23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX acct number : XXXX Disputed Issue : I accurate balance, unverifiable 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. 

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 

Experian did not provide adequate documentation or results of a legitimate investigation, So I am escalating this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Payday loan, title loan, or personal loan

I have told Lendmark on numerous occasions that I live on the west coast and they continue to call me at inappropriate times ( before XXXX ). I have lived out here for 5 years. This should not continue to be an issue. I have paid on this loan the entire time.
Product: Debt collection

I pulled my credit report. I seen an unauthorized debt/collections of {$1200.00}. Reached out to ALLIED COLLECTION SERV to dispute. I let them know the debt didn't belong to me and ask for it to be remove. I've sent the dispute to creditor and bureau. The result came back verified. I filed a report with XXXX XXXX XXXX with case number XXXX because I am a victim of identity theft.
Product: Credit card

I have an account with Capital One and fell behind with my card when my spouse was unemployed and we then went through a separation in our marriage. I contacted the vendor to try and see what arrangements I could make to get the account in good standards and was told there was nothing that could be done but pay the full amount then they would possibly review it to see if they would let me continue the open line of credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Subject : Review of Marketing Practices and Credit Approval Process Dear CFPB and FTC, I am writing to express my concerns regarding Credit Karma 's marketing practices. Recently, I received communications that suggested linking my credit card for various features, such as daily balance updates and transaction categorization. However, I believe that these claims may be misleading, as they imply benefits that may not be as accessible as advertised. My credit card is fine.

Additionally, I would like to highlight my credit approval chances, which I believe to be fair based on my current credit profile. I am concerned that misleading marketing practices may impede my ability to make informed decisions regarding my credit options. 

I kindly requestHere 's a draft letter you can use to address the CFPB ( Consumer Financial Protection Bureau ) and FTC XXXX Federal Trade Commission ) regarding your situation with the XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has taken more than 30 days to Investigate my disputes i demand that they remove them as it has been more than 30 days i sent dispute back i XXXX almost 3 months ago the must remove the XXXX XXXX XXXX car loan and credit card disputes i have sent as it has been more that 30 days.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. There are XXXX accounts on my report from Dept. of EdXXXX that are paid in full and closed. One is account number XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX with a highest balance of {$3500.00}. The other is account number XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX with a highest balance of {$500.00}. Both of these accounts were closed due to transfer. I demand these accounts be removed from my credit report immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX   XXXX XXXX {$530.00} XXXX XXXX {$940.00}
Product: Checking or savings account

Citibank allowed an 18-year old check to clear. I have no recollection of the check, but it was from 18 years ago. I do recognize the person it was made out to, and it looks like one I could have written. it is for {$400.00}. I contacted Citibank at the XXXX, CT branch on XX/XX/XXXX to find out why they allowed such an old check to clear as I thought they didn't do that after 120 days. The person at the branch asked if I recalled the check, and I did not but who does after 18 years? He called into a Citibank helpdesk who said since I couldn't recall a check from 18 years ago it is fraud. Then they said they were going to freeze my checking account. I said I didn't not know if the check was fraudulent since I recognize the person and it was 18 years ago, and I said do NOT freeze my account as it is likely not fraud, and that my question is different- why Citibank cleared an XXXX XXXX XXXX check in the first place. Long story short, I found out the following week when a legitimate check bounced that they did freeze my accounts, no warning. It has been a nightmare since. I called Citibank on XX/XX/XXXX and they said they froze my account and only if I would state it isn't a fraudulent check would they unfreeze the account. Basically I'm being held hostage. They refuse to address they allowed an 18 year old check to clear, and they refuse to recognize it's not reasonable to ask someone if a check from 18 years ago is or isn't fraudulent. Then they said the only remedy is to open new accounts and for my wife and I to set aside 1 1/2 hours to do so. In the meantime the check has cleared my account so the money is now gone, and Citibank opened an 'investigation ' which just confirmed they allowed the check to clear. Absolutely furious that a simple question has resulted in creating so much chaos and already sucked up over 1/2 a day at the branch and on the phone with Citibank, and still no resolution! And my money is frozen without any way to access it!
Product: Checking or savings account

On Friday, XX/XX/XXXX, I submitted a transfer request on my online account to transfer {$6000.00} to a bank account in my name that I had verified by confirming 2 small deposits. On Monday, XX/XX/XXXX, I attempt to sign in to verify the status of my transfer. My account was locked, and I was instructed to reset my password. When I attempted to reset my password, I was told to call. I called Ally, and after a 30 minute cal, I was asked to verify information about my account. I provided all of the requested information. As the call was ending, I was told that the account is under review for activity, and there is no additional information available. When I asked how long the review would be in place, I was told that I could not be provided this information. I was told to call them for updates, but they would only contact me if they needed more information. 

The {$6000.00} is a loan from my parents to pay my payroll on XXXX. Now, my account is locked and I have no guarantee that the funds will be released or when the investigation will end.
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 XXXX credit reporting agency, and you the Equifax reporting agency , XXXX credit reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards and Auto loan accounts opened at 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  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which show the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA ; sXXXX On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft
Product: Debt collection

Greetings, My name is XXXX XXXX. I am filing a complaint against Santandar Consumer USA. 

Account number : XXXX Santandar Consumer USA XXXX XXXX XXXX XXXX, Texas XXXX XXXX. 

I am one of many of Santandars predatory lending victims. 

I purchased a XXXX XXXX XXXX through XXXX in XXXX California. 

The amount financed was {$16000.00} an APR rate of 27.67 %. The total FINANCE charge was {$17000.00}. Total cost of vehicle {$33000.00} with monthly payments of {$470.00}. 

