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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX
Product: Debt collection

I keep getting phone calls for this debt after I told them I have no knowledge of this debt, still requesting money from me and calling
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that a dispute was initiated with Experian. I never asked, signed or submitted any online request specifically asking Experian to verify this account. How could someone do this on my behalf if my Experian account is frozen. Previous activity of identity theft is the reason I placed a security freeze on the 3 major credit bureaus along with the smaller ones. I was told a credit freeze would prevent this type of unauthorized request or inquiries from happening. Now that this request has already been completed without my permission I request the account in question be removed. If you can not remove it even though the request was done illegally I request the following be provided. 

1. Provide the letter or method that authorized Experian to conduct this dispute on my behalf.

2. Provide the method of verification used to verify the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation. 

I have attached a written request for the method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a formal complaint letter on XX/XX/2021 about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. Thank you.
Product: Student loan

I received a notice in the mail marked SECURE and it said I was recently eligible for Loan forgiveness. There were several options listed for what I could be eligible for and I called the number on the letter and gave the representative my eligibility code. I had to call them several times because the call kept getting disconnected. Finally, after hours on the phone, they said I was eligible for the Revised Pay As You Earn program and my monthly payments would go down drastically for the next 10 years or so. The only sensitive information they took was my FSA ID and my bank account and routing number, but I was warned not to give this info to anyone. I asked the person if I could have done this on my own online, and they said no.
Product: Payday loan, title loan, or personal loan

An installment loan was taken out in my name and now Im receiving harassment calls due to unpaid balances. I set up a payment plan to repay the loan and now Im receiving calls that I will be taken to court and sued. This is unfair. Ive set up a payment plan to pay it back.
Product: Payday loan, title loan, or personal loan

Applied for a {$200.00} loan online. I have done this before with other companies with no problem. I was under the impression it would take about 6 months with automatic monthly payments of {$53.00}. The loan started in XXXX so when I saw the sixth payment come out of my bank I went online to check the status of the loan. I was shocked and horrified when I say that payments were scheduled until XXXX. The total amount I was to pay back is over {$1500.00} for a {$200.00} loan? They are charging over 64 % interest. Please help me!
Product: Credit card or prepaid card

I married my husband in XX/XX/XXXX and during the course of our marriage, he did not permit the kids to get the mail and he was very adamant about getting the mail himself. He would hand me my bills, but he was quick to tear up everything. If I saw something with my name on it, I thought it was just some sort of advertisement to open a new card or transfer a card balance, junk mail. Two credit cards were opened in my name : one in XX/XX/XXXX and another inXX/XX/XXXX. We were living together in XXXX and I did not give him permission to open a Citibank card in my name. I did not know about or the one opened in XXXX. Of course, he had access to my personal information. He opened these cards and he had an automatic payment set up from his account to pay the card off monthly or with monthly payments. I was not on that account. I can not be traced to any account charge or receipt signatures. I only knew about these cards when we were getting divorced and a Citibank envelope came to my address in my name. I pulled a credit report and there they were. I called the company reported the above situation. I didn't even know the password and had to have my son 's help, " What was one of your dad 's old dog 's names? '' This was recorded on the call. If I opened the account, I would know something such as that. Of course, I know my social security card number. I now have a XXXX $ balance that is not mine. 
The explanations from Citibank : The card was mailed to your address : BECAUSE WE LIVED TOGETHER Your phone number activated the account : BECAUSE HE HAD ACCESS TO IT Regular payments were made on the account : FROM HIS SOLE CHECKING ACCOUNT THAT DID NOT HAVE MY NAME ON IT, WAS THIS TRACKED TO HIM? YES. 
Your verified contact information is on record with previous communications : THE ONLY TIME I CALLED WAS WHEN I FOUND OUT ABOUT THESE CARDS IN XX/XX/XXXX/XX/XX/XXXX. WHERE ARE THE RECORDINGS THAT I CALLED? WHO IS ON THE PHONE? NOT MY VOICE. 
I was aware of the account and permitted it to continue : I DID NOT KNOW ABOUT THIS ACCOUNT. 

