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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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: Student loan

Hi. I attended ITT back in 2016. I wasn't aware they were under investigation at that time and now have a big burden. A hefty loan that exceeded the loan amount because they tack on ridiculous amount of fees. Its nearly 50k when the program was way less than that. I am in desperate need for help as I have a child to raise. The loan is just a burden over me and just suffocating me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX TO : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX TO : Chex Systems XXXX XXXX 
Customer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by BOA. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX  XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me physically XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Mortgage

I had the 3rd Party assisting me and ever since they tried to get my file submitted for review for a loan modification every representative with my lender and my foreclosure attorneys as well they gave XXXX XXXX the run around, one would say oh you need to speak to the lender and then other would say you need to speak to the foreclosure and trustee attorneys on this this went back and for XXXX XXXX as this is not how anyone lender is to run a operation with representative that throw you from one rep to another and now during all this time I was trying to save my home and in the meantime the placed a foreclosure sale date on my property for XX/XX/2018 and they SOLD my home after making so many attempt to get one person with me XXXX XXXX XXXX XXXX and my foreclosure attorneys to at least listen to me and they would not even listen to a XXXX party and I now lost my home due to the lender and the foreclosure attorney negligence, when all I was requesting was to apply for assistance they would not even place me in review al they wanted to do was sell my home.
Product: Mortgage

We have been dealing with XXXX Bank and Bank of America for more than 4 years trying to work out a loss mitigation settlement on our home. This story is hard to tell without giving some details. We stopped paying our mortgage in XXXX 2011, after seeking the advice of several professionals ( real estate agents, attorneys, and financial advisors ). Our property had lost half of its value, and we were literally throwing money away. We had tried to refinance with our lender for 2 years before we stopped paying. 
After losing my job, we put our house on the market hoping for a short sale. Over 4 years, we had XXXX short sale offers XXXX XXXX, a cash offer for the fair market value of the property ). Every time we had a sale, we would submit the paper work to get approval for the short sale. Every time it was rejected. Recently, we have been trying to get a deed-in-lieu of foreclosure, since short sales are no longer happening in our area. Buyers are not willing to put up with the red tape involved with a short sale. 
We feel that we are dealing with a conflict of interest -- -- - Bank of America who owns the mortgage and XXXX Bank servicing the mortgage, and another arm of XXXX servicing our HELOC. We have to work with XXXX Bank regarding all the paperwork, but they tell us that Bank of America 's investors will not give us a deed-in-lieu, but with no explanations as to why. Bank of America was ordered by the courts to resolve these situations with the government settlement they received. 
We had never missed a mortgage payment and had excellent credit, until the housing crash forced us to make some difficult decisions.We did nothing to cause this situation. Our home was supposed to be an investment to supplement our retirement. Now we start retirement with a damaged credit rating and a house we can no longer afford. 
This system is entirely broken. We have spent countless hours filling out paperwork, working with professionals, and doing research. We have come to the conclusion that it is in the best interest of the banks to deny anything which benefits their customers or the XXXX economy. Our tax money bailed them out, but they are not helping those who were hurt by their reckless behavior. 
Any assistance or advice you might provide would be greatly appreciated. We feel strongly that hearing our story might spur future legislation curtailing the power of the Banking Institutions in this country.
Product: Checking or savings account

I received a series of emails yesterday stating that an account had been opened for me with MoneyLion, a company I have not previously heard of. I emailed to ask that they close the account and they asked for a series of personal information that I was not comfortable providing, including my SSN.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have continued to report inaccurate information on my credit report, despite my previous disputes and efforts to correct these errors. I have attached a letter that provides proof supporting my claim and demonstrating the inaccuracies being reported. The failure to update this information in a timely manner, despite clear evidence, has caused ongoing negative effects on my credit score. I am requesting an immediate investigation and correction of these inaccuracies, with all erroneous information being removed from my credit report.
Product: Checking or savings account

I deposited cash on the XXXX XXXX chase atm on XX/XX/XXXX. So the first time I put the whole money the amount is around XXXX to the atm and the atm couldn't recognize. So I separate the money to deposit three times. The first two times the deposit was successed but when the third time i deposit itthere 's XXXXXXXX XXXX dollar was stucked in the machine. And the atm screen shows it's technical issue and it let me to call some number. Then I went into the bank to ask help. The lady in the bank didn't go to the atm to check for me but she said her coworkers were tooking the money out behind the machine and she couldn't help we with anyting but if i call the claim department i will get my money back. So I did it and I do get a temporary credit for that amount. but then about one month after that, they took the temporary credit back and denied my claim because they didn't find any extra money. Then I filed another claim and required them to check the camera. Today I got the call, the lady of the chase claim department told me my claim was still denied. I asked her if they checked camera or not. She said she doesn't know but anyway they could not show me the video. I told her at least they need to check. She said ok. Then few hours later, the lady called me said the angle of the camera couldn't record the atm part, they couldn't see if I put money or not. I'm very angry and disappointed about that.
Product: Debt collection

A debt was owed to XXXX 's XXXX in the amount of XXXX which has been paid to XXXX 's XXXX with a receipt attached. First Credit Services has a collection on me for {$35.00} and I do not know why.
Product: Checking or savings account

