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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$860.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$1200.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Student loan

I lost my job last month and I filed a recertification through studentloans.gov for the REPAYE program with my current income of XXXX. Navient illegally withdrew over {$400.00} from my account even though under the REPAYE program I had a {$0.00} payment. It 's impossible to contact Navient. I want my money returned and I want my loan account updated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ; XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Prepaid card

Blackhawk Network has seized XXXX my accounts worth {$1500.00} Blackhawk Network Holdings XXXX Inc. XXXX BHN XXXX, doing business as T-Mobile XXXX XXXX and PayPower Visa XXXX, has seized XXXX my accounts with {$1500.00} between the XXXX : T-Mobile : XXXX XXXX XXXX ) Paypower : ******************* ( XXXX ) These accounts were funded entirely by me and were seized without cause, contact, or reason, immediately AFTER I loaded the funds to the account. In other words, BHN PURPOSELY WAITED FOR ME TO FUND THE ACCOUNTS BEFORE SEIZURE. 

This company is a borderline criminal organization and should be investigated by the appropriate authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all 14 derogatory marks on my credit report to XXXX XXXX and the said they would be removing these items but have not done so. Experian should no longer be reporting these items on my report because they were paid and now closed. Why does Experian think they can continue to report something that I the consumer disagrees with? Experian is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

That on XX/XX/year> the debt between XXXX XXXX XXXX has been canceled. XXXX XXXX XXXX continues to report negative information on my consumer report. 

Please see attachment.
Product: Credit reporting or other personal consumer reports

Disputing the same accounts for 3 months Despite my previous attempts to resolve these XXXX accounts inaccuracies, Experian continues to report unverifiable, incomplete, or inconsistent information on my credit file. I am invoking my rights under the FCRA ( 15 U.S.C. 1681i ) and request a thorough reinvestigation of the disputed items to ensure compliance with federal standards.

Previous disputes I submitted resulted in vague or generic responses that failed to clarify what information was verified, updated, or left unchanged. This aligns with allegations in the CFPB lawsuit regarding Experians inadequate reinvestigation processes and ambiguous results letters.

Subject : Formal Dispute Regarding Systemic Inaccuracies and Incomplete Information on My Credit Report. 

Dear Experian Dispute Department, I am writing to formally dispute XXXX inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. 8:25-cv-24 ).

Specifically : 1.Experian responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

2. Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers.

3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.

To comply with the FCRA and rectify the inaccuracies on my credit report I demand the following : 1. A thorough reinvestigation of the disputed items, including all supporting documentation I have provided.

2. A detailed written explanation of the reinvestigation, explicitly identifying any updates or reasons for the disputed information remaining.

3. Immediate removals of any inaccurate, incomplete are unverified information on my credit report.

I have attached copies of relevant documents, supporting my dispute.

Please be advised that under the FCRA, you are required to complete your reinvestigation within 30 days of receiving this letter. Failure to comply with FCRA standards, as highlighted in the CFPB lawsuit, will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ) or potential legal action. 

Thank you for your immediate attention to this matter. I look forward to your response within the mandated time frame. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions.
Product: Prepaid card

All the merchants that I tried, won't accept this card. I tried XXXX, XXXX, XXXX, and XXXX ( online and in person ). I did this from XX/XX/year> to XX/XX/year>. 

American Express asked me to verify the card value. It is {$190.00}. 

There is $ on the card, why can't I use these funds?
Product: Mortgage

My home was foreclose on XX/XX/XXXX, I have attempted many times over regarding modification process, from the time XX/XX/XXXX until the time of foreclosure, I have reach out to the office of the president at Wells Fargo, and yet they refuse to grant modification program, I have file complaint with XXXX onto no unveil, Now my family is living in the streets because there is no remedy, I was denied Modification because wells Fargo On XXXX XXXX, a routine regulatory report submitted by Wells Fargo contained a startling admission : A review of the bank 's internal systems had revealed a calculation error affecting hundreds of struggling homeowners who had applied for mortgage modifications between XX/XX/XXXX and XX/XX/XXXX. 
Wells Fargo 's underwriting tool had miscalculated whether homeowners were eligible for the Home Affordable Modification Program or other government programs designed to help people remain in their homes despite difficulty making payments. Because of the glitch, around 625 Wells Fargo customers either were improperly denied mortgage modifications or were not informed they could qualify to have their loan terms modified.Hundreds of customers faced foreclosure after modification denials The Home Affordable Modification Program was intended to help struggling families modify their mortgages in cases of documented financial hardship. Participating homeowners had their monthly mortgage payments reduced by a median of more than {$530.00} through interest rate adjustments, loan forgiveness, forbearance, and extended repayment terms. An internal review of the Company 's use of a mortgage loan modification underwriting tool identified a calculation error that affected certain accounts that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX, when the error was corrected. This error in the modification tool caused an automated miscalculation of attorneys fees that were included for purposes of determining whether a customer qualified for a mortgage loan modification pursuant to the requirements of government-sponsored enterprises ... 
As a result of this error, approximately 625 customers were incorrectly denied a loan modification or were not offered a modification in cases where they would have otherwise qualified. In approximately 400 of these instances, after the loan modification was denied or the customer was deemed ineligible to be offered a loan modification, a foreclosure was completed. 

