23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i was reviewing my credit report today XX/XX/XXXX When i came across 11 inquiries that i did not apply for. I called every single company that made the inquiries and told them that i have been a victim of Identity theft because i was not there at there store during the time the inquiries were made. 

I called all these companies today and they told me to contact the three major credit bureaus. I did contact all the bureaus but Experian would not remove them i have filed a valid police report with the XXXX XXXX police department regarding this matter. 

I DID NOT APPLY FOR THESE INQUIRIES XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I drove from XXXX XXXX Louisiana to XXXX, Georgia to register my car in Georgia. The state of Georgia requires a copy of the title from the loan company or the information on the loan that states the name of the person registered on the vehicle the sale date and the laying information. I made three phone calls to Carmax to get what I needed and they would not provide and then I went to a Carmax location in XXXX Georgia to show them what the state gave me that they requires. XXXX, the person that helped me took all of the information and got with the finance section for Carmax. They promised XXXX that they would fax over a copy of the title so that I can register my car but they still have not done that to date. It has been over three weeks now and I am still waiting in. My car is not registered at the moment. I want CarMax to provide me with a copy of the title so that I can register my car in Georgia. In addition,
Product: Credit reporting, credit repair services, or other personal consumer reports

It's Experian Again! 


Today I received another E-Mail from Experian! with a new Alert! Stating that Because there was a new usage on one of my credit cards my score went DOWN! NOW remember this same Credit Score Company, last week told me that my Credit Usage was insufficient to raise my Credit score! So I charged an item on a credit card to increase my usage! Now they are showing on the report that my usage is 22 %! Then when you read down the page at my Credit card usage it adds up to 76 % usage! SO they lowered my Credit score again! What's wrong with these people? They tell you to charge so your score will go up! then you charge and your score goes down! Are we on the same wave length?? There is a Big Problem here with this Credit Bureau!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need experian to remove the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Prepaid card

The American Express eGift Card is declined when I try and use it online.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report. This is my new complaint that I was the victim of incorrect credit report information that I encountered. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Please note Im sending this letter certified to protect my rights. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Experian regarding my FICO score. I/we always have excellent FICO score. From XX/XX/XXXX to XX/XX/XXXX, our score ranged between XXXX to XXXX. This XX/XX/XXXX we paid off our mortgage loan and my FICO score took a huge dip to XXXX with absolutely no other changes in our financial situation. I called Experian and complained about the much lower score and wanted to know if the score is going to keep on falling. Experian 's response was yes, it was because I paid off the loan. Yes, the new lower score would adversely impact my ability to get a most favorable loan rate. Yes, the situation does not sound reasonable. No, there is nothing that can be done and no she does not know when the trend will be reversed and would I be interested to view their web site for some educational material regarding credit? Totally ridiculous response. <P/>We are in the process of buying a retirement property and I find this situation completely unacceptable .... why is it that we need to be in debt in order to be judged as better credit risk? It is illogical and it makes no sense. <P/>I hope you can help us.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. I previously disputed the following information on my Experian credit report : XXXX XXXX  Account XXXX and XXXXXXXX XXXX Account. Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 
Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.
Product: Debt collection

This company has threatened to take my XXXX check for a account I do not owe. They have changed the date of the transaction from XXXX to XXXX. I believe this is a scam and it's affecting my credit.
Product: Bank account or service

I have been customer of Bank of America for about XXXX years. in XXXX 2013, I was out the country for about XXXX month and realized that I had left my wallet and debit card in the taxi I had used to go to the airport and when I got back, I immidiately went to the bank to check my balances and also to report that I had lost my card. However, I was told that someone had used my card while I was out of the country and I was told that some had been using my debit card while I was away and I toldvth ed m that I was XXXX unabl ed to contact the bank and they told me to submit some kind of document that proves that I was n't here when those unauthorized transaction occurred and I did submit a photocopy of my passport and my air Fair to prove that I was out of the country. After doing all that, I called the bank to Ask them if they are going refend the amount that was taken by unauthorized person but I was told that my claim was rejected and they couldnt do anything about it. I was really angry and disappointed because they failed to resolve my issues and as a result of that, my account got terminated and now I am unable to obtain a debit card. I have reported repidetely for my claim to be reconciled but they failed to resolve the issue. I am left with biterness and dissapintment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to credit bureaus asking for method of verification of items disputed and they have failed to send to me. Your reporting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned disputes. 

XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/2019 {$37000.00} This account is reporting inaccurate information and amount I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate errors. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Product: Debt collection

I File dispute letter with the credit bureau also with the CFPB about this debt. The debt collector responded back to the CFPB stating that they had no knowledge of the debt that is on my credit report however the credit bureau ( Experian ) Is still reporting this debt ( Global lending services ) I ask the credit bureau Experian to delete that account immediately after XXXX disputes I have put in about this debt and still the account is been reported also after I filed the complaint with the CFPB and they still have not giving a response to that complaint as well I have no knowledge of this debt that is hindering my creditworthiness. Please see attachments.
Product: Credit reporting or other personal consumer reports

Closed this complaint with another lie and ridiculous explanation without addressing the issue AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

I need to get confirmation on what Citibank NA ( US ) collector/customer service told me. 
They said, " that they could give information to my wife regarding my credit card even though she is not on the account ''. They mentioned there was an update on the regulation and XXXX is included they could share information to my wife.
Product: Credit card

We started getting calls claiming they where American Express with no call back phone number or email address, but they where requesting payments over the phone. Also calling after hours late at night XXXX. We asked for more information and all they would say is time is running out for us? 

My CPA was also getting the calls and she had to block numerous numbers because they where harassing her for information and also calling late at night. The callers was a woman and man. 

My CPA stated to me that she thought it was fraud and block all transactions on the card and numbers calling harassing.
Product: Credit reporting or other personal consumer reports

XXXX  Account Number- To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Bank, Doing business as Santander Consumer USA has practiced unauthorized use of my credit card pursuant to 15 usc 1602 ( p ) I received no benefit. Santander Bank is in violation of the Truth in lending act and Fair debt collections act stating that I the consumer allegedly owe debt to them. I have sent this company an affidavit of fact with their listed violations and their racketeering activity such as extortionate of this credit transaction. Pursuant to 18 usc 1961 Santander Bank unlawful actions has cause distress to my life, ruined my reputation, interfered with commerce and dealing in an obscene matter and shall be punished by imprisonment for no more than 30 years and fined {>= $1,000,000}.
Product: Checking or savings account

Re : Complaint against Wells Fargo Bank Claim no. XXXX On XX/XX/XXXX {$1000.00} was removed from my account, without my knowledge or authorization I immediately contacted the bank and they looked into the matter. I received a letter from Wells Fargo stating the transaction was made by me or someone I know. 

Attached is a receipt of my last transaction on the same day in question showing I deposited monies into my account to cover my rent, I have asked the bank for assistance to have footage sent to my local law enforcement or myself, I have been a customer with Wells Fargo since XXXX and nothing like this has never happened. I need this info, to pursue charges on whoever the person or persons are who would do this. ( XXXX ) XXXX sincerely, XXXX XXXX
Product: Debt collection

On Thursday XX/XX/2022 my wife received a phone call stating that I was being served an order of location at my residence and I would need to contact XXXX for information regarding a file number XXXX. The same day, my mother was also contacted and was told that I was being located for a legal matter and they advised that they were attorneys. When I contacted the number I was told that I was being sued for defrauding the bank and breach of a contract. When I asked for additional information and a letter of validation for the debt they were reffering to they advised that they were not required to send me anything ans if I did not comply today they would continue their filing with the courts and would send an order of location out for me to my residence. The compmany would not even provide me with their full name and where I had called, the representative continued to raise their voice and demand payment immediately or I would be located. When I asked for written documentation of a payment plan or payment arrangement information I was told that they were not required to provide me with anything until I satisfied the debt they claim. This company calls my family members everyday and intimidates them and tells them they are attorneys and that I have legal troubles and that they are sending an order of location. They also will not provide me with any validation, validation in the mail, or answers to my questions, they just demand payment and threaten me. The agent threatened to take me to court and that I would be liable for all of the court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI , INC DATE XXXX XXXX In accordance with the fair credit reporting act XXXX  has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as a late for any purpose.
Product: Mortgage

I sent JP Morgan Chase a QWR/Notice of Error/Information request on XX/XX/XXXX via Certified registered mail. 

