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

I have contacted Experian at least 10 times since 2019 to remove accounts that are incorrect, unvalidated and/or unverified. 
-They have not removed this information, despite not sending me, as I have requested, a consumer contract with my signature, instead they continue to report these accounts. 
-These accounts also do not appear on other reports, yet Experian continues to report these accounts. 
-Additionally, in the latest report I have, they have failed to put a 100 word statement that I listed multiple times in dispute to one of the accounts that incorrectly appears on my report since it continues to appear -Additionally, they removed an address that was correct -Yet, they have not removed incorrect, unverified or unproven, unvalidated accounts and have not shown accounts to be disputed with the 100 word statement -Despite repeated request for contracts to actually validate these accounts and verify them, Experian refuses to remove the account and continues to report this information without reinvestigation and continues to report unvalidated accounts not removing them. Under Fair Credit including sections 609 and 611, they are supposed to delete these accounts, yet they keep reporting them, refuse to remove them despite my repeated requests under federal law.

Please remove these accounts from the credit report immediately. Thank you.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to submit a complaint against XXXX XXXX and there services. I am complaining against there credit scorings system, I am very dissatisfied. XXXX XXXX lowered my credit cards line on two credit cards. XXXX XXXX are reporting false information to the Credit Bureaus due to my wife debt relief program. Her synchrony credit cards accounts are not active. 

Her credit cards accounts are closed due to shortage of working hours. I could provide statements and proof of letters that XXXX XXXX is using false information against my credit history. They are violating my rights. XXXX XXXX are basing my wife debt relief program against me. I have some concerns. These cards are not joint accounts. Here are the following names of the credit cards my wife have with XXXX XXXX   Walmart, JCPenny, XXXX XXXX XXXX, XXXX. 


I have same credit cards but separate from hers. Here are the following XXXX XXXX  credit cards that I have actively opened, XXXX. XXXX and XXXX, XXXX and XXXX know as XXXX XXXX XXXX credit card is at XXXX balance ( paid in full ). XXXX XXXX decided to closed this account without any authorization or permission. I am making monthly payments on the other 2 account with no problems. Keep in mind these credit cards are not joint account but they are using there credit scoring system against me due too my wife debt relief program. They are willfully violating my rights and using my information to damage my credit history and score with the credit bureaus. XXXX XXXX   stated that they do month to month monitoring credit check. I'm very concerned. I never heard banks checking credits on month to month bases. I think they are Discriminatory Credit Card Practices. Please forward my complaint to the right Department or the Consumer Financial Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX & XXXX BANK Account Number : XXXX XXXX XXXX COLLECTIONS Account Number XXXX XXXX
Product: Mortgage

This is my 2th complaint about Wells Fargo. After my first complaint XXXX XXXX/XXXX/XXXX XXXX Wells Fargo has totally stopped working with me.First they said they they were looking into my concerns and should have some answers by XXXX/XXXX/XXXX, then they said by XXXX/XXXX/XXXX. Now they say they should have something by the XXXX. With a sale date not being moved or postponed from the XXXX/XXXX/XXXX??? 

While this is happening I receive a letter dated XXXX from Wells Fargo that said ; they are not moving forward on a review of mortgage assistance. But before I received a letter dated XXXX/XXXX/XXXX that they received the purchase offer from my agent and were moving forward with the review for the short sale, My agent and myself both contacted Wells Fargo and asked what was the problem ( was it with the agent or the new buyer ) and were told Wells Fargo will not say. 

After Wells Fargo received my original complaint I received a call from their XXXX XXXX XXXX XXXX and was told they were not going to work with me. This is not right!
Product: Credit card

For years I've been paying my citi bank best buy credit card via autopay. It was due for an auto withdraw. I had more than enough money to pay the card on the XXXX. The system for some reason did not take my regular amount min due on the autopayment schedule, it's being called " late '' and possibly sent to collections unless I pay {$2000.00}? Why did it force this. I had no idea this didn't go through until my card was declined. Nobody called me or texted or emailed me until extreme consequences were taken. If somehow I had taken myself off of autopay, please forgive me I had no idea I did that and wasn't keeping up. Please forgive me
Product: Credit card or prepaid card

Hello, I 've received a letter from CITI stating that I was enrolled in Credit Protection Program and charged a monthly fee without my consent. The letter said that I can to the website : www.citi.com/XXXX and submit a claim for a refund. 