It appears that Mrs. XXXX XXXX and Wells Fargo enjoy foreclosing on American families so they can reap benefits of government monies and Consumer financial protection bureau watch it happen.
Product: Credit reporting or other personal consumer reports

Im extremely upset and baffled to discover inaccurate accounts on my credit report this morning. Its always been accurate before, so this sudden change is really troubling. I tried refreshing my browser, thinking it might be a temporary issue, but that didnt helpthe mistakes are still there. I urgently need the documents I sent to be reviewed properly so I can stop XXXX over this.
Product: Credit card

Kindly review the attached documents. I request the bureau to commence an investigation into these accounts, as I have a flawless payment history, yet they are incorrectly reported as late.
Product: Credit card or prepaid card

XX/XX/XXXX we travel at XXXX and buy 2 medicines, merchant try to charge all under my XXXX XXXX credit card XXXX XXXX and XXXX within 5 minutes, the XXXX XXXX go thru and XXXX XXXX blocked for suspicious. My husband use XXXX  credit card issued by Bank of America. After merchant charged us the card and give us merchandise at a XXXX bag. Tours guide rush us back to tours bus and go. We did not find out we have wrong products until we back to United States when we try to take the medicine on XX/XX/XXXX. When we open the bag and see that's compressor candy instead of medicine, I immediately wechat my friends at XXXX to get hold with merchant, on the other hand I also use the site at box to contact merchant for what's going on.. then found out the site is not valid. XX/XX/XXXX my friends chat back that no such phone number. I also see article at XXXX when searching name of merchant then find out they scam people at XXXX already. So I immediately contact both XXXX XXXX and Bank of America to dispute the payments. XXXX XXXX stop pay the merchant ; BOA denied our dispute and excluded when I request re-open.BOA denied " no proof or tracking for return '' ( but I am unable to ) and excluded as '' this is face to face purchasing '' if we did not inspect product before left, its our mistake. I feel like we did not get protect by the bank and now bank force us to pay scam merchant for the fake product.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another CFPB complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the provisions of the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following items off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. If you truly believe that the disputed accounts and information you report on my Credit File is accurate, prove it by sending me copies of documents bearing my signature. Without any of these documents, I expect you to please remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing other entities to view my credit file when I try to gain credit. I can not view my credit file on XXXX XXXX, XXXX, myfico, etc. When I go to view my credit report, I can only see my XXXX  and XXXX  reports, not Equifax.
Product: Credit reporting or other personal consumer reports

I had a auto financed with XXXX XXXX and the it was paid off with an insurance claim but its still showing on my credit report and I am unable to purchase another car while the loan is still showing. I need to have this removed from my credit report.
Product: Vehicle loan or lease

My credit scored dropped XXXX points because someone opened up a auto loan under my name and I had no knowledge of it
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i submitted a complaint through cfpb, and experian has verified the account in question. 

XXXX XXXX XXXX  Account number XXXX a charge off with a balance of {$550.00} Is the account I disputed Experian has said they verified this as accurate and has not removed it from my report. how can you verify a charge off with a balance. 
a charge-off means that your creditor has reported your debt as a loss, so if they written off as a lose on there books how could there still be a balance reporting on that account. 

my rights are being violated and it is also older than 7 years since n should be removed regardless
Product: Mortgage

On XX/XX/XXXX I called First Home Buyers and made my XXXX payment, due to XXXX, I scheduled XXXX payment for XX/XX/XXXX. 
Payments are XXXX dollars. 

On XX/XX/XXXX I went to make the payment and discovered the company claimed the check did not clear. 

I called First Home XXXX and the associate said they did not receive the money. 
While on the phone, I made the intended XX/XX/XXXX payment of the XXXX I checked my XXXX  account and the money was removed from the account. 

I contact XXXX XXXX XXXX XXXX XXXX  and the customer service representative stated the check DID clear on XX/XX/XXXX. 

XXXX refunded my XXXX while launching an investigation XXXX refunded the monies back in my account on XX/XX/XXXX. 

The payment on XX/XX/XXXX has yet to clear. 
I am very concerned because that will make 2 payments not cleared.

Thank you in advance,
Product: Student loan

I attended XXXX XXXX in XXXX, Ohio from XX/XX/XXXX to XX/XX/XXXX and the school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for just that and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at that time and any loans that were to be a private loan. I have {$10000.00} still in 2 Private loans currently. I am current and I have been paying these loans but I am having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquire I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my Borrower Defense claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
Product: Debt collection

The company is Portfolio Recovery. They want payment on my paid debt on XX/XX/2008. Call every 3-4 days in different time.
Product: Payday loan, title loan, personal loan, or advance loan

I a self account and I never missed a payment. It was auto payment each month i was never late and it's affecting my credit please remove.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : COVINGTON CREDT HFH Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. 
Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 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 ) ( XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I placed a credit freeze with Equifax in response to the XXXX Data Breach. Since that time I have been able to successfully lift the freeze temporarily in the periods of XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. All of these were managed through the Equifax website without need for registering for an account or providing any additional personal information. 

On XX/XX/XXXX I applied for a savings account and was which was denied because my identity could not be verified due to the credit freeze on file. Today, XX/XX/XXXX, I attempted to lift the freeze temporarily and found that I was unable to do so without creating an account online. Given that Equifax has a history of not protecting sensitive data I declined to open an account and instead called the customer support number ( XXXX ). A series of automated prompts indicated that I must provide a mobile phone number before proceeding with unfreezing my account. I declined to do so and was ultimately connected to a customer service representative who was unable to access my credit file. 

How do I unfreeze my account without giving additional sensitive information ( my phone number, e-mail address, etc. ) to a company that can not be trusted to keep this information secure? It is very disturbing that I'm effectively removed from the credit and banking system until the freeze is lifted and there doesn't seem to be away to do that without giving up more personal information.