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

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, a legend, systematic issues such as filling to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violate federal law and my rights as a consumer
Product: Debt collection

I attempted to verify an incorrect debt on my credit report. On XX/XX/22, I sent a debt validation letter by mail to Capio Partners located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. On XX/XX/22, this company sent me a response stating that they did not have sufficient time to complete their investigation. Then, on XX/XX/22, I received another letter stating that the original creditor sold this debt to XXXX XXXX XXXX, and then XXXX XXXX sold this debt to Capio Partners. Also, enclosed was a " statement of account ''. This statement was NOT a letter from the original medical provider. There is also very specific and personal diagnosis and treatment information included on this " statement of account ''. According to the Department of Health and Human Services, if debt to a medical facility goes unpaid, the facility has the right to take measures to collect the debt, including selling your personal information to a medical debt collector. The information that can be provided to the collector is limited to your name, address, social security number, birthday, payment history, and location and name of the facility you were treated in. While this seems like a lot of information, the medical facility CAN NOT disclose the nature of your treatment to the collector. By including these details, the medical collection ARE IN DIRECT VIOLATION OF HIPAA REGULATIONS and can face fines. I would like this debt to be removed immediately from all credit reporting agencies or I will have no choice but to seek legal action.
Product: Checking or savings account

In XXXX Chase phoned me to say they were concerned about fraud on a recurring rent check. The check was deposited then returned. I begged them to let it be redeposited. They Refused although I know it could. I purchased a cashier 's check to replace it then the check Chase stopped cleared also. These tricks and games I am out {$1200.00}.
Product: Mortgage

Wells Fargo is using forged documents to foreclose on my home. Wells Fargo sold my mortgage to XXXX XXXX in XXXX. Since this was the case, then in XXXX when Wells Fargo started foreclosure there should have been only one note to be used in foreclosure. After I denied the authenticity of that note, WF then produced another note. At the note inspection Wells Fargo produced another note. 3 notes in total. They asked the court for summary judgment without providing the court all relevant documents. Prejudicing my defense of the foreclosure. On page 115 of the deposition admitted what they are doing would be considered unethical. My gripe is how can a person fight foreclosure if Wells Fargo can just recreate notes in order to foreclose. As a XXXX XXXX XXXX it boggles the mind that this would be considered a crime ( e.g forgery, offering a false instrument for filing ) if a person did this, but when a bank does it it is overlooked. This was all done after they were sued by the Justice Department on behalf of myself and other XXXX and XXXX borrowers in XXXX. They settled that by promising to treat us ethically.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX has violated my rights.

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 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.
Product: Checking or savings account

Since XX/XX/XXXX Bank of America has charged me in excess of {$2000.00} in NSF fees. Just in a 4 week period, I was charged over {$700.00}. The {$35.00} fees were charged even when payments were returned as well as when they were paid. My paycheck for {$2100.00} direct deposited today is nearly gone with most of it being swallowed up to these fees which in actuality amount the most usurious lending practices outside of the mafia. The APR for what I was " loaned '' is well over 1000 %. The average transaction in question was at or less than {$35.00}. I called B of A and let them know that after my divorce I am enrolled in an MBA program and am close to getting a second job. Bank of America in XX/XX/XXXX charged me in excess of {$2000.00} as well. Is this being listed accurately in item # 1 of Bank of America 's 10K? I do n't think so. In fact, I am certain after reading numerous reviews from other victims in my situation that they do this with impunity - they have the lobbyists and we do n't. I am not taking a political stand, I am simply pointing out that even though they had a judgement against them for {>= $1,000,000} in regards to the very same thing - they still operate as 'business as usual '' - this is wrong, predatory and illegal in any other sense. I suppose because of vocabulary terms they are able to hit people for very stiff " vig. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting an account on my file that needs to be removed. I recently took a look at my credit and noticed they continue to report an account and damage my score. I took care of this account a while ago and it has been paid. I ask they delete this account from my file and I am aware they can do that because they are the furnisher and can report who they want. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with CHASE CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHASE CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late 3 times. There was an error on their part. I was never 30 days late 3 times.
Product: Checking or savings account

Navy Federal send me a letter that I submit to them about my atm for provisional credit on my account of the ATM did not disports to me and then they said the merchant at the ATM stated that it was an error they said I got the money and it was not true and I want all my money because the merchant is lying and I submit my medical from my doctor that I explain that I stressed navy federal was giving me problem the doctor stated that if I continue this stress I could have a XXXX or a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account twice contradicting the XXXX XXXX they have been receiving from the US Dept of Education. I have a copy of the XXXX  the US Dept of Edu sent to XXXX from XX/XX/XXXX US Dept of Edu entered me into the XXXX XXXX XXXX which erases any and ALL negative reporting of all accounts. The US Dept of Edu provided XXXX an XXXX  back in XXXX of XXXX to update all accounts as being paid and remove all negative information, However, XXXX continues to report a US Dept of Edu account opened on XX/XX/XXXX with a balance of {$36000.00}. This account has NO account number reported because it is actually a combination of all the other 19 US Dept of EDU ACCOUNTS REPORTING as paid and in good standing. I recently sued XXXX for the same thing and won, I sued the Dept of Edu and won and now I am suing XXXX. The lawsuit was filed on XX/XX/XXXX and I can not wait to get them in court. 

