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

I am writing to formally file a complaint against Experian regarding their handling of fraudulent accounts listed on my credit report, as evidenced by Report number XXXX dated XX/XX/2024. 

Experian has recently provided investigation results for all disputed accounts, stating they are " VERIFIED AS ACCURATE. '' However, I am deeply concerned about the lack of transparency regarding the verification process and the method used to validate these accounts as accurate. Despite numerous attempts on my part to provide comprehensive documentation supporting my claim of fraud, Experian has failed to disclose how they verified these accounts. 

Furthermore, Experian 's repeated requests for documentation already provided raise serious concerns about their compliance with legal requirements and their commitment to resolving this matter in good faith. Despite confirmation from multiple representatives that the necessary documentation is on file and the investigation is ongoing, Experian continues to send duplicate correspondence, causing unnecessary delays and frustration. 

In light of these actions, I have sought legal representation to facilitate the dispute process. However, Experian 's failure to address this matter in a timely and transparent manner suggests a deliberate strategy to evade their legal obligations and prolong the reporting of these fraudulent accounts on my credit report. 

As my last attempt to resolve this issue, I am prepared to take legal action against Experian if necessary. I have included all correspondence, both from myself and my attorney, sent to Experian in an effort to resolve this issue. I urge the Consumer Financial Protection Bureau to intervene and ensure Experian adheres to the law by promptly removing these fraudulent accounts from my credit report and providing transparent documentation regarding their verification process. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Debt collection

XXXX XXXX was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX   XXXX  Attached to this complaint or four  different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX  XXXX. I repeat these are only missed calls and they are all from XXXX XXXX  in the last few days
Product: Debt collection

Debt collector has refused to supply the date of service for the single account totaling XXXX that they claim was sent to them by XXXX XXXX XXXX opened XX/XX/2023. XXXX has no account totalling that amount. Debt collector got mad is trying to lump several accounts together i an effort to circumvent the law and have things go back on people 's credit report. XXXX XXXX sends accounts individually and does not lump them together and it doesn't matter how any accounts i have under XXXX, they can't lump them together.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase using Affirm 's installment plan with a merchant called XXXX XXXX. This merchant is a scam and predatory, they are charging me a 20 % restocking fee that was not stated in their return policy for a return claiming that it was past the XXXX drop off window which is also not in their return policy. Their return policy only states the return must be initiated within XXXX  days of delivery. I initiated my return within XXXX  day of delivery and dropped off the return within XXXX  days - I provided a receipt. So on both accounts I am within the return window. They are purposely misleading customers by stating the XXXX  day window is to initiate the return and then enforcing a XXXX  day return window for dropping off the package in order to get back the merchandise and still keep 20 %. The 20 % restocking fee was not in their return policy, I have screenshots of this, and only after I created a dispute and called out the merchant on this, they then added a section about restocking fees to their website. I have reopened the case multiple times with affirm to protect my purchase, each time they rule in the merchants favor only stating that the merchant is acting within their return policy which simply isn't true. They are also not providing me with the " evidence '' the merchant has provided. 

Date of Purchase : XX/XX/year> Date of Delivery : XX/XX/year> Date of Initiating Return : XX/XX/year> Date of Return Drop Off : XX/XX/year> Date Restocking Fee Charged : XX/XX/year> Date of First Dispute : XX/XX/year> Date of First Dispute Closed : XX/XX/year> Date of Second Dispute : XX/XX/year> Date of Second Dispute Closed : XX/XX/year> Date of Third Dispute : XX/XX/year> Date of Third Dispute Closed : XX/XX/year> Date of Fourth Dispute : XX/XX/year> Date of Fourth Dispute Closed : XX/XX/year> Date of Fifth Dispute : XX/XX/year> Date of Fifth Dispute Closed : XX/XX/year> Date of Sixth Dispute : XX/XX/year> Date of Sixth Dispute Closed : XX/XX/year> Date of Current Dispute Escalation : XX/XX/year> Dispute Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to start a new company for my LLC and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting TransUnion and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.
Product: Debt collection

XXXX XXXX XX/XX/2021 {$730.00} Account was marked as derogatory
Product: Debt collection

I was contacted by the debt collector about a auto insurance debt. I ask for a dispute form. I was told they dont provide a dispute form when " They '' believe the debt is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have attempted to contact the credit bureaus : XXXX, XXXX, & Transunion and they have been unable to assist me in this matter. I let them know the following items need to be removed & submitted the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I have attached a signed & notarized copy of FTC Identity Theft affidavit. I would like to have the items mentioned on the report removed immediately as this situation is negatively affecting my report with inaccurate information. I have attached copies of my IDs for identity verification. 

By the provisions of the Fair Credit Reporting Act & FTC Affidavit, I ask that those items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this process within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 


Enclosed are the following : A copy of my credit report I received from the bureaus. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I contacted Ally Bank to request a payoff so I could buy out my vehicle lease. They told me they could not provide this information, that I would have to contact the dealership ( XXXX XXXX of XXXX XXXX, FL ) where I bought it because they can't sell it to me directly. I contacted the dealership and they were willing to give me a payoff amount ( which they received from Ally Bank ) but said they could not give me the taxes, fees, etc. and that they would not help me with the buyout with Ally because " Ally would require us to break Floridas anti discriminatory laws ( they ask us to charge their customers different fees ) and we will not break the law for anyone. '' They directed me back to Ally for a list of dealers to help facilitate the lease buyout. I contacted Ally and they said they don't have a list of dealerships in my area. This activity is in direct violation of the terms of my lease and laws regarding interstate commerce. Neither party wants me to buy out my lease because used vehicles are going at a premium right now and rates are going up. Their actions are causing me real financial and material harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted mutiple times to Equifax a letter asking them to provide method of verification for a bankruptcy they are reporting on my account. Back in XXXX I sent them a copy of the letter I received from the the bankruptcy courts letting them know that they do not provide any information to the any CRA regarding bankruptcy. 

