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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX, that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by XXXX, Equifax, and XXXX, including the original sources of such information. 
Under XXXX XXXX XXXX XXXXXXXX, I have the right to request a copy of my credit report from XXXX, Equifax, and XXXX, which I have reviewed for accuracy and completeness. 
I assert that XXXX, Equifax, and XXXX are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX Code XXXX and XXXX XXXX Code XXXX. 
Furthermore, I believe that the practices of XXXX, Equifax, and XXXX violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to XXXX, Equifax, and XXXX, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that XXXX, Equifax, and XXXX cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report that Experian has failed to properly investigate my disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, Experians actionsor lack thereofhave directly caused harm to my creditworthiness and financial stability. 



Summary of Issues Experienced : 1. Failure to Properly Investigate Disputes When I disputed inaccurate information on my credit report, Experian failed to conduct a proper investigation as required under the FCRA ( 1681i ( a ) ). Instead, Experian either sent me generic responses or relied solely on data furnishers without verifying the accuracy of their responses, even when the information was clearly improbable or contradictory. 

2. Reinsertion of Deleted Information After disputing and having inaccurate tradelines removed from my credit report, Experian allowed the same inaccurate information to reappear under the name of a different furnisher, without notifying me or ensuring the information was accurate, as required by the FCRA ( 1681i ( a ) ( 5 ) ( C ) ).

3. Failure to Notify and Inform Me of Investigation Results Experian sent me vague or unclear notices regarding the outcome of their investigations, which failed to meet the FCRAs requirement to inform consumers of investigation results ( 1681i ( a ) ( 6 ) ).

4. Harm and Impact These actions have caused significant harm, including : Denial of credit.

Lowered credit scores due to unresolved inaccurate information. 

Emotional distress due to the time and effort spent disputing the same errors repeatedly. 



Legal Provisions Violated : FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of information. 

FCRA 1681i ( a ) : Mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes regarding the accuracy of information. 

FCRA 1681i ( a ) ( 5 ) ( C ) : Prohibits re-insertion of previously deleted information unless certain conditions are met, including notifying the consumer. 

FCRA 1681i ( a ) ( 6 ) : Requires credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to provide proof of their investigation and evidence of negative items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to be provided with these items as requested. 

I sent the first dispute letter to Experian on XX/XX/XXXX via regular XXXX mail. On XX/XX/XXXX I received Report # XXXX with the investigation results without any proof of the " Updates '' they found to the items I disputed. 
Please see attached : -Copy of letter ( which includes proof of identity and proof of address ) -Copy of Certified Mail Receipt -Copy of Certified Mail Return Receipt with Proof of Signature On XX/XX/XXXX I received Report # XXXX from Experian with my Dispute results with all disputed items remaining and " Updated '' without any proof of investigation nor proof of late payments/validation.
Product: Debt collection

I received notice that 4 collection accounts from AmeriFinancial Solutions were placed on my credit files. The company did not verify the debt was valid and belongs to me prior to placing the accounts on my credit profiles. This company is in violation of the FCRA standards.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove the XXXX XXXX XXXX that's on my account. 

Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

I have put in several disputes about them publishing inaccurate information, but they keep stating that XXXX XXXX is verifying the information. 

My account is blocked on XXXX XXXX, so they don't have the ability to verify anything attached to my name. The XXXX  XXXX  stated to me that they don't share that information. 

How can XXXX XXXX verify anything when my account t has been opted out and blocked, so I am stating that Equifax are not verifying and just keeping the information the same without a human person really doing the research to verify the information. 