I have made payments totaling {$20000.00} as of today and only {$510.00} has went to the principal of the price of the vehicle. 

I have been paying on this vehicle for 5 years. From XX/XX/XXXX to now XXXX, and only {$510.00} has been applied to the purchase price. 

I am currently behind {$3200.00} and at risk of my vehicle being repossessed. I am currently being harassed for payment. 

My vehicle was 1st repossessed in XXXX, and gratefully I was gifted money to recover my vehicle. 

Since then, it has been a struggle to pay off this vehicle with a 79 month term with payments of {$470.00} a month. 

I was just made aware of Santandar 's lawsuit that settled a {$550.00} XXXXXXXX XXXX  lawsuit for Predatory lending practices by, in my case states that : The consumer who qualifies for this relief, A ) Defaulted on loan but not repossessed and will be given forgiveness and car title if vehicle was purchased between XX/XX/XXXX thru XX/XX/XXXX. 

In my case, I purchased this vehicle XX/XX/XXXX. Vehicle was repossessed in XXXX. I recovered vehicle and continued to struggle to pay off this vehicle, I am currently in default and at risk of repossession. 

I am in the one of the 34 states included in this lawsuit, California. 

I have contacted Santandar once I learned of the Class Action Lawsuit against them that had accused them of violating Business Code XXXX by using Predatory lending practices, Credit Score Modeling knowing consumers will more likely default on the loan and never be able pay the vehicle off. 

I spoke with several customer service reps, managers and the legal department at Santandar., to find a resolution for my circumstances since I qualify based on the underlying complaint along with my circumstances, they refused to help and demanding past due payments or the risk of repossession. 

I am filing this complaint because I am a consumer and victim of this scandal. 

I qualify for forgiveness of the remaining balance due {$16000.00} and car title along with removing all negative and derogatory points off of the XXXX credit reporting bureau 's. 

Attatched is my contract for this loan with Santandar, my account number listed on all 3 bureau 's and the complaint and settlement information for Santandar Consumer USA. 

If there is any additional information needed, I can provide upon request. 

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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date : XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments are due on XXXX of every month After I made a payment and the last day of the month ( XX/XX/XXXX for XX/XX/XXXX payment ) it was due and payment credited, XXXX XXXX reported me over 30 days late when I paid the payment prior to the new payment becoming due now since they reported this inaccurate my credit drop 65 plus points
Product: Checking or savings account

My XXXX account with SoFi bank was restricted out of the blue. Another Account has been linked to the XXXX account which had no funds in it. 

When completing transfers from XXXX Saving to Checking in the app the option to deposit from the external account would show and sometimes be clicked. This action is also uncancelable. 

When contacting customer service, was given no specifics about the restriction, only to check back in an indefinite time.
Product: Debt collection

This company, FJS Global is using threatening language, stating they will garnish my income and put a lien on my vehicle. They are violating the FDCPA rules not stating they are a debt collector. The voicemail provided lets you hear how they threaten me. They also never provided me with information regarding the debt I owed. They sent it to the wrong address. When I tried calling and talking to them XXXX was horribly rude, she talked over me and wouldn't listen to me. I've requested they stop calling me but they won't.
Product: Mortgage

On Wednesday, XX/XX/2023, I called AmeriHome Mortgage to get a payoff amount for my note. That payoff amount was posted in my documents in my online portal. It had the payoff amount that was due on XX/XX/2023 plus an additional daily fee of {$110.00} per day after XX/XX/2023. On XX/XX/2023, I sent a wire to AmeriHome in the amount of the payoff plus the {$110.00} due to it being the next day. The wire arrived after XXXX, so AmeriHome viewed it as short and expected another {$110.00}. They did not call. The did not provide any information on this in the portal. I called customer service on XX/XX/2023 and spoke to an agent who said it would be fine and that it takes a day to process wires received after XXXX XXXX on the previous day. Lo and behold, On Monday XX/XX/2023, I called customer service again because the rejected wire was not put in my bank account due to what they called the short amount of {$110.00}. I spoke to an escalation agent - XXXX ID XXXX XXXXXXXX and he said he would be sending the wire back, he was opening up a case and that he was filing a complaint on my behalf. All of which was not done as of XX/XX/2023 ). XXXX said that the " short wire '' amount would be returned to my bank account in 24 to 48 hours. That means at the latest, the wire transfer should have been received back in my bank on XX/XX/2023. On XX/XX/2023, the money is still not in my bank account, no case number had been opened, no complaint was filed and no answers were provided in writing, in a phone call, an email or a letter. AmeriHome held my money for a week and that costs me {$110.00} per day in interest. This is fraudulent and deceptive as the money is not theirs and by holding my money and delaying its return, they in essence maximize the amount of fees they are able to generate because each day that goes by costs me {$110.00}. There is no reason that they should have held my money as soon as they claimed it was short. It was wired to them and they should have wired it back. They are deceptively creating additional fees that is costing me real money and there is zero communication about the resolution from the company as of XX/XX/2023. Buyer Beware!!!
Product: Credit reporting

Equifax is refusing to remove incorrect disputed item from my credit file, whereby I am denied Home Loan from lender, XXXX XXXX XXXX.
Product: Debt collection

The account was charged off yet still on my credit report with balance of XXXX as of XXXX. This on XXXX. 
On XXXX the account on XXXX it was charged off plus sold.with no balance.. 
The credit or charged the debt off the sold it to collection agency. I am not liable for this.They should have sent a1099 taxable income on my end.. They did not do that.
Product: Credit reporting or other personal consumer reports

I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found.

Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being.

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment.

Ensure all future reporting adheres strictly to FCRA standards.

Provide written confirmation of the actions taken to correct these inaccuracies.

Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX