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

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Student loan

I have been paying my Federal student loan to XXXX since XX/XX/2016. Recently, the changed names to XXXX. When I try to log into XXXX, the website says it is unavailable. When I try to call customer service or send an electronic message, it requires my social security number which the automatic system says is not in their system. The phones will not let me through to someone until I put in a social security number that it recognizes. I have no idea what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I spoke with a few agents up to manager level named XXXX, XXXX, and I was told that the error with my credit score can not be fixed, and that I could not escalate it to be investigated. It is automatically populate it, and there is no adjustment that can be made. 
In XX/XX/XXXX it is showing a decline in my credit report of almost XXXX points. I pay a monthly monitoring subscription however, there was no notification sent in the month of XXXX and looking into my history there was no explanation of why it drop drastically. 
Due to not receiving an alert during the month of XXXX, I did not see this change until recently, and I began to contact Equifax. 
I started out with looking over all items on my credit report and all items look sufficient with no excessive usage or inquiries and all on time. I also contacted other reporting agencies such as XXXX XXXX and XXXX credit reporting and my score runs between XXXX and XXXX unlike Equifax report in at XXXX, dropping from XXXX in XX/XX/XXXX. I also open other credit cards and applied for a vehicle loan all of which do not show this credit score in the XXXX, which I see on my equifax.com website. Still not understanding why credit score showing in equifax is so low considering my diligent and prestige credit usage and maintaining. 
I am reaching out to you, all and efforts of an investigation of why the credit score in XXXX drop drastically, because I am unable to receive any assistance, contacting and speaking with representatives of Equifax. I was told that they can not discuss my credit score with me, and that I should talk with a credit advisor, which is not within Equifax. And speaking with a credit advisor, they say no just calls as to why my credit score dropped XXXX points in XXXX. I need a valid explanation and a correction to my score. Please advise.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. I would like you to investigate for me to make certain that everything is accurate. 

XXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX, and Transunion. I am writing this letter asking you all will you please delete all inquiries off my credit repot so that my Credit will go up into the XXXX or XXXX please. My name is XXXX XXXX. These inquires has pulled my score down alot. Can these inquires be moved ASAP. These inquires have stopped me from opening up credit. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/year> Hey Credit Equifax, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$2300.00} XXXX XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired XXXX XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Debt or credit management

I purchased a vehicle from XXXX and I paid it off the first month, then about a month later I received a letter saying I overpaid {$100.00}. Chrysler Credit then included a debit card that said it was loaded with that amount. I activated the account and when I went to the gas station I went in the store as required. The attendant tried every different way to use it but it didn't work. I just want a check sent to me with that amount {$100.00}. I never wanted a debt card and at the end of the year they are going to charge me {$3.00} per month. I don't know if this is a scam or not, or they are trying to take advantage of seniors. I see nothing on their website where I can tell them about this problem. Please cancel this debt card
Product: Debt collection

I have written Aspen National Collection a proof of validation letter on several occasions. XX/XX/2023, XXXX, 2023, and XX/XX/2023, in which they have failed to respond to any of my letters. Aspen National Collection has also ignored my request to cease all telephone communication and to only contact me via mail, as they continue to call and harass me on a regular basis. Nonetheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.
Product: Credit card

I made a purchase of {$350.00} at XXXX  XXXX  on XX/XX/2024 using my apple card. 
The merchant shipped the item to me but the size and quality of the item did not match the item advertised. I returned the product as per their method but never got the refund from them. All requests/emails to the merchant went unanswered. 

I raised a dispute with my credit card company but they sided with the merchant. 

Need help in getting my refund issued to me
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. Therefore, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them to be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately.
Product: Mortgage

HomeBridge Financial Services reported a negative account to my credit file, which means Bankruptcies, liens, garnishments and other judgments. This significantly dragged my credit score down and would stay on my credit file for at least XXXX years. Because of this, I failed my application to buy my dream house. This was totally inaccurate and unprofessional. I 'd like to provide all the correct information below. 
**** HomeBridge Financial Services started my mortgage loan on XX/XX/2016. I paid {$4400.00} in XX/XX/XXXX to cover the period from XX/XX/XXXX to XX/XX/2016 by check. The monthly payment was {$2000.00}. I set up a monthly ACH drafting in XX/XX/XXXX, and I received a confirmation letter that shows the ACH drafting autopay has been effective on XX/XX/2016. Then HomeBridge auto charged the amount of {$2200.00} on XX/XX/2016 from my bank account. 
On XX/XX/2016, I received the letter to notify me that HomeBridge has sold my loan to XXXX XXXX, and it would be effective XX/XX/2016, which means the payment I just paid on XX/XX/XXXX was the last payment to HomeBridge. In the meantime, I received a bill from XXXX on XX/XX/2016 to ask for {$2200.00}. I sent the check to XXXX as well, which ended up with I paid {$2200.00} twice in XXXX. Other than that, I never stop the autopay with HomeBridge, so if there 's a bill there, they would auto charge my money from my autopay account. All these above just shows that I always take my responsibilities, and never paid my bill late. 
However, HomeBridge reported me a negative account on XX/XX/2016. On that day, the new loan mortgage XXXX already collected XXXX months payments from me. How would they report me a negative account?! I have kept all the transactions in record, monthly payments from my bank account in pdf file, the auto pay confirmation letter form HomeBridge, and the letter when they sold my loan to XXXX. 
I was applying for buying another house, but the negative account reported by HomeBridge horribly affected my application. I really like that house, but I can not get my loan application approved since the negative account. So I lost it. 
I contacted HomeBridge Financial Services office several times at XXXX, and left many voice mails, but I got no response from them. 
I 'd like to provide all the documents I have kept. And I need HomeBridge to give me a solution how they pay my damage caused by them due to their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX XXXX Balance {$270.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and must be signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and it is accurate and complete. thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard inquiries and unauthorized account on my credit report, specifically with TransUnion. Despite my repeated efforts to resolve this issue directly with TransUnion and the company responsible for these inquiries, they have refused to remove them from my credit report. On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I noticed multiple unauthorized hard inquiries and unauthorized accounts listed on my TransUnion credit report. I disputed these inquiries and account directly with TransUnion through their representatives over the phone, but I was informed that the option to dispute hard inquiries online had been removed. Instead, I was instructed to dispute these inquiries by mail, despite having already submitted disputes on the aforementioned dates, with no resolution. The unauthorized hard inquiries are the result of actions taken by XXXX AND XXXX XXXX ; The unauthorized account are the result of actions taken by XXXXXXXX XXXX. I have confirmed that these inquiries were made without my permission or authorization. Furthermore, as defined under 15 U.S.C. 1693 ( a ) 2, nor have I ever authorized any credit inquiry or report to be obtained from them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which prohibits any person from using or obtaining a consumer report for any purpose unless : The consumer report is obtained for a purpose for which it is authorized to be furnished under this section ; The purpose is certified in accordance with 15 U.S.C. 1681e by a prospective user of the report through a general or specific certification. These unauthorized inquiries clearly violate these provisions, and as such, I am requesting the immediate removal of all unauthorized hard inquiries and unauthorized accounts, related to XXXX and XXXX XXXX and XXXX XXXX from my TransUnion credit report. The inquiries were obtained without my consent, and the company failed to comply with the legal requirements outlined in the FCRA. I have also filed a report with the Federal Trade Commission ( FTC ) regarding these false and unauthorized hard inquiries. Despite the involvement of the FTC and my ongoing efforts to address this matter, TRANSUNION has refused to take appropriate action to rectify the situation. Enclosed are copies of relevant documentation, including my previous dispute attempts, any correspondence with TransUnion, the FTC report, and any supporting evidence showing that I did not authorize these inquiries. I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that TransUnion takes the necessary actions to remove these unauthorized inquiries in accordance with the Fair Credit Reporting Act.
Product: Checking or savings account

On the morning of XX/XX/XXXX, I received an email stating my account was being restricted when I didnt use the account for weeks after depositing what was a payment of {$500.00}.
Product: Mortgage

I have been attempting for several months to assume the mortgage on my deceased mother 's home. I am the sole heir, and have been recorded on the title. 
I have made multiple phone calls, and sent several emails to advance this process. 
Upon each inquiry, Freedom Mortgage asks me to submit a mortgage assumption form. I have submitted this form on 3 different occasions. I have also submitted all other required documents ( death certificate, letters of administration, recorded title ). 
After submitting the form Freedom Mortgage completely ignores my request, and I'm forced to submit yet another inquiry to attempt to move the process forward. 

Also, I began asking Freedom Mortgage about removing XXXX from the existing loan. 
They again ignored my inquiries for a few months. Finally they replied that the current mortgage is FHA and is not eligible for an XXXX XXXX, but that I could simply refinance into a conventional loan to remove XXXX. Had Freedom Mortgage responded in a timely manner, when mortgage rates were in the 3 % range, this would have been a feasible option. However, due to their egregious delay, mortgage rates have doubled making a refinance option untenable. 

I believe this shows purposeful bad faith on the part of Freedom Mortgage, and would like the issues resolved immediately.
Product: Vehicle loan or lease

On XX/XX/2022 around XXXX pm I received a disrespectful call from Chrysler Capital employee in the executive office that goes by the name of XXXX employee ID # XXXX. XXXX proceeded to tell me that they received my FTC report concerning the loan and wanted to know what they should do. I told XXXX since I filed a report with the Federal Trade Commission I would like for you to accept the report and I would like for you to 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files. 
XXXX reply in said : 1. " Chrysler Capital will not be making any adjustments to the account ''.

2. " Chrysler Capital has reviewed the account and they declared it's valid ''. 
3. " Chrysler Capital will not be releasing the lien on the title. 
XXXX was very rude and also had poor customer service. 
Below my FTC report is enclosed.