I will attach the letter from the XXXX  XXXX and also my letter from XXXX XXXX.
Product: Debt collection

These people are trying to collect on an old utility bill that does not belong to me. The house was sold and the new owners ran up a bill in my name. The address for the house is XXXX XXXX XXXX XXXX XXXX XXXX, NY. The sale of the house is listed on XXXX and shows the debt was made after the house was sold. I need these scam artists off my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX 3 Transaction were attempted with Wise-LTD TRNWISE XXXX XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX I Reached out to their Customer Service at XXXX XXXX XXXX XXXX XXXX  Thier Email is Appeals @ wise.com I was Told that I would Recieve My Funds After Cancelling a International Money Transfer ; due to Frustrations with the Service, My account was Subsequently closed and then i was out XXXX XXXX  i Reached out to XXXX  and explained My Parameters. 

My appeal was Closed without any Explanation and The Customer Service Department had a Hand in Covering up This Instance of Fraud. 


I am a Retired XXXX  and I was Sending Money to My Family Back in XXXX and I am Astonished with the Fraudulent activity that occurred to me
Product: Checking or savings account

Investments in my Robinhood account were compermised or stolen and loss access to my account for over a year unauthorized transaction and withdrawals unauthorized account access ect
Product: Mortgage

I applied for forbearance 30 days ago. Emails claim that it will take 5 days to process. When calling the wait times are over an hour and the phone tree goes no where. The loss mitigation team is a no show, meanwhile due to COVID-19 I am  having trouble paying 2 months in a row.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; CXXXX XXXX XXXX XXXXXXXX Account Balance : {$480.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

See attached letter from BMO XX/XX/XXXX and review my attachments to prior complaint, XXXX. BMO was bound to adhere to loan service terms established in XXXX with Bank of the West, wherein : Interest payments were auto-withdrawn monthly in whatever amount. Principal reduction payments always made in round, whole number figures, ( {$200.00}, {$400.00}, {$600.00}, {$800.00} ) for simple monthly and year-end accounting. Monthly statements corresponded precisely to interest and principal payments. 

XX/XX/XXXX letter demonstrates mis-application of principal payments to XXXX XXXX XXXX XXXX XXXX XXXX unexplained charges resulting from BMO failure to auto-withdraw XXXX, ( They claim they just didn't know how much to withdraw, so too clueless to adhere to the loan service terms ) which led to double-charging and triple-charging interest payments, without permission, without authorization. Principal payments diverted to other schemes, resulting in chaotic accounting and wildly wrong amounts on year end XXXX XXXX filed with XXXX Principal paid as reported over {$1000.00} too low. Ending principal owed over {$1000.00} too high. XXXX deception scheme led to significant fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I contacted Experian to file a complaint regarding the XXXX XXXX account that they are reporting. I complained that they are reporting inaccurate information on my credit report. They can not verify that this balance is accurate.
Product: Mortgage

I received a letter to modify my home as well as a phone call from Citi Bank saying if you wired XXXX To Citi Bank today we will give you back your homes. Please understand I was locked out of my house for many years at this point. I was happy. I thought I finally I got through to someone to help me get me back in my home. OWNED 27 years Then on my apartment shares I owned for 32 Years. I paid my maintenance every month on time. One day I got a check in the mail for the amount of two months of my maintenance back in the mail. So I called the management company asking what is going on with my apartment and Shares that I own? They explained I did n't pay my maintenance. I then said if I did n't pay my maintenance. How are you sending me a refund? I then went to housing court AFTER they illegally sold my home as well as my apartment SHARES and was told this is all illegal. They also asked why Citi Bank did not help because they had an interest in both the home as well as the apartment building and shares. I tried to contact Citi Bank so many times and they said they will HELP ME. Well guess what? They never helped. Not to add this but I 'm very sick, and sometimes to proud to ask for help. But I have been begging Citi Bank to help me, and they never returned my calls. Both these properties I bought by myself. I worked 2 jobs after my family robbed money from me. I said I will never be in the street again. My Mom and Dad are gone at an early age. I had nothing but my property to always have a roof over my head. I always paid my bills on time. I 'm in shock that such a wonderful bank would not help me find Justice.
Product: Checking or savings account

