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

In the Experian credit report are many incorrect variations of my name currently listed on my credit report.

Correction of Name Variations These variations are inaccurate and negatively affect my credit history. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information on my credit report, and you are required to investigate and correct any discrepancies within 30 days. The incorrect name variations listed on my report must be removed, as they do not accurately reflect my legal identity. This section of the FCRA mandates that any disputed information be corrected or removed after verification, and that any associated accounts linked to these erroneous variations be addressed as well.

Removal of Outdated and Incorrect Addresses There are several outdated addresses listed on my credit report that do not reflect my current and long-term residence. I have been living on my current address for over 20 years.

Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i ( a ), I am entitled to dispute any inaccurate or outdated information on my credit report, and you are required to conduct a reasonable investigation and delete or correct the disputed information within 30 days. As these outdated addresses are no longer relevant to my credit file, I request their removal in accordance with this section of the FCRA. 

On XX/XX/XXXX i had sent a certified letter to Experian explaining the problems and sending them proofs of my name, address, and my id and social security card.
Product: Debt collection

Zion Debt Holdings opened debt collection against me on XX/XX/XXXX for an account that is closed in XX/XX/XXXX and in good standing at the time of close. I saw an update to my credit report XX/XX/XXXX. 

XXXX did not contact me through any means before reporting to credit agencies. As of XX/XX/XXXX, I have yet to receive any detailed information related to the debt. 

XXXX has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA.
Product: Debt collection

XX/XX/XXXX - I signed up for services to assist with unsecure debt with XXXX XXXX XXXX XXXX. XXXX promised that money I paid them each month would go to an escrow account, XXXX, which would be used to pay down accounts. 
In XXXX - XXXX lawsuits were filed against me in small claims court where I live, by the same collection agency, Blitt and Gaines, representing the same collector/creditor, different attorney names, claims, and amounts. XXXX of the lawsuits are from XXXX XXXX and 1 from XXXX XXXXXXXX XXXX. XX/XX/XXXX - I was contacted by XXXX XXXX XXXX regarding the first lawsuit. I had two different attorneys and their paralegal contacting me and was told not to appear in court or seek trial as this would cost me more money. They told me to sign a settlement agreement which I did thinking I had no other choice to resolve the matter. 
XX/XX/XXXX- I was contacted again by XXXX XXXX XXXX and asked to settle the next account in full. I explained that I could not promise something that may be unsustainable with the uncertainties facing me and my family and that my mother was diagnosed with XXXX and I had moved her to Illinois to help in her care. I was told to write a hardship letter and grant permission to share with their other counsel. By XX/XX/XXXX, XXXX again presented an offer to settle the next account for the exact dollar amount that was enrolled in the program with XXXX a year earlier. After this and more red flags I cancelled my agreement with XXXX. XX/XX/XXXX - XXXX filed a complaint with the Illinois Attorney General and they assisted in receiving a refund from XXXX. XXXX contacted me at the end of XXXX and agreed to refund {$6600.00} that I would receive in 10 days. XX/XX/XXXX - I received an email from XXXX on behalf of XXXX requesting my account information. I spoke with XXXX at XXXX and provided my XXXX Bank account information to send the refund. XX/XX/XXXX - A refund of {$6600.00} was sent to my XXXX XXXX account. I had expected these funds at XXXX Bank, locally where I could access them to send certified funds to XXXX Bank. XX/XX/XXXX - I wired {$4800.00} from XXXX XXXX to XXXX Bank given the wire instructions I received over the phone that day to bring my account current. XX/XX/XXXX - The wire was returned by XXXX Bank less {$50.00} fee, unable to apply funds. XXXX XXXX  was charged a separate {$30.00} fee by XXXX. XXXX told me the wire was returned by XXXX Bank. As of today, XX/XX/XXXX, {$5400.00} is being held by XXXX XXXX. I filed several motions to appear in court since XXXX on each lawsuit.. My motions have been received and filed but still nothing. When I had been to court for these and objected, I was told to expect something in the mail. XXXX XXXX was the attorney who appeared for XXXX and XXXX. I can not verify his name or where he is from. His name is not listed anywhere for these cases and is not a licensed attorney for XXXX and XXXX, according to the Illinois XXXX XXXX. XXXX and XXXX is not licensed to collect debt in Illinois.
Product: Credit reporting or other personal consumer reports

XXXX is reporting that I am late XXXX payments on my credit profile, however this account has been charged-off since 2016. For the last 6 years this account has been under a closed status with all reporting agency. XXXX is reporting this as an open and active account with XXXX late payments. I asked the XXXX of XXXX XXXX XXXX XXXX XXXX for all notices that were sent out 21 days in advance for each due date that is being reported late. I was told that they could not provide this information since this account was charge-off status there were no due dates published each month. By law it states : In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! 