On XX/XX/2019 I came to the nearest Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to notarize some documents to establish an electric service in another city. I was told to bring my statement with my ID, and I ran home to print it out. When I was back I was taken by a personal banker, XXXX XXXX, who refused to notarize my statement about establishing an account with a utility company, because it was against Wells Fargo policy. I asked XXXX XXXX to provide me with a copy of Wells Fargo policy about notarizing documents, and she refused to. Then I asked to notarize any acceptable to Wells Fargo policy document, because I just needed to have any notarized document confirming my identity, and XXXX XXXX refused again. She also refused to provide me with a list of documents which Wells Fargo would notarize for me. I asked XXXX XXXX about her refusal to notarize any document for me, and she said that she did not feel like notarizing all for me anything at. I asked for another banker, and I was provided with another banker, XXXX XXXX, who came to XXXX XXXX to find out what was going on, and XXXX XXXX was talking very loud explaining to XXXX XXXX that she did not feel like notarizing for me any documents, and XXXX XXXX also refused to notarize any documents for me at all, and even providing for me with Wells Fargo notary policy and list of documents Wells Fargo would notarize. I explain to XXXX XXXX that both bankers harassed me, and she said that they only refused service to me, and it was not harassment at all. I am legally insane having XXXXl XXXX, and I get easily hurt by words and any kind of mistreatment. I should probably sue Wells Fargo for my medical bills, pain and suffering because XXXX XXXX and XXXX XXXX refused me with service without any reasons, just because they did not like me, and I was very polite doing nothing to embarrass them. I feel like they did not like my nationality and XXXX, that was why they discriminated and harassed me, so they both should get fired for misconduct, harassment, discrimination and intellectual XXXX. Because of XXXX XXXX and XXXX XXXX harassment I came home very sick and full of pain. I still feel pain, and I need to get hospitalized because my pain killers and antidepressants don't help me anymore.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX MORTGAGE XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 collections accounts from XXXX XXXX XXXX. I arranged to pay off both collections and they were to submit to the credit bureau the collections were paid and to remove them from my account per our agreement. I see that they have updated that my account is paid, but the credit report is still showing it instead of removing it. XXXX said they submitted a letter to remove the accounts from my report, but it is still there.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like Ally Finacial, XXXX XXXX XXXX  finance, and many more.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXXXXXX they could not find any information on the card but its still reporting on my credit report.
Product: Credit card

Enclosed is a letter I Sent to CAPITAL ONE registered and certified, I am over the games, lies, and deception. This is one of many posts, I have lawyers looking at the paperwork and I have already gotten some positive feedback, I will be posting the CAPITAL ONE employees with media as well as the issues in hopes to help others that been deceived by this careless illegal entity. They committed FRAUD, EMBEZZLEMENT, DECEPTION, LIED, STOLE and that is just a start. Not to mention destroyed my credit, work life and tried to have me XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Team, I am writing to formally dispute inaccurate information on my credit report that persists despite my previous attempts to resolve these errors. These inaccuracies have negatively impacted my credit score and caused unnecessary frustration. I request a thorough reinvestigation and correction of the following items, as required under the Fair Credit Reporting Act ( FCRA ).

Background of My Dispute : Your process for handling disputes does not appear to provide full and accurate information to furnishers, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ) ( A ). I am concerned that this is the case with my dispute.

I provided supporting documentation to substantiate my claims, but it seems this documentation was not forwarded to the data furnishers. 

Your reinvestigation results have been ambiguous and confusing, failing to clearly indicate what was updated or corrected, which mirrors the issues described in the CFPB lawsuit. 

Relevant Legal Violations : The Consumer Fin

ancial Protection Bureaus ( CFPB ) recent lawsuit against Experian outlines several systemic failures in your dispute resolution process, including : Failure to forward consumer-submitted documentation to furnishers.

Mischaracterization of dispute codes, which may prevent furnishers from addressing the actual issues.

Failing to provide clear and accurate reinvestigation results to consumers. 
These issues seem to reflect my experience with your handling of my dispute, as the errors persist despite your assurances that they have been resolved.

Requested Action : I request that Experian : Conduct a reasonable reinvestigation of the disputed items and provide me with specific details of the investigation process.

Forward all relevant information and consumer-submitted documentation to the data furnishers, as required by law. 

Provide a written statement clearly outlining the results of the reinvestigation, including what information was corrected, updated, or removed.

If Experian can not verify the accuracy of the disputed information, I demand its removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ).

Please treat this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. I have enclosed copies of supporting documents to aid in the investigation.

If these issues remain unresolved, I may escalate this matter by filing a complaint with the CFPB or pursuing legal action to protect my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 


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

XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXX I found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX,  I found out when I got XXXX  for XXXX XXXX XXXX, on my XXXX it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to XXXX XXXX
Product: Credit card

I applied for a credit card with Lowes online on XX/XX/year> and was immediately denied access to my credit. I called Lowes credit customer 's service to request information regarding the denial and was also denied this information over the phone. I was told that I must await the denial letter that would come to me via postal mail and/or email delivery. I asked to speak with the underwriter and was told that they were not able to contact the underwriter and there was no contact telephone number that they could provide for me. Lowes is in violation of my consumer rights to access my unlimited credit according to 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover does not correct my XXXX bureau with proper balance