23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for account listed on my credit report and inquiries on XX/XX/2020. I have not heard anything from Transunion regarding my dispute and I also sent them a demand to comply letter that they have not responded to regarding unverified information being listed on my credit report that damaging my credit score
Product: Debt collection

I received an email today at XXXX from XXXX XXXX XXXX with the subject line " ARREST WARRANT FINAL NOTICE_URGENT ATTENTION ''. The email goes on to day that a lawsuit will be filed against me in the next 24 hours with a District Court in Florida which is not even the state that I reside in FYI. They claimed they have tried to contact me but I have yet to received some official communication in writing via mail. The email also mentions " If we don't receive any response from your side today, your case file will be downloaded automatically against you ''.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of inaccurate information on my credit report and their failure to conduct proper investigations into my disputes, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Inaccurate Information on Credit Report : I have identified multiple collection accounts on my Experian credit report that I do not recognize and have never authorized. These accounts have been removed from my XXXX report but remain on my Experian report. 
Failure to Properly Investigate Disputes : Upon discovering these inaccuracies, I promptly filed disputes with Experian, providing all necessary documentation to support my claims. Despite this, Experian failed to conduct a reasonable investigation and did not remove the inaccurate information.

Relevant Legal Violations : Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. Experian 's failure to properly investigate my disputes violates this provision. 
Connection to Recent CFPB Lawsuit : I am aware that on XX/XX/2025, the CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 

My experience mirrors the allegations in this lawsuit, indicating a broader pattern of non-compliance by Experian.
Product: Mortgage

In XX/XX/XXXX, I advised Chase I had lost my job. I was granted a forebearance for six months. I found a job in XX/XX/XXXX. I applied for loan modifications beginning in XX/XX/XXXX through XX/XX/XXXX. I contacted an attorney in XX/XX/XXXX. In XX/XX/XXXX, Chase advised me they would begin foreclosure proceedings. I filed for Chapter XXXX in XX/XX/XXXX. In papers provided by Chase on XX/XX/XXXX, I was advised {$18000.00} was in arrears. Chase has now doubled that amount. It seems Chase continues to discriminate against minorities, specifically, XXXX and the elderly. They continue to add on costs to inflate these fees. I have been in this house for 20 years, and it seems I owe more than the purchase price. Chase needs to be held accountable for its mortgage practices against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting the removal of all negative accounts, charged off accounts and adverse remarks It is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware all negative remarks found on my consumer report is a violation of the FCRA and the FDCPA whenRemove all charged off and negative accounts and negative information you can not furnish the validity of the remark.
Product: Checking or savings account

XXXX I was an victim of a scam an identity theft after I realized I took the proper channels with overwhelming proof and a police report I was scammed .Navy federal still work recover my money because they say a scam is not XXXX.
Product: Checking or savings account

Being over charaged for overdraft fees/and or NSF check fees on several occasions.
Product: Student loan

I called Navient to change the repayment plan to extended ; instead, Navient told me to sign for auto-debiting. Additionally, this loan was sold//transfered from SallieMae XXXX  to NAVIENT XXXX XXXX XXXX. The replies from Sallie Mae XXXXXXXX and Navient were misleading. Interest rate was increased from 6 % to 11 %.
Product: Credit card or prepaid card

My {$500.00} American Express Business Gift Card was used to make the following purchases with XXXX : XX/XX/20 {$10.00} - XXXX XXXX XX/XX/20 {$20.00} XXXX XXXX XX/XX/20 {$35.00} - XXXX XXXX XX/XX/20 {$420.00} XXXX XXXX These purchases were fraudulently made by others, my gift card has never left my possession and instead of having the full value of the {$500.00}, there is only {$10.00} remaining on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Hotel and travel ) XX/XX/2022 XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX XXXXXXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 XX/XX/2022 XXXX same as others
Product: Credit card or prepaid card

Order a  free trial and paid shipping and handling.  Company has  automatic charges start after 18 days and did not send any new product s. Company th en said the {$110.00} charge they charged us for was for the trial. The advertising says free trial just pay {$4.00} f or S & H. T he company is bogus and has tons of complaints on  Internet.  My credit card company of 20 years will not credit us the charges that we filed as fraud. Citicard managers do not understand they just lost a long term great client to back a bogus money grabbing compan y. Citicard  will not be used in our house again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXX XXXXXXXXBalance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX. Please delete these accounts ASAP. Also, these inquiries are also fraudulent, please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no idea where this debt came from. The collection agency has not mailed me enough information to verify that the debt belongs to me even though I mailed them a certified request. They only mailed me a letter giving me the name of the hospital and amount. They refuse to provide me legitimate proof that this is my bill such as the services provided, the date of service or my signature. I also never given a chance to dispute the debt. I never received letter or phone calls in reference to this debt.
Product: Credit reporting or other personal consumer reports