When going to that website provided, it does not work. I am still unable to request for refund. 

Account Ending : XXXX Customer Reference : XXXX Tracking Number : XXXX XXXX XXXX Thanks, XXXX XXXX
Product: Debt collection

I am writing to formally request the removal of fraudulent activities associated with my identity from my credit file. These unauthorized transactions have been erroneously linked to my credit history, adversely affecting my financial standing and personal reputation.

Upon discovering the fraudulent activities, I took immediate steps to address the issue and mitigate its impact. However, despite my efforts, the unauthorized transactions continue to tarnish my credit report, posing a significant obstacle to my financial stability and peace of mind.

I kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in.

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report.

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

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

I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated Identity theft report and required and requested information requested by Experian and XXXX. 

Experian and XXXX continues to violate my rights and are Making me jum through hurdles to get these fraudulent collections and inquiries off of my credit files. 

This is the last warning to follow the laws and stop violating my rights i have provided all documentation needed and I demand that you stop violating my rights immediately and remove these fraudulent entries from your credit files. 

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 All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Credit reporting, credit repair services, or other personal consumer reports

chexsystems  is knowingly reporting a fraudulent items masquerading as accounts on my consumer file. I have provided police reports identity theft affidavits. No real investigation was done. If so they would have found out that this item is fraudulent
Product: Consumer Loan

I am filing a complaint against Santander Consumer USA due to these facts they report False information to the credit Bureau. First of all this car was obtained on XXXX XXXX 2014 with the payments being XXXX for 72 months with the payment due the XXXX of every month. And the first payment commencing on XXXX XXXX per XXXX request because they were having issues getting me set up on XXXX deposit and that was paid. on time. there was another payment that they received on the first but they did not cash until XX/XX/XXXX. They Reported that they were not paid XXXX From ABNB they received a check for XXXX which was false information I will attach copy of the check for the amount of XXXX that Santander Consumer USA cashed at XXXX XXXX Bank in Texas. Then they stated I made a payment in the amount of XXXX and it was a credit card charge back which was incorrect I sent them a cashiers check in the amount of XXXX and they cashed it XXXX XXXX. I will also send a copy of that check. for proof of that. There are XXXX credit bureaus and they have gave all XXXX conflicting information starting with XXXX they have it on my report as a repossession charge off for the amount of XXXX and stated that I never made a payment and I got the car XXXX 2014 and that it was taken in XX/XX/XXXX as a repossession. then they have it on my XXXX credit report that it was open XXXX XXXX, 2014 and they I only made 1 payment so it was a XXXX charge off paid in full. I will attach the title to my vehicle letting you know its not a repossession or a charge off. So then we did the figuring to this car loan with a high balance of XXXX and we subtracted the payoff amount that was quoted to XXXX on XXXX XXXX 2014 was XXXX and that brought the balance to {$440.00} then we subtracted the XXXX that they cashed XXXX XXXX which bought the balance to {$52.00} but they said I had and overage XXXX which I should have never received the overage because my balance was {$52.00} then But I was unaware of that. So If I owe Santander Consumer USA anything I owe them {$52.00} back because that check for XXXX was incorrect. I will attach documents to all information that I am stating. XXXX XXXX bought this car before XXXX XXXX because that would have been my next payment of XXXX but the Bank bought my car so they got the payout quote.
Product: Debt collection

Whoever is calling wanted to verify residency by giving last XXXX numbers of social security number and would not state who they are or any other information as why they are calling and caller ID just said the phone number and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX DOE to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX DOE in XXXX. I never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX XXXX too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects a poor payment history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by TransUnion. It has costed me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and has unnecessarily XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

XXXX credit card through synchrony bank. 
I went to XXXX to repair my transmission they installed a different model then what was brought in and didn't tell me. Then they cut oil lines to the radiator and ran the new lines so they were running against the axle and scorn within 10 miles. When I drove it home my 2 rear brake lines were snapped off. I went to a different mechanic to review the work since XXXX manager couldn't give me any details on what was repaired. The new mechanic showed me all the incorrect installed lines, missing dust guard and recycled junkyard transmission and leaking seal they installed. When I went back to XXXX they told me they can't find the transmission cover and it was sold out but it was not needed. As per XXXX without the cover the inner seal will rot and I was able to find the cover in 5 minutes on XXXX. Between the other shop cost, brake line repair cost and blatant lies I will not go back to XXXX. 

