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

I just filed a complaint against Equifax for incorrect information on my credit report. EQUIFAX is refusing to report correctly. It is my information. I have a right to it accuracy and the info. EQUIFAX was incorrectly reporting the verification that XXXX was included in the bankruptcy incorrectly. That XXXX was not included in the bankruptcy. EQUIFAX is required by law to report the information correctly. They still have the wrong dates reporting for the bankruptcy and the type, so by law it has to be removed. My report is not right the bankruptcy info is still wrong. They have tried several times to add it and can not get it right. It is unethical and illegal to report inaccurate information. The responsibility can not be passed simply because they are getting paid to report. My bankruptcy is an official record and the information can be easily verified.
Product: Checking or savings account

Wells Fargo created an unauthorized account that was opened from XXXX  to XXXX using my information and they are refusing to pay the invoice which has all the violation that were broking. I have all of the documents that show what they did as well as the current letters that Wells Fargo continues to be exposed for there terrible practices of being a financial institution. I also I know that all the unauthorized information that was send to the FDIC is also wrong which makes this matter worse. The executive refuse to talk about the matter and continue to try to throw my matter under the bus. I kno for a fact that Wells Fargo is still doing bad buisness and in my matter they have been doing it for along time, I have been dealing with this matter sense XX/XX/XXXX and thru all the pain an suffering they still wont come to and agreement. I have everything in document. Even the executive admitted to the violation her name is XXXX XXXX and I have it documented she was supposed to get back with me but never did. She admitted over the phone that is was a unauthorized account created without my consent. Not to mention there was another party in the account who I didnt even know. XXXX XXXX XXXX Again they are ignoring my matter because they know I have 2 years before the statue of limitations takes place and they are refusing a remedy for their actions This is unlawful as well as unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying! I am so dazed about this situation. I have submitted the same complaints XXXX times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. EQUIFAX has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FINANCIAL SER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report
Product: Credit reporting or other personal consumer reports

This account was corrected. 

It is paid in full and closed.
Product: Credit reporting or other personal consumer reports

I disputed this account, and the company reported it would fall off this XX/XX/XXXX. Now it's reporting again with an updated date of delinquency that the account was not in default status until XXXX which is incorrect and will remain being reported on my credit until XXXX. This account is over 7 years old, and they have re-aged the debt which is illegal under the FDCPA. I have attached proof that this is reporting in different ways. Nor did they ever send a validation of debt in which it was previously disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I stated that inaccurate late payments are being furnished on my report that needs to be removed. Per my request the information came back as : Meets FCRA requirements and has not been removed. HOWEVER, THE FOLLOWING INFORMATION IS IN VIOLATION OF 15 USC 6802 OF THE GLBA. MY NON-PUBLIC PERSONAL INFORMATION IS BEING FURNISHED TO NON-AFFILIATED THIRD PARTIES IN WHICH I NEVER GAVE LAWFUL CONSENT TO DO. As a result, this information being reported ruined my financial reputation and is in violation of 18 USC 894 of using unlawful extortionate means in which you can be held criminally liable for 20 years. These late payments need to be removed immediately as this is a breach of my privacy. Nothing under the FCRA requires the furnisher to furnish any negative information about me so furthermore, I am requesting the name of the person who verified this information was accurate as if they have lawful authority to do so as well as their telephone number and address. This is my last attempt to settle this matter before taking legal action for willful non-compliance for not following reasonable procedures in making my report fair and equitable to me the consumer
Product: Student loan

I received a call from a clear start on XX/XX/20 saying that i can join an income based student loan forgiveness program which i accepted. They said i would be charged {$240.00} a month for 4 months than it would be {$78.00} a month. I recently contacted my student loan company and they informed me that i was scammed by Clear Start because their is no fee for income based repayment plans.
Product: Checking or savings account

I am frustrated with the customer service on the phone call with XXXX and XXXX who were rude and unprofessional making demands instead of requests on XX/XX/2023. I am still waiting for a supervisor to file a complaint against both XXXX and XXXX. 

Since there are 4 {$10.00} service charges assessed to my account, I am requesting a one time courtesy to waive the service charges as a good will courtesy. I am highly dissatisfied since I no longer have access to the phone number associated with the account and the only way to resolve the issue is to go inside the branch which is unreasonable. 