Further, THe Dept of Edu is reporting all 19 other student loan accounts opened on XX/XX/XXXX. Not Accurate. These accounts were all opened between XXXX through XXXX. Once the dept of Edu transferred them to another department they re-aged all my accounts. Again I never opened any US Dept of Edu account on XX/XX/XXXX. Further, I never opened any US Dept accounts in XXXX, XXXX. 

This is the 5th time I am disputing this incorrect information. I am requesting documented proof I opened any US Dept of Edu account anytime in XXXX. Otherwise all these accounts MUST be deleted. 
I have attached the loan information directly from the FAFSA website confirming the dates I opened each loan. Which proves without doubt the date reporting opened of XX/XX/XXXX is INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that are showing unpaid. I have tried and even sent evidence that these accounts are paid but Equifax has not updated my credit report. These accounts are : 1. XXXX XXXXXXXX 2 XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXXXXXX XXXX  XXXX 8. XXXX XXXX
Product: Checking or savings account

Wells Fargo authorized almost XXXX XXXX dollars deducted from my business account At XXXX XXXX in Virginia. 
I live in California. 
Debit card was in my possession and it was fairly new. 
I say it was an inside job. 
I have copies of all transactions but I do jot have a scanner. 
It was like XXXX transaction at XXXX a pop. 
Please help us.
Product: Credit reporting or other personal consumer reports

Kikoff closed the count with out any proof to dispute my allegations and did not try to fix the problem very unfair.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I sent a second notice letter and submitted a complaint through the mail and their website regarding some disputes on my credit report. I asked for verification of the investigation and the documents used to verify the information listed in the dispute and on my credit report and received an email in XXXX letting me know they did not believe the letter came from me but I can dispute the information online. I immediately replied and said that it was me and even sent a copy of my drivers license for verification when I mailed my request. I have never been replied to and no action has been taken on my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showed 2 payments late so I contacted Pen Fed Credit Union and disputed the charges and late fees as fraud. I received a letter in XX/XX/XXXX. 2023 stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My XXXX showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.
Product: Debt collection

I OBTAINED A CREDIT CARD FROM XXXX  XXXX XXXX  BACK IN XXXX OR XX/XX/XXXX, THESE PEOPLE KNEW THAT I WAS ON XXXX XXXX XXXX PAYEMNETS, ANYWAY THEY SENT ME A LETTER DATED ON XX/XX/XXXX STATING THIS DEBT WAS REPORTED CLOSED AND THEY REPORTED TO CREDIT REPORTING AGENCIES AS " CLOSED WITH A XXXX BALANCE '', THEN THEY SOLD THIS ACCOUNT TO A THIRD PARTY VENDOR BY THE NAME OF RESURGENT CAPITAL SERVICES WHO DECIDED TO TAKE UP THIS CLOSED ACCOUNT AND HAS CONSTANTLY HARRASS AND THREATEN ME WITH PENDING LITIGATIONS AS I STATED TO THEM I ONLY RECEIVE XXXX BUT THEY DID NOT LISTEN AND STILL I RECEIVE HARRASSING PHONE CALLS, LETTERS, POSTCARDS AND THE LIKE WITH THREATS OF LEGAL ACTION, I WAS REFERRED TO THE '' HELPS NON-PROFIT LEGAL TEAM '', AND THESE COLLECTION PEOPLE STILL DISREGUARDED THESE PEOPLE 'S ATTEMPTS TO MAKE SURE THEY KNEW I WAS ONLU ON XXXX BENEFITS AND THEY COULD NOT RECEIVE ANY PAYMENTS .THIS CURRENT THIRD PARTY VENDOR ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX AND ALSO RESURGENT CUSTOMER SERVICE CENTER XXXX XXXX XXXX XXXX XXXX SC XXXX THEIR TELEPHONE NUMBER IS XXXX ( XXXX ) XXXX OR XXXX ( XXXX ) XXXX FAX NUMBER.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX 2024 ChexSystems , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Request to Opt-Out of Information Sharing Dear ChexSystems, I am writing to formally request that my personal information not be sold or shared with third parties. As a consumer, I understand my rights regarding the privacy and protection of my personal data, and I would like to exercise my right to opt-out of any information sharing practices. 

Please consider this letter as my official request to opt-out of the sale or sharing of my information. I would appreciate written confirmation of the completion of this request. 