Someone unknown to me gained access to my XXXX XXXX Account via my Bank of America debit account info and withdrew a total of XXXX from my account. There were XXXX total withdrawals between XXXX XXXX XXXX XXXX, 2023 from a XXXX, CA Bank of America noted as the XXXX ' location. I was out of town in XXXX XXXX when the monies were fraudulently extracted from my account. I contacted Bank of America immediately and they put in a fraud claim on my account however they advise it could take up to 90 days to resolve this issue and could not guarantee that the funds would be replenished even after that time frame.I am in need of an immediate solution as I was to use those funds to cover my XX/XX/2023 rent. I will face eviction if the funds are not replenished in my account immediately. Thank you for your consideration and prompt reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  MD XXXX XXXX US DEPT ED XXXX XXXX : {$17000.00} XXXX XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX ) XXXX Balance XXXX {$180.00} ; US DEPT ED XXXX XXXX XXXX {$9100.00} ; DPT EDXXXX XXXX Balance : {$0.00}
Product: Mortgage

Made on line payment on XX/XX/2021. Chase received and misapplied. It is a week now and they reversed it out but have yet to apply my payment. 

Than on XX/XX/2021 we made a {$470000.00} principal payment by wire. They received and finally on XX/XX/2021 applied to the loan but now are reversing it out as if it never was made, Chase has had our funds for over a week and I keep getting pushed from one department to the next. I was told on XX/XX/2021 by XXXX XXXX in executive escalation that this would be resolved by today, and yet it is still not resolved. 

I am getting a run around and my payments are not being applied
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due tXXXX XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXXXXXX XXXXXXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX, EQUIFAX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for WELLS FARGO. I sent them letters regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. 
States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XXXX XXXX I applied with Chase for a promotion with XXXX that, if I applied before XXXX XXXX, if I spent {$4000.00} on purchases in the first 3 months I would receive a companion pass on XXXX and XXXX XXXX points. On XXXX XXXX, after receiving notification by application for the credit card was approved, I called Chase to confirm the terms of the offer. Chase stated the offer ended XXXX XXXX, and refused to honor the promotional deal I signed up for.
Product: Payday loan, title loan, personal loan, or advance loan

The company made me sign up for other offers in Order to get my loan.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ACCOUNTS : 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 card or prepaid card

The credit card opening terms promised a % XXXX interest rate on purchases good for 9 months. Although the statement itself does state so our purchase is showing as due in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 i have been trying with the help of XXXX XXXX  XXXX XXXX to dispute misinformation on my credit report. We have sent in multiple request and reports to Experian, XXXX, XXXX. On multiple dates for the past 2 years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$25000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I 've been receiving repeated calls from XXXX XXXX XXXX XXXX XXXX for a couple weeks now. The number is from Escallate, a debt collector. I have received no other calls or written notices for debt of any kind, from Escallate or any other creditor, and have no knowledge of owing any debt. Escallate failed to send a written notice within XXXX days of first contacting me, and has contacted me multiple times in XXXX day.
Product: Mortgage

On or about XX/XX/XXXX, I purchased my current home as a owner occupant. My lender indicated that I qualified for a HELOC, in addition to my mortgage loan, and I closed with 2 mortgages on the house. The HELOC was with XXXX XXXX. XXXX went out of business sometime in XXXX. For several years, no one reached out to me about the HELOC. During the recession, I refinanced/modified by first loan with XXXX XXXX  XXXX and continued to make on time payments for almost 20 years. 

I was recently notified that my HELOC with XXXX  was bought out by XXXX XXXX XXXX and Real Time Resolutions. They filed a Motion to have my home foreclosed. After some online research, I understand that these companies purchase old loans ( zombie loans ) and go after the homeowners ' property. I have not heard of XXXX XXXX  until I received the Foreclosure Notice from them. I spoke with a customer service representative about the matter, and she stated " home equity is up around the country and your house is worth a lot of money. '' If there is any help for home owners facing this kind of shakedowns by zombie loan predators, I would gladly appreciate it.