The following documents were requested from my loan file : Sr No Request for Reason for request 1 Any/All MHA loan assistance Applications ( including any attached documents ) sent in by me between XX/XX/XXXX and XX/XX/XXXX. Attempts to modify loan 2 Any/All MHA loan application Denial Letters sent by Chase during all of the period of this loan. Receipt of Chase responses 3 Any/All Credit Reports and any other information ( e.g., property valuations, asset valuations, US Treasury requests, account verifications, worksheets, notes, etc ) used to determine denials of ( 2 ), above Information used by Chase to determine denials 4 Any/All MHA loan application Appeals/Reviews/Reconsiderations ( including any attached documents ) sent in by me between XX/XX/XXXX and XX/XX/XXXX My follow-up attempts 5 Any/All information ( e.g., Credit Reports or any other information ) used by Chase to send any other refinancing offers ( i.e., non-HARP refinancing ) during the whole the life of this loan. Information used by Chase to send promotions 6 Any/All copies of all HARP Refinancing Promotional letters mailed to me via USPS Priority Mail during the years XX/XX/XXXX till XX/XX/XXXX. Chase refinancing attempts or contacts with me 7 Any/All Credit Reports or any other information used by Chase in determining that the above promotional letters in ( 6 ) above be sent to me. Information used by Chase for promotional offers 8 List of all dates & times that I made contact with Chase personal over the phone or personal visits to seek loan assistance, during the period of XX/XX/XXXX through XX/XX/XXXX Record of non-written attempts made by me to modify my loan due to hardship 9 Any/All information used by Chase in oral/verbal denials of loan assistance made by me in ( 8 ), above. Record of non-written denials made by Chase 10 Any/All other loan assistance options considered by Chase for this loan during the life of the loan. Options considered by Chase 11 Any/All information used & reasons for disqualifying me for loan assistance in ( 10 ), above Inputs & decisions considered by Chase On XX/XX/XXXX I sent a second QWR request for the following : Sr No Request for 1 Copy of Mortgage NOTE of XX/XX/XXXX 2 Recording/Transcript of phone call between me and XXXX XXXX of XX/XX/XXXX 3 Recording/Transcript of phone call between me and XXXX XXXX XXXX of XX/XX/XXXX I called the executive office of JP Morgan Chase last week and also followed up with an email request on XX/XX/XXXX. I have not heard back and neither have I received the above documents I have requested. 

Even though JP Morgan Chase is of the opinion that an error has not occurred. I disagree because there was no property valuation done XX/XX/XXXX and I was never sent any worksheet or any other inputs/outputs of their review XX/XX/XXXX. 


I need all the above information requested to determine the process followed XX/XX/XXXX to educate me on how and whether I should proceed with a new loan modification XX/XX/XXXX, if any.
Product: Checking or savings account

I had put money into a transportation reimbursement account through XXXX, my old job 's payroll vendor, which was managed by Optum Bank. I had {XXXX} left in the account when the firm I worked for shut down. At some point in XX/XX/2021 Optum Bank said they had returned my money to my old employer, but my old employer no longer existed. I have tried multiple times to get a straight answer about where my money is and have never received one. I followed up with XXXX and they said that the money was irretrievable.
Product: Vehicle loan or lease

On XX/XX/year> I was involved in an accident XXXX XXXX XXXX XXXX, which was insured by XXXX XXXX XXXX XXXX and financed by Bank of America ( BOA ) Account # XXXX. My XXXX agent contacted BOA, who sent a payoff letter on XX/XX/year> to XXXX. The payoff letter did not state that the settlement amount would expire. On XX/XX/XXXX, XXXX sent payment of the amount stated in the payoff letter to BOA. 

Throughout the history of this vehicle loan with BOA, my payment has never once been late and I always pay additional principle with the regular payment. 

On XXXX XXXX, 2024 I received a letter from BOA saying I still owed them {$170.00} with interest accumulating daily - because, they claim, the payoff check mailed from XXXX, XXXX  on XX/XX/XXXX did not reach BOA until XX/XX/XXXX and the payoff quoted to us on XX/XX/XXXX was no longer the payoff amount. Further, I did not receive notice about this until a full month after BOA decided I owed them money. 

Included in the letter I received from BOA on XXXX XXXX was information that this past due amount ( which I did not know was " past due '' ) was being reported to the XXXX major credit agencies. This causes a bigger problem for me, other than the obvious unscrupulous business practice : I'm actively engaged in trying to purchase a condo and move to the city where my health care team is located, and this will affect my credit score, which as of earlier in XXXX, was XXXX. In today 's interest environment, even the slightest impact to your credit score can cost you XXXX  of dollars over a 30-year period. 

A XXXX representative and I talked on the phone with XXXX XXXX XXXX at BOA - telephone # XXXX. He offered no proof that BOA did not receive this payoff until XXXX, almost XXXX weeks after it was mailed in the US, nor could he provide any reason that given the impact this could have on my personal creditworthiness, BOA did not attempt to reach out to me or XXXX by a more immediate method, waiting a full month before notifying me of this debt and knowing FULL WELL that my insurance was paying off the loan after the vehicle was determined XXXX XXXX XXXX.