23daVinci/CFPB_Complaints huggingface dataset:
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Debt collection

In XX/XX/2018 I found out that there was a joint account opened by ex-husband under my name without my consent or any signature obtained by me for {$30000.00}. During divorce proceedings, my ex-husband signed legal documents taking full responsibility for payment of the loan and he had stated that after speaking with the loan company they informed him that after a couple of months of monthly payments my name will be removed. My name was not removed and Lending Club Co is contacting me for payment of a loan that was fraudulently opened under my name using my personal information. I am baffled that a loan for that amount can be opened without my consent or any signature.
Product: Student loan

I called my XXXX XXXX XXXX asking for my transcript because I am transferring to another school, but they told me that I have a hold on my transcript and account so I will have to pay about {$1900.00} to get my transcript hold removed to receive my official transcript to play football at my old school
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I demanded a validation of debt, per USC 1692g Sec 809 a and b informing both XXXX and TransUnion that this account was not mine. Neither company validated the debt is mine. 

On XX/XX/2024, I sent another letter demanding validation, and Neither company has validated the debt as mine. I included an FTC identity theft report ( XXXX ) informing both XXXX and Transunion that this account is not mine and was opened by identity theft and demanded that it be removed immediately from my reports. 

XXXX and Transunion have negligently continued to state this debt is mine despite the evidence proving otherwise. This is a clear violation of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts : 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 has violated my rights. 

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
Product: Credit card

Phone Calls XX/XX/2024- Call Citibank to see why automated payment didn't go through. They tell me to talk to XXXX. 
XX/XX/2024- XXXX XXXX, they say they have one record of attempted payment for amount specified ( {$20.00} ) for any of their accounts bank-wide that clearly does not seem to be me. XXXX rep comments that perhaps this is related to the XXXX incident ( this is the only reasonable explanation I've heard so far ). 
XXXX XXXX XXXX- Call Citibank after deleting and re-adding autopay bank details and scheduling a payment for {$20.00} - they assure me that all the other charges will be reversed XXXX XXXX XXXX  - Call Citibank again after seeing my account still had a balance even though the {$20.00} payment has gone through. They claim they can not do anything at this time, open some sort of " investigation '' XXXX XXXX XXXX - Call Citibank again, it seems the " investigation '' was investigating the wrong thing, or didn't uncover new information. I am not clear on what exactly happened here. The customer rep states they can not refund all the charges at this time, that I will have to call back in a few weeks to get the final charges removed. I offer to pay the outstanding balance ( {$1.00} ) if they will CLOSE the account. This is what we do Emails : XXXX XXXX, XXXX  - I received a Payment posted email, the amount is {$20.00} XXXX XXXX, XXXX  - I receive a Payment rejected email - this is why I call on XXXX XXXX XXXX XXXX XXXX XXXX - I receive many emails as a result of my initial 3 calls to Citi and XXXX and the activity I initiated on Citibank 's website ( initiating re-payment of {$20.00} and re-enrolling in autopay ). 
XXXX XXXX XXXX  - I receive an email saying I need to call Citibank customer service- this is responsible for my call on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I receive an email thanking me for my payment of {$1.00} XXXXXXXX XXXX XXXX  - I receive an email confirming my account closure request.

XXXX XXXXXXXX XXXX - I receive an email noting a transaction adjustment of {$20.00}. XXXX XXXXXXXX XXXX - I receive an email noting a transaction adjustment of {$0.00}.

XXXXXXXX XXXX XXXX - I receive an email telling me I have a new statement balance of {$22.00}.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 u.s. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 u.s.code 1681i ( XXXX ) treatment of inaccuracies or unverified information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Please remove accounts immediately!
Product: Debt collection

I already spoke with this company and they said they would send me something in the mail its been several months and they said the collection would be removed. Yet it still shows on my report.
Product: Credit reporting

I sent in dispute on this account not being mine. It has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the deletion of a XXXX XXXX  charge off account from my XXXX credit report, which was originally disputed by me. The dispute investigation was concluded on XX/XX/year>, and XXXX has confirmed that the account was completely deleted from my XXXX credit file. 
As a result of this deletion, I believe this account is now considered unverifiable by XXXX, and I am requesting that you promptly remove this account from my credit report as well. I am entitled to accurate and complete information on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by a credit reporting agency must be accurate, timely, and verifiable.

Legal Rights : 1. FCRA Section 1681i : Under the FCRA, you are required to ensure that any information you report to credit bureaus is accurate and complete. If an account is found to be unverifiable, as in this case, it must be removed from the credit report.

2. FCRA Section 1681e ( b ) : You must maintain procedures to ensure the accuracy of the information you report. If an item is not verified or is inaccurate, it should be deleted or corrected within 30 days from the time of dispute.

3. Right to Sue : If this account is not removed or corrected within 30 days of receipt of this notice, I reserve the right to take legal action under the FCRA, which could include filing a lawsuit for violations related to the failure to remove inaccurate or unverifiable information. This can result in claims for actual damages, punitive damages, and attorney fees. 
I expect that, in light of the XXXX deletion, you will proceed with removing this account from my credit report within 30 days of receiving this letter. Please confirm in writing when the account has been removed or provide any supporting documentation that indicates why the account has not been deleted. 
Failure to comply with the FCRA and resolve this matter in a timely manner will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and exercising my legal right to seek compensation. 
Thank you for your immediate attention to this matter. I expect a resolution within the legal timeframe, and I will be closely monitoring my credit reports for compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal and deletion of the unauthorized inquiries listed below : 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, credit repair services, or other personal consumer reports

I am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, Thank you.
Product: Checking or savings account

I deposited my IRS tax refund check at my local branch. They told me there would be a hold. 3 days later Chase Bank put my account on restriction blocking my access to any money. After a dozen phone calls they are stating that they received the funds but are waiting for an email response from the treasury dept or their clearing house ( depending on which version they have told me ) to verify that my name is the correct name on the check. They are now going to close my account. Put that deposit amount in suspension until which time they get the email response. Attached is the only documentation I have received from them
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got charged on interest on XXXX $ Instead of XXXX what I actually owed on my card.My payment saver amount was XXXX In that month.I sent XXXX to them before the due date and I sent XXXX a day later after the due date.They claimed that I owed them interest on XXXX in that month.This company lost my XXXX in this month on my checking account and now they try to rip me off again.This is a Capital One credit card.The rest of the amount what I owe has a special 0 % until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a settlement offer from XXXX XXXX/XXXX  for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of XXXX credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 XXXX reported the account as an open charge off with a balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint number XXXX was closed incorrectly. 
Experian claimed they needed my contact information however, all of this was provided to them through the CFPB website AND AGAIN HERE TODAY. This credit reporting agency is attempting to resolve their complaints swiftly by closing the case rather than reading the data to make their metrics look well. MEANWHILE ITS CAUSING ME TO NOT BE ABLE TO GET A HOME LOAN. RECTIFY THIS IMMEDIATELY. I HAVE BEEN DEALING WITH THIS CREDITOR FOR 2 YEARS NOW TO REMOVE THIS. I HAVE HAD ENOUGH. 

YOUR COMPLAINT A # XXXX XXXX XXXX XXXX Acct. removed from XXXX on XX/XX/XXXX for incorrectly reporting data under my name. Creditor by law must stop reporting to all credit bureau agencies. To date the creditor refuses to remove from Experian and XXXX report. 
Sent to company Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your specific disputes, your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Mortgage

In contrast to as recent as XX/XX/XXXXthe Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against Wells Fargo Mortgage in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX XXXX, XXXX XXXX  and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to XXXX XXXX. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX  Bankruptcy Court .

In the case of XXXX XXXX, we have served written letters ( see attached ) begin XX/XX/XXXX to cease and decease all collection attempts on our Wells Fargo Mortgage Account since XXXX XXXX is third party to a debt already in dispute with Wells Fargo Mortgage, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, Wells Fargo Mortgage in its deceptive attempt to unload a questionable debt to a third party debt collector XXXX XXXX  which in turn recruited XXXX XXXX  an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX  District of California. XXXX XXXX   on behalf of Wells Fargo Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXXt, XXXX XXXX XXXX XXXX

In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX  Bankruptcy Court.
Product: Credit reporting or other personal consumer reports

For over the past many years. I Have been going by the book on hoe to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.
Product: Mortgage

I have a mortgage with Rocket Mortgage which governs my principal, taxes, and interest payments through a mortgage escrow account. I make monthly automated payments on the XXXX of each month through my bank. I am current on all escrow shortages and monthly payments. 


My mortgaged property is part of a small municipality called XXXX XXXX which has a XXXX XXXX to pay the water and sewer use per property. The XXXX XXXX is exclusively the domain of the XXXX. There is no other government agency overseeing or involved in its operations or reporting. They bill property owners {$370.00} six times yearly, every other month. They charge a very small interest fee if you do not pay upon receiving each bill. The bills are for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I pay my bills in XXXX and XXXX. 


I paid my water bill in full on XX/XX/year> via paper bank check. The XXXX managed cited that it was received on XX/XX/year>. The check is posted to my account as paid. 

Rocket Mortgage reviewed the taxes page of XXXX XXXX and the Water/Sewer page. They saw my three open water bills and also made a payment on XX/XX/year> out of my Mortgage Escrow Account. This is an account utilized solely for the payment of my Mortage Principal, Taxes, and Insurance... NOT UTILITIES. 


I called and spoke with two representatives on XX/XX/XXXX as that was the date I received the Escrow Account Shortage notice sent to me via USPS. I inquired why my water bill was paid by my mortgage escrow account. The representatives offered to bring my questions to the escalation team as they had no answers. 


The escalation manager XXXX and I spoke on XX/XX/XXXX and she insisted that my open Water/Sewer bills were tax liens. I insisted that I have no tax liens for any reason open on the property. She said she sent me the webpage dated XX/XX/year> to show my open bills... she ignored the fact that the top of the page clearly states WATER/SEWER.

Rocket Mortgage is demanding that I replenish the Escrow Account, and that this will affect my future mortgage payments by up to 19 % because they are declaring this as a tax lien. 


I did not give them permission to use my escrow account for any reason other than the mortgage, taxes, insurance. There is no aspect to my mortgage agreement that this will be used to pay the private XXXX XXXX set up in the XXXX. How do I get them to stop this predatory practice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX - XXXX XXXX XXXX and XXXX - XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.