XXXX XXXX has written this off as a profit and loss write off over XXXX years but says i'm late on payments this by law is wrong! They can not provide the required documents stated by law for a late payment to be reported as " late ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent be XXXX emails stating disputes were ready I open all reports and there were no dispute results. Experian did not do what they were supposed to do. The report numbers showed no results of any disputes. Experian you have to do better seriously. 
Report no. XXXX Report no. XXXX Report no. XXXX
Product: Credit card or prepaid card

I was charged for a hotel room that I did not stay in. It was smelly and I asked for another room. They showed me one room. It was just as bad. The girl told me that they were all same after I asked her if she could put me a better room. We walked back and she told me she was not authorized to give me a refund. Only the General Manager could give me a refund. I was instructed to call the next day for a refund.. Long story short the name she gave me was not the managers name I called three times as instructed by them for a refund.When I was leaving.the desk clerk told me to go down to the XXXX down the street and try them. 

My credit card company Capital One sent me two letters that the hotel room charge was taken off, I just received another letter from Capital One that they put the charge back because the hotel did lie and said I was there .The Credit Card company is putting me through XXXX with taking the charge off, then putting it back on after I jumped through hoops to submit a bunch of paperwork and spoke on the phone a half dozen times explainting this to them.. I submitted my documents of staying XXXX miles down the road at a XXXX. Submitted a bunch of documents. 

I am cancelling my credit card that I took out in 1993. It is a XXXX XXXX Credit Card and the bank connected is Capital One. My XXXX XXXX is XXXX. I pay my bills. I will not pay for something I did not get. No room, just lies.. It was a scam. A total scam. I got no accommodations. I also filed a report to the XXXX  and they informed me they contacted XXXX XXXX XXXX XXXX XXXX SC twice and got no answer back from the XXXX XXXX XXXX My credit card company said it is end of story I owe {$73.00} and I got ZERO in return, no room, no accommodations and said they will send me the bill and I refuse to pay for something I did not receive. I never stayed in the room, never brought one piece of luggage in the room. If they put the charge on my card with my next bill I told them I refuse to pay it. I was scammed and Capital One is allowing this scam. I did not book ahead. I was there in person and if the room is not adequate they always refund me or find me a room. Not tell me go down the street and I will have to call for a refund.. The woman told me the rooms are all the same and I would be issued a refund from the General Manager. They lied and I refuse to pay it on my credit card period. Capital One refused to protect me from a scam.
Product: Payday loan, title loan, or personal loan

Can't reach National AutoFince Company to release title ... 15 year 's ago, XXXX, XXXX, XXXX now XXXX. I tried to contact them regarding vehicle purchased through them from XXXX XXXX XXXX in XXXX, Fl. Purchased at there dealership. The lien is wrong with me being co- signer it's backwards, my ex spouse was cosigner. This was fully paid off. They said I owed interest of XXXX???? This company is no longer in business and I need his name off lien.
Product: Debt collection

They sent one email saying I owe XXXX  money, but Ive never had a XXXX  account. I dont even have login information for XXXX. Now they keep calling me about it
Product: Debt collection

XXXX  I noticed my report showed a collection but I did not give written permission for 3rd parties to furnish this information on my credit report according to Consumer Law 15 USC 1692c 805 that I have a right to be notified in writing but not have a thing. Attached is the report on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling or disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I created a acct with Equifax online for XXXX monthly to get my credit score. The purpose was to be able to see all 3 bureaus info and XXXX score ongoing. I was informed by the credit repair company that is working on my credit that they could not see all 3 bureau info or XXXX  scores. After Equifax have taken XXXX every month from XX/XX/XXXX to XX/XX/XXXX I called in on XX/XX/XXXX explaining to a customer service representative about what services I thought I was paying for I explained in detail what i needed. I realized that the representative didnt sound sure that he understood what I wanted so I requested to speak with a supervisor. A supervisor was then put on the phone and I spent time explaining in detail about what service I needed. Supervisor explained to me in detail what needed to be done. I was told that it would cost me XXXX one time to get what I needed from Equifax. Thats all 3 bureau reports for 30 days and because Im a customer already thats y I would only cost that this month. However every month after itll be XXXX when I end my monthly XXXX subscription. The supervisor took my payment of XXXX and told me that the XXXX was processed for the month already as well. Supervisor asked did I want him to delete the subscription then or did I wan na call back. I had already logged out and back in and saw everything I needed upgraded. I told Supervisor I saw my acct updated and everything looked great and he could delete old subscription if he wanted while I had him online. On XX/XX/XXXX around XXXX I logged n my account and nothing was there. I called n for a customer service rep. and a supervisor to say they couldnt help me after they see more than enough money was paid to them with no services provided at this time. They r thieves and I want my XXXX and my XXXX as of XX/XX/XXXX with no services at all from. Equifax. Bad service
Product: Credit reporting or other personal consumer reports

Certainly! Here 's a revised version of your complaint letter that adds supporting documentation details and emphasizes your concerns about Experian 's practices. 

-- - **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXXFederal Trade CommissionXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX*Subject : Formal Complaint Against Experian for Violations of Credit Reporting Practices** Dear Sir/Madam, I am writing to formally lodge a complaint against Experian concerning their continued violations of consumer protection laws, specifically regarding their credit reporting practices. Despite recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, I have experienced significant issues that threaten consumer access to credit, employment, and housing. 

