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

I am filing a formal complaint regarding the continued reporting of a bankruptcy and associated accounts by EXPERIAN, despite their failure to properly verify the accuracy of this information. EXPERIAN failed to properly investigate and verify the accuracy of a bankruptcy, and its associated accounts reported on my credit file. Despite filing a formal dispute and citing violations under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), the credit bureau has not provided adequate verification, sources, or documentation, nor have they removed the inaccurate and unverifiable information from my report. 
1.Failure to Verify Records : Under FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus must conduct a reasonable investigation into disputed information. EXPERIAN failed to provide documentation or identify the source of the bankruptcy records after my initial dispute. Courts do not report bankruptcy information directly to credit bureaus, and no legitimate verification source has been disclosed. 
2.Lack of Source Disclosure ( FCRA 611 ( a ) ( 7 ) ) : I specifically requested the name of the source and details on how the information was verified. This information has not been provided, which violates FCRA requirements. 

3.Violation of FCRA and Privacy Rights : The continued reporting of this unverified bankruptcy violates my privacy and harms my financial well-being. FCRA 609 ( 15 U.S.C. 1681g ) entitles me to a description of the process and sources used to verify the records, which has not been provided. 
4.Reporting Unauthorized Information ( FCRA 1681b ) : The inclusion of this bankruptcy in my credit report lacks permissible purpose and violates my privacy rights. I did not authorize its dissemination. 
5.Failure to Validate Debt ( 15 U.S.C. 1692g ) : If the bankruptcy data was sourced from a third-party debt collector, no validation has been provided to support its accuracy. 
6.TILA Violations ( 15 U.S.C. 1640 ) : The continued reporting of inaccurate and unverifiable credit information violates provisions of the Truth in Lending Act, causing harm to my creditworthiness. 

The inaccurate reporting of this bankruptcy has caused significant damage to my credit score, limiting my access to financial opportunities and causing undue stress. The continued noncompliance of this credit reporting agency further exacerbates this harm. 

Supporting Documents : previous dispute letter submitted to EXPERIAN. 
Proof of address, Id, and Social Security Thank you for addressing this matter promptly.
Product: Checking or savings account

I deposited {$350000.00} amount of check to my Synovus bank account. My business account name XXXX XXXX XXXX. Since my account becomes heavily negative so I requested to my Business partner bring money back who get the cashier check from my account and Deposited his business account at XXXX XXXX. My business partner make stop payment on cashier check which he deposited to XXXX XXXX. 
As per the rule XXXX XXXX must send the fund back to Synovus bank for the stop payment of cashier check. 
Once you make the stop payment fund must come back to the original account back if moved already. but funds never get to my account Now both bank give the excuse and XXXX on other banks. Now None of the bank help me they close my account my side Synovus bank XXXX XXXX XXXX account and they close my business partner business account at XXXX XXXX  account XXXX 2024 XXXX. 

XXXX XXXX  head quarters say we are doing the investigation every time same reason.
Product: Mortgage

My complaint is against Wells Fargo Mortgage Department/Short Sale, Division. 
I am a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and am certified in SHORT SALE. I have been the listing agent for property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX since XX/XX/2020. There have been three qualified buyers for this property but the first two gave up and withdrew their offers while waiting for Wells Fargo to approve the short sale. During that time Wells Fargo has been paying all expenses on this property including taxes and insurance- literally wasting WELLS FARGO stock holder money because they have been unable to get the job done. The attorney representing the homeowners is told WE ARE WORKING ON IT every time inquiry has been made over the past 2 years. These homeowners - an elderly couple- have remained in the unit waiting for this process to be done as they do not want to abandon the property. 
I am well aware that processing a short sale is more lengthy than a traditional sale, but in my experience it has never taken this long and it SHOULD NOT take this long on a relatively inexpensive property where the payoff has now grown to a staggering amount ( penalties, interest and legal fees ) during the two years while the bank has failed to process this short sale.

When a property is ultimately foreclosed upon everyone loses- the community as the property will fall into further distress and devalue surrounding properties, the bank stockholders, and the homeowners who have been trying to do the right thing.

As stated, the amount now due is staggering compared to the amount due two years ago when short sale relief for the first buyer was submitted.. That staggering amount now due is the result of the efforts- or lack thereof- WELLS FARGO SHORTSALE DEPARTMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked XXXX  and Equifax to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.
Product: Checking or savings account

Theee fraudulent transactions was taken from 2 banks XXXX and USAA for XXXX fraudulent transactions. A police report was done on all three transactions and a XXXX report filed for the three transactions that was fraudulent taken from my accounts. I have tried to work with both XXXX and the banks to retrieve the funds that was taken from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on the XXXX of XXXX I sent letters regarding some inaccuracies on my credit report that came to my attention. Its been almost 3 months and well over 2 months sent a sent letters informing the bureaus of my complaints but have yet to get a response. I just need these inquiries that were unauthorized to be taken off my credit report. This has affected my plans to apply for more credit with these existing on my report. It has been quite frustrating and I'm not sure what else to do but contact you all here and leave a complaint. I believe my information could have been impacted by the XXXX  date breach as well. I'm not sure if this possibly has an effect or not but I just felt I should mention this. According to Section 611 ( a ), failure to to investigate these disputes in a certain amount of time gives reason to remove these inquires as it has been over 60 days! Please I need these inquiries to be verified and removed after the investigation as I know these are unverifiable. Please delete, thank you!
Product: Mortgage

Failure to provide transparency for rate change as prescribed in our contract. 

