23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 9 months since I have been going back and forth with Experian over several accounts, bankruptcies, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Experian but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.XXXX  XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX , 5. XXXX XXXX # XXXX, 6. Ch XXXX Bnkrptcy # XXXX, # XXXX, Ch XXXX Bkrptcy # XXXX. There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Experian has clearly violated my rights as a consumer under sections 605b, 609, and 611.  These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Experian and will provide if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is final attempt before filing a lawsuit. You have allowed XXXX violate my right as a consumer. What they reporting is N inaccurate account. There were unauthorized charges made on this card while I was admitted in the hospital for several months due to XXXX XXXX, surgeries and XXXX. I sent a copy report to XXXX. Have XXXX  provide a copy of each transaction along with the signature to each transaction. I have been asking for this and they fail to provide it. I cant believe each credit bureau is allowing them to report this account without asking for documents. I would like for each credit bureau to provide me with validated documents and proof of my signature on each transaction with XXXX. XXXX  also have cameras they should be able to review their store cameras and see it wasnt me using the XXXX  credit card. This is my final chance next I will be suing for up to {$15000.00} for each entity thats allowing this account to be reported under my credit file
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unreasonable. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has nether corrected nor removed dispute 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 XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

In XXXX, 2023, I received a bill from Chase for my Marriott XXXX credit card. That bill had a statement balance of {$22000.00} with a due date of XX/XX/2023. I paid the balance, in full, on XX/XX/2023. I just received my XXXX statement and am being charged interest of {$310.00}, even though I paid my prior month balance IN FULL by the due date. I called and spoke with a customer service representative and a supervisor and they will not remove this charge. 

It has always been my understanding with any credit card that if you pay the balance in full, by the due date, that you should not be charged interest on your next monthly statement. I do not understand why Chase is not only charging me interest, but charging me a LOT of interest, when I paid my prior month balance in full, by the due date!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit file, and I request that you reinvestigate the following items : Incorrect and incomplete address information : XXXX XXXX XXXX XXXX XXXX, FL XXXX The inaccurate information on my credit report has negatively impacted my ability to fight against identity theft. I have attached copies of supporting documentation, including my driver license. 

I am aware that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for violating FCRA by failing to properly reinvestigate disputes, delete inaccurate information, and notify consumers of the results of reinvestigations. Given these allegations, I respectfully request that you handle my dispute in full compliance with FCRA, specifically : Conduct a thorough reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. 
Forward all relevant information I have provided to the furnisher ( s ) of the disputed information. 
Provide me with written notice of the results of the reinvestigation, including an updated credit report, within 30 days of receiving this dispute. 
Ensure that previously deleted information is not improperly reinserted into my credit file as it has been done so numerous times recently. 
If XXXX is unable to verify the accuracy of the disputed information, please remove it from my credit report immediately, as required by law. 

I look forward to receiving confirmation that you have received this dispute. Please respond to my request within the timeframes required by law. If you have any questions or require additional documentation, do not hesitate to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Dear Sir or Ma'am, We are experiencing a financial hardship related to having to care for our son who is XXXX, consequently we are not current with our Mortgage with CitiMortgage. We had been able to make payments on line through their website XXXX. 
This morning to our surprise we found that the option to make payments is no longer available and our account locked. This was disappointing and creating more stress to not allowing us to have the opportunity to get our payment done. They advertise " We are here to help you '', however being locked out of our online account prevents us from making our mortgage payment to have a digital fingerprint of our payment. " Sorry you are not eligible to make payment online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XX/XX/2021 XXXX ( XXXX ) - ( XXXX ) XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 errors on my credit report I paid in full the balance 's of three account 's from XXXX XXXX XXXX XXXX on three dates XX/XX/XXXX of {$140.00} and then XX/XX/XXXX of XXXX XX/XX/XXXX of {$21.00} they won't take the two remaining accounts from off my credit report and of XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

For other reasons, I am trying to switch banks. I filed an application with the new bank, and they accepted but needed me to unfreeze my Experian credit hold.

Thus begins my three hour odyssey of attempting to do so. 

XXXX. I can't log in to my Experian account online because they use text XXXX and say that my phone number is incorrect. I have had this phone number since. XXXX, so not sure what's happening there. 

XXXX. Their IVR is a circular loop with no help. They just refer the user back to their help site repeatedly with no resolution to my particular issue. 

3. The IVR hangs up on you. I tried multiple prompts in an attempt to bypass the IVR. I said, " I'm the victim of fraud. '' It basically said, " No you're not '' and hung up on me.

4. I finally said, " Lift credit hold. '' The only requirement to do this is my SSN and Zipcode. Like 90 % of the US, I'm the victim of a data breach, hence the hold. Literally anyone, then, can lift the hold with this information just by saying it in to the IVR?? Regardless, the IVR came back and said, " You don't have a freeze. '' Well, yes, I do, which is why I'm chasing trying to have it lifted??

5. Horrible experience and I no longer trust that Experian will keep my data safe. What a mess. 

Please hold Experian accountable for keeping their user 's data safe. They had the biggest data breach in history in XXXX and leaked my SSN in the first place - now they're just letting anyone with my information remove credit freezes?
Product: Bank account or service

so last year I had open an account with wells fargo my account was getting hacked I had to open up claims the claims were denied and all my money was gone, I went into the branch to let them know what was going on and come to find out they said that they can no longer due business with me there nothing i can do, I had got a email from XXXX let me know that my social security was out there and that I needed I need to let everybody know I let wells fargo know what happen they still closed my account and said they ca n't do business with me I was so hurt because i really loved wells fargo and i came from wachovia and i never had any problems with wachovia and for wells fargo to just dismiss me after i was hacked says they are not gon na protect me and they do n't protect there customers. after I saw that wells fargo was being sued due to people hacking into people account I let them know that i was hacked and then i was let go they basically said i still ca n't do business with them and theres nothing further they can do and basically i owe them money. wells fargo owes me my money and my name back and I want that they were doing shady business when people back was turn own up to what has been done so i can clear my name I mean its rough when banks do n't believe that its you wen accounts are getting hacked
Product: Credit reporting or other personal consumer reports

I contact the credit report Experian on several occasions regarding things on my report that wasnt mines and car loan with a car I no longer have.Everything is over eight to XXXX XXXX XXXX but every time I look on my report its new dates like they keep refreshing the dates.I dispute this so many times but everything is still on my credit report even incorrect addresses too.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Consumer Loan

American Honda Financial disclosed my loan information to my boss at work and revealed that I was 90 days past due which is a violation of the FDCPA
Product: Credit reporting or other personal consumer reports

First I did give this company a 60-day notice However, it's in the collection. I tried calling the company and attempted to have a civil conversation with I believe her name is XXXX, but she continued to talk over me, I merely trying to ask a question, Please keep in mind I'm calling to try and resolve the issue. she hung up the phone. I called back she hung up the phone again. Not sure what I can do now
Product: Vehicle loan or lease

XXXX, I have sent numerous times but I dont get any response back from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencys, which is Experian, did not modify or remove anything.

The date open is not correct date last active is not correct on all three credit reports. Date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Ive attached my previous credit report, and my new credit report to show how Experian violating my rights.
Product: Checking or savings account

On XX/XX/2021, Wells Fargo ( refunded ) me XXXX XXXX, That was originally sent to XXXX XXXX XXXX Via wire-transfer. The receiver did not accept Wires, so I then used that money and sent only XXXX XXXX ( back ) to XXXX XXXX XXXX via Online-transfer which they did accept, however Wells Fargo FORGOT about it and never sent it, yet processed it in my account as they did, and it was removed from my balance, and still is. I called them to locate it and they apologized and said it would be sent tomorrow but I no longer trust that they are being honest. 

I then forwarded another wire of XXXX XXXX, from XXXX XXXX XXXX to Wells Fargo today at XXXX XXXX and they claimed that it was never delivered yet it is posted on the XXXX XXXX XXXX account as sent and received. 


Please help me locate the money they keep forgetting about.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS NOT MINE CREDIT CARD XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY SS XXXX NOT JOBS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY NAMES XXXX XXXX NOT MY INQUIRIES XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a job and family services child support case that ended on XXXX with a XXXX ballance due and is still there after 16 years. 
It went away once, now its back. 
I want it permanently gone. If it returns, please instruct me how to sue these XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan that is reporting on my credit report. I never received a letter stating how much it was sold for or current balance. They are still reporting incorrect balance because I never did receive that information. I have tried to reach out them but they have not responded or keep trying to verify incorrect information. I want it removed from credit report. 

It is a car loan reporting for XXXX XXXX that was a charge off. This information is not correct and noone will respond.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX XXXX  SSN : XXXX Address : XXXX XXXX  Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address