If you require any additional information to process my request, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Equifax opened a XXXX day investigation for fraudulent inquiries listed on my credit report and closed the investigation within XXXX days with no investigation results, or any information in terms of finding and what they did. I previously submitted a complaint through the CFPB and how this company is violating Federal Law and overlooking what is supposed to be done as they are not over-standing their part in the authority over the law and not follow FCRA guidelines to which they are repeatedly turning a blind eye to what their supposed to uphold which is factual credit reports and integrity. This bureau over the past year has caused me insane amounts of mental anguish in which I have fell into a XXXX where I want to pursue litigation and file a claim in federal court against this credit bureau. I have countless disputes dating back XXXX  months on how I have requested countless information sent Identity theft reports in which this bureau does not investigate or send results of their findings. This fraudulent bureau doesn't even open investigations and I will attach it to this complaint of how this bureau actually does their job which is a direct violation of what this company portrays themselves to stand for.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my consumer report from Lexis Nexis. I want Lexis Nexis to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX : XXXX
Product: Consumer Loan

I called usaa consumer credit for a personal loan, due to impending monies coming in to me in possibly 2 weeks and told the loan consultant the facts, so she submitted the application as I said wait simultaneously. I told her I was just checking things out and the hard application was denied. She then called the back office to see if it would be retrieved back and the answer from the back room, was no. 
I contacted the credit companyXXXX, they told me that the bank has to delete it that I could not dispute this credit entry.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and found out that inaccurate accounts were reporting on mine. Please check the documents I've sent about this serious matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Executive XXXX XXXX XXXX XXXX for Misrepresentation of Services Dear CFPB I am writing to file a formal complaint against Executive XXXX XXXX XXXX XXXX XXXX XXXX due to significant discrepancies between the services promised and those delivered, which clearly violate the terms we agreed upon at the time of enrollment. 

Despite assurances of personalized career coaching and a guaranteed job placement within a specific timeframe, the program predominantly offered generic group sessions with minimal one-on-one coaching. This substantial deviation from the promised personalized service not only adversely impacted my career progression but also led to financial losses without achieving the outlined objectives. Furthermore, XXXX failed to disclose the interest rates attached to the financing of these services, which was a crucial aspect of my financial agreement with them. 

As part of my commitment based on their assurances, I have already made significant financial outlays totaling {$4100.00}, which includes XXXX payments of {$450.00} to Special Financing LLC and an initial payment of {$500.00} directly to XXXX. These payments were made under the belief that XXXX  would deliver the personalized services as contracted. 

Given the substantial non-compliance with the agreed-upon service delivery and the lack of transparency regarding the financing terms, I request the CFPB 's assistance in investigating these practices and facilitating an appropriate resolution. I believe this investigation is crucial not only for my case but also to prevent potential future consumer harm. 

Enclosed are all relevant communications, contracts, and other documentation pertaining to my interactions with XXXX. I am seeking a fair adjustment of the financial charges based on the actual services delivered and a formal acknowledgment of the issues from XXXX 

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

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX and XXXX XXXX. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint.The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts and inquiries added to report after Equifax reported they were not on the consumer report along with multiple creditors stating they were not able to even access the consumer file.
Product: Checking or savings account

On XX/XX/, representative from Bank of America called me from a Bank of America number. He was saying that I had some fraud my account through XXXX and he was going to transfer me to XXXX and gave me XXXX cancellation codes. Once I was transferred to XXXX I was speaking to a woman. Her name was XXXX XXXX, she said I need to go to my XXXX and my Bank of America app and click on the XXXX and go up and click on where the money part is and hit the cancellation code in. which the cancellation code was XXXX and send it to a XXXX number which I did that and it withdrew money out of my account. Soon as that happened I asked him why did it withdrew money on my account and they try to apologize to me and said that theyre going to give it back in there and thats when I called Bank of America XXXX have this stopped. Bank of America did not do anything for me. They gave me the runaround. They said were gon na try to look into it, I called back on XX/XX/XXXX. Nothing has been said or updated. They said that theyre trying to get a hold of XXXX because theyve had these issues with this type of stuff going on with their spoofing numbers. I called back again today at Bank of America to see if theyve heard anything and they said they have not heard anything yet and it could take up to 90 days. Ive called my mom what she works in a fraud department at a large bank in XXXX New Mexico, which is a XXXX XXXX, and she told me to contact yall because I shouldve already received my money back into my account. Bank of America has not helped me out in anyway. They said they sent me emails, which have not received received any email from them. They told me that theyre going to reach out to XXXX XXXX, which were the money went to and try to get the money back from XXXX XXXX and if they couldnt get the money back from XXXX XXXX XXXX they can not give me my money back, which I did not authorize any of these payments. I was scammed and its wrong Because soon as it happened, I called Bank of America right away.