On XXXX, I called experian trying to get 1 hard iqury off my credit report.this was my 5-6 attempt the inquiry was dated XX/XX/XXXX  and it was not me who made the Inquiry.so I tried on and calling asking them to remove and I think they removed it but they also punished me by putting up a fraud alert now look at the date its almost 2 years old and after 2 years it comes off your report anyway.the Supervisor I talked to was very rude asking me if it was fraud.i told him I don't know very rude man.if some how you guys can get the fraud alert off my record it would be great.he put it on for 1 year that is crazy
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on there. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit card

Synchrony Bank closed my CareCredit account, which had only been open for six months. The reason stated in the letter dated XX/XX/year> from the bank is as follows : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' This statement is false. During the short time I had the account, I used it only a couple of times for small amounts and paid off the entire balances before the due date. 

When I called their support line to inquire about the activity they deemed indicative of high risk, their agents stated that the decision was based on my credit information supplied by XXXX. They instructed me to reach out to XXXX for clarification. 

This claim is also false. During this time, my XXXX credit score increased from XXXX to XXXX. I had no new accounts or inquiries. Additionally, XXXX rates all the key indicators with a high impact on my credit score ( i.e., payment history, credit card use, and derogatory marks ) as excellent. All my accounts are in good standing. 

I requested an investigation into this closure because any activity deemed " risky '' must have been unauthorized, considering my excellent credit history with both the bank and other creditors. 

On XX/XX/year>, I received a letter signed by a Credit Bureau Specialist. The letter stated that, according to their terms, they could close my account at any time and that my payment history may not have necessarily influenced their decision. However, if they are allowed to close accounts without reason, why did they fabricate a false reason, implying that my activities were risky? This is a baseless assertion that they can not substantiate, as all evidence contradicts it. 

The adverse action notice I received was required to comply with the Equal Credit Opportunity Act ( ECOA ). Under this law, the bank must disclose an accurate and specific reason for taking adverse action ( pursuant to 12 CFR 1002.9 ( b ) ( 2 ) and 15 U.S.C. 1691 ( d ) ( 3 ) ). The bank failed to provide an accurate and specific reason, violating this law. Providing a false reason constitutes an unfair and deceptive practice, as well as a poor business practice in general. 

I urge the CFPB to investigate this clear instance of legal noncompliance. Please also consider that CareCredit is not just a credit cardit serves as a vital resource for underprivileged and underinsured individuals like me. Closing such accounts without valid justification can leave people without access to necessary medical treatment, potentially causing harm or forcing them into bankruptcy. This unfair, deceptive, and discriminatory practice exacerbates healthcare inequality in this country, putting individuals at risk of not receiving the care they need. 

Additionally, I am a minority as defined under the Fair Housing and Equal Credit Opportunity Acts ( FECOA ). I believe one of the reasons Synchrony Bank closed my account may be due to my protected characteristics.
Product: Debt collection

Onemain has been contacting me daily in regards to a debt. They have stated in text messages that my vehicle is collateral on the loan, but that is incorrect. The loan is unsecured.
Product: Credit reporting

I paid my credit card bill over the phone in XXXX 2010 with XXXX. The money was never taken out of my checking account and I was never informed either by mail or email or phone that the payment did not go through. In addition, they had my incorrect phone number ( Current number XXXX ) and my incorrect mailing address which was updated the last few days after I found out they reported my payment late. I have never missed a payment in over XXXX years and this is an error on their part. I am asking you to request to them to remove this late payment from the XXXX major credit reporting agencies.
Product: Mortgage

I have been attempting for nearly two years to establish a plan with my mortgage company to end payment on my mortgage. I initially applied for and received approval for a loan re-modification. After paying on this for a couple of months, I decided to move forward with a non-retention plan, a short sale of the property.

I obtained the help of a real estate agent. An offer was made on the house and I completed all the required paperwork. The mortgage company never offered a response until we contacted them and were told that the offer was not sufficient. My agent spoke to the company numerous times to finally get specific answers on what was needed.

She listed the property, took pictures of the home, showed it to a dozen investors and had an offer made for over {$90000.00}. My current pay off was roughly {$120000.00}.

After 30 days passed, with no response, she reached out to the company and was told that it had not been approved because I had not completely a hardship application. I have completed this form and all provided all the supporting documentation at least four times.

Nonetheless, I did it again. I received a notification that there were corrections needed in my information. I called to find out what i needed to do and was told that the short sale was no longer an option and I could only apply for a loan modification at this time.

I have spoken to numerous representatives countless time and never gotten the same answer to any question or issue twice. My agent and I could call on the same day and get two different responses.