I contacted synchrony about the issue and have now logged 3 fraud claims which have been denied without ever calling me or emailing me like they promised for the photos of the issues and report from the other mechanic. I have logged over a dozen calls which I repeatedly get hung up on by synchrony banks reps.
Product: Credit reporting or other personal consumer reports

Credit Reporting agency continues to unlawfully re-insert negative and unverified collection accounts on my credit report agency.

Formal Dispute and Complaint Against Experian Experian and Equifax for FCRA Violations __ Dear Consumer Financial Protection Bureau, __ I am formally filing a dispute and complaint against Experian and Equifax, a credit reporting agencies, for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and violating the following provisions : __ 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation ; __15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a timely and substantive response to my dispute ; __ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to properly notify data furnishers and correct/remove inaccurate information. __ Most recently, XXXX XXXX I formally disputed inaccurate and/or unverifiable information on my Experian and Equifax credit report. This dispute was filed in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that Experian and Equifax must conduct a proper reinvestigation of disputed information. Despite this, Experian and Equifax have either failed to conduct a reasonable reinvestigation or has continued to report inaccurate information without proper verification. __ Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian and Equifax were required to provide me with a timely and detailed response regarding the outcome of its investigation, including the sources it relied upon to verify the disputed information. However, Experian and Equifax failed to provide such documentation within the legally mandated time frame or issued a generic response without substantive findings. __ Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian and Equifax has an obligation to notify data furnishers of disputes and take corrective actions when information can not be verified. In my case, Experian and Equifax has continued to report disputed items despite a lack of verification from the original furnishers, constituting an FCRA violation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Inaccurate/Negative Items Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 6802 Dear [ XXXX XXXX XXXX ], I am writing to formally dispute the following inaccurate and negative items listed on my credit report : [ List the specific negative items, such as account number or other relevant details ] Under the provisions of the XXXX Act [ 15 U.S.C. 6801 and 6802 ], financial institutions are required to protect the privacy and security of consumers ' personal information. These laws mandate that institutions establish safeguards to protect sensitive information and prohibit the unauthorized sharing of personal data without explicit consent.

I believe that the reporting of these negative items may involve a violation of these laws, as my personal information was not handled in accordance with the privacy protections mandated by federal law.Therefore, I respectfully request that you investigate these items under the Fair Credit Reporting Act [ FCRA ] and remove any information that is inaccurate, unverifiable, or otherwise improperly included in my report.

In accordance with my right as a consumer, please provide written confirmation of the removal of these negative items of a detailed explanation of your investigation process within 30 day of receiving this letter. I expect that if you can not verify the accuracy of these items, they will be promptly deleted from my credit report. 


Thank you for your attention to this matter. Look forward to your timely response. 

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

I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
Product: Mortgage

Let me preface what Im about to describe by stating that even after hiring a lawyer, we were never told about filing a complaint here, nor were we told the bank/lenders actions were wrong ... maybe illegal?! That will explain why I am just now filing this claim/plea for help. 
During the housing crisis of 2008, unbeknownst to us, Countrywie Home Loans sold our home loan to Bank of America ( BOA ), This triggered a set of events that we continue to battle to this very day!

We were never notified in ANY way that our loan had been sold AND the terms of the loan had changed until our automatic payment ( s ) were returned by Countrywie. It was at that point we were informed our loan had been sold and terms changed via BOA. Bank of America notified us that the payments were returned because we had not been paying the full amount due to the change in loan terms/payment amount, and if we didnt pay $ x we would face forelosire!! 
To make a long story short, we nearly lost our home to foreclose ... we were even encouraged by BOA to stop making payments so we would qualify for assistance! Fast-forward to today ... not only did we lose tens of thousands of dollars in trying to correct a situation that should have NEVER happened ... thanks to BOA, but ou credit has been irreparably damaged! 
I truly wish we had known about this claim process as an option when this situation began. It is my hope at this point that either we can recover funds for which we still believe we shouldve never had to pay or that our credit can be restored so we can finally move on with our lives post BOA credit damage! 
BOA has made our lives a living nightmare for almost 10 years! 
Any help you can provide is greatly appreciated! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a letter was sent disputing the inaccurate and incomplete information on my consumer report i was never notified about the investigation SEE attachment