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

I am writing to formally file a complaint against Experian regarding its failure to properly investigate multiple disputes I have submitted related to inaccuracies in my credit report, as required under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX. 
Despite my repeated attempts to communicate and provide evidence supporting my claims, Experian has consistently responded within XXXX hours stating that the accounts in question are accurate. These responses lacked sufficient evidence of a thorough investigation into my disputes, thereby failing to comply with the FCRAs mandate for reasonable investigations. 
In addition to violating the FCRA, I believe that Experian 's practices may contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This issue has been underscored by the CFPB in recent administrative proceedings, which scrutinize the adequacy of investigations conducted by consumer reporting agencies. 

These are the following accounts XXXX XXXX XXXX ( reported twice on credit report ) XXXX XXXX XXXXXXXX XXXX  ( reported twice on credit report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Called Synchrony Bank XXXX XXXX Acct to request cr line increase. Spoke w Agent overseas in XXXX, told me it would be a soft inquiry. my limit was XXXX. He told me my request to increase to XXXX was denied. I received notification from XXXX XXXX my credit score with XXXX dropped 41 points as my limit was requested to be decreased to {$1300.00}.
Product: Consumer Loan

Harley Davidson is calling the office for debt collection of an employee that has not been here for over 2 years. When I return there call and try to explain they inform me that they ca n't remove the office number because we do n't have an account number. I do n't know which ex-employee they are calling about so we ca n't get them to stop calling. No name, no information so the calls keep coming multiple times a day and it interferes with us doing our work and we are a XXXX that needs to work with the residents, not get tied up with a debt collection of someone who has not worked here for at least a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.
Product: Mortgage

In XX/XX/2020 I experienced water damage due to a botched roof replacement. The damage incurred totaled roughly {$65000.00}. Above the {$20000.00} threshold, all insurance payments are co-signed between homeowner and mortgage lender per loan servicing policy. My lender is PennyMac. Since day one of this water damage situation, I have asked to see my online account ( via insuranceclaimcheck.com ) or related documentation about these insurance funds managed by PennyMac. They have denied access to the online portal and have not produced routine monthly statements of any kind related to these funds kept in escrow. This seems to be a violation of the Code of Federal Regulations : Title 12 - Banks and Banking Chapter X - BUREAU OF CONSUMER FINANCIAL PROTECTION Part 1026 - TRUTH IN LENDING ( REGULATION Z ) Subpart E - Special Rules for Certain Home Mortgage Transactions Section 1026.41 - Periodic statements for residential mortgage loans. 

I have no way to track deposits, disbursements, or balances related to my insurance payout and this is in violation of their loan servicing agreement with RD/RHS loans. I have asked a number of times ( more than 10 ) on phone calls and have 2 written letters requesting the same info. I am able to log in to an online portal set up for this function, however, a pop-up blocks my access and I'm told to call their loss draft department for info. When I inquire about lack of access I'm told " this is an account that requires special handling '' or " this is a monitored loan ''. There is still no basis as to WHY I am denied access or other documentation other than this.

Likewise, other reporting information is inaccurate on my monthly mortgage documents ( eg : current LTV percentage, PMI vs annual fee in proper reporting fields ) they have refused to update their record-keeping to keep details organized and accurate.

I keep tidy files and would like my mortgage company to do the same to ensure my figures match theirs.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Transunion and Experian on XXXX XXXX XXXX after receiving a credit alert notification of a derogatory item being reported on my TransUnion and Experian credit report. 
Transunion and Experian are reporting inaccurate information that my XX/XX/XXXX payment status is " 30 days late ''. 
The account is with XXXX XXXXXXXX ACCOUNT # XXXX. Transunion and Experian are reporting the XX/XX/XXXX payment status as " OK '', however, Transunion and Experian also report the last payment date was XXXX XXXX, XXXX. There were not even 30 days in XX/XX/XXXX to have been 30 days late, in addition to the account already being paid in full XX/XX/XXXX. 

After contacting Transuion and Experian, I was told to file an online dispute.

In the dispute submitted to Transunion and Experian on XXXX XXXX XXXX, I included proof of the XXXX XXXX account being paid off in full on XX/XX/XXXX. Transunion and Experian responded to the dispute as " accurate and verified ''. Transunion and Experian are still reporting inaccurately by reporting XX/XX/XXXX as 30 days late. 

I have been denied credit by two companies on XX/XX/XXXX and XX/XX/XXXX, due to Transunion and Experian reporting this inaccurate information. I will include the denial letters. Both denials state the first reason for the denial was based on recent delinquent reporting on my credit report.

My credit payment history is excellent and has been for many years. Transunion and Experian 's inaccurate reporting is causing me unnecessary hardship and undue stress.

Please have Transunion and Experian report this account as " Ok '' current, or remove the inaccurate reporting of 30 days late.
Product: Mortgage

CFPB, My girlfriend and I had purchased a home back in XXXX XXXX from XXXX XXXX XXXX. We had selected to finance with XXXX XXXX XXXX XXXX and go with the escrow account option. Both of us are co-owners of the home and our names were both added to the loan account. For XXXX, our taxes were properly taken care of by XXXX XXXX XXXX XXXX without any outstanding or delinquent tax balances. Around XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX had sold our loan to Flagstar Bank. Throughout XXXX we continued to pay our monthly mortgage ( principal + interest + escrow ) in a timely manner, without missing a single payment. Flagstar Bank paid the taxes for both the XXXX XXXX XXXX XXXX {$1500.00} on XXXX/XXXX/XXXX ) and XXXX ( {$820.00} on XXXX ) taxes at the end of the year. There was a tax surplus in the escrow account and I was cut a check for {$3500.00} on XXXX. Starting around XXXX XXXX, my girlfriend started receiving letters from both the XXXX XXXX County tax collector and attorneys harassing her to pay delinquent taxes from XXXX. Concerned, I gave the FlagstaXXXX Bank tax department a call to confirm that all XXXX taxes were paid for. They re-assured me that all taxes were taken care of for both my girlfriend and me. With that said, we rest assured thinking that everything was okay. However, we continued to receive letters each month, reminding us that my girlfriend still owes a total of {$2200.00} XXXX {$630.00} + {$1600.00} ), XXXX and XXXX XXXX taxes respectively. Today ( XXXX ), I called Flagstar Bank again and they re-assured me that all taxes for XXXX were paid for. Immediately after the call, I started reviewing the letters thoroughly again. I jumped back in forth from the XXXX XXXX County tax website to my Flagstar Bank online loan account. I noticed that both my girlfriend and I have TWO separate tax accounts for XXXX XXXX County. I checked my online mortgage account on the Flagstar Bank website and I found that only my tax account number was present but not my girlfriends yet both our names are under the same mortgage loan. I am not sure what exactly happened but it would appeared that Flagstar Bank did n't include my girlfriend 's tax account on the same mortgage loan account, resulting in only the tax amount of {$2400.00} paid for XXXX and the {$2200.00} amount still unpaid under her tax account. Please help us resolve this issue, as we did our part in paying the monthly mortgage every month on time. The responsibility was in Flagstar Bank 's court to correctly disburse tax payments to cover both my girlfriend and me. Now we are suffering the repercussions of her taxes being delinquent because our mortgage account was n't correctly configured to include both our tax accounts. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Court Statement on Credit Report To Whom It May Concern : I am writing to dispute a statement that has appeared on my credit report from the United States Bankruptcy Court. The statement reads : " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records. '' While bankruptcy filings may be publicly available records, including this statement on my credit report violates my rights to privacy under the Fair Credit Reporting Act ( FCRA ). 

The FCRA prohibits the inclusion of information on a consumer credit report that does not bear directly upon the consumer 's creditworthiness or credit standing. 15 U.S. Code 1681c specifically states that consumer reporting agencies may not disclose bankruptcy case records after 10 years, as they are no longer relevant to credit decisions. 
Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that bankruptcy public records should be treated as confidential and limits their disclosure.

By including this statement referring to bankruptcy records on my credit report, it implies negative information about my financial situation that is not directly relevant to my current creditworthiness. This violates my privacy rights under the FCRA and the Bankruptcy Act.

I am formally requesting that this statement be immediately removed from my credit report, as it discloses information prohibited under federal law. Please confirm in writing once this has been corrected.

Thank you for your prompt attention to correcting my credit report in compliance with the Fair Credit Reporting Act and the Bankruptcy Act.
Product: Checking or savings account

I discovered a fraudulent check had been deposited into my Bank of America checking account when I noticed an unexpected change in my account balance. I contacted the bank branch for assistance, but I was told there was nothing they could do, and that I would lose any money I had already in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

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
Product: Student loan

During XXXX, I applied for Borrower Defense on some of my loans, on the application I specifically opted out of forbearance, as I want to keep paying my loans ( as I have done all throughout the Covid related pause ). 
On XX/XX/23 I got noticed I was moved to forbearance and after a XXXX hold with Mohela XXXX I was told it was due to borrowers defense, they apologized, and said my account would be updated. 
That following week, I was moved back into repayment. However, on XX/XX/23 I went back into my account and noticed I was moved back into forbearance, which I again never asked for. I called on XX/XX/23 and after XXXX hold was told I would be transferred.. after another XXXX, I had to disconnect. And this time when I called back, I received an automated message indicating they were too busy to take calls. 
I finally got through to Mohela again on XX/XX/23 and was advised they would submit my request to remove my forbearance ; that the request would take XXXX days. It has been over XXXX business days with no change on my account and now I have to sit on hold all over again. When I called XX/XX/23, the automated line indicated I have a XXXX wait time and can receive a call back. When I selected this option, it put me on hold anyways ; I can not sit on hold for over an hour, especially for a problem that should have never happened in the first place. 
So now I have to manually make payments, because my account is in forbearance and by not being able to have automatic payments, I am missing out on the 0.25 % interest rate decrease that I am warranted, because Mohela has me in a status I have very specifically opted out of.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that still, the account was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balanced Owed : {$0.00}
Product: Debt collection