Throughout this extended process, the mortgage company has rarely contacted me regarding any information needed, always waiting until i contact them.

Meanwhile, I get two - three letters a week from them with different information on each one.

I feel like this entire process has been a huge run around.

I am very close to giving up and allowing it to go to foreclosure.

I am totally frustrated and confused as to why the mortgage company would reject an offer that would pay off 75 % of the remaining loan and take the property off their hands.

I feel that I have made every reasonable effort and beyond to come up with an agreeable solution to my mortgage issue.

I failed to mention that the reason I left the home and want to get out of the mortgage is that I left my husband and am now paying rent on an apartment. My ex-husband has remained in the house without paying anything toward the property. In addition to paying my own living expenses a large portion of my income is paid to him in spousal support as he is unemployed and applying for XXXX.

The company I have been dealing with is Select Portfolio Services.

I have written to their ombudsmen, but have not gotten a response at this time.

SPS has been terrible regarding communication and seem to have no desire to settle this issue.

Thank you for your support
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX & XXXX with lots of inquiries. This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account credit card I have requested for all late payments to be remove since XXXX of XXXX. 
i was hospitalized due to covid on the ventilator and wasnt able to work, I have over XXXX late payments reporting since XXXX of XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX $ monthly
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was a victim of auto theft. Inside the vehicle was my purse/wallet with my drivers license, money, credit cards, cell phone and other valuables. The thief used my credit cards, bank cards, opened accounts in my name. I tried over and over to resolve the matter as quickly as possible, but since my phone was also in the vehicle I had to call my credit companies from a friends phone and they could not verify me, treated me more like the criminal than the victim. I was able to put a freeze on my Experian file in XX/XX/XXXX, which only lasted a total of ONE year. I also filed a police report on the night of the mishap ( XXXX XXXX ). Being overwhelmed with losing my vehicle, unable to work and trying to get the creditors to help me shut down the accounts I was unsuccessful and I went into a XXXX XXXX. Thinking that it would all just go away. But unfortunately it did not go away. During the pandemic I was living with someone who provided all bills so I never thought to check my credit and I never thought someone would be so evil to continue to use my identity until recently XX/XX/XXXX I decided to pull my credit ( about to start a non-profit business ) and noticed all the things on my credit that I did not do were still there and extra items. I reached out to the local police department asking if they still had a copy of my report from XXXX. They submitted to me and I submitted it to ALL 3 credit Bureaus, Experian Fraud department reached out to me and offered a 7 year fraud alert on my account. Some of the items were removed, but I am still having complications with creditors removing information I have asked over and over in XXXX and XXXX. And not only are they not removing the reports they are reporting inaccurately saying the accounts were 120 days late for 3 months or they are reporting on one Bureau the accounts are closed and paid and on other Bureaus the are reporting the same account as a charge off. And using a different name reporting 2 times same information on my report. Another company removed the information from one Bureau but reopened it on another Bureau. I am tired of going in circles with these people its been 5 years already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon! 
In XX/XX/2017 capital one bank closed my checking account and send me a check with my left funds to the address they had on file. 
I was in XXXX  at the time and could not know about that and could not see the check. Upon asking the bank to provide me the information about my funds they told me the check was cashed by a person of XXXX XXXX XXXX somewhere in Massachusetts in XX/XX/2017. 
They ( Capital one ) sent me the check that it was charged but they could not find the person who deposited it. 
I went to XXXX XXXX XXXX  but they told me they need more information regarding this check to find out the customer who would do it, but capital one could not provide me more information. 
Please solve my inquiry as I truly never had a chance to get my funds back and being XXXX and single I need money ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( 3 ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. XXXX, XXXX XXXX Transunion reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports. 

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies. 
Per standards of FCRA and Metro2 Compliance anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as Charge Offs and late payments as paid as agreed immediately.

With the latest news of the misrepresentation of information being incorrectly reported by both XXXX and XXXX with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never got a account with The creditor and stablish credit with or card or i was bill for it However, i was found out that a 3rd party collection company reported me late with a balance of {$97.00} Jeopardizing my ability to obtain credit somewhere else This a real violation of my consumer rights and fair credit act I called XXXX on XX/XX/XXXX @ XXXX and spoke with credit representative XXXX XXXX Who confirmed that I never had any credit or nay relationship with the creditor And even had different address shown on their data base confirming that person was NOT me Rep recommended to have a direct dispute with the 3rd party agency since the account was wrongfully Charged off
Product: Credit card or prepaid card

After my card was charged for a unauthorized transaction I attempted to call netspend to dispute charges and was treated with unprofessional and unethical customer service. It was highly unsatisfactory and I have yet to receive any response or resolution. My account has been locked and I have been requesting to speak with a supervisor and was hung up on several times