I again sent a letter to Equifax in XXXX asking them to provide the method used to verify that the bankruptcy they are reporting on my CRA is accurate. They sent me a dated XX/XX/21, which states that they verified the bankruptcy with XXXX XXXX as accurate and that if I have any furhter questions to contact the bankruptcy court in XXXX MO, which would be the incorrect court to contact in regards to a bankruptcy in my area. 

Again they either did not investiage this or they are just lying in thier response. As you know from the complaint I filed agains XXXX XXXX they stated that this bankrupcty was deleted from my record with them on XX/XX/21. If that is the case, then there is no way the Equifax verfied this account with XXXX XXXX, or recieeved the information for me to contact a court in XXXX MO from XXXX XXXX.
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed to 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: Money transfer, virtual currency, or money service

I am writing to bring to your attention a critical issue that our company has been facing regarding our business checking account and payroll wire transfers, specifically in conjunction with XXXX, our trusted payroll services provider. Our company has been a valued customer of Wells Fargo for several years, relying on your services for our banking needs, including processing weekly payroll payments exceeding {$150000.00}. 

Regrettably, over the past two months, we have encountered significant challenges with our payroll wire transfers that have caused severe disruptions to our operations. On two separate occasions, XX/XX/year>, and XX/XX/year>, our business checking account was debited for the intended wire transfer to our payroll services company. However, without any prior notification or explanation, these transfers were inexplicably halted due to audits initiated by your compliance team. 

What is particularly concerning is that neither the compliance team nor any representative from Wells Fargo reached out to our company to inform us of these audits or the reasons behind them. Consequently, our employees have experienced delays in receiving their pay, leading to frustration and unnecessary inquiries from our end. 

Despite promptly providing the requested information for compliance purposes, including primary account Full member Name, date of birth, full address, and other details, on XX/XX/year>, we have yet to receive a satisfactory resolution to this matter. It is important to note that this information is readily available to any Wells Fargo employee and does not deviate from standard protocol. 

Despite our numerous attempts to escalate the issue and seek updates from your wire transfer team, we have been met with a disheartening silence, receiving no indication that the situation is being addressed with the urgency it unequivocally demands. This lack of communication and accountability is wholly unacceptable, especially considering the significant financial implications and the profound impact on our employees ' livelihoods. 

We urgently implore your immediate intervention to resolve this matter and provide us with a transparent explanation for the repeated audits on our payroll wire transfers. Furthermore, we seek concrete assurances that measures will be promptly implemented to prevent such disruptions in the future, coupled with improvements to communication protocols to ensure that we are promptly informed of any issues affecting our account. 

Failure to promptly and effectively address this issue will regrettably compel us to reassess our banking relationship with Wells Fargo and explore alternative banking solutions that can offer the reliability and efficiency we demand for our payroll processing. 

We earnestly appreciate your urgent attention to this matter and anticipate a swift and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and someone stole my identity in a breach
Product: Mortgage

Mr. Cooper took over my mortgage from Seterus Inc., who applied an escrow payment of {$740.00} to unpaid principal balance. Mr. Cooper took the following actions : {$680.00} of the {$740.00} was reversed and reapplied to the escrow account with an effective date of XXXX, the additional {$61.00} was applied to a late fee by Seterus Inc. I had previously filed for bankruptcy protection which was discharged before the above action was taken. In fact Seterus ' note on a statement specifically indicated the {$61.00} late fee was discharged due to the bankruptcy. Before Seterus sold and transferred the company, they took the {$61.00} late fee and never returned or credited the account, thus, illegally keeping the funds in a sense stealing from my account. I contacted the new servicer, Mr. Cooper, who claims there is nothing they can do. My mortgage was serviced by Seterus and they stole the funds before turning over the account. I have provided all supporting documents to Mr. Cooper via email.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.Please reinvestigate these accounts ASAP
Product: Credit reporting

I have disputed this account on my credit report with Transunion only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Transunion. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$530.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$93.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$530.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under the 15 usc 1681b.
Product: Checking or savings account

On XX/XX/2018, I was notified a credit of {$34.00} was posted to my account due to a fraudulent charge. I never received the credit. I have contacted XXXX XXXX six times and they put out trackers to check why it hasn't posted. To date 6 trackers have gone out for this one issue. Customer service states they can't give me any timeframe and I can't speak with any other supervisor. They state that is policy and I must wait until whenever. I know it's not muchone but I am on a fixed income. I didn't budget for this type of error. It has put a financial burden on me.
Product: Credit card

There seems to be a known technical issue with CitiBusiness Credit cards where transactions and statements for the month of XX/XX/2023 are not available, nor accessible through their online portal. 
I have spoken with technical support, and they have told me that this is an ongoing issue that is yet to be fixed. In the meantime certain customers are to do without a statement for the month of XXXX.