There must be another way to authenticate the account for convenience purposes. I also did not receive the {$250.00} bonus for the promotion. I am disappointed at the wasted time and I will be telling others not to bank with Bank of the West in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response stating the inquiries are a factual record of file access. I am requesting that you provide me with the descriptions of procedures used to investigate my inquiries in compliance with the FCRA, Section 611. As a matter of convenience, I am resubmitting my request to correct my credit report. XXXX / XX/XX/2020 *XXXX XXXX XXXX XXXX / XXXX XXXX *XXXX XXXX XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020. These inquiries are not valid. They should be treated as Fraud.
Product: Debt collection

Hunter Warfield ( HW ) has been trying to collect on a {$3100.00} debt that I do not owe to them. I went to court for this debt and a judge signed off on an order that clearly states that I do not owe the Original Creditor ( OC ) any amount of money. The OC never tried to contact me about anything after this court date and a few months later I get a letter from HW. I requested debt validation and they sent some documents but none of it included the court order signed by judge. This item is ruining my credit report and by court of law I do not owe the OC so I do not owe HW. I have disputed this item multiple times and they will not remove it and they continue to verify this debt as accurate with the credit reporting agencies. I would like this collection removed from my credit report immediately.
Product: Checking or savings account

I had placed an order from XXXX, they did not deliver all of the items so the delivery person took everything back and the order was cancelled. On XX/XX/year> my account was charged XXXX. The money was never refunded back to my account. I had filed XXXX disputes with PNC Bank and they keep sending me letters back that this dispute is ended that XXXX said everything was correct. I had sent proof that the order was cancelled and I even spoke with customer service at XXXX and spoke with XXXX who said I was right the money was not refunded and I would receive a call from XXXX, but that never happened. My last dispute was last week and I am now going to get the same response from PNC, I had sent copies to them showing the order was cancelled but they can not show me when the money was refunded and I am back and forth with their customer service. The reference number for my dispute is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 I viewed my consumer report and noticed that there are several accounts that are not reporting accurately. According to the FCRA all accounts must be verified and 100 % accurate. As a consumer I am protected my congress, I've requested all three disclosures with my writtten consent and signature. U.S.C. 15 1681 ( a ) section ( 4 ) staes " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer right to privacy.. Please remove all the accounts listed from all my consumer reports immediatey to prevent future litigation. 
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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by Experian. In light of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian for allegedly providing false information on consumer credit reports, I am deeply concerned that my credit report may contain errors that are unjustly impacting my credit standing. 

Upon reviewing my credit report, I have identified the following discrepancies : XXXX. [ List the specific inaccurate items, including the creditors name, account number, and the nature of the error, e.g., incorrect balance, falsely reported late payments, accounts that do not belong to you, etc. ] XXXX. [ Provide any supporting details or documentation that contradict the inaccurate information, such as bank statements, payment records, or correspondence with creditors. ] Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate these disputed items and correct any errors. I request that you : Conduct a thorough investigation into the disputed items, Provide me with a written response regarding your findings, and Remove or correct any inaccurate, incomplete, or unverifiable information. 

If Experian fails to correct these inaccuracies, I may escalate this matter with the CFPB or seek legal action to ensure my credit report reflects accurate and fair information. Please respond to this dispute within the legally mandated XXXX timeframe. 

Enclosed are copies of my identification and supporting documents to facilitate your investigation. I expect prompt resolution and confirmation that my credit report has been updated accordingly. 

Please contact me at [ Your Phone Number ] or [ Your Email ] if further information is required. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I disputed a transaction on Well Fargo where I returned a Merchandise to XXXX via mail but i was never refunded. The issue was that after making the return, two weeks past and I called XXXX and was told they had no record of me making a return. I called wells fargo and gave the transaction amount, date of return, date of delivery and even offered to fax them the shipping label that XXXX emailed to me but they said that was fine. This was reported on XX/XX/2023 and upon checking my claim wqas closed an denied XX/XX/2023. If i provide all evidence how can my claim be denied??. the claim amount was for {$1300.00}. This is very dishearting and I look forward to no longer continue business with them. My money does not feel safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a copy of a letter I received from experian credit reporting agency in regards to information that is fraudulent and reporting on my credit report. I have disputed this account numerous times and keep getting the same response. I did not make these fraudulent charges and should not be held responsible. It is also damaging my credit score and credit worthiness having this account on my report. Today they send me this letter stating unless I have additional information they will not re-investigate this for me. It is my right to have this investigation done as many times as I need it done untill it is confirmed I did not do these charges. XXXX  did an investigation and it came back to remove off my report. Experian has no right to tell me they wont investigate again
Product: Checking or savings account

