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

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Prepaid card

I have received two American Express prepaid Gift Cards for {$25.00} that are completely unusable. No one accepts them. These are a complete scam and should not be allowed on the market.
Product: Vehicle loan or lease

XX/XX/XXXX i had my car accident that led to the total loss of my suburban. I was not at fault in this accident. The party that was did not have insurance or a license. My insurance paid their portion of the loan, along with my warranty and gap company. They receieved said checks at the beggining of XXXX and waited until my XXXX payment was due and now they refuse to close the account even though they have received all payemnts and demands for it to be closed. which in turn is making it difficult for us to get another loan I made every single payment on time and never missed XXXX. This is the way they treat loyal customers. All i want is for this account to closed so i can move on with my life. I will also make sure that other people know how crooked this business is so they will avoid the trouble i have
Product: Credit card or prepaid card

Since XX/XX/XXXX XXXX XXXX. I been incontact with the XXXX  card business department at Capital One. I have informed the representatives that the business checking is not in my name and I have no way to access something that is in not in my name. Also this account had/ has many unauthorized charges. I informed the representatives that I only have access knowledge of a business account for XXXX XXXX anything else is not authorized by myself since im the owner of the cards/ business.
Product: Payday loan, title loan, or personal loan

I applied for the loan and was approved for XXXX up until it was time for me to sign the e consent form, I refused to sign because the the interest was 777.03 percent and the payoff was XXXX for a XXXX dollar loan this is an outragous company and should be put out of business when people are in need of help they should n't be able to take advantage of the poor I would never accept something like this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Intervention with Experian Dear CFPB, I am writing to express my deep dissatisfaction with Experian 's handling of my credit report and to formally request your intervention in this matter. My account with XXXX XXXX XXXX XXXX, which was previously in good standing, has been improperly marked and subsequently deleted from my credit report without valid justification. 

Despite providing Experian with the necessary detailsincluding my account number and clear evidence of my positive payment historymy account has not been reinstated. It is unacceptable that after filing a complaint, Experian has continued to display negligence by failing to accurately investigate my disputes. 

The name associated with my account, XXXX XXXX XXXX, has been updated correctly, yet Experian has not restored my positive credit history. This negligence creates an unjust barrier to my access to credit, employment, and housing opportunities, which is a direct violation of consumer rights. 

I urge the CFPB to take swift action against Experian for their sham investigations and blatant disregard for accurate reporting practices. I request that you compel Experian to reinsert my account to its original status immediately. 

I appreciate your attention to this serious matter and look forward to your prompt response. 

Sincerely, CFPB EXPERIANS NOT COMPLYING UNDER SECTION 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ;
Product: Mortgage

I started the mortgage process in XX/XX/2021, as I want to incorporate the loan for an inground pool I had installed which has a rather high interest rate of 6.99 %. I was told with the initial phone call with the information presented, this would not be a problem, since my income and debt ratio are within limits and the appraisal of the home was sufficient for the refinance. 
The process has drug on and on, I have been asked to submit the same documents several times and I have submitted the documents several times, and each time I was told the process would proceed. This will be a VA loan. 
There is no reason for any rejection or delay as my credit scores are excellent, no missed or late payments on record.
Product: Checking or savings account

I am reporting Wells Fargo for not helping me or taking proper actions with my request on either putting me on a high protection program like they offered to do. Also removing security on my account. Like verbal passwords and also allowing fraudulent activity continue. And not listening to me or hearing me out. I was receiving alerts from XXXX  on Changes being made on my business checking. I have been banking with them since XXXX. I opened a business checking in XXXX when i first started my cleaning business. There was changes on the name. The username and password were compromised. I requested that there was suspicious online banking. Also had reported my debit card stolen. They didnt help. Also recent suspicious activity and unauthorized transactions were continuing to happen. I personally visited the branch to put a freeze on the account and suspend online banking. Also to close my savings. Again i had went because i spoke to IRS n my stimulus checks was deposited into that account after i said to freeze it. I have not gotten a new bank account until i resolve my identity theft situation. They gave me hard time to withdrawal my funds. They suspect im the fraud after i went in person to let them know. I asked why did my bank account name changed from business to personal without my permission or my knowledge. They made numerous changes. I feel like they did not believe me. The fraudulent activity was going on by phone and online. When i called about my account. They said i needed a authorization code. That i didnt receive or had any knowledge of. Also had mentioned why there was changes being made. They didnt say anything. I said is my phone number the same? The person on the phone hung up on me. It was the second time i had called. So when i went in person. The banker explained that my savings is a personal check. He sat there saying that their wasnt any changes with my phone number as well. So i suspect the banker wasnt being honest. I requested to listen to the calls. N he acted like he was helping me. Anyhow. I got some documents by mail from Wells Fargo. The fraudulent activity has been going on since XX/XX/XXXX to now XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX BANK XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LOANS XXXX Balance : {$40000.00} XXXX XXXX Balance : - XXXX  OF XXXX XXXX XXXX : XXXX XXXX BANK XXXX  XXXX Balance : XXXX XXXX XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX CARD XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX  XXXX Balance XXXX - XXXX XXXX  XXXX Balance : - Bankruptcy chapter XXXX-discharged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX CT TX XXXX Bankruptcy XXXX XXXXdismissed Filed on XX/XX/XXXX Reference number XXXX XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX BANK NA XXXX on XX/XX/XXXX XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : - BANK OF XXXX XXXX Balance : - XXXX  - XXXX SERVICE XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX DEPARTMENT OF XXXX XXXX Balance : - Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX Court : XXXX XXXX CT Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX BANK XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : - XXXX OF XXXX XXXX XXXX : - XXXX  XXXX Balance : - XXXX XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX DEPT XXXX XXXX XXXX : - XXXX  CARD XXXX XXXX : - XXXX ENERGY XXXX Balance : {$1700.00} Chapter XXXX bankruptcy discharged Filed on XX/XX/XXXX XXXX number : XXXX Court : XXXX Bankruptcy XXXX Chapter XXXX bankruptcy dismissed XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX Bankruptcy XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX 2023
Product: Debt collection

This account is a product of identity theft. It is not the first time that a collections company has tried to collect on this fraudulent account. Evidence has already been presented that I never lived in the United States during the period when the account was opened. Furthermore, due to the statute of limitations in Texas, this account can not be collected on anymore. I request that all entities help to stop these illegal charges as I am a victim of identity theft. Additionally, it should be shown that the collection company is licensed to make collections in Texas as they engage in bad collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent certified mail to each credit reporting agency, XXXX, Experian, XXXX. I never received any response from the credit reporting agencies. I resent another dispute letter again on XX/XX/22 and still never received a response. I confirmed that my proof of address and all documentation was correct, which it was, however, I have still not received any response in regards to the inaccurate information that is reporting on my credit report and need to be removed immediately.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Charged my XXXX  a {$490.00} subscription, with out notifying me. I never use this card, and they charged me this yearly charge, with out my authorization, then never sent me a bill for the {$490.00} so we I had no idea they were charging me the {$490.00}, and I have no bill, so I had no idea about the {$490.00}. They agreed to credit me the {$490.00} and cancel the card, but they still have damaged my credit report, and i am in the middle of an XXXX XXXX, and they have done significant damage to my credit report.
Product: Credit reporting or other personal consumer reports

Edfinancial is reporting transferred accounts as active to the credit bureaus in a manner that is inconsistent with the Fair Credit Reporting Act. Despite no longer servicing my student loans, Edfinancial is reporting XXXX tradelines. XXXX are reported showing {$19000.00} each. The other XXXX are reported showing {$20000.00} each. Only XXXX credit lines should have been reported in the first place and, now that the loans have been transferred to XXXX, Edfinancial should not be reporting any active accounts. The last activity shown on the accounts is XX/XX/year> and XX/XX/year>. The loans are properly reported by XXXX. Edfinancials improper and inaccurate reporting causes my total debt to be over reported by {$80000.00}. Redacted images showing duplicate reporting are attached.
Product: Debt collection

This company " premium asset services '' refused to identify themselves when I returned a phone call after being hung up on by an employee who called my business number to verify who i was and hung up chuckling. When I called back to try to identify this " company '' and validate the reason for the call, another employee told me it was not his responsibility to inform me of the company name or matter, just that they were moving forward with the precedings and again hung up on me. I called back again and spoke to the " executive director '' who said he did n't want to argue the semantics of debt collection with me and rudely asked " if I was going to pay or not '' to which i said No. I tried explaining that I want proof of this debt and he said they have previously sent notifications. Not once did they notify me that " this is an attempt to collect a debt and any information obtained will be used for that purpose '', a phrase I know needs to be used in my state of Massachusetts under the FDCPA. They used language suggesting that they would " sue us '' if not resolved today. I have never dealt with such a bullish, unprofessional, and aggressive group. My wife stopped answering harassing phone calls from one employee because he would say things like " I do n't know what you are so afraid of? '' We have phone records of up to 4 phone calls in a single day, also against the massachusetts FDCPA. When asked to identify themselves when you do answer the phone they just repeat can i speak to " your name ''. If you ask what this call is regarding they ask if they are speaking to you. Upon finally talking to the executive director, he calmly talked to me and said " ill be honest with you, there is n't enough debt here to take you to court '', even though his colleague informed me that they were " moving forward with precedings '', another infraction. I agreed to pay the debt upon validation, and he wanted me to give him my credit card today for a future withdrawal to secure our arrangement. to which i said absolutely not, and he told me to get a prepaid card and call him back with it. I am writing this in the hopes that others do not have to deal with this type of harassment from such an unprofessional " company ''.
Product: Checking or savings account

I opened a new chase account after dealing with an incredible hardship last year. I had been with Chase prior to this for 12 years. I was in a scam marriage and had to end up filing bankruptcy. I recently called chase to find out if I was eligible to reopen. Someone from the charge off department and the banker themselves told me I was able to so I opened one. They walked me through how to perform an external transfer which I did. Now {$4800.00} is in that account, and as soon as the transfer went through, they restricted everything on my account and said they decided to close it. I have {$4.00} to my name. Rent was due XX/XX/XXXX. I have late penalties, and it could be 14 days or longer to close my account and then they have to mail me a check. I will have incurred XXXX in late penalties and a negative impact on my credit report saying I missed a payment which I have never done with rent. They can take their time on closing it and getting my check which is truly scary. When I call in they keep me on hold for 30 mins to 1 hour. Or they answer and sit in silence for a long time until I finally hang up. They also hang up regularly on me and refuse to tell me anything about what happened to my account. My roommates money is also in there that she paid for rent. I do not know where to go from here but this is not a good situation. I have XXXX locked away that I can not access until they decide an appropriate time to send my money to me has passed. Meanwhile I live in LA, have XXXX dollars to my name and have not paid rent. I trusted them when they told me exactly what to do to get the account up and running and now I am left at the will of a bank. It seems shady they told me what to do to send all my money over only to lock me out of my account and leave me XXXX. I need this resolved ASAP because I can't afford XXXX a week in late penalties when I have XXXX dollars in my name. I have also not paid my electric or car payment.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XX/XX/2021, she stole my wallet out of my plains I got paid on XX/XX/2021 of {$710.00}, and XX/XX/2021, of {$26.00} that's a grand total of {$730.00} taken out of my account. Then she stole my phone on XX/XX/2021 and erase my whole life. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  my Chime Account were chime bank saying they can't help me. Stole my mother 's Social Security card that I have of my mother that pass away XXXX yrs ago from XXXX. my twin sister 's social security card. She stole my life and erase it. this needs to be filled out now stole my life and erase all my accounts. In the phone information of my probation officer info and father 's right info of photos and videos of her being an unfit parent. took my wallet and erase my life this needs to be done asap.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX, Transunion AND XXXX Please delete the following accounts. XXXX XXXX XXXX bal. {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed issues on my credit report from Experian as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Experian and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.
Product: Mortgage

Last XX/XX/XXXX, a lending company in XXXX California ( the same lending company who helped us purchase our house ) offered us refinancing our home without closing cost and other fees. We just have to pay for the appraisal and the processing fee for the solar documents. So we went ahead and paid the Appraiser which they assigned {$700.00}. We went ahead also and paid {$150.00} to the Solar company so they can go ahead finalize the refinancing. This went on until XX/XX/XXXX. We signed documents so they could check our credits, we signed and submitted all approval conditions documents and submitted paystubs. By the end of XX/XX/XXXX we were told that we are approved and they are just finalizing the process. We last heard from them via email on XX/XX/XXXX saying that they are still finalizing the closing process. We tried calling their contact numbers and sent emails several times without response. Their office phone Operator keeps on saying that the person-in-charge will call us back because the personnel in-charge is still with a client. 
Until now we do not know about the status of the Refinancing process and it is already XX/XX/XXXX. We are concerned that proceeding with the refinancing is no longer cost-effective and that we have spent {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my LAWYER Asap!
Product: Credit reporting or other personal consumer reports

XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX XXXXXXXX XXXX XXXX For The XXXX  XXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.
Product: Mortgage

Attached are 5 documents that require responses from Selene Finance : 1. Selene Finance Tax Form 1099-A - Acquisition or Abandonment of Secured Property - Selene Finance acquired my home on XX/XX/XXXX. I received no notification to show up to court prior to acquisition of my property & Selene Finance ignored XXXX XXXX effective until XX/XX/XXXX. 
2. Mortgage Balance- is my mortgage balance {$180000.00} or {$120000.00} or {$110000.00} or {$100.00}, XXXX as of XX/XX/XXXX? 
3. Property Not Vacant Notification sent to Selene Finance in XXXX ( certified mail/return receipt ). This letter serves as written notification that the property is owner occupied and NOT vacant/abandoned. 
4. XXXX XXXX filed by Selene Finance for repairs I did. 
5. Documents Requested