I participated in a XXXX XXXX XXXX and I was not obligated to pay the XXXX. Due to the unit having XXXX  XXXX XXXX XXXX did not pay rent which is apart of their contract. Once the XXXX  was treated they continue to pay the rent. When they failed inspection they did not respond promptly and XXXX placed the apartment under abatement. They did not apply for a an inspection for XXXX months. Once they did and fixed the XXXX  XXXX begin to pay the portion of the rent. I have attached that my portion {$330.00}
Product: Student loan

I originally obtained the student loan with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I call myself consollidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$10000.00} with an 4 % interest rate. I did n't know that the {$1000.00} loan of 8 % would bring my {$10000.00} loan of 4 % up the 8 %. That caused me to have a {$11000.00} loan with an 8 % interest rate. I filed a complaint with you all on XXXX XXXX stating that XXXX XXXX should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. XXXX XXXX only transferred or sold my loans to Navient. Now Navient is the loan company who ruinded my credit because mh loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it.
Product: Credit card

I just noticed that each month on the Care Credit card statement there is a charge of {$160.00} for XXXX XXXX. I asked the card company what this was and they said it was an optional service that was offered by another company. They gave me the telephone number to call. I spoke with a representative, XXXX, who said that this service was initiated when we first applied for the card and it was approved electronically. I requested that proof of this application for this service be supplied and she said she could not email it, that it will be mailed in XXXX business days. When I asked what we should do if we don't get it she said to call back and request again. I demanded that this service be immediately terminated as it was not authorized. She continued to say that it was a part of the application submitted. There is no way that we would have signed up for this and everything I have read shows that it is a deceptive practice imbedded in the application that many people fall prey to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to XXXX, Transunion, and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.
Product: Mortgage

Cardinal Financial / XXXX engages in deceptive business practices. During the closing process, Cardinal Financial attempted to raise my monthly payment by over {$50.00} per month. Then Cardinal Financial delayed my closing by two weeks and asked me to pay for the privilege of their delay. They attempt to draw out the process and trick unwitting consumers into paying the fees caused by their delay. Even more egregiously, the fees are to continue to lock the originally offered interest rate. Rates have gone down since my application. Not only are they trying to require me to pay fees, they are trying to do so in order to receive a higher interest rate than I otherwise would have. 

I would avoid Cardinal Financial / XXXX. I read the reviews like mine before I continued through their application process, but continued to pursue them as a funding option. That was a mistake.
Product: Credit card or prepaid card

XXXX by Goldman Sachs has charged me interest even though I made payments in full on time. Rather than time stamping the receipt of my payments by check, they claim I have been late because they take a long time to actually post the payment... claiming the time lag is MY fault.
Product: Credit card

On XXXX/XXXX/16, I called the XXXX XXXX credit card company ( XXXX ) to let them know that I was not going to allow an authorized user ( XXXX XXXX ) to make any further purchases on my account. I was assured that she would be taken off and I would have no issues. on XX/XX/XXXX, I entered into my XXXX XXXX account to review it. I saw that there were XXXX rather large charges ( totally over {$1400.00} - XXXX including {$1000.00} in a gift card and another charge over {$200.00} made in XXXX XXXX ) assessed to my account. I immediately called them to dispute these charges as I had a XXXX balance on the account before these charges. I was directed to their fraud department and sent a subsequent report to fill out. I was told that the result could take 90 days. During this time, I received several harassing phone calls from them to pay my bill ... .I told them that the fraud dept told me that I was not to pay anything, nor would any interest be charged. until their investigation was complete. Today, I received their results ... ..I was not going to receive the proper credits because, in their words, " customer benefitted from the use of card/participated in the purchases. '' This was NOT possible as I was not even in the city of the store when they were made! In reviewing my on line account again today, I see that the purchase made in XXXX XXXX was indeed credited ... ... how, then, are they ignoring the other XXXX? I did not authorize any of them and, as stated, did not travel to XXXX XXXX, nor was I in the vicinity of the store where the purchases were made!
Product: Debt collection

disputed debt from debt collector ( Perfection collection) and XXXX XXXX. sent letters to debt collectors on XXXX XXXX, 2017 asking for validation of debt. have not received any response back. I do not and have never had a contract with perfection collection or XXXX XXXX. the debt is not mine and its unverifiable. please delete and remove from all three credit bureau reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I led 2 separate police reports. These are the report numbers ; XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I did not give any authority to anyone. I do not recognize them. They are being reported by a third party. There are several collections on all 3 of my credit profiles. I filed an identity theft report and asked each credit bureau to remove the information. They did not. Please remove these accounts from my report. They are hurting my ability to obtain credit.

There is also wrong information regarding where I live on all 3 of my credit reports. Please remove the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. My residence needs to be listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX