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 accounts unresolved. The consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic-issues such as failing to forward consumer-provided evidence to furnishers, 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 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to demand immediate action regarding the extensive and ongoing inaccuracies on my XXXX XXXX account ( # XXXX ) as reported by XXXX XXXX Experian, and XXXX . Despite my repeated efforts to dispute and resolve these errors directly with each bureau, they continue to report inaccurate and conflicting information in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Account Details and Reporting Inaccuracies : Account Number : XXXX Original Creditor : XXXX XXXX Balance Owed : {$410.00} Creditor Type : Utilities/Wireless Telephone Service Date Opened XXXX XX/XX/XXXXXXXX  Payment Status : Closed / Collection account / Seriously past due date Dispute Status : " Not disputed '' on XXXX and XXXX XXXX despite multiple formal disputes. 
Key Inaccuracies Across Bureaus : Inconsistent Date of Last Activity : XXXX and XXXX list the last activity date as XX/XX/XXXX, while Experian records it as XX/XX/XXXX, resulting in an inconsistency that must be resolved. 
Conflicting Closed Dates : XXXX and XXXX show the closing date as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. This discrepancy in such a key detail makes the reporting unreliable. 
Contradictory Payment History : Experian shows this account as Charge-Off ( CO ) from XXXX to XX/XX/XXXX, while XXXX reflects on-time ( " OK '' ) payments in the same periods. This misalignment conflicts with the FCRAs requirement for accuracy. 
Incorrect Dispute Status : Despite my documented disputes, XXXX and XXXX still list this account as " not disputed, '' violating my rights under FCRA Section 611 ( 15 U.S.C. 1681i ) for disputed information to be investigated and corrected. 
Incomplete Payment History Reporting by XXXX : XXXX does not provide any payment history for this account, creating an incomplete and misleading profile that fails FCRAs standards for accurate and complete reporting. 
FCRA Violations and Legal Consequences : The FCRA mandates clear, accurate, and verifiable information. These credit bureaus actions are in clear violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to correct or delete inaccurate or unverifiable information after a dispute.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to use reasonable procedures to ensure maximum accuracy. 
FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Allowing consumers to seek damages for willful or negligent non-compliance. 

Intent to Pursue Legal Action : If these inaccuracies are not removed within 15 days, I will file a lawsuit under the FCRA for damages resulting from willful and negligent non-compliance by the credit bureaus. 

Attached are copies of my recent credit reports from XXXX, Experian, and XXXX, as well as records of my previous disputes. I trust that the CFPB will take swift action to ensure compliance with FCRA standards and protect my rights as a consumer.
Product: Student loan

On XXXX XXXX, 2015, an attempt was made over the phone to enter into a 15 month interest rate reduction for XXXX private student loans provided by Navient. The lender agreed to process the application for the reduction with the condition that a payment be made in the immediate to bring the account current. The borrower ( currently in financial hardship ) advised that a payment would /could be me made upon acceptance into the program, due to limited fund availability. The lender refused to process the application for the program until a payment was made. Borrower is left without any alternatives and lender is unwilling to provide assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named CERTGY has repeatedly tried to collect {$40.00} saying a company by the name of XXXX XXXX XXXX  and check # XXXX dated XX/XX/22 was denied payment. We checked with the company XXXX XXXX  and we owe them nothing, in addition we have no checks with that # associated with our bank. CERTGY can not verify its legitimacy and demands access to our bank. We will never give bank information on the phone to anyone.
Product: Checking or savings account

One week ago on Wednesday, XX/XX/XXXX we filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding claim number XXXX. This transaction is not recognized and was not authorized as explained when it was initially reported to Chase. In response to the notice that Chase posted on the account related to this claim, we have requested copies of ALL documents that Chase has that proves this charge is valid and or authorized. It has been seven days and no one at Chase has responded to our CFPB complaint requesting the documents in accordance with the federal law - The Fair Billing Credit Act. In accordance with federal law Chase must provide the requested documents once funds from a dispute are reversed such as this claim. Chase has not provided the requested documents proving that the disputed transaction is indeed valid. 

