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

EXPERIAN HAS FAILED TO FULLL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT FCRA TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION, CREDIT REPORT, LEAVING INACCURATE OR UNVERIFIED ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYMSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHER, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY 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. IAM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIAN 'S INACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA 15 U.S.C & 1681i, all unverified inquires must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the accounts listed below within 30 days of the receipt of this letter, you must remove these accounts from my credit report. 


Please provide me with an copy of an updated and corrected credit report showing these items removed. 


I demand the following inquires be removed immediately. 



Name Of Inquiry : Date Of Inquiry : 1.XXXX XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX  XXXX XXXX 4. XXXX XXXX XX/XX/2021 5. XXXX XXXX XXXX XXXX
Product: Mortgage

After a projected escrow shortage, I received communications stating my monthly payment would increase or I could add the projected deficit. It was suggested in the communications that if I chose the latter option, my monthly payment would stay the same ( XXXX ). I added the projected deficit and my monthly payment still increased to {$1300.00}. This doesnt sound like much, but my initial monthly payment was XXXX. Im concerned they will continue raising it until I cant pay it. There is no reason to increase the payment if there isnt a projected escrow shortage. Its a fixed rate loan.
Product: Credit reporting or other personal consumer reports

This unknown Retail Credit Card company named XXXX XXXX XXXX  with a balance of {$1500.00} has been reported on my Credit report with XXXX and Transunion. Opened XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mistakes happen in my report, I have never paid late these accounts :   XXXX   XXXX    XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Product: Checking or savings account

This has been going on for over a few years now with XXXX XXXX Where's, whenever I try to make a purchase rather it be online or in a store, I can't use my card for the purchase, when the funds are in the account yo cover the balance. XX/XX/XXXX for {$25.00} estimated. XX/XX/XXXX for {$26.00}. XX/XX/XXXX for {$58.00} estimated. Now today for XX/XX/XXXX for {$42.00}. I would either get a notification stating to enter a pass code in order to make this purchase on my XXXX debit card. The security code would never be sent to my cellphone number on file. I call XXXXXXXX XXXX and they said it was thru XXXX not them. It wasn't fixed i see. Please can someone let me know this can be handled properly?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims accurately. They informed me that recovering lost funds was not possible and tracking location was impossible. The CFPBs findings indicate that zelle gas not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress XXXX XXXXXXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress XXXX  XXXX, as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is a closed account listed on my credit report twice with the same account number XXXX. This account is closed and showing potentially negative XXXX This account is closed and showing potentially negative XXXX XXXX This account is closed and showing potentially negative XXXX XXXX  This account is closed and showing potentially negative XXXX XXXX XXXX XXXX This account is closed and paid/closed/ never late but on a credit report.
Product: Credit card or prepaid card

XX/XX/2020. 

I contacted the Capital One customer care service and i felt that way fraud specialist can not help with me over the phone because they need identification from me and need me submit social security card, driver license, and proof of address to Capital One and process the case with business 7-14 days to investigative the case third time I submitted. I felt like I had been discrimination experience with customer customer and been violated my rights third time. When I made contact through a video relay service and they thought it was theft identification and flagged it to fraud department. I understand they concern about security. It was me, XXXX XXXX. I am deaf and using a interpreter to communicate with them. they had communication barrier on it. The Capital One seems not follow the America Disability Acts Law procedure. The customer care service representative threaten me and violated my rights. They said do you want to close this account. I was feel inappropriate way they treat me wrong. I been loyalist customer to Capital One for over 16 years. this card is my favorite, I don't want to close this account. I does not understand why they does not accept to help me through a relay service on the phone.
Product: Checking or savings account

My card was lost on XX/XX/ some unauthorized activity occurs I called them soon as I noticed and reported it. A few weeks later the money was reimbursed but soon as it was reimbursed my account was restricted its been over a month. And only thing they could say is they don't know how long it will be before the restriction is removed. I would like for them to either remove the restriction so I can access my funds or just close my account as soon as possible. I've been extremely patient and there customer service isn't any help. They are even in breach of our agreement which states I could close my account at anytime. I asked them to do metha favor politely but no one considered helping me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went to credit karma to check my score, and was directed to a personal loan page. Recently updated, credit karma has been telling me for awhile that I could get a personal loan to help with debt consolidation. My debts are unchanged over the last few months, I have maxed out credit cards and can't get ahead due to 29 % APR. So one of the offers they presented was through XXXX XXXX, XXXX at 23.99 % APR. I wasn't going to apply because I didn't think I'd get approved, due to my high debts, which credit karma has an updated report on. However, Credit Karma stated this loan had a " Karma Guarantee '', they said I would definitely get approved for this loan, and if I didn't, they'd send me {$50.00} gift card. I gave it a shot, got declined, never heard from them. Never received an email. I should have known, because I tried this before with credit karma last year, and never received any {$50.00} when I got declined then. I've checked through all emails, nothing. I'm filling this report out now to escalate because I just found out this apparently is common, and multiple people are reporting credit karma is lying and not making good on their " Guarantee ''. Hopefully this report does something. People shouldn't be lied to and scammed out of credit inquiries and such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Checking or savings account