On XX/XX/XXXX, it became evident that Experian is conducting sham investigations that fail to adequately address consumer disputes. Their faulty intake procedures do not accurately convey all relevant information about disputes to the original furnisher, which has led to a regression in their accountability and a continuation of harmful practices.

As outlined in 15 U.S. Code 1681e, consumer reporting agencies must implement reasonable procedures to ensure maximum possible accuracy of consumer reports. Unfortunately, I have directly experienced the consequences of Experian 's negligence in this regard. 

I would like to provide supporting documentation from XXXX XXXX XXXX, indicating that they have updated my information and reported it to all bureaus. Below are the pertinent details : - **Report Number : ** [ Insert Report Number ] - **Date Generated : ** [ Insert Date ] - **Account Name : ** XXXX - **Account Number : XXXX XXXX - **Account Type : ** Credit Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed/Never late - **Status Updated : ** XX/XX/XXXX - **Balance : ** XXXX - **Balance Updated : ** XX/XX/XXXX Despite this positive account status, Experian has deleted this item from my credit report without justification. This raises serious concerns about why Experian is removing positive accounts, which can adversely impact my creditworthiness. 

Given the serious nature of these violations and their impact on consumers like myself, I urge the CFPB to take immediate action against Experian. It is crucial that consumer reporting agencies are held accountable to protect consumer rights and maintain the integrity of credit reporting. 

I look forward to your prompt attention to this matter and hope to see significant action taken against Experian to prevent further violations of consumer rights. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX CFPB EXPERIAN CORRECT MY RENTAL ACCOUNT AND FIRST PROGRESS CARD AS YOU CAN SEE WHEN THEY CORRECTED THEY DELETED FIRST PROGRESS CARD FROM MY REPORT SHORTING MY CREDIT HISTORY
Product: Debt collection

I am a senior citizen on Social Security income. I have a victim of Identity theft. I notified the identitytheft.gov. 

I can recall a few incidents that happened this fall. I am not sure which one was one that caused this identity theft. 1. This fall, I was playing games to win cash example- XXXX XXXX XXXX However, I did not get my payout as they promised, so I emailed XXXXXXXX XXXX XXXX They advised that XXXX XXXX XXXX needed more information. So I sent them the information. I tried contacting XXXX, but XXXX did not care. 2. In the fall, I was looking at a XXXX ad and thought it might be ok. So I tried with the card but decided against the purchase since I could not see the total. I never completed the transaction. I can't remember which product it was, but I never got a receipt or anything from it. 3. There was a data breach with one of my providers. It seemed like most of my accounts were affected. 

This has been a traumatic time for us. 

They have been leaving either empty messages or notifying other family and friends about this. We are on Social Security income and can not do anything. We contacted XXXX a nonprofit law firm for additional assistance. However, they have disregarded all communication about this from XXXX. We contacted them in XXXX and notified them to contact XXXX. but they have ignored that. XXXX has sent them a letter. Please see attached. I feel totally helpless at this point.
Product: Debt collection

I closed my account with XXXX XXXX in XX/XX/2020. At the time I closed my account, all amounts due were paid. This was required since the phone number was transferred to my wife who also has an account with XXXX XXXX. 

I was never informed of any outstanding bills. Not by text messaging. Not by notice of any kind- email or snail mail. 

I checked my credit recently and saw that there was a delinquent report by XXXX in XXXX, XXXX and XX/XX/2020. I tried to call XXXX to find out what the debt was for but they just referred me to IC Systems- a debt collection agency. The XXXX representative said that she could not tell me anything else about the alleged debt and that I would have to talk to IC Systems. I sent IC Systems a letter asking as to proof of the alleged debt and have yet to hear back from them. 

I believe this to be a false debt.
Product: Vehicle loan or lease

I am writing to formally complain about a deceptive and unfair car loan agreement facilitated by [ Dealership/Lender Name ] on [ Purchase Date ]. Despite my excellent credit score of XXXX, I was subjected to an interest rate far above what is typical for my credit profile. 

Upon reviewing my contract and comparing offers from other lenders, it has become clear that the terms I was presented do not reflect fair market conditions or transparent lending practices. Specifically : The loan 's Annual Percentage Rate ( APR ) was disproportionately high compared to rates I qualify for based on my credit score. 
No reasonable explanation or justification for the inflated rate was provided at the time of signing. 

This situation has caused significant financial strain and undermines trust in XXXX XXXX XXXX XXXXXXXX, VA. I believe these actions may constitute predatory lending in violation of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX/XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX.
Product: Mortgage

My loan servicing recently got transferred from XXXX XXXX  to Mr Cooper and Iam trying to access my account online & keeps telling me there is no record of my loan even though I have sent 2 payments & they sent me a letter stating they had my loan even though. I tried calling them & they tell me the same thing? Iam extremely frustrated because I have been sending Principal payments to pay my debt off sooner. Please help. Thanks