It has been voiced several times that we experienced an emergency while out of town which required XXXX  service and were without devices and wallets for over eight hours or more. 
We are in request of the documents proving that we are responsible as Chase has stated. We reserve the right to file with the FTC and the CFPB again.
Product: Debt collection

I XXXX XXXX XXXX sent the Letter below along with an identity theft report from ( FTC ) to XXXX XXXX XXXX via certified mail XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am contacting you in reference to the alleged debt reporting on my consumer report with the account number XXXX -. According to 15 USC 1692 ( a ) congress has found evidence of abusive, deceptive and unfair debt collection practices. I am herby informing you that because of this i have suffered financially and mentally.

Your company has harassed me for an alleged debt that has not been lawfully validated and sent a consumer contract which case law XXXX XXXX XXXX XXXX XXXX says is not sufficient evidence of a debt. Your company has continued to intimidate me and be deceitful which has caused me to have marital issues that i can not even afford to handle professionally. 

I am granting your company the opportunity to resolve this matter by the following instructions : 1. DELETE THIS ALLEGED DEBT FROM ALL CONSUMER REPORTS AND FILES 2. CLEAR ANY ALLEGED BALANCE 3. REFUND ALL PAYMENTS MADE ON THIS ACCOUNT Thank you for your attention in this matter, XXXX XXXX XXXX, Without prejudice, All Natural Rights Reserved
Product: Credit reporting

I see that there is an incorrect address that is reported on my TransUnion credit report. Please let me know what I can do about this so that it will not affect my credit score in any way.
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 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 XXXXXXXX has violated my rights. Or 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: Mortgage

I paid my loan in full XX/XX/XXXX and never received a title or lien release. When looking into selling my home, XX/XX/XXXX I went to the tax assessors office to request a title but was told there was still an active XXXX on the home. I contacted the company to request the title and/or lien release and was told I would need to communicate with the lien release team via email. I emailed the lien release team and sent supporting documents showing the XXXX, which I obtained from the tax assessors office and was told to allow XXXX business for my request to be completed. It has been more than 30 days with no resolution. I have spoken with the escalation team several times, as well as an escalation supervisor but no one can tell me when this issue will be resolved although I have expressed to them several times that I am wanting to sell my home but can not do so with an active XXXX that should have been resolved 7 years ago.
Product: Mortgage

I have spent well over a dozen hours on the phone with this company over the last 4 months trying to get to the bottom of my loan modification. They have collected payments and misapplied them. They have threatened me countless times with adverse actions even though they can not accept my payments for my loan. Then they ask for several months immediately in order to avoid more adverse actions. If I didn't know any better, I would think they are trying to force me into foreclosure! 

I am still after 4 months waiting for this to get clarified and to find out just how much money they want to extort from me now and what it will take to finally get current on the loan they took 4 months to process. 

Now they are showing me past due 60 days and 3 payments... they have 2 payments as " unapplied funds. '' They can not tell me what they have done with the payments I have made other than " just wait and give it a few days. ''
Product: Prepaid card

Follow up to complaint XXXX. The company stated that they would deliver relief in the form of a check, but we have not received any communication from the company at all. The .PDF file attached to the original case, mentioned above, contains a shipper tracking number, but when that number is looked up on the shipper 's web site, the correspondence was delivered to an address in New York state, not to my home address which was correctly listed in the .PDF.
Product: Debt collection

AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 611 ( e ) of the Fair Credit Reporting Act : Federal Trade Commission Program Referring Consumer Complaints About Possible Act Violations To The Three Nationwide Consumer Reporting Agencies, and Securing Complaint Resolution Information From Them : Tags : Privacy and Security. Credit Reporting.XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2024 Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. 
I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, USDOE/XXXX # XXXX, XXXX, Account # XXXX XXXX 
I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit reports there were several unfamiliar accounts and infromation listed incorrectly. I was subject to theft and or my information being compromised a while back, so im not sure if these accounts are the results of this compromise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

The mortgage company repeatedly places additional principal payment in unapplied cash and does not apply towards principal until I call and complain. I make an additional payment every other week with " additional principal '' noted in the memo. Our regular monthly mortgage payment is send autodraft every month. I have spoken with XXXX ( manager ) multiple times and he has tried to work with accounting to resolve this problem to no avail.
Product: Debt collection

I originally took out a loan with Tally, but after they went out of business, my account was transferred to XXXX for servicing. Since XXXX, I have been attempting to make my monthly payment of {$200.00}, but every attemptwhether via ACH transfer or debit cardhas failed or been blocked by my bank. 

I have repeatedly contacted XXXX customer service to explain this issue and ask for assistance in resolving the failed payments. Despite my good-faith efforts, XXXX has not provided any alternative payment solutions or troubleshooting assistance. Instead, they have continued to apply daily interest charges on the outstanding balance, unfairly increasing the total amount I owe. 

I am willing and able to make this payment, yet XXXX payment system failures and lack of resolution are preventing me from doing so. This has placed me in a difficult financial position, and it is unreasonable for XXXX to penalize me with additional interest when the issue is on their end. Given that my loan was transferred from a defunct lender, I am concerned about whether XXXX is properly managing these accounts and treating borrowers fairly. 

I request that the CFPB investigate XXXX handling of my payments and account, require them to stop unjust interest accrual, and ensure they provide a functional and reliable way for me to make payments without penalty.
Product: Consumer Loan

BMW Financial services has erroneously reported a late payment on my credit report, specifically the XX/XX/2017 payment. They are under the misconception that the payment was made on the 31st day. It was not the payment was made online at the BMW website two weeks prior. They have told me verbally as well as in writing that I cancelled that payment. I did not. I did, however, make a payment online which BMW must have failed to process correctly. If there is a computer " glitch '' on their part and they see the payment as cancelled by consumer it hardly seems fair that I should have my otherwise excellent credit places in jeopardy. Your attention and assistance is greatly appreciated in receiving a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/2021 XXXX XXXX / {$0.00} / XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to formally complain about my credit report, which contains items that are in violation of my rights as a natural person under 15 USC 1681 and the Fair Credit Reporting Act ( FCRA ). As a living human being, I have the right to privacy and confidentiality, which has been infringed upon by the consumer reporting agencies listed below. 

According to 15 USC 1681, the consumer reporting agencies are required to govern their actions in accordance with federal laws, including my rights as a consumer. However, they have repeatedly violated these laws and I demand that the accounts listed below be immediately deleted from my credit report in accordance with the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX The consumer reporting agencies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 , as I did not give them permission to furnish these accounts. 

I would like to draw your attention to the following federal laws which have been violated : 15 U.S.C 1681 section 602 A states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any 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 ) states that 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. 
Furthermore, I have noticed multiple billing errors on my credit report which are in violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, the creditor has failed to reflect properly on a statement a payment made by me or a credit issued to me. They have also made a computation error or similar error of an accounting nature on a statement. 

As per 15 U.S. Code 1666 ( b ), the creditor is required to notify me 21 days before with a statement, which they did not do. Therefore, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor 's bank account that I didnt pay and was marked late, as this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report. 

XXXX XXXXXXXX As a consumer, it is my right by law that these accounts be updated immediately. Failure to comply with my request will result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have also filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission regarding this matter. 

I urge you to take immediate action and rectify these violations of my consumer rights. 

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

RECENTLY, I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED, INACCURATE AND QUESTIONABLE ITEMS THAT YOUR AGENCY DIDN'T MAKE SURE IT WAS REPORTING 100 % CORRECT. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15 U.S CODE 1681e ( b ) and 15 U.S CODE 1681i ( 5 ) THIS BANKRUPTCY, PUBLIC RECORD WAS REPORTING 100 % INACCURATE. 

RESULUTION : As a consumer by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the bankruptcy listed in my dispute letters attached. Thank you.