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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit card or prepaid card

My husband and I purchased " XXXX XXXX '' class tickets from XXXX XXXX to travel from XXXX XXXX   XXXX to XXXX on XX/XX/2020. Because of COVID-19, XXXX XXXX cancelled our flight and made multiple attempts to rebook us on other flights flying through various cities, sometimes on partner airlines ( e.g., XXXX, XXXX XXXX and with a reduction from XXXX XXXX to XXXX class. At no time did the airline consult with us on whether our ultimate itinerary could accommodate these changes or to offer compensation for the reduction in seat prices between the two classes of service. We made several attempts to reach resolution with XXXX XXXX, which was ( and still is ) charging us {$20000.00} ( see attached documentation ). 

When these attempts failed, I filed a dispute with my credit card company, Citi Cards, and I was granted temporary credit for the disputed amount pending an investigation of my claim. I was informed that, because I cancelled my plans, XXXX XXXX did not owe me a refund ( see attached ). I wrote back to Citi immediately pointing out the cancellation was not mine but XXXX XXXX 's ( see attached ). Since that time, I have received no further communication from the company with the exception of my monthly bill. I have e-mailed Citi several times and I called their Customer Service office, but the automated system terminated the call before I could speak with a Customer Service representative.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report I believe my information have been exposed because I have no knowledge of these negative accounts on my credit report I would like to dispute the negatives items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XX/XX/XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to raise serious concerns about discrepancies I found on my credit report. During my review, I identified several errors, including incorrect account listings, inconsistent billing, and accounts that are not mine. These inaccuracies are jeopardizing my financial security, and I need your immediate assistance to resolve them.
Product: Checking or savings account

Hi. I was the costumer of Citi bank. 
Im trying to get a loan from XXXX XXXX, but it was not original company. They posted on my account on XXXX or XXXX of XXXX fake check. And city bank close my account in XX/XX/XXXX XXXX. I was contact to the bank around 50 times about this situation and about my money which I get from my job ( direct deposit ) they told me, wait 60 day, I wait already 6 months and nothing changed. I had XXXX on my checking account and XXXX on my saving account, now, when I contacting to the bank, they cant check any information and sending me to the branch, in branch I also did not get any help, because they told me, they need to call to the fraud department, and still did not give me any solution, just every time when I contact to the bank, they told me, wait 60 days ... its co complicated ... please, help me to get my money back ...
Product: Debt collection

In Capital One 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies Capital One and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if Capital One were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Product: Mortgage

wells Fargo should forgive this loan due to the Fixed Rate Note and other documents.This is the legal loan note and the address is incorrect. Instead of two units at XXXX - XXXX XXXX Wells Fargo Mortgage Fixed Rate Note financed address XXXX - XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, CA which is 71 properties instead of two. 

Violations both federal and state legal regulation of mortgage. Document not provide consumer as the law required at at the time of the loan. 
Wells Fargo transfer the loan to XXXX  XXXX XXXX. Wells Fargo has not taken care of the matter as of to date.
Product: Checking or savings account

On XX/XX/2024 I received a call from a customer service representative of XXXX XXXX XXXX where I have my car loan. They communicated that the XXXX car loan payment of {$1800.00} was not received. I communicated that check # XXXX appeared chased on my account. XXXX XXXX XXXX requested the check image of the cashed check and I faxed it to them for verification. 
On XX/XX/2024 I received another call from a XXXX  XXXX XXXX representative to communicate that the endorsement was forged and they never received that payment. I immediately called Wells Fargo to communicate the check fraud information and opened a new checking account and closed account ending - XXXX. 
In mid XXXX, I received via mail the documentation to be completed by me so that Wells Fargo can resolve my fraud claim. The letter dated on XX/XX/2024 stated that I had 20 days to complete said documentation that I received by mail around 5 days post that date. 
On XX/XX/2024, I completed the documentation on the items under my control, including reporting to authorities the check fraud issue. The problem on the documentation is that Wells Fargo Claims Department has draconian requirements related to endorsement check fraud claims, where the payee has to sign the document and sign in front of a notary. There begins the back and forth between myself and XXXX  XXXX XXXX to figure out how they could support me in getting this completed. After weeks of back and forth, and the back office documents department ( emails sent ) not replying to my requests. 
On XX/XX/XXXX, a customer representative from XXXX  XXXX XXXX issued a letter from her system ( only they are able to generate ) that demonstrated the clear account and payment history information that shows they did not receive the XXXX payment. They hope this could be use as an alternative documentation to present to Wells Fargo. 
On XX/XX/2024 Wells Fargo issues a letter stating they have closed my claims investigation as they require for that Affidavit to be completed and notarized. 
I escalated this situation to the Branch Manager and set up an appointment on XX/XX/XXXX to address the situation and ensure proper escalations with District Manager and Complaints Department. 
We are in XXXX and Wells Fargo refuses to consider the documents I have attached as clear proof that the check was not received by payee and fraud occurred. 
This needs to be reported because there needs to be an improvement in the customer service experience of account holders at Wells Fargo. This process shows that our money is NOT safe in Wells Fargo because they refuse to ensure an investigation is occurring so they can further improve the safety mechanisms they have available for their customers. It is so unfortunate that I will need to cancel my business with Wells Fargo because they are losing my trust, and it is unfortunate because the staff in the branch I visit weekly have been nothing but supportive in looking for ways to intercede on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : 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. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Debt collection

