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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ), and 15 U.S.C. 1681s-2 ( b ) being the CFPB has filed a lawsuit against Experian, alleging that the company failed to properly investigate consumer disputes, in violation of the Fair Credit Reporting Act. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I have also included the accounts. 

These are the accounts I have marked as inaccurate. 

XXXXXXXX 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 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, credit repair services, or other personal consumer reports

Around the Beginning of the year around XX/XX/2022 I received information in my email that said my account was being closed by discover. I called to get information why and they said that they didnt know why that they will send me a letter out never received a letter so in my email each month I keep getting something saying that my account was closed but I need to keep paying on it because my credit score each month to take a hit and go down like XXXX points XXXX points because my credit score to go down a lot but discovery is saying my account is closed so I keep each month getting notice saying its delinquent derogatory remark, make payment, but is closed. The account is closed it is stating that it is closed. and I monitor my credit and wallet hub send me information telling me this has to be a mistake because my account is closed but the numbers keep going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested again a validation of an item being reported by Equifax, XXXX XXXX XXXX XXXX. I contacted and have received a response from XXXX XXXX XXXX XXXX that clearly violates my rights according to HIPAA. XXXX XXXX XXXX XXXX did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). I advised Equifax that by providing such information they are also in violation of the HIPAA Privacy Rule. I have requested that Equifax to forward to me a copy of my HIPPA Release Form and still have not received a copy.
Product: Credit reporting or other personal consumer reports

I havent received a credit report from XXXX. XXXX has responded. They are working with me diligently to get this problem solved. I dont believe their upload system is working properly. So I am going to submit the information here. I tried XXXX times to submit the information on their website.
Product: Payday loan, title loan, or personal loan

I have been trying to pay this loan off since XX/XX/XXXX. My mother was paying it off for me we sent the info needed and her bank released the money they thought it was a fraud at first. But this company says its declined. I tried to pay today with my paycheck card and they say it declined which is not true the money is there. Everytime Ive tried they say it doesnt go through. They are charging me XXXX everytime they say it declines and a XXXX late fee every two weeks. So my loan that was XXXX is now XXXX.. of course they dont want you to pay it off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & CO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

Company XXXX claimed XXXXXXXX XXXX used them to pull my credit report. Refused to removed the hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 XXXX, I mailed a letter to the credit bureaus to remove inquiries I didn't authorize. My credit profile is affected by these penalties. 

Under 15 U.S. Code 1681i, Paragraph ( 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 shall- ( i ) promptly delete.
Product: Mortgage

By law the company has 5 days to reach out and form a solution for our issues. First the company stated that nothing has gone up for taxes and insurance and they merged thats why they needed escrow and now all the sudden it has. Ive called, emailed and complained and still no response. Then the company just lowered my escrow by {$80.00} a month for the next 36 months without my permission. I can not afford this! How can you do this in a time like now especially and not phone calls nothing! We need an answer! I do not reccomend loan depot.
Product: Debt collection

Pertaining to code XXXX XXXX  not to get debt without my knowledge especially if given by identity theft.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer id XXXX. Early warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keys bank account number XXXX Routing number XXXX XXXXXXXX XXXX account number XXXX Routing number XXXX XXXX don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request.
Product: Checking or savings account

This has been and ongoing issue and I each time before seem to have been ignored. Wells Fargo had ignored my personal concerns so much to the point of having time run lower and lower with this issue. Their last response they had stated that the statute of limitations had run out. Even with my first contact by telephone I was given the runaround without any straight answers. Each phone call nothing to nowhere. I had even asked if I could speak with a supervisor. They told me that they were not available. I know that it has been sometime. The FDIC is the folks who referred me to the CFPB. Wells Fargo had kept asking for days, dates and amounts of transactions. I told them each time I have no idea the exact amount. I do not even know the exact dates. If I had known I would have provided them with that info. I not that long ago had a bit of a windfall. That being said with my personal savings and checking was up to {$20000.00} dollars. I myself rarely spend money I have to be careful and using sparingly. I am a XXXX person and do not have much money. Wells Fargo is the bank that has held my account for many years. I do believe that it is their responsibility to keep that money safe. Wells Fargo knows how much money that I have and they also know that I can not afford an attorney. If I could have afforded an attorney I would have seen one as soon as they denied and misappropriation of personal funds. I do not qualify for much of any help and or assistants from any law service. Wells Fargo knows that I'd never be able to retain any forms of representation. So that is why I believe I had been ignored all this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been paying on my accounts with XXXX XXXX XXXX and on time and more money to pay my XXXX XXXX off, my end loan personal loan down, and I been paying to get my credit card back down and I have disputed after dispute and i have emailed and mailed y'all company CFPB about all three credit bureau 's wasn't reporting right and XXXX still not reporting my credit right because out of all my dispute to XXXX my credit XXXX XXXX XXXXXXXX have received all the disputes from all three credit bureaus and XXXX felled to update all two loans and my credit card payments and now this is XXXX XXXX XXXX and XXXX isn't updating my payments for my credit score to go higher and I just paid off two collections that was reported on my credit report and no changes. I want XXXX  to get my credit report reporting correctly and update my credit score. I will be emailing or uploading documents from XXXX XXXX XXXX XXXX and from the collection agency to show I have paid them off and I also paid the XXXX XXXX with XXXX XXXX  XXXX off it was {$240.00} now it's XXXX owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute several old and inaccurate items on my report through Experian on line. They refused every attempt and required that I call them to dispute the items. When I called, she asked me to go through each item and she would review it then. There is no way this is possible and I am assuming they would categorically deny any dispute. Not only is this a waste of time but it is extremely cumbersome and inconvenient, I will now have to submit them all in writing at this point as I have no other fair option to remove these items.
Product: Credit card