I do not feel Citibank did a thorough ENOUGH investigation nor made an informed decision. It doesn't always have to be a thief on the streets taking your identity or using your GOOD CREDIT. I have never had more than my XXXX Visa credit card and my Credit Union credit card. I have a pattern of only ever having had these two cards for many many years. If his name was pulled, he will have plenty in his name opened and closed. This speaks for itself.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX XXXX that you are reporting in my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like XXXX, XXXX, and Experian, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Product: Debt collection

Continually calls my job 3-4 times a day if Im not reached by phone. Asked to stop calling my phone and job as I do not want to lose my job due to excessive calls
Product: Mortgage

I, XXXX XXXX, have a mortgage with US Bank Home Mortgage loan # XXXX. As long as this agency is involved they pretend to do what is right as soon as you all close the case they are back to their old antics. They have been sitting on {$34000.00} in a restricted escrow account and never told me my interest. Every time I ask for my pay off they come with lies. I sent them {$3000.00} on XX/XX/XXXX from my XXXX XXXX  account. Then I was prepared to send them {$950.00} tomorrow XX/XX/XXXX, they sent me a letter on XX/XX/XXXX and a different letter today XXXX stating something different. I want the American consumers to see how lowdown and dirty US Bank Home Mortgage really are.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Collection Agency Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Dear Sir or Madam : After review of the financial information that SPS has provided to me it appears that SPS was dually tracking my residential mortgage loan while I was working on a loan modification and reviewing their offer for a repayment plan. Not only did they dual track me but they also harmed me financially as they charged the expenses of {$1100.00} to my account. This is a direct violation of the California Homeowner Bill of Rights, Consumer Financial Protection Bureau, RESPA and Truth in Lending statues and laws. 

On XXXX XXXX, XXXX, I submitted a home affordable loan modification application to SPS both via facsimile and email. I experienced a material change in financial circumstances and submitted that change to my " mortgage servicer ''. I never received an acknowledgment of that application nor did I receive any outcome. However, on XXXX XXXX, XXXX SPS charged {$760.00} to my account, paid to XXXX XXXX XXXX XXXX and noted my account with Foreclosure Attorney. 

On XXXX XXXX, XXXX SPS sent me a letter offering a repayment plan. I did not agree with that plan and filed an appeal. SPS gave me until XXXX XXXX, XXXX to respond to their offer. However, SPS ordered and charged to my account a Foreclosure Broker Price Opinion in the amount {$89.00} and on XXXX XXXX, XXXX they charged to my account {$280.00} paid to The XXXX and noted on my account Foreclosure Attorney. 

These were outright illegal lending practices as SPS positioned themselves to foreclose and take my property while in direct violation of the law. 

I am requesting that your office conduct an industry standard investigation into my allegations. Please apply all penalties and sanctions as applicable to State and Federal Law to discontinue this behavior as it clearly demonstrates a pattern and practice of non-compliance, as well as malicious intent. 

Thank you, XXXX XXXX XXXX XXXX Enclosures : Payment History XXXX XXXX XXXX SPS Repayment Plan Letter XXXX Screenshot of Email of HAMP application XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. TransUnion, XXXX, and XXXX refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.
Product: Debt collection

I have talked and talked to both the department of education and its servicer XXXX XXXX about identity theft and even researched it under the defense to not pay on their web site for the department of education and they just keep turning over this in accurate info to credit reporting bureaus like transunion no matter how many times it is disputed and my medical bill dispute I was assured it would be taken care of since I did not ask for a hospital to treat me for services I did not need like signing me up for XXXX I did not ask for and and still get a bill so much for integrity from hospitals both problems disputed and put on my credit report in accurately and used against me, over three times maybe the federal trade commission will stop the abuse
Product: Prepaid card

Fraudulent Charges Report Money Network Account Between XX/XX/XXXX and XXXXXX/XX/XXXXseveral unauthorized transactions were posted to my Money Network account. These charges were made at various locations, and I did not authorize any of them. I just received my Money Network debit card to activate via mail on XX/XX/2024 around XXXXXX/XX/XXXX In order to access my new account, I have to activate my debit card. However, after speaking to Money Network representative, I can not " access my account '' due to it being on hold from fraudalant charges. Below are the details of the fraudulent charges ( date, time, and false charges could slighly vary ) : XX/XX/2024 : {$1800.00} atXX/XX/XXXX{$1000.00} at XX/XX/XXXX {$16.00} at a fast food restaurant XX/XX/2024 : {$500.00} ( merchant unknown ) {$1000.00} ( merchant unknown ) {$35.00} at XXXX XXXX XXXX XX/XX/2024 : {$10.00} at XXXX XX/XX/XXXX( XXXX XXXX ) All of these charges are posted to my account or pending, and I did not authorize any of these transactions. I have not visited these merchants, nor did I make any purchases for the listed amounts. I have no been able to even activate my card or register as a first time user. Therefore, I am unable to access my account. 