On or about XX/XX/2021 Convergent Outsourcing, Inc contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to XXXX XXXX XXXX ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from Convergent Outsourcing, Inc with countless document associated with my credit file/report which I never gave them authorization to obtain. Convergent Outsourcing, Inc is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps illegally re-aging this account! Currently the date of last activity is XX/XX/2022. 

Also, TransUnion is listing this collection account as an open account, which is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the newly reported XXXX charge-off status of {$1400.00} on my credit report by XXXX XXXX XXXX I request an immediate re-investigation based on several critical points. First, XXXX XXXX has failed to provide the original signed contractual agreement that would validate the debt and confirm that the account belongs to me. The generic Card Member Agreement ( CMA ) they provided does not pertain specifically to my account, raising legitimate concerns about the authenticity and validity of the debt. Without the original contract, their claims remain unsubstantiated, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g, which requires proper validation of debt. Furthermore, XXXX XXXX 's claim that my account does not meet the criteria for issuing a 1099-C form is misleading. The fact that they reported the account as a charge-off suggests they may have claimed a tax deduction under IRC Section 166. If this is the case, continuing to report a balance on my credit report is inaccurate and deceptive, violating both the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and the FDCPA under 15 U.S. Code 1692e for false representation. The documents provided do not constitute adequate validation of the debt, as they lack the necessary contractual agreement, rendering the continued reporting of this charge-off unlawful. Additionally, I am entitled to statutory damages of {$1000.00} under the FCRA ( 15 U.S. Code 1681n ) for this inaccurate reporting, which XXXX XXXX has unjustly refused to issue. Given these violations, I request that the CFPB take immediate action to demand that XXXX XXXX provide the original signed contractual agreement, issue the necessary 1099-C form, and remove this inaccurate charge-off from my credit report. I also request that XXXX XXXX be fined accordingly, and I be awarded the {$1000.00} in statutory damages. I will also be reporting this issue to the IRS for a thorough investigation into the legitimacy of the tax deductions claimed by XXXX XXXX while continuing collection efforts. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting information that should not be reported on my credit. 

I do not owe XXXX XXXX {$1200.00}. I got a letter from them stating my balance is {$0.00} WHY ARE THESE CREDIT REPORTING AGENCIES REPORTING THIS INFORMATION? 

UNDER 15 U.S.C. 1681c ( a ) Information excluded from consumer reports ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status... 

THE NAME HAS NOT BEEN EXCLUDED FROM THESE REPORTS.
Product: Credit card or prepaid card

I was surprised when reviewing my credit report and found a 30 day late payment on XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

filed a dispute on Account # XXXX, XXXX XXXX, due to not reporting back with evidence and ignore the requests. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house & car, Experian violates my rights as a consumer as well as federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these Items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Collector IC Systems is committing FRAUD. Debt collector attempting to collect old debt that was never owed - services were paid for at the time rendered. Collector FRAUDENTLY alleges that medical services provider recently engaged them to collect debt that was paid at the time services were provided over 4 years ago - collector was rude, attempted to employ confusing tactics to dissuade me from questioning them on the debt, and ultimately failed to provide any real information - collector attempted to hide behind medical privacy reasons for failure to disclose nature of the debt IC SYSTEMS IS COMMITTING FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Nelnet for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with Nelnet since [ year ]. During that time, Nelnet has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

Nelnet has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, Nelnet has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that Nelnet remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. Nelnet has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX XXXX to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my XXXX account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or 15 ( d ) for your fiscal year ending XX/XX/XXXX your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX XXXX. This information was provided on your 10-K filed with the U.S. Securities and Exchange Commission XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The scoring system makes absolutely no sense. I reduce the balance on my credit cards and my score declines?!!. The disparity between XXXX and equifax is approximately 40 to 60 points if not more. There are address ( s ) on my profile where I never resided. I applied for a credit card and what was reported was different from what Equifax has recorded. This agency reeks havoc. It is beyond horrendous. This agency needs investigation AND STRICT OVERSIGHT ASAP.