XXXX XXXX again on his personal cell phone on Monday XXXX and told him that i could not pay online as I did not have a loan number. I also stated that I still did not have any loan docs with amounts on them. He told me that he would have this corrected by the end of the day and would send me an email. I did not receive an email and all of my calls, texts and email to his specific email address on Tuesday, XXXX went unanswered. This was the same issue on Friday, XXXX. I am attacing several email and text threads supporting this as well as his statement saying this loan is unique and he is having issues with it in his system. Not my issue but my credit. I spoke with someone named XXXX on Friday, XXXX at approximately XXXX. She could not find my loan in the RESMAC system. I told her to call XXXX XXXX immediately. She did and called me back. She stated that my loan was'nt in the system properly so there is not visibility to it. She had told me the loan was due in XXXX. I had told her that I was current with the prior servicing company through XXXX and have NEVER been late. She stated that I was not due until XXXX. I told her that this was incorrect. I told her that I would pay by check over the phone agains my better judgement and deal with any tranferring balance issues later. She said ok. I asked her what my principle balance was and she said that she did not know. She asked for my routing # and I asked her how much the check was going to be for and she stated an amount that was SIGNIFICANTLY less than the note stipulated. I told her that and she said " OK, I will take that amount '' ''. I said, without you knowing a breakdown of my escrows this is just going to go to additional priciple balance ''. I stopped the process and still have not made XXXX 's payment.
Product: Credit card or prepaid card

I applied for TJMAXX ( merchant ) card when I made a {$56.00} purchase on XXXX XX/XX/XXXX. 
I never received a credit card due to the misspelling of my name and an inputted incorrect address. The credit card was returned ( according to a customer service rep that I spoke to ) ; and apparently, several bills were sent with accrued fees/interest. Not sure where those bills ended up. XXXX XXXX XXXX. took over the debt and sent me a bill for {$190.00} ( on XXXX XXXX, XXXX ) but when I wrote to them about the problem, they sent the debt back to XXXX XXXX ( original creditor ) who then sent me many copies of statements that had been generated but never came to the correct mailing address. 
I called customer service at TJMAXX on XXXX XXXX, XXXX hoping to pay my original purchase price, but the recording stated that my account has not been activated!?? 
I am afraid to remit {$56.00} instead of the statement amount of {$190.00}, there will be more confusion.