Ive been paying my bill with ok the XXXX of each month on the due date. The company doesnt process it until the next few days and Im being charged a late fee. Its been happening for awhile and I called to have the credit my account back. They said that I have to pay XXXX  days before the actual due date thats in the contract for me not to be charged a late fee. Called today which is XX/XX/year> and was told nothing can be done just pay earlier.
Product: Money transfer, virtual currency, or money service

I wired XXXX of my business account to my family, my bank to XXXX XXXX instead and I told them about it .its been XXXX and I havent gotten my refunds back. Im out of business as a result of this.
Product: Prepaid card

Paypal recently limited my account. I still have {$320.00} in eBay gift cards which can only be used with a paypal account. Now as the account is closed those cards have become worthless and I feel cheated out of my money.
Product: Credit reporting or other personal consumer reports

I formally requested that XXXX Experian and XXXX remove the Bankruptcy from my credit file citing that they do have Permissible Purpose according to FCRA SECTION 604 ( a ) ( 3 ).
Product: Credit reporting

I have written Experian numerous times asking for this to be addressed to no avail. 
XXXX XXXX # XXXX is not a collection/chargeoff. The car was repossessed and I paid to get it back. 
I need this information corrected to show the XXXX balance and date paid/closed.
Product: Debt collection

My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. Pinnacle ( after removing from credit reports ) sold the debt to XXXX and they are going to report it. When Pinnacle sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. XXXX told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to Pinnacle they used the social security number for my father. So he did n't steal my identity Pinnacle and XXXX just used my information.
Product: Credit card or prepaid card

Application # XXXX XXXX XXXX I applied for a Wells Fargo credit card because of the 0 % purchase APR. I received a declined letter which is bogus. I reviewed my credit report, XXXX  & XXXX  and I do not see anything wrong. My credit score is XXXX. There are numerous complaints about Wells Fargo online and now I see why! The declined reasons I received : 1 ) amount of credit available on actively used bank cards, 2 ) amount owed on a bank card with the highest balance is high relative to the credit limit. Not enough paid as agreed on your credit file. I have several store cards because when I use them I get rewards or coupons, but you are going to penalize me for that??? Even so, I paid all those cards on time. In XX/XX/XXXX I transferred a balance of {$3200.00} for a 0 % APR, so I can pay it down, I am not using the card and I also lowered my credit limit on that card! In XX/XX/XXXX I paid off my 5 year car loan. I have had my XXXX credit card since XXXX! 29 years! and I have NEVER BEEN LATE ON PAYING ON MY CREDIT CARDS! Decline reasons 2 & 3 are wrong! I do not know if Wells Fargo system automatically declined me or was it a person? I have never been declined for a credit card. I want Wells Fargo to remove the inquiry from my credit file and I will apply with a more reputable company.
Product: Checking or savings account

Bank sent unauthorized transfer check to another bank, even though that recurring transfer and payee was cancelled one month prior. Check was never cashed, but Wells Fargo refuses to return XXXX that they wrongfully took from my account.
Product: Checking or savings account

On XX/XX/year>, i sent a XXXX  payment to a XXXX XXXX XXXX I met online that sold me XXXX $ worth of products i never received. I contacted my bank and was told that there was nothing they could do. I then filed a dispute with XXXX but it was denied due to XXXX  not being liable of scam or fraud.
Product: Debt collection

ON XX/XX/2018 I received an email from my HR of a voluntary wage garnishment from XXXX XXXX- I have no loans or ever had business with this company. I have had identity theft in the past and have filled police reports and FTC affidavits proving my case. 


In the wage assessment sent to my employer, they claim I signed a contract online and that's all they needed to collect on this debt. 