Please note that this debit card is a benefit debit card issued for my Paid Family Leave, which I started receiving on XX/XX/2024. I will continue to receive additional funds for XXXX weeks. I am concerned that these fraudulent charges are impacting my benefits and financial security. 

I am requesting immediate investigation and resolution of these fraudulent transactions, and I seek reimbursement for the total amount stolen.
Product: Payday loan, title loan, or personal loan

On Saturday XX/XX/XXXX I applied for a car loan via telephone from the dealership through lendmark financial. The loan agent at lendmark told myself and the dealer that I was preapproved for a loan at 24 %. I took possession of the vehicle, completed the necessary dealership paperwork and made arrangements to go to landmarks office on Monday XX/XX/XXXX. When I arrived at lendmark, they informed me that the loan was now a signature loan and was 32.499 % and there was nothing I could do since I had already taken possession of the vehicle. So I executed the loan paperwork. I have made all payments on time and well in excess of minimum due. On Tuesday XX/XX/XXXX, I received a call from lendmark telling me that since I had been making my payments and was ahead, I qualified to refinance my loan. They asked me if I would like a " cash out '' or lower payment. I responded that I would like a lower rate and I would not accept a " cash out '' or any loan modification that would extend the date of payoff for the existing loan. ( I have 29 payments remaining ) They asked for permission to run my credit and I consented. They said they would call me back. When they called me back, they told me they had gotten me a lower rate and asked me to come in to their office this evening to execute the papers. When I arrived, they made copies of my pay stub, drivers license, insurance card and took pictures of the vehicle then presented me with an offer at the same rate, included multiple insurance plans built in, a {$2800.00} cash out and a payment plan for 48 months and launched into a sales pitch. I interrupted the loan consultant and told him what the discrepancy was between the phone conversations and the offer. He excused himself from the room to " rework the offer ''. When he returned, he presented an offer that was .01 % lower, reduced the monthly minimum by {$17.00}, but added an additional payment to a term of 30 months. I explained the issues and walked out of their office. Lendmark has engaged in bait and switch tactics as well as fraudulent offers/claims. I can provide names of the dealership salesman as well as the lendmark employees if necessary
Product: Student loan

I was charged and then got a message saying that this is a scam after I paid {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has all the wrong address and duplicates address not my address. 
I only have XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are my only legal address other than that Experian needs to prove all other address by deed lease of apartment or loan taking out in my name.
Product: Credit reporting or other personal consumer reports

This is my numeorus requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$8900.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to reflect a payment or a credit issued to me properly. ( 5 ) Computation Error : The creditor 's statement has a computation error or similar accounting error. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX  - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report.
Product: Student loan

I received a letter dated XX/XX/year> from XXXX XXXX XXXX stating that in pursuant to the XXXXXXXX XXXX XXXXXXXX settlement my federal student loans will be discharged. I have contact Mohela my student loan servicer on several occasion in regards to my account and provided Mohela with a copy of the discharged letter. Mohela has stated that my account is approved for discharged under the borrowers defense against repayments, however my account is still reflecting a balance. And when ever I contact them in regards to this balance they would not provide me the details I am requesting. Mohela refer me to other agencies such as XXXX who in turn tells me that they have limited access to my account, I will have to contact Mohela who owns my accounts. When I try to contact Mohela via telephone I unable to reach anyone and when I contact them via email they do not provide me with all the details of my account and refer me. I would like to know the details of my account that is still reflecting administrative forbearance incurring interest, why is my account reflecting a balance when I was approved for the student loan forgiveness. 
Once I make contact a day later my account will reflect a XXXX balance then after a few days/weeks it will reflect a balance again, interest and a payment amount. This is very frustrating going back and forth without being unable to speak with someone in order to get the complete details regarding my account from Mohela.