New rate calculated incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX acquired unauthorized access to my credit report.
Product: Credit reporting or other personal consumer reports

I am reporting accounts added to my credit reports by LVNV Funding LLC that are NOT mine! I am a victim on identity theft and my information was used to obtain these accounts that appear to be linked to addresses in Texas where I have never lived before or even visited. I have disputed the accounts and I received an updated credit report showing the accounts as " verified ''. However, I have not received any explanation or information on how the accounts were " verified ''. This issue has affected my credit scores severely, and I would like the Accounts Removed IMMIEDIETLY. 
THE AMOUNTS AND DATES ARE LISTED BELOW LVNV FUNDING LLC {$1100.00} XXXX XXXX LVNV FUNDING LLC {$760.00} XXXX XXXX LVNV FUNDING LLC {$560.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by XXXX ( now LexisNexis? ) Made request for credit report to determine problem. Letter from LexisNexis indicated " unable to process request ''. Made numerous phone calls... no response ; not one.

Letter from LexisNexis " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against XXXX. What's it take to get action on this?
Product: Checking or savings account

I received XXXX emails indicating that a Bank of America Checking account was opened in my name. The first email stated I was approved, the second stated my debit card has been shipped to me. I never applied for a Bank of America checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$300.00} 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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : EXPERIAN : XXXX XXXX XXXX XXXX Original balance {$2300.00} Status Paid in settlement. {$760.00} written off. 
Status updated XX/XX/XXXX Original balance {$2300.00} Comments Account paid in full for less than full balance Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Status Paid in settlement. {$17000.00} written off. 
Status updated XX/XX/XXXX Original balance {$20000.00} Monthly payment - Last payment date XX/XX/XXXX XXXX XXXX XXXX Address XXXX, WA XXXX Phone number ( XXXX ) XXXX Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/XXXX Original balance {$12000.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$13000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX EXPERIAN Inquiries : XXXX Important dates Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX  XXXX Removal dateXXXX XXXXXXXX Additional details Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/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 a 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

I have been told I have a Chase credit card. However I have never applied nor received one. I have been called and told it is hands of collection company and is showing on my credit as bad. How can I remove it? I have tried talking to chase and the collection company with no respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have XXXX XXXX removed from all three credit reporting bureaus. Not only was this account opened due to my identity being compromised, but they have also opened duplicate accounts. I have submitted police reports and documents to support my claims, I have paid hundreds of dollars to credit companies to dispute these accounts. XXXX XXXX has not tried to resolve this issue I do not know who these credit reporting companies are. They have not verified this information. This erroneous reporting has caused my life to suffer a hardship. This is also a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Also Section 611 ( 5 ) ( A ) of FCRA they required to delete information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. XXXX is the account Im referring to.
Product: Credit reporting

letter(attached below)from Equifax shows that Case or ID#-XXXX was deleted
from the credit file.Item has reappeared on the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX XXXX and Trans Union credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that Trans Union claims XXXX  hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. Trans Union is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason Trans Union updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. Trans Union is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been XXXX months at this point. XXXX to XXXX XXXX where XXXX going to get a lawyer involved and sue, both XXXX XXXX XXXX and Trans Union for their negligence.
Product: Payday loan, title loan, personal loan, or advance loan

This is XXXX XXXX XXXX, Tower loan said my loan was turned over to the lawyers in XXXX, La. The lawyers XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They are trying to charge me XXXX to get my balance. That and I had to pay court cost in XXXX, and the lawyers they had representing them didn't show up for court. Now I'm paying my loan and lawyer fees which I think I shouldn't because they never showed up for court proceeding and all the judge said was for Me to hang on to the subpoena.
Product: Bank account or service

- Had to get a new account last year ( 2014 ) due to fraud. 
- I had a line of credit attached to the account that had to be closed, and was denied application for the same line of credit on my new account. 
- XXXX month after closing my account and being sure that all my automatic payments, etc., had been updated, I went to a Citibank branch to close the account. 
- I explicitly asked if my ability to repay the balance on the line of credit would be affected, and was told, definitively, " No, it would not. " - The automatic payments that I had setup in those XXXX months from new account stopped processing because the line of credit was closed. 
- When I realized, I called the bank and tried to setup automatic payments again. I was told that they were setup, and I had a XXXX late fees taken back by the bank. 
- Months later, I got a notice stating that I had missed XXXX payments in a row ( did not receive intermittent letters before then ) ; I had n't noticed because ( 1 ) I was told that automatic payments had been setup, and ( 2 ) I no longer have access to the account online so could not check to see if payments were being made, and ( 3 ) did not get a notice from the bank until XXXX payments were missed. I tried to have these late payments taken back, but was denied. 
- It was at this time that I spoke to the collections dept, and was able to negotiate an agreement whereby I made XXXX specific monthly payments that we set up on the spot, and then I would have my account brought back to current, and then I could go about making regular payments again. 
- While paying the debt-collection payments setup by the bank over the phone, i continued to receive late payment charges, even though I was paying EXACTLY according to the plan they setup ( there was literally no other option without me calling to cancel, which did not happen ). 
- Tried to get those late charges taken back, and was denied, despite the fact that it was clearly the bank 's fault. 

This has affected the amount of interest I 'm being charged, my overall balance due to late fees, and my credit score. I would sincerely like to change banks, but the switching costs are prohibitive due to my affected credit score, and my worry that I will not be able to make payments on the closed account with a non-Citibank account.