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

I am filing a complaint against Experian for failing to address multiple unauthorized and inaccurate entries on my credit report. Despite XXXX 's thorough investigation and removal of these items, Experian has continued to report the following unauthorized accounts and an inaccurate late payment : 1. **Unauthorized Accounts** : - XXXX XXXX, Account number : XXXX - XXXXXXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX. **Inaccurate Late Payment** : - XXXX XXXX XXXX Account number : XXXX I have previously sent dispute letters to Experian, yet my disputes were marked as " verified '' without a proper investigation or notification of the verification method. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation of disputes. Furthermore, Experian has failed to provide the method of verification as required by FCRA - 15 U.S.C. 1681i ( a ) ( 7 ). 

Experian 's negligence also breaches the requirements under FCRA - 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, the continued reporting of inaccurate information from XXXX XXXX XXXX violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which mandates accurate billing and correction of errors. 

Despite providing substantial evidence and XXXX removing the disputed items, Experian continues to report these inaccuracies, causing significant damage to my creditworthiness and financial standing. This negligence has resulted in emotional distress and potential financial losses due to higher interest rates and denial of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my my XXXX XXXX dispute and second complaint against Transunion Credit Bureau with Cfpb to remove this bankruptcy that is reporting on my credit file that does not belong to me. They have verified it as factual which is not factual because the Bankruptcy court has sent me a letter which I sent them and Cfpb stating they do not report my information to Transunion so they are violating my right as a consumer under the Fair Credit Act. I have already had this Bankruptcy removed off of XXXX and XXXX because they were not able to verify this account belongs to me just as Transunion can not verify this and has not furnished proof that they did verify this account belongs to me which they are suppose to do by law. I am demanding that Transunion remove this Bankruptcy off my credit report immediately or my next step of action is I am going to file a lawsuit against them.
Product: Credit card or prepaid card

This complaint is in reference to Comenity Capital Bank located in XXXX, Ohio. It is the bank adminstering the credit card of XXXX XXXX. In the fall I made a purchase and was offered a discount based upon acceptance of their credit card. I agreed to get the card. The total purchase was {$56.00}. The next billing statement I got assessed a {$34.00} interest charge because I was a couple of days late making the payment. This amounted to interest in excess of XXXX XXXX  of the original charge. I called to protest the interest. The next month I received a bill for {$70.00} which they claimed was XXXX interest charges ( XXXX times {$34.00} is {$68.00} ). I called to cancel the card. I told them I objected to the excessive interest. They started making harrassing calls to my cell phone sometimes several times in one day. They told me that I owed them the {$70.00} for the XXXX months and that they would continue to add interest charges to their billing every month. I sent them a check for {$70.00} which they cashed on XX/XX/ 2023. In the interim they sent a complaint to all the credit rating agencies. To my knowledge this has not been corrected. My complaint is regarding the outrageous interest they are charging, filing a complaint about me with the credit agencies, their failure to correct their complaint and their heavy handed approach to collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, also XXXX XXXX, talked on phone at length, went TransUnion, XXXX, XXXX, disputed all, companies gave me trouble, XXXX XXXX I have hard inquiries I'm not sure what is going on, I've been working hard to not mess up credit. Facts I went to XXXX in XXXX got out 3 days ago my phone was taken from police never returned all info identification was in it I need this stuff removed I'm now clean and ready to build good credit please help, all I get from anyone is it's verified well no it's not. Thanks God bless us all.
Product: Credit card or prepaid card

The account has been settled since 2014 and is still affecting my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2024. I transferred {$800.00} from my USAA checking account ending in XXXX to Bank  account # XXXX ; Routing # XXXX - XXXX XXXX  under the name of XXXX XXXX XXXX, my mother. Minutes later my mom informed me she had closed that account some months ago. I immediately called my bank USAA to look into this matter. USAA assured me that since the account was closed that the {$800.00} would be returned to my account within XXXX weeks. XXXX months later USAA informed me that the money had not been returned and they had no idea what happened to my money. I provided USAA a XXXX digit trace number from XXXX XXXX verging the {$800.00} was returned to my USAA account on XXXX XXXX 2024. As of XXXX XXXX  2024, USAA closed their inquiry advising me the money has not been returned and no idea whats the money is? 
My mom did not received the money since XXXX XXXX  told her the account was closed and the {$800.00} was returned to my USAA account to which XXXXXXXX XXXX provided the XXXX trace number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, XXXX and Equifax to update my personal information over and over.
Product: Debt collection

The apartment I rented charged me {$300.00} of trash dumping fees that I believe is wrong. I did not dump anything when I left. I have requested surveillance footage proof of me dumping furniture in the dumpster, as well as an itemized bill for the trash dumping. This is information the apartment management has previously claimed they have, but none of which they were able to provide in the 5+ times that I contacted them in the past, neither did the collection agency. Additionally, I requested that the debt not be reported to credit reporting agencies until the matter is resolved but they didn't agree to it. The debt was originally reported to me on XX/XX/2023.
Product: Mortgage

I mailed via USPS my XX/XX/XXXXmortgage payment to Amerihome. This was mailed XXXX day priority mail with tracking on XX/XX/2021. My tracking is showing the mail was delivered and received on XX/XX/2021. I went online to Amerihome 's online website to see if my XX/XX/XXXX mortgage had posted. It had not. 
I called Amerihome 's office and they stated they could not find my payment and for me to submit receipts from USPS and any copies of the check mailed and they would investigate. I asked Amerihome how long will this take and they stated 30 days.

My initial complaint regarding Amerihome was for my XXXX and XXXX payment which was paid online and ontime. They reversed those payments stating I must have missed a number while entering my checking account online. Even though I called and provided them the number to submit the payment multiple times. I have already submitted that claim to CFPB. 

Now the new issue is my XXXX payment. I mailed 2 weeks in advance and priority delivery and Amerihome can not find the payment ever made it to their office even though USPS stated it was delivered. The payment has not been cashed. 

If I can not make a payment online without issues, if I can not mail a payment to Amerihome without issues, how am I supposed to pay my mortgage. There is a serious problem with Amerihome and CFPB needs to investigate. 

I need to know where my mortgage payment is and why it hasn't posted to my account
Product: Debt collection

I was brought to my attention I have a lawsuit filed against me. I started receiving letters in the mail about representing me from a debt collection. I looked it up on court cases searches and there was a case filed. I have emailed company three times now requesting the below and copied the court house.

1. For what do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for this, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred as well as original contracts between you, whom ever else, and myself.

2. Please provide a valid basis for the debt, such as the original contract between me and creditor. Tell me the date the debt became delinquent and the date the last payment was made.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Does your agency have a debt collection license in Texas? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why.

6. Additionally Please disclose all information regarding this lawsuit and all communications regarding this. Including legal evidence that you own and can legally collect whatever is being alleged. 

I requested this information so that I can make an informed decision on whether this could be something legit or if perhaps missed/mishandled/ miscommunicated. I will need your response to make that decision on whats going on and how to move forward with this matter. 

Please treat this as being in dispute. I look forward to your response. Thank you for your cooperation. 

I emailed on the following dates : XX/XX/24, XX/XX/24, and XX/XX/24. ugh I Llc has not responded to my communications. Additionally They are not on my credit report and I have checked all three. I am at a loss and need help. This should be illegal and against the law if it is not.
Product: Mortgage

With the current coronavirus situation in the country many people like myself are facing the fact that we are not able to work and are able to continue making the money we make to pay our bills Timely. I contacted my mortgage servicer - MR COOPER ( formerly Nationstar Mortgage ) - to find out options about deferring payments until I am able to go back to work since I have been laid off. my car loan company as well as my credit card companies have helped me with this problem. However my mortgage company is not allowing us to defer any payments the only option they give us is forbearance where they will allow me to miss 3 months of payments but on the 4th month I have to pay the current payment as well as the total of the 3 months that I missed. In other words I can miss 3 payments and when the 4th payment is due I have to pay FOUR payments in total that month or I risk losing my house and go in default. If I am laid off and can not make one payment what in the world makes them think that I can pay 4 payments at once?!! This is unfair practice and sets me up to lose my home. These situations in the country are out of my control.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made with XXXX XXXX XXXX  The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states ; 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.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Inaccurate Address )
Product: Checking or savings account

In XXXX  I tried to open a bank account at XXXX XXXX  and at the end of the application the representative tells me that I have a problem with Bank Of Amrica and that I should call Bank Of Amrica to solve that problem, I immediately asked I tried to communicate with Bank Of Amrica and when I spoke with one of their representatives, the only thing they told me was that I could not have an account with them for a duration of 6 years, I asked them to explain the reason and why I can not open an account with Bank Of America within 6 years and they responded by telling me that my account was involved in fraud, but I responded by saying that how can my account be in fraud if I stop using it since I finished working for the XXXX XXXX XXXX XXXX  team I stopped using my Bank Of America debit card because at that time I was no longer working and I was not going to need it, because the only thing I used it for was to receive my payments and withdraw the money, please I want to clarify that I have no idea what they are telling me and I want you to please correct that error because I have tried to open another bank account with XXXX XXXX 's but they tell me about the same problem I have with Bank Of America and I want you to please solve that problem as soon as possible. Thank you!
Product: Debt collection

Crown Asset Management LLC sent me a debt collection letter approximately in XX/XX/XXXX with no account number or amount number or any information about to whom this debt is owed to. Sent Crown Management a debt validation letter approximately on or about XXXX asking for debt validation. I called the company to find out more information and the person hung up on me. I followed up with a second request for debt validation letter. In retaliation, this company files a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Chicago, Il without ever validating the debt. This company also lied to the courts stating I was served with court papers and I never was. I was never properly notified, I only find out about this debt and lawsuit due to consumer debt lawyers contacting me about a lawsuit filed against me, that is how I found out about the lawsuit. Crown Asset management did not provide adequate proof that this debt is theirs and I did find out who the original creditor is and there is at least 5 other creditors trying to collect on the same debt. The original creditor did provide me with the correct name of their debt collector and it is not Crown Asset Management LLC, they have fraudently filed a lawsuit against me.
Product: Debt collection

I XXXX XXXX am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of CK PRIME INVESTMENTS LLC.This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Vehicle loan or lease

I believe my bank didnt apply any of my XXXX insurance benefits I had originally purchased when buying vehicle back in XXXX I was misled and harassed constantly when not able to work and pay my loan when all along I had XXXX insurance on vehicle and wasnt told so. I had to borrow and find ways to pay for truck loan to not have it repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have association, credit, or loans with this creditor. This was not approved and or authorized. 

WEIMARK Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Student loan

On ( XX/XX/23 ) XXXXXXXX XXXX, My client received a call from an agent at Sallie Mae. The agent spoke to my client as if this wasn't there first time on the phone, which caught my client completely off-guard, at which he started to assume the call was a prank/joke. As per my client, the agent went as far to say that, " we spoke earlier this month, you are the cosigner on the loan ''. Around this point in the conversation, my client ended the phone call, as he came to realize the call wasn't a joke and much more serious than he originally thought. 

As soon there call was over my client called me, asking " Who's Sallie Mae and how am I a cosigner on your loan? '' I was at a loss for words. I had just spoke with them two weeks ago. So, I immediately hung up the phone to call Sallie Mae to figure out how they got the number and why they chose to call them. 

The first agent I spoke ( XXXX ) couldn't give me an answer as to why she called my client, nor how, saying, " I don't know how we got the number ''. I was then transferred to her manager XXXX XXXX XXXX, who told me the same thing " I don't know '' and then transferred to the supervisor ( XXXX XXXX, who told me it was a " skip tracer call '' which are only permitted at " 60 days of no communication ''. 

I am very concerned about my privacy. Thankfully it was my client who picked up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX Barclays Billing Disputes XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XXXX XXXX at XXXX EST, I called Barclays and canceled XXXX Barclays CC ending XXXX XXXX. I told the representative that I did NOT want another Barclays Credit Card. The only charge that the card was used for was my Wyndham Maintenance Fees, and those had been taken off of autopay, so I no longer needed the card. 



In XXXX, I received notice that a new card ending in XXXX had been issued, and that Wyndham was putting charges on it. I disputed this by writing a letter to Barclays on XX/XX/2022. 



On XX/XX/2022, I received stating that a new card has been issued ending in XXXX. 



I did not apply or authorize the last XXXX cards ending in XXXX or XXXX. I did not authorize any payments to be made to either of these cards. 



By copy the complaint filed online to the Consumer Finance Protection Bureau and letter to Barclays. I am formally stating that Wyndham and Barclays are performing fraudulent finance practices. 





XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a rental apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX, Tennessee XXXX ( XXXX ) XXXX on XX/XX/XXXX, 2017 and was immediately denied. When I contacted XXXX XXXX XXXX, they told me they had no control over the matter and directed me to CoreLogic and their number is XXXX. I contacted CoreLogic and they told me there was a criminal record and I would have to dispute it and they could not provide me with any more information. I immediately disputed the issue and I have also faxed a copy of the dispute to Core Logic. When I contact them now, they say no information can be provided. This needs to be cleared up immediately. I have never had any criminal record and I have recently been cleared under a TBI and FBI background check for the XXXX XXXX I have taken with the  XXXX XXXX XXXX. This is obviously incorrect and this CoreLogic company and XXXX XXXX XXXX are using information against me that is libel information and I intend to pursue this until it is cleared up. Kind Regards,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXXXXXX XXXX Date of Inquiry : XX/XX/ 2Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX