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

I am writing to file a formal complaint against Experian regarding their failure to investigate the inaccurate items listed on my credit report, despite my documented efforts to rectify the situation. On XX/XX/XXXX, I sent a certified letter via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Experian, requesting an investigation into items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. Despite diligently providing all requisite information and adhering meticulously to the channels mandated by the Fair Credit Reporting Act ( FCRA ), Experian has regrettably failed to acknowledge or address my dispute within the stipulated timeframe. I've spared no effort to uphold the accuracy of my credit report and safeguard my financial reputation. However, Experian 's lack of response and apparent disregard for my consumer rights became evident due to their failure to provide investigation results within the expected period. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to XXXX as proof. I am now demanding Experian immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2017 Balance : {$XXXX}.
Product: Credit reporting or other personal consumer reports

My privacy rights have been violated. Banking terms signed state my right to privacy and further state that the company does not share information with third party. Yet every month for the past 20 years, the Department of Education has shared my loan transaction and account balance information with third party credit reporting bureaus. This is a blatant violation of the banks own terms. It is the fiduciuary responsibility to keep my information private, and nit my information has been subject to various data breaches.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX. 
To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process.


The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.
Product: Bank account or service

XXXX has TAX SHELTER ANNUITY ( XXXX ) with XXXX account XXXX with the XXXX as the custodian. This Bank was renamed to XXXX BANK ( XX/XX/XXXX ) then to XXXX ( XX/XX/XXXX ) then to XXXX BANK ( XX/XX/XXXX ) then to BANK OF AMERICA. Bank of America can not locate this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXXXXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX  XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/CARECR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Vehicle loan or lease

I have an auto loan with PNC bank, originating in XXXX. I have always made timely payments. The payment is usually due on the XXXX or XXXX of the month, but I am unable to pay my monthly installment until the last day of each month. PNC continues to call and I have advised PNC reps with no issue of this situation. PNC continues to call every day, sometimes twice per day on my cell and my work phone. I have asked PNC reps to refrain from calling my work number, but they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX   they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX  denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error
Product: Student loan

Hello, I am a XXXX  XXXX through the XXXX XXXX XXXX. My client, XXXX XXXX, attempted to rehabilitate his loans with National Recoveries Inc. on XX/XX/19. We were on hold for 50 minutes and were then disconnected from the line. We called on XX/XX/19 and have been on hold now for 30 minutes. I expect we will be disconnected again. It is now the end of the month and will be missing out on the XX/XX/XXXX payment if we are not able to connect with them. My client in good faith saved a small lump sum to make 9 monthly payments. We attempted to file a complaint with the National Recoveries and we received an error on the web page. 

We called the XXXX XXXX XXXX to discuss what can be done, but they were experiencing a high call volume and we could not connect with them. 

He is trying to correct his defaulted loans, and it has been a frustrating situation to deal with.
Product: Credit reporting

I disputed a settled account with XXXX XXXX on my Equifax file. Instead of showing the balance as zero after settlement, they left a balance of {$150.00} on the XXXX XXXX trade line. I provided a copy of the settlement letter.
Product: Credit reporting

I 'm complaining against this company for many reasons : # 1 I continue to receive documentation stating that these accounts are verified and yet I have proven that they are not - Equifax reports many of these accounts with historical payment data that clearly shows that I have been paid as agreed and yet reports the accounts with balances, collection statuses and other inaccuracies. I point this out and send the PDF reports as well as screenshots and still receive the same information each month with no difference in reporting. 
# 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney
Product: Checking or savings account

On XX/XX/XXXX, XXXX closed my account without notifying me. I had an instacash payment from them that is stated in their terms I am not obligated to repay. Since my account was deleted without me knowing, I don't have documentation of my request to stop payment. XX/XX/XXXX they charge my Chime. XXXX I dispute with Chime and follow up with XXXX via email. After informing them the money is for Mom 's medicine, they replied that the payment was returned and no further attempts to collect would be made on XXXX. Dispute is denied with request for supporting docs, none rec 'd. Filed 3 rebuttals to date, the latest being now with others denied with no docs. XX/XX/XXXX XXXX confirms the payment was returned via email. Apparently they are either not communicating or I'm being given different information. I've been told by chime that they saw no attempts to return, and others said they see the attempt but chime did not accept it and even had supervisors tell me there was no attempt made and hung up on me. I feel Chime has dropped the ball, as my supporting evidence is indisputable but apparently overlooked. Furthermore I feel as though Chime should provide me with a credit and reach out directly to XXXX strictly about the transaction and not the dispute and get this resolved. I'm at almost 3 weeks waiting now.
Product: Credit reporting or other personal consumer reports

Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX Account XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 

According to 15 USC 1681 s-2, XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you,
Product: Mortgage

I have had my mortgage 20 years with WF. XXXX  mortgage i pay 1/2 monthly payment every two weeks auto debit. Yesterday. payment just adjust to a new bi-weekly principal and interest pay {$1700.00}, making the new monthly payment {$3700.00}. Previously, my bi-weekly payment was XXXX and monthly was XXXX. This is almost a $ XXXXmonth increase. It is an old loan they acquired from World Savings and they don't understand it. At the above rate, i will pay off my XXXX principal balance in less than 5 years, but i have a 30 year mortgage and i want it for the full 30 years. Just yesterday i had the first " new '' bi-weekly payment taken out and i need it to stop ASAP please. I have no comfort level in WF taking care of this properly or timely as i have received no calls back and have had to call them. I notified them XX/XX/year> and each day since and there is no sense of urgency on their part. I can not afford to have the next bi-weekly payment taken out and i don't think they understand. My credit and mortgage history or impeccable and my wife and i are now terrified. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that Equifax has not updated a late payment for XXXX XXXX  to current, even though it is shown as current on my Equifax credit report. The late payment is incorrectly listed as XXXX late payments, 60 days late, and 30 days late for the same month. This kind of double jeopardy discrepancy can be very detrimental to my financial health and constitutes a violation of my rights under the FCRA. 

Please update the status for XX/XX/year> from late to current. I have attached all relevant proof from my Equifax account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account NumberXXXX 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 reporting, credit repair services, or other personal consumer reports

I sent a letter to to XXXX on XX/XX/XXXX and have not gotten a response in the letter i was stating that the information they were reporting on my credit report is incorrect the name on my credit profile is incorrect the CORRECT and only name i go by is XXXX XXXX any other spelling of my name should be removed and deleted also XXXX is reporting that my year of birth is XXXX this is completely WRONG, my correct Year of birth is XXXX Also there is an account reporting on my credit report from a companies named XXXX XXXX XXXX this account does not belong to me and needs to be deleted off my credit report, also any other address reporting on my credit report is inaccurate and needs to be removed the only accurate and up to date address that XXXX XXXX XXXX is and should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We are writing in hopes that you may be able to assist us with an issue we are having with Wells Fargo Bank. 

We are a XXXX XXXX XXXX XXXX  in our tenth year of business, that has been hit during the pandemic. We provide musical theatre, acting and voice lessons, and also the opportunity for children to perform. This is a high-risk business as it involves singing, dancing, and acting indoors. As a result, we have not had children in our space since early XXXX, and are in the process of vacating our brick and mortar studio space as we try to hang on with an online platform. 

We signed a 60-month lease in good faith, for a copy machine with Wells Fargo bank. We have 42 months left on the lease of the machine and they will not let us return the machine or negotiate an early lease payout. We are well aware of the shady practices Wells Fargo has engaged in in the past and given the circumstances feel this is a cruel and unnecessary burden to put on a business facing the losses we are facing. The service company that provides the machine and supplies the paper is happy to take it back and cancel the lease but their hands are tied. 

The machine is an XXXX pagewide model # XXXX and is provided and serviced by XXXXXXXX XXXX   out of XXXX, Ct. The lease is through Wells Fargo at {$78.00} per month and they insist that we continue to pay for it for four more years despite that we have no use for it now. XXXX XXXX has been sympathetic and have lamented that many of their customers have received this kind of rigid hard-line treatment from Wells Fargo. Wells Fargo certainly didn't have a problem taking the bailout when they needed it from the government. 

If there is anything you can do on your end to persuade Wells Fargo to do the right thing and let us out of our lease, or at least provide a compromise buy out, we would be so grateful. 


XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$540000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}
Product: Mortgage

Mortgage company is not releasing escrow surplus refund afterhome has been sold for over 60 days.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late year XXXX
Product: Credit card or prepaid card

I transacted with merchant ( XXXX XXXX ) for {$1000.00} on XX/XX/2021. The merchant was unable to fulfill service and promised a refund of {$94.00}. After calling and e-mailing the merchant and receiving no response I opened a dispute with Barclays for my Jetblue Card which was used for the transaction. 

The merchant contacted me and offered to send a check but asked that I close the dispute. I did not want to close the dispute prior to a formal resolution for fear that the merchant would not fulfill the refund. Barclays subsequently closed the dispute although I informed them that I rather the refund be issued to the original payment method which was my card product. After the closure the merchant failed to issue the refund of {$94.00}. 

I contacted Barclays and informed them and asked for the dispute to be reopened. It is now XXXX and I had to contact Barclay for an update to the status of my dispute. They once again closed the dispute simply because the merchant told them I declined the refund and that they had attempted to contact me. They did not validate these claims with me; had they contacted me they would know that the merchant has not reached out to me, nor have I formally decline any refund with the merchant. 

As of XX/XX/2021 I contacted Barclay 's twice regarding this dispute and both times the agent hung up on me. I have received NO call back. This is obscene. After the first closure, Jetblue reversed the chargeback which required me to make payment on a disputed transaction or risk impact to my credit history. I have provided sufficient documentation that shows I initially acquiesced to the merchants offer to refund me via check ; however, I believe 3-months for the issues of a check is unheard of. Additionally, Jetblue has required no substantiating proof from the merchant that they have issued and/or intend to issue the check. They have informed me it is now my responsibility to contact the merchant.