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

I am submitting a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable information on my credit report. Despite my repeated disputes, they have not properly investigated or removed the incorrect account, violating my rights as a consumer. 
Details of the Account in Question : Details of the Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Revolving Account Type Detail : Secured credit card Balance : {$150.00} Credit Limit : ( Varies between bureaus - discrepancy present ) High Credit : {$500.00} Payment Status : Collection/Chargeoff Last Reported : ( Varies - discrepancy present ) Date Last Active : ( Varies - discrepancy present ) Date of Last Payment : ( Varies - discrepancy present ) Violation : The credit bureau has failed to ensure the accuracy of the reported information and has refused to delete an unverifiable account as required under the FCRA. 
Failure to Comply : As per Section 1681e ( b ) and Section 1681i of the FCRA, credit bureaus are required to maintain accurate reporting and conduct a thorough dispute investigation within 30 days. The bureau in question has failed to uphold these obligations.

Under Section 1681e ( b ) of the FCRA, the credit bureaus are required to ensure the accuracy of reported information. Since the discrepancies violate FCRA regulations, I demand that this account be deleted from my credit report, not merely updated.

As per Section 1681i of the FCRA, there is an obligation to investigate and resolve disputes within 30 days. If this information can not be accurately verified, it must be removed from my credit file immediately. 
I have disputed this account multiple times and requested its complete deletion from my credit report due to inaccuracies and inconsistencies. However, they have yet to take appropriate action. Their failure to remove inaccurate data has negatively impacted my creditworthiness and financial well-being. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold this credit bureau accountable for their failure to comply with federal regulations. Enclosed are supporting documents, including copies of my dispute letters and credit reports, to substantiate my complaint. 
I appreciate your attention to this urgent matter and look forward to your response regarding corrective actions to be taken for their non-compliance. 
Sincerely, XXXX XXXX
Product: Credit card

Starting from XX/XX/XXXXXXXX XXXX  I noticed that XXXX and XXXX have been charging me monthly membership fees, despite never having subscribed to their services. These charges continued until XX/XX/XXXX, when I discovered the issue and immediately reported it to Discover, requesting a dispute for the unauthorized transactions. Unfortunately, Discover sided with the merchants and did not reverse the charges. 

Details : Dates of Charges : From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( monthly ). 
Amount Charged : ( List specific amounts if available ).

Actions Taken : I contacted Discover to dispute the unauthorized transactions, explaining that I never subscribed to these services. 
Despite providing evidence and clarifying that I had no knowledge or consent regarding these charges, Discover supported the merchants and denied my dispute. 
I am seeking a resolution, including a refund for all unauthorized charges from discover companies, as I never subscribed to or authorized these payments.
Product: Mortgage

I had switched XXXX Insurance carriers, provided Freedom with a certificate of insurance and they still are saying they don't have it when it was downloaded to their site by my agent and provided by the carrier as well.
Product: Debt collection

XXXX has multiple accounts for medical-only bills. XXXX of the accounts went to a judgement. I set up payments starting in XX/XX/2016 for {$50.00} every other Friday. When setting this up, I was ensured that all payments would go toward judgement accounts, not others. I called on XX/XX/2016 to inquire about balance, and was concerned it did not match up with my personal records. They sent me a detailed statement. I called back on XX/XX/2016 and spoke with XXXX and found out that there were many discrepancies, including the fact that payment had been applied to other low-balance, non judgement accounts. XXXX, I also pulled my annual credit report and found that account numbers and amounts did not match the records they provided me with. I asked for someone to call me or provide me with written documentation when the payment had been fixed reflecting the amount I paid, but was told that was not possible. XXXX became very irritated and aggressive when I let him know I was concerned by the discrepancies in all my information and would not be making further payments until I knew where my money was going.
Product: Money transfer, virtual currency, or money service

We got phished during our wire transfer to purchase our house. We received an email from our title company advising us of our wiring instructions in the secure XXXX portal. Within hours, I received an email from a person posing as our title officer, who after a brief but logical email correspondence, sent new wiring instructions including a different bank account. I ultimately sent the money to the fraudulent account and upon realizing it the following day, we filed a police report, and notified the bank. An investigator from our bank, XXXX XXXX  XXXX, immediately sent a request to J.P. Morgan Chase to stop and recall the wire. Chase failed to respond. This occurred on XX/XX/2022. An actual investigator with Chase has yet to respond to our complaint and request. Rather, an automated response was sent XXXX weeks after filing the paperwork, where Chase requested that I contact the fraudsters to ask for my money back because it was sent in error. From the law enforcement end, we received back subpoena results showing that our money was still in the Chase account when we filed all appropriate documentation. Had Chase responded in a timely manner, the money could have been frozen and returned. Instead, it appears to have been dispersed to various accounts. We are exploring who's email list could have been hacked because the fraudsters created cloned email accounts posing as individuals who received the same email notification from our title agency who utilized XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY!

15 USC 1681 SECTION 604 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WET WRITTEN AUTHORIZATION CREDIT REPORTING AGENCY THAT THIS COMPLIANT IS ADDRESSED TO CONTINUES TO PARTICIPATE IN FRAUDULENT ACTIVITIES TOWARDS MY CREDIT REPORT ALONG WITH ASSISTING AND ABIDING NOT ONLY FRAUDULENT BUT ILLEGAL COMPANIES WHICH CONTINUE TO REPORT AND DEFAME MY NAME AND PUBLIC RECORDS ALONG WITH DAMAGING MY CREDIT SCORE AFTER MULTIPLE ATTEMPTS OF ASKING FOR PROPER VERIFICATION AND VALIDATION AND TO SEND ME THE CONSUMER A PROOF OF SIGNATURE AND AUTHORIZATION ACCORIDING TO THE FCRPA. AFTER SEND IN MY POLICE REPORT AND MY IDENTITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION THIS COMPANY STILL KNOWINGLY AND WILLFUL INCOMPLIANCE WITH NOT ONLY THE LAW BUT WITH THE FCRPA THIS AGENCY CONTINUES TO SEND FASLEY AND MISLEADING AND INCONGRUENT INFORMATION RELATING TO THE CURRENT INVESTIGATIONS AND DOCUMENTS SENT TO COMPANY AND BEING RECEIVED FROM COMPANY BUT COMPANY CONTINUES TO FALSELY MISLEAD THE CONSUMER FINANCIAL PROTECT BUREAU AS WELL PLEASE SERIOUSLY INVESTIGATE THIS AGENCY AND THEIR WAY OF HANDLING CONSUMERS INFORMATION AND THE FRAUDULENT ACTIVITIES THEY ASSIST ALLOW AND/ OR ABID IN.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and XXXX BANK 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint and am providing a copy of certified letter sent to Experian. I have no knowledge to the below account therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account name as to what right the company has to collect under the fair credit and billing act as it appears on my credit report : XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XX/XX/2022 Account numberXXXX I wish to see the original sources of the information reported including the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card.
Product: Mortgage

21st Mortgage has been harassing both myself and my wife with multiple phone calls daily if we are so much as a day late on our mortgage payment. We have tried to work with them and explain the situation as I recently lost my job, however, they refuse to do anything for us and start to become hostile when we explain we can not pay it yet. We attempted to pay our mortgage payment of {$690.00} that was due on XX/XX/2022 today ( XX/XX/2022 ) and they initially refused payment and got hostile with us regarding our situation. This abuse has just made the situation far worse and the stress from receiving multiple calls a day is awful. They have also lied and said they do not call more than once a day but our phone records prove that this is not true. I have never had another company harass or abuse me this much in my life, and I hope action is taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Prepaid card

I need to be able to put money on the card from the website fom the checking account check number. I should not have to go to the Bank to do this. Or to load amount of money
Product: Credit card or prepaid card

I asked for a {$250.00} increase to my mastercard issued by Capital One which has a {$750.00} limit. This increase would have increased my credit from {$750.00} to {$1000.00}. I received a letter that my request was denied because I only make {$25.00} minimum payments each month This is not true because I make {$100.00} payments each month and have never missed a monthly payment. These {$100.00} payments alone should have qualified me for an increase. Also, the letter stated that my existing credit line has been too high. However this is why I asked for the increase because a {$750.00} limit is insufficient. I am an XXXX-XXXX  female age XXXX with an annual income of {$94000.00} per year from my retirement.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Dear credit bureau, I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Personal Information 1. XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, - The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

I continue to receive written refinance offers from my current loan services NewRez. The offers they are sending are not being honored when I follow the steps in the mailer. The latest offer was to reduce my interest rate from 4.75 % to 2.875 % with the same XXXX remaining term. When I call with my reservation number XXXX they tell me they did not account for the fact that the property is an investment ( non-owner occupied ) and they will not honor the terms of the offer. 

I have received at least 4 offers like this from NewRez in the past 6 months all with the same false advertising. I believe since they own the servicing for my loan and have the parameters on the file ( it was originated as a XXXX property ), they should be held account for their marketing and honor the terms offered.
Product: Credit reporting or other personal consumer reports

I found a number of incorrect personal information on my credit report and I contacted Equifax in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aaccount opened At premier first bank on XXXX under the account number XXXX an auto loan opened at XXXX XXXX auto on XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit XXXXeporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX the email address ( XXXX.
Product: Credit card or prepaid card

I was reported 30 days late XX/XX/2018, due to being hospitalized. I simply could not make the payment before the statement closing date. I called in to inform the bank about this I got not resolve. 

I was also marked as 30 Days late XX/XX/2018 due to hardship. When I tried to apply for a payment solution/help prior to the reporting, I was denied.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX is a fraudulent credit account placed on my report. This account was already removed by the original creditor but bought by a collection agency & placed on my file again. Please remove this asap or further action will be taken. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

15 U.S.C. 1681 c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days. This practically shows that you are in violation of this law because I am a victim of identity theft. 

This account placed on collection by XXXX XXXX XXXX should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b permissible purposes of consumer reports ( 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 accordance with the written instruction of the consumer with whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. Kindly delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I used the US Postal Service to send all three credit bureaus ( XXXX XXXX and Transunion ) letters informing them that they are reporting inaccurate/false information on my credit report. I requested that they verify these inquires and if they do not find any legal proof that I authorized these inquires to please remove them from my credit report. I requested a 30 day response. I never received a 30 day written response back from any of these reporting agencies. On XX/XX/XXXX I sent an follow-up letter again informing these agencies of this false and inaccurate information they continue to report on my credit report. Again, I requested a full investigation and proof be sent to me that I had authorized these inquires. I still have not heard anything back from these agencies and that are still reporting this false information. I have included proof of the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I also attached the letter had notarized on XX/XX/XXXX requesting these items to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for getting a loan with XXXX today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a duplicate information - the same loan is posted more than once by the same lender, it shouldn't be listed as multiple accounts. Please remove the excess lines.. FCRA protects consumers against the misreporting of data on a credit report that includes multiple listings. Equifax and XXXX didn't have procedure in place to ensure accuracy. Mistakes can happen I understand but this one, I couldn't slip away, Please rectify quickly US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX XXXX US DEP ED XXXX
Product: Debt collection

I lived in an apartment building for a little over 1.5 years. I paid a security deposit, and upon moving out was sent a bill for an extraneous amount of repairs to improve the apartment to a condition better than the original state of the apartment I moved into. I consequently contested the claims in writing via certified mail. The property management company sold the debt to a collection agency without a valid claim to the debt owed. Prior to the debt being sold to the collection agency, I wrote to the landlord, within 10 days of receiving the claim, disputing the charges and requesting money back from my security deposit, per Florida statues. I did not hear back, and the debt was sold off to the collection agency. My concern is that this will impact my credit score, and I have been diligent about maintaining it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act 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 an account without my written instructions.

Based on my knowledge I don't owe this creditor.