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

Notice and Cure complaint, this complaint is regarding Experian 's Violation of FCRA. 

Dear CFPB, I submit this complaint concerning Experian 's failure to conduct reasonable investigations into my dispute, failure to ensure accuracy, and breach of privacy violating the Fair Credit Reporting Act ( FCRA ). 

My Dispute Details as follows : Dispute received on XX/XX/year> *Violations* 1. Failure to Conduct Reasonable Investigation : Experian verified, updated or maintained accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without providing account-level documents, violating 15 USC 1681i ( a ) ( 1 ) ( A ). 
2. Accuracy Violation : Experian failed to comply with procedures under 15 USC 1681e ( b ) to ensure maximum possible accuracy.

3. Furnishers violations : 1. No Notice : Furnishers failed to provide required notice under 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) prior to or within 30 days after furnishing negative information.

2. No Periodic Statements : Furnishers failed to provide periodic statements with 12 required items under 15 USC 1637 ( b ). 
4. XXXX XXXX XXXX XXXX XXXX XXXX : Despite the agreement I signed with XXXX, to report as paid, never late, and remove negative information, its obvious no investigation was conducted by Experian, because they wouldve been aware of this. 
5. Hard Inquiries : No results provided, Experian failed to investigate the hard inquires related to the dispute notice.

6. Privacy Rights Violation : Furnishers and Experian violated my privacy rights under 15 USC 1681 602.

7. Unauthorized Furnishing : Furnishers and Experia
n furnished accounts without my written instructions, violating 15 USC 1681 604a ( 2 ).

*FCRA Violations* Experian 's actions constitute : 1. Willful and negligent liability under 15 USC 1681n and 1681o.

2. Failure to comply with dispute investigation requirements ( 15 USC 1681i ).

3. Failure to ensure accuracy ( 15 USC 1681e ( b ) ).

I am giving Experian this opportunity to cure, I am also sending an email notice and cure to Experian 's legal team : XXXX, XXXX, XXXX, XXXX and XXXX failure to resolve this issue will leave me no choice but to file arbitration or a federal complaint. I pray we can resolve this amicably.
Product: Mortgage

XXXX Wells Fargo sold my house while in negotiations of modifications of mortgage loan.
Product: Credit card

Synchrony bank care credit card, was closed in XXXX, they claimed it was because I was not making payments on the account, however my bank records show otherwise and the customer service rep I spoke to acknowledged my payments were in fact going through, but there was no way to reinstate my card From XXXX of XXXX they have continued to charge my bank account the minimum payment I have always paid, but my balance has not changed once. I enrolled in a credit counseling service with green path a few months ago and enrolled this credit card for help getting this account paid off, and Synchrony bank refuses to accept my claim of financial hardship, and rejected my offer of lower minimum payments. However, upon further investigation, and realizing theyve been charging me since XXXX, this account shouldve been paid off over a year ago and I have a feeling its because theyre over charging interest, and the payments they were taking out of a savings account of mine, werent going toward the balance at all. 

They closed my account. Wrongfully have continued to charge me and have denied further hardship assistance, though they have caused me a hardship when they closed this account in the first place. This is incredibly predatory and has been going on since XXXX. Something needs to be done about this. This account should be paid off with the amount of payments Ive sent in. They should be taking some responsibility for having wrongfully close to the account but instead the balance has remained the same no matter how many payments Ive made. I need help.
Product: Credit reporting

I transferred a balance to this XXXX card in XXXX of 2016. Once it was there I transferred it to another institution, this allowed me to get a fixed rate of 5.99 % for the life of the balance. As soon as the balance hit the XXXX account, I transferred it to the final card account. That transfer cleared XXXX on XXXX XXXX, 2016. At that point there was a bit of interest accrued for sitting there, so I submitted a payment of the remaining balance, which cleared XXXX on the XXXX of XXXX, bringing my balance to {$0.00}. There was no way in the XXXX online system to get a payoff balance for the card, so the only amount I had was the current amount due to bring it to {$0.00}, which I paid. I subsequently closed the account with XXXX and had {$0.00} balances on anything remaining at XXXX. I received electronic statements as well. Apparently XXXX charged me interest in XXXX, since my accounts were at {$0.00} and I had electronic statements, I actually did n't realize I had been charged this incorrectly on my account. I did receive a physical statement in XXXX, after the amount was 30 days past due. I called XXXX at that time and they refused to remove the amount that was due on the account. During my dispute process the account went to 60 days past due. XXXX is reporting this to the credit agencies as well. On XXXX XXXX XXXX finally credited my account of the incorrect charge and brought it to a zero balance. I filed a dispute with XXXX in XXXX to have the credit reporting fixed, which was denied by XXXX. They beleive they are reporting it correctly, which they are not, and XXXX refunding the amount should make this clear that it was through no fault of my own. The total charge was around {$4.00}, which is disputed. I asked XXXX to fix my credit report, they did not. I escalated it, and XXXX still refused to fix my credit report, or unreport the disputed amount with the credit agencies. This is my last resort, as this error by XXXX has cost my FICO score about XXXX points over the last 3 months. Please advise on how I can get XXXX to correct this issue. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21, A fraudulent dispute was made on my BoA credit card. I immediately reported it to BoA and they refunded the charge and they replaced the credit card. This charge was later re-added to my card as a fee from BoA on XX/XX/21. This is absolutely a fraudulent charge and I am not able to dispute this and remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  # XXXX Acct # XXXX  # XXXX Acct Name : XXXX # XXXX Acct # XXXX  # XXXX Collection Account XXXX XXXX XXXX  XXXX Hard Inquiries Credit XXXX XXXX  Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 
XXXX, Equifax, XXXX I would like deletion of all inaccurate accounts thank you
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX Experian XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX Experian XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX Experian 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 Experian XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 



Account Name : 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
Product: Debt collection

A rep from Leviton Law has called my office twice now. The first time he SAID he was from XXXX and gave me a case #, but I XXXX the number he called from and it came back Leviton Law Firm. He was not aggressive. It has been over 60 days since that call. 
Today a woman called from XXXX and said 1- we were on a recorded line and 2- that she was from Leviton Law and we have a " past due '' balance of over {$600.00} with XXXX ( I asked our accountant last time, we've NEVER used XXXX ) she gave me a case # ( different than the first case #, that one was 5 digits this one was 8 ) and asked to speak to the company attorney. I said surely you don't think an office with 5 people has an attorney here, have you sent us a letter ; she blew me off and said if we don't correct our debt we COULD BE SHUT DOWN. I asked her for a call back number and she gave a different number than what she called from : XXXX. That is not the number listed for Leviton Law. I would like a registered letter proving we have a debt vs. a phone bully lying about case numbers. Leviton Law has NUMEROUS complaints about collecting non-existent debts.
Product: Credit card or prepaid card

On XX/XX/2022, I submitted a payment to Comenity bank on my BJs MasterCard to pay my outstanding credit card bill in full -- as I do every month. Comenity lost this payment in their system and was unable to correct their error until XX/XX/2022 ( yes, that's 98 days later ), despite dozens of phone calls and documentary proof of my payment submitted by me. Throughout this ordeal, I continued to make payments in full each month to cover all of my purchases from the previous billing cycle. I asked Comenity to hold off on applying any late fees or finance charges to my account while they searched for my lost payment. Comenity refused. Instead, Comenity applied the following charges : XXXX, {$30.00} late fee and {$39.00} finance charge ; XXXX, {$47.00} finance charge ; XXXX, {$43.00} finance charge ; and XXXX, {$30.00} finance charge. This is a total of {$190.00} in improper and baseless charges. After finally locating my payment, Comenity refunded only {$53.00} to my account : the {$30.00} late fee ; a {$22.00} finance charge refund backdated to XX/XX/XXXX ; and a {$0.00} finance charge refund backdated to XX/XX/XXXX. Comenity still owes me a refund of {$130.00} in improper fees.
Product: Debt collection

This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # under which I accrued the alleged debt for {$120.00}.

2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access.

6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # 8. Please provide me a record of any payments or other reductions since the last billing statement for account # 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
Product: Debt collection

I have disputed these two accounts with this company and they have not verified these debts, therefore I want them removed from my credit reports. 

LVNV Funding, LLC Original Creditor : XXXX XXXX Account # : XXXX Balance : {$3700.00} LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX XXXX, XXXX. 
Account # : XXXX Balance : {$960.00}
Product: Prepaid card

I was given a {$500.00} AMEX gift card as a bonus at work. I have tried multiple times to use the AMEX gift card online at XXXX, XXXX XXXX, and other stores. I tried adding it to my XXXX XXXX. It gets declined every time. I have not been able to use the funds at all. 

I tried calling AMEX and their customer support was not helpful. They could not give me information on where the card would be valid, they just said keep trying it. I have no problems using XXXX XXXX XXXX in the past. Only this AMEX card can not be used. I have a receipt showing the card was activated and it should work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A MESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold to XXXX. I have put in a dispute several times to remove negative report of past due account. My accounts are on deferment status and it should show in good standing. This is impacting my credit score significantly. After several attempts this negative report is still on my credit report.
Product: Vehicle loan or lease

This car was repossessed in XXXX... This finance company still has it open on my credit report for the full amount as well as late payments for every month since XXXX
Product: Vehicle loan or lease

XXXX ) I contacted Santander in XX/XX/2019 because I could not make payment due to working in the XXXX field, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) I reached out to Santander to ask for a courtesy deletion because I volunteered to have them redeem the vehicle 5 years ago in XXXX. They stated they do not give courtesy deletion, AND can not change the negative reporting remark but I have counselors who suggests Santander does or can do so. 
XXXX ) Santander the vehicle but left a balance remaining, then sold the balance to debt buyer, who is also reporting the same balance. This is double damage and unfair credit reporting and it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

Hello for over 15 years EquifaxXXXX have been putting miscellaneous info on my report. Information is incorrect and I 'm being financially abused. I owe XXXX bank but other banks are on my report that I have never dealt with, I never lived in Florida which on my report states, inquiries, old reports, are making my score XXXX. Which is very low I ca n't get a apartment, home, nothing. I 'm ready to go to supreme court if this is n't corrected.
Product: Debt collection

Debt collector is attempting to collect a debt on behalf of a company which states I do not owe them anything. There is no debt, there has never been any debt, this debt does not exist. Debt collector has ignored my response to have them validate this debt and is still attempting to collect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I disputed an XXXXXXXX XXXX  account on my profile and it was deletedXXXX XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. Experian has reinserted this account back on my profile illegally and refuses to take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy. 

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Product: Mortgage

In XX/XX/2013 I was having problems with mortgage payments to Bank of America who had recently purchased my mortgage from COUNTRYWIDE. A letter was sent to me with a statement " Amount of DEBT DISCHARGED " in the amount of {$50000.00}. At around that time I had talked to an attorney who suggested that I filed bankruptcy, I had agreed and went with him to Bankruptcy Court to file the papers. While at the court I changed my mind and did not want to continue filing. My attorney agreed with me and I left without filing the papers.

My mortgage statements for the past year has been showing Non-interest bearing principal balance {$50000.00} every month.This amount is added to my Principal monthly. I have a copy of the letter showing DEBT DISCHARGE. I am also told that a Bankruptcy is s Please hown on my files with B of A. Please investigate this matter.
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 use 1681. 

XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX 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.

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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the listed accounts are not accurate, causing me discomfort.