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

I have reported numerous accounts & inquiries to no avail. I am filing a complaint against EXPERIAN for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, experian consistently responds within 24hrs stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I have listed said accounts below. 

INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I closed my account due to stolen card. They told me it was denied me because i make withdrawals at this location. It is the only location near my home. They also stated yhat the withdrawal amount was XXXX at a time where there is a listed withdrawel of XXXX and another for XXXX. This is not acceptable. They alsi saisXXXX did not change my pin on ti.e hkw could i when i did not know till my money was gone
Product: Debt collection

NOTICE- Step 2 of 5 gives me limited choices, the only reason for my choice in step 2 is that it closely refers to my situation by way of credit report. To explain on XX/XX/XXXX I purchased a XXXX XXXX at XXXX XXXX in CA from XXXX XXXX, the commercial vehicle manager. He requested info about my LLC as well and I was certain this was a commercial lease. Regardless, the problem that followed was I found the XXXX to be unstable it was a basic XXXX XXXX, my test drive at Nissan was not on the freeway but around the dealership. So driving it on the freeway was a horrendous experience. Emailed XXXX XXXX. He advised bring XXXX in for inspection. Upon inspection he claimed " there is no problem '' yet a third party mechanic found the issue, Nissan was not willing to work with me, I decided to return the vehicle, voluntary surrender. On XX/XX/XXXX I received certified mail " Notice of right to reinstate contract and redeem vehicle ''. ( having discussed with third party mechanic, I decided to accept offer, have the repair done privately and save my credit ) so I accepted the offer by signing and section " E '' - right to request extension of time to reinstate contract or redeem " which gave me an additional 10 days plus the standard 20 days from date of notice XX/XX/XXXX ( which was weird since I only received the notice on XX/XX/XXXX but I knew this gave me ample time for Nissan to work with me and promptly mailed off the acceptance via certified mail and extension to the address XXXX XXXX XXXX, XXXX XXXX. During this time I was never late and attempting to reinstate my contract but Nissan failed to honor the offer to reinstate. The certified mail with my acceptance to reinstate was delivered to Nissan well before deadline. The certified mail tracking confirms this. Why then was I told by XXXX XXXX on or around the XX/XX/XXXX that " its too late the vehicle is sold? I advised that I received a notice to reinstate but he said no the vehicle " is gone '', no offer to make ''. Did Nissan have any intention to reinstate or did they send out the notice as a pretext to comply with state law since I was never delinquent on the auto payment? I am utterly disappointed and I need clarification as to what went wrong? Why was Nissan so  quick to report on my credit while in negotiations with me to reinstate? Why was the vehicle sold on XX/XX/XXXX, per the notice dated XX/XX/XXXX I received from Nissan?
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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: Payday loan, title loan, or personal loan

XX/XX/XXXX To whom may concern, I'm writing to dispute the following information the overseas company supplied XXXX XXXX XXXX XXXX XXXX Located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX. And I'm requesting an investigation on Experian and The creditor for the bridge of contract and over-billing and providing misinformation. information that affected my credit report and my reputation as a debtor of my creditworthiness. XXXX XXXX XXXX XXXX has reported an invalid and inaccurate debt because I decided to stop doing business with the company for lack of information and debt amounts they have already collected out of my XXXX account from XX/XX/XXXX- XX/XX/XXXX. When I tried disputing overpayment with them and started to request for superior, they started being hostile and not providing information and miscommunication, lies, etc. Experian has not given me the opportunity to fight this Online scammer that I have dealt with Since XXXX. When I reach out to Experian they advised since I was the one who did business with that company whatever information this overseas company reported is correct without fully investigating the information that I have submitted to them. The company can report inaccurate information which is violating the Fair Credit Reporting Act by providing the wrong balance and try collecting more debt than they have collected in the past 3 years. I would like Experian to provide all the documents such as all my payment history from day 1 and my legal signature to any agreement they have against me that I have signed manually to this credit and I will provided my bank statement from XXXX for investigation. 



XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Person ID XXXX Available account limit : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax File Number : XXXX Date : XX/XX/2020 FCRA Violation Sections 604 ( a ) ( 3 ) ( F ), Equifax has failed to initiate an investigation for more than 90 days. Failed to supply proof of Method of Investigation. Failed to provide proof of a legitimate transaction or credit application with my Full Name, Date of Birth, Social Security Number, and signature.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX CARD ACCOUNT NUMBER : XXXX. This account does NOT belong to me. I want this account removed from my credit reports. Furthermore, it has many inaccuracies being reported. This account is in direct violation of the FCRA.
Product: Mortgage

This is in reference to a delinquency that Roundpoint reported to XXXX ; my wife and I dealt with Roundpoint in good faith and made payment on agreed-upon terms, but the company, through it 's own malfeasance or malpractice, reported the payment as 30 days late, even though their own documentation and communication recorded the payment as only 8 days later that listed on the statement provided. 

Roundpoint Mortgage serviced my home loan from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX, my wife and I refinanced the mortgage through XXXX XXXX. Either XXXX XXXX failed to correctly calculate the payoff amount, or Roundpoint failed to correctly calculate the payoff quote, as two weeks after closing, Roundpoint informed us that the payoff fell short. 

In short, Roundpoint acted in an unprofessional, chaotic, duplicitous, and bullying manner over the course of three weeks. They sent a series ( XXXX ) of inaccurate, contradictory statements, and failed to explain why XXXX statement differed from another. A representative agreed to grant a two-week extension until funds arrived in my account for payment, but Roundpoint instead set a due date as the day that we received the funds in our account, and recorded a 30-day delinquency to TransUnion when the payment arrived 8 days later through the mail. They refused to provide a written explanation of the deliquency report, and only offered a second-hand verbal explanation over the phone that the representative who granted the two-week extension had no authority to do so -- as the department that handled payments refused to communicate with me directly, their use of a customer service representative in this way was a deceitful and borderline fraudulent practice. 

My wife and I have never missed a payment of any kind in 25 years ; the report substantially lowered our credit rating from " XXXX '' ( XXXX ) to " XXXX '' ( XXXX ) in a matter of days. This was their error, and it substantially harms us as consumers ; Roundpoint refuses to acknowledge their error, and have refused to communicate with us in any way after receiving payment. 

We 've already submitted documentation through cashiering.
Product: Mortgage

I applied for refinancing of my home through the same bank ( Citi ) which has held my morgage for some time. I initially was told that because of some special program, my credit would not affect me. While I was completing the application on the phone, I was asked whether or not my son ( whose name is also on the Mortgare ) was marry. The answer to this question is yes. I was advise that I would have to take him off the mortgage, and I agree. I was then asked for 12 months of bank statement which shows that I was paying the mortgage from my account. This information was provided. My bank statement has been scrutinized, and Citi Bank is now questing what are some of my payments. My understanding of when a consumer is asked to provide this document for refinancing is to verify whether or not there are enough funds to pay the mortgage, and not for any other reason/s. In my history with Citi Bank I have NEVER BEEN LATE, THE MORTGAGE IS TAKEN TWICE PER MONTH FROM MY ACCOUNT, THERE IS MORE EQUITY IN THE HOME THAN THE BALANCE DUE TO THE BANK, I AM NOT TAKING OUT ANY FUNDS, ALL I AM TRYING TO DO IS TO PAY LESS MONTHLY, in order to save more for my retirement. Therefore, why the hassle. It is my opinion, this is due to the location of the property.
Product: Checking or savings account

On XX/XX/2020 around XXXX XXXX. I got an email saying my account was closed. I didn't do this myself. I was a victim of fraud last month on this Chime account. I was given no reason why this happened an no access to over {$1000.00} in funds. No way to contact Chime via phone as the system is automated and would not let me get to anyone with my account being closed. I had to have my husband call in so I could get someone as he has a Chime account. The lady was of no help. She wouldn't let me speak and said you only can email about issues like this. I have emailed and gotten one response within 24 hours saying use the automated phone system which docent help with these issues. No live person to help me at all and no reason as why my account was closed without my approval. No my funds are held up for over 30 days and I have no way to pay for living, food, and transportation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have unauthorized credit inquiries on my report : Ally Financial inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN XXXX
Product: Checking or savings account

I was charged twice for the same transaction in error I contacted USAA and placed a dispute. I was told I needed to file the dispute form giving them permission to dispute the charge and provide a provisional credit to my account. This happened on XXXX XXXX. As of today I have not received my provisional credit and two of my bills came through in which I got a nsf fee. When I contacted them to find out why they told me after the 10 day waiting period I would get the fees credited to my account but meanwhile the two bills were not paid and sent back as nsf. When I asked what happened to my funds being placed back in my account within 24 hrs of my complaint so I would not have to have returned items they continued to tell me it takes 10 days..why would it take 10 days instead of 24 hrs..I asked for a manager they claim no one is available and I would get a call back meanwhile my creditors think I am bouncing payments when that is not trueI demand USAA be investigated for not doing their due diligence in providing a credit to my account to avoid the nsf fees
Product: Credit reporting or other personal consumer reports

There remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them along with Experian to file a second complaint with this issue. There is also someone elses address on my credit report which they say they will be removing. I need to resolve this issue immediately because its affecting my credit score.
Product: Credit card or prepaid card

On XX/XX/22 capital closed my account with no far warning after making a payment on my account. Theyre in violation of the securities exchange act. I called numerous times but capital one as willfully been in noncompliance. They have damaged me.
Product: Mortgage

My family has been devastated by XXXX XXXX. Thankfully our home is still liveable, but we have a lot of damage! My hurricane deductable is {$4500.00}! I have XXXX kids, XXXX of them are XXXX XXXX. I do n't have {$4500.00} to shell out! So, I heard mortgage companies were giving a break to people in Florida, so I called my servicer, my loan care ( aka Lakeview ) to see if they also would give me 3 months with no payments and put it to the end of my loan. Unfortunately, my loan servicer must be looking to put people in financial binds and foreclose on their properties, as they made the deal sound great of no payments for 3 months. I am a loan originator so I asked a lot of questions, only to find out that I would owe 4 payments in XX/XX/XXXX and if you ca n't pay it then, a 30, 60 and 90 day late goes on your credit. They found a way around the law to " help people. '' What kind of help is that? It actually seems like they are taking advantage of these poor people who could have lost everything! It 's also ashame that since I have an FHA loan ( a federal government product ), that I get even less help! As the agent at my servicer so greatly explained to me. Bottom line is, this is a disgrace! Not only are people going through enough from the storm, the people who chose to do this are now going to fall into financial hardships from this in XX/XX/XXXX.  I am sure that many foreclosures will occur now in Florida and Texas early next year!
Product: Credit card

I used my Chase credit card on XXXX XX/XX/XXXX to make a deposit for a trip planned to XXXX in XX/XX/XXXX the trip was canceled. XXXX told me since it was over 180 days I had to dispute charges through Chase bank and the bank will contact XXXX I have been going back and forth with Chase for several months and they keep putting the charge back on my account. The travel agent XXXX from XXXX XXXX XXXX told me to have Chase to dispute the charge and my credit card will be returned and sent Chase every thing I have pretending to this and still yet nothing being done
Product: Checking or savings account

On Thursday of the XX/XX/XXXX I reached out after noticing my ally bank app on my phone was not working normally I was informed originally over the phone it was their systems having issues afterwards the representative requested one time pass code to which I never received, Asked instead for public records questionnaires to which only 2 applied to me. 

After this I got response claiming I could not be verified. the next day Friday XXXX of XX/XX/XXXX Ive gotten a email from Ally bank stating my account is locked. 
I reached out and it was the same process Public records do not match me except for 2 and my phone not getting any codes was told to email Drivers license SS card which i have did but have not heard back. 
I have been a client with Ally bank since XXXX no personal changes have been made. I use the same number, live at the same address. 
Afterwards I have contacted my carrier at XXXX a level 2 tech went through diagnostics and claimed the number ALLY BANK uses XXXX and XXXX for sms are all working receiving from my cellular device I have reached out to my other financial institutions XXXX, XXXX XXXX XXXX to which they have sent XXXX time XXXX codes confirming all working as it should. 

Ally bank is withholding my savings account, invest account I can not even see my balances, statements, forms. to which I hold active shares of XXXX tickers XXXX XXXX XXXX in the event of any market downturn I can not sell these shares I can virtually lose the value of my investments who will be liable in this event. 
I believe that I am being treated unfairly, discriminated against due to my name ethnicity, and lied to with deceptive practices by this institution, considering my carrier XXXX confirms my device is working correctly, considering my other banks agree I am able to receive codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES : CHASE ( SYNCB/CC ) 3 ACCOUNTS SHOW THAT THEY ARE CLOSED BUT STILL SHOWS A BALANCE OWED. ( THERE IS NO BALANCE DUE ) XXXX XXXX XXXX ( NEVER APPLIED FOR A LOAN )  ************************************************************************************** ADDRESS ON CREDIT REPORT : NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NAME ON CREDIT REPORT NOT MY NAME : XXXX XXXX XXXX
Product: Debt or credit management

Ed Financial is my third party student loan servicer, unfortunately for me. Around XX/XX/XXXX ( approximate date ) 2023 I made a payment on a loan- specifically XXXX XXXX - I paid {$1600.00}. This was the time they transitioned to a new platform. 

I signed up on the new platform and my payment was not posting there. I called ED Financial several times- over the course of several months - about this payment and they assured me that my payment would be posted on the new platform. However, they informed me that it could take the payment until XXXX to be posted. 

I made the last payment of {$1400.00} on XX/XX/XXXX of 2023 and this should have brought the account to a zero balance. 

Unfortunately for me, Ed Financial still has not updated this account and still showing a balance of {$1600.00}. You might be curious as to why the balance is larger than the missing payment of {$1600.00}? Well looks like they are charging me interest on what should be a paid off account. 

Over the past three weeks I have tried calling Ed Financial for an update on this and questions about a payment plan but i can never get through on there XXXX phone system with wait times over 200 minutes. They have an option for a call back and i have left my phone number twice and have not been called back yet. Ed Financial is extremely frustrating to deal with. 

Today is XX/XX/2023 and still no updated account & I am being charged interest on what should be a paid off account.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!