The demand letter was sent by XXXX XXXX who is not licensed in the state of Washington.
Product: Student loan

I have thousands and thousands of student loans through Navient. I have been through the ringer with them time and time again. My loans are on auto draft and they continuously call me to say that my loan has n't been paid. Every time I was accused of not paying, I called and spoke to no less than XXXX people before my issue was resolved. They acted like this was all my fault, until I was able to get an honest employee on the phone. Finally I was told, '' there was a glitch in our computer that takes payments. '' That would be fine if that were the only time this happened. Every 3 months they call and act like they need me to start paying more. They tell me that I have n't held up my end of the repayment agreement by being late on payments. This has happened more that 20 times over the last few years. They have more than doubled my amount owed, because I put them in forebearance when I was first out of college. I now owe $ XXXX when I should have paid around $ XXXX. The last excuse I was given for the " late payments '' was that the date that I had my auto draft payment paid to them was late every month. This is a date that an operator setup over the phone. They charged me late fees and literally had me XXXX. I told theme, on many occasions, " this has to be a scam!!! '' It always turned into me yelling, because they would pass my call around to so many people. Sometimes I would have to hang up, because I could n't think straight. I have had many sleepless nights, because of Navient. I live a terrible existence, and I have a job that pays above average. Getting a college education is the worst thing I have ever done, because of Navient. I ca n't take the harassment anymore. Please help me and the thousands of other people just trying to make a brighter future for themselves.
Product: Debt collection

Having gotten furniture with an ex significant other, the relationship did not last. All payments were made on time up until the split. When the split happened i was the on who moved out and my ex kept the furniture. 
I contacted the company after this ordeal and informed them to come get their product as i was no longer going to be in need of it. I gave Conns the address and contact info for my ex. 
They did not go collect product nor attempt to contact the other involved. 
They continued to bill me and sent contract into collections where they made some sketchy changes to the payments made/received on my account before sending to collections. Odd payment amounts for interest bearing and longevity. not professional. 
the fact they did not contact me or the ex to set up time to retrieve product and continued to charge/bill is bad business practice.
Product: Mortgage

AllFollowing up with my previous complaints. I am reiterating the issues I have encountered with Wells Fargo since XXXX. 

Misleading Loan Advice In XXXX, as a twenty-something first-time home buyer with a credit score over XXXX, Wells Fargo advised me to take a balloon mortgage as a second mortgage. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. As time went on, they said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages and then they started saying that they no longer offer them and were unable to help me. I even had onXXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I recently learned that this loan type is SO risky, that Wells Fargo stopped issuing in XXXX with the Dodd-Frank Act. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} Administrative Errors Administrative errors seem to be a common practice within Wells Fargo. I requested an amortization schedule ( TWICE ) in XXXX which showed my mortgage as a conventional loan. The first amortization schedule, they entered the wrong date for the simple interest loan and then they resent the amortization schedule with the correct date XX/XX/XXXX ( SEE ATTACHMENTS ). BOTH times they sent the amortization schedule as a simple interest loan! 
After a while, I noticed my balance was not going down like the amortization schedule showed and I contacted Wells Fargo to inquire. It was only then that they said that the amortization schedule was an error and they made a mistake ( AGAIN ). 
In XXXX, Wells Fargo sent me a check for {$270.00} to compensate for their multiple administrative errors. {$270.00} does not compensate for the multiple administrative errors Wells Fargo has made causing a damaging financial impact on my life.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Upon reviewing my consumer reports, I have identified discrepancies in the reporting of late payments associated with my account. Specifically, I have found inconsistence of late payments on the following account : Account Name : XXXX XXXX Account Number : XXXX As a responsible consumer, I have always made timely payments on this account and take great care in meeting my financial obligations. Therefore, I am concerned that these late payment entries do not accurately reflect my payment history. 

Given the importance of accurate and truthful reporting, I respectfully request a thorough investigation into these discrepancies. Please provide supporting evidence demonstrating the late payment status, such as statements or other relevant documentation. 

If such evidence can not be provided, I request that these entries be corrected immediately to reflect an accurate on-time payment history, as I have consistently upheld my payment commitments without delay. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you in advance!
Product: Debt collection

I have an account with XXXX XXXX and I authorized payment to be debited out of my checking account. The draft date was XX/XX/19, in the amount of {$600.00}. I just learned today that the check was not honored. When I check with my banking institution, XXXX/XXXX  they stated they would only pay transactions within a {$10.00} range if the debit card was used for the same account. When I reviewed my transactions I had {$590.00} available. I didn't receive any mail stating my account was about to go delinquent prior to the 30 days mark. I didn't receive an email that my account was delinquent. The creditor states they only made phone calls to my old number which continuously rings busy at XXXX. Previously when I had this number, the outgoing message had my voice and now it does not. My number was changed in XX/XX/2019. I was not given the opportunity to remedy an error on my part and the Creditor failed to use due diligence to use all methods to contact me. This is the second car that I purchased from Nissan so they know that I pay my car payment on time. This was out of the ordinary for a customer like myself not to respond to calls or not have a voice mail set up. In normal collections, a representative that is present and reviewing the account would notice this versus someone going through the motions and being robotic. I now have my credit report dinged because of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all unauthorized information on my credit report with Experian.