Wells Fargo got mad at me for reaching out to you guys.. Denied my recent dispute and closed my account without doing proper investigation..
Product: Student loan

I went to XXXX schools XXXX  which loan dispensed was roughly XXXX, I went to XXXX which loan dispensed was roughly XXXX. I went to XXXX which loans totaled XXXX. From my understanding we can only take out XXXX in student loans. I consolidated these loans together and somehow somewhere I see my total is XXXX in loans!?! XXXX was paid to EDFinancial and now I still owe XXXX and Im at a loss as to how that is true, when thats the bulk of my loans?! Ive asked for proof and they just said it hasnt all been added yet, youll receive an itemized statement. But I received an itemized statement. The website just says XXXX consolidated loans with no info on the loans that are left, where they originated and how much they were. When I go to the department of education I see the same thing. XXXX consolidated loans, lots of payments but no break down. Ive tried to call but theres a XXXX hour wait. I tried to email and I just got an email back weeks later that said cause thats for the consolidated loans. But XXXX was part of the consolidated loans?!?! It wasnt separate. I responded and they never responded back. While on the phone that day, I set up a Payment plan I was told I only owed XXXX XXXX XXXX a month. I was not told I needed to send in documentation, I was just told I qualified for the XXXX XXXX XXXX  a month. I received an email today stating that due to not providing the required documents I no longer qualified and my payments would be XXXX. I tried to reach out and of course closed and Im sure XXXX  will be a XXXX hour wait on hold. I tried to qualify for help again through the student loan website and I only qualify for a XXXX XXXX  payment! No one is answering my questions, no one is sending me an itemized statement and I cant figure out how I took out XXXX in loans when the limit is XXXX in XXXX! I cant get an itemized statement from anyone to prove I do in fact still owe this much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX which was XXXX  XX/XX/XXXX. XXXX still shows the mortgage loan pen with a past due amount of $ 85,000+ and shows delinquency after the discharged date. It shows in XXXX still being delinquent. I need this fixed on my credit report ASAP XXXX/XXXXXXXX XXXXXXXX fixed their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX has verified as accurate. How is this account accurate if the term duration is in accurate, as well as the open date, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting method of verification according to the Metro 2 Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CITIMORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CITIMORTGAGE with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

i am reporting an identity dispute involving inaccurate information on my credit report for account number XXXX. The inccorect details are causing significant issues. According to 15 U.S. Code 1681i of the fair credit reporting act, i request that this incorrect information be removed within 4 days. i have provided supporting documents to verify my claim. please address this matter urgently.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am a natural person and living human being, I have rights under 15 USC 1681. 

XXXX and XXXX are govern by 15 USC 1681. And they have violated my rights numerous of times. I demand that these accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX or XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I bank with Regions Bank. I recently had overdraft fees of {$100.00} for XXXX items, XXXX of which is pending and the others have posted. Regions charged me overdraft fees for items covered by funds. There is also a credit to the account today while the transaction is pending that will cover the transaction. When calling them I asked how and why I was charged for {$100.00} for XXXX transactions rather than {$36.00} for the XXXX transaction that is a pending overdraft, they stated that it was because they did n't know how much it would be for, so they charged all items clearing and transacting that day. They stated that many people call in with the same issue all of the time. I explained that on the account ledger it looks like i was charged a fee even though the previous transactions cleared with a positive posted balance. Regions is ripping people off by charging exorbitant overdraft fees for previous transactions even when money is in the account to clear the transactions. The policy is ruthlessly arbitrary to customer 's bank account and funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Checking or savings account

On XX/XX/2020, I made a ACH payment to XXXX credit card. I checked my account and had the funds in my account. All my other payments had been made on XX/XX/2020. All of those payments had cleared or should have cleared. XXXX ACH payment took less than a day. I want to know why my payment did not go through when the money was in my account when I checked. I want to know what my balance said for that day and time that I made the {$43.00} payment to XXXX.