I was working a shift for XXXX when I receive a ride that dispatched me to a XXXX XXXX XXXX, Fl address on Sunday XX/XX/XXXX at approximately XXXXET. I arrived at the address and got a text message on the XXXX app to await instructions from the passenger. 

I got a call through the XXXX app from XXXX, a person who called himself XXXX. He informed me that I was being rewarded a {$500.00} bonus for excellent customer appreciation based on my last 15 rides. XXXX said he would wire the reward into my XXXX XXXX. He then asked to see a confirmation email from my email connected to my XXXX account. Had me repeat my email and phone number. 

When I didnt receive the email he asked me to change my password. Still no emails. Then he proceed to ask me for security codes that came in through my phone that he said he was generating. Once the XXXX account emails did not come in, he said he could connect to my back through a third party client. He asked for and I gave him username to my online banking which he said he was using to verify my TD Bank account. What he did was access my online banking through a lost password and asked me for the security codes coming into my phone to gain access. 

XXXX then opened the XXXX function on my account ( which I have never used ). Then he asked me to repeat back several security codes and then several {$500.00} confirmations which came up under the name XXXX XXXX. He used the XXXX function to attempt to withdraw three transactions of {$1000.00} each ( which the bank denied ) but then allowed three transactions of {$500.00} each. 

XXXX said he would call me back to fix the issue with the " reward ''. My XXXX account got locked and he said there was a server issue and that he would me call me later in the day with an update. A few hours later I felt suspicious and called TD Bank 's 800 number ( at around XXXX ET ) about what had happened and reported the fraud attempt. XXXX did call me later that night around XXXX ET. I asked him to please put the money back and he hung up the phone. 

I have filed a report to the FTC. FTC Report Number is XXXX and is attached to my complaint.
Product: Credit reporting or other personal consumer reports

1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX - XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Debt collection

After living in XXXX for XXXX years, in XXXX of XXXX I moved to XXXX, XXXX. In setting up my house and services, I searched for a cable/internet provider in the area. After much research, there were only two providers for my neighborhood. XXXX XXXX XXXX and XXXX XXXX... I, against my better judgement from previous experiences, chose XXXX XXXX XXXX with their dish service. I engaged XXXX XXXX XXXX and they came out and installed the equipment. Within 3 days I knew this was a mistake and contacted XXXX XXXX XXXX and immediately canceled their service. 

In turn, I went to XXXX and sent back all of their equipment and was told that any service fees would be credited back. As you can imagine, what I was told and what happened are two different things. XXXX XXXX XXXX has now discharged my debt to a collector and is now being reported on my credit report erroneously. 

I simply want this removed from my credit report and the balance to be cleared as it was originally promised. 

Thank you.
Product: Debt collection

They are reporting a collections account in the amount of {$410.00} on my credit report. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus. This fraud account needs to be deleted from my credit report immediately.
Product: Debt collection

I am not liable for this debt with IQ Data International , Inc. I do not have a contract with IQ Data International Inc. They did not provide me with the original contract with IQ Data International, as I requested. 
IQ DATA INTERNATIONAL Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 

Furthermore here are Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT It appears that the Company IQ DATA INTERNATIONAL have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the US Code service. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
Product: Mortgage

On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment received on XX/XX/2020, which consequently results in a 30 day late payment to be reported to the credit reporting agencies. 

On XX/XX/2020 the XX/XX/2020 mortgage payment was paid through my bank that has provided proof of payment that the funds were received on XX/XX/2020. The Mortgage Company website reflects this payment as received on XXXX 2020 I have contacted the company numerous times via telephone and by email ( which included proof of payment ) regarding the first matter since XX/XX/2020 and about both matters since XX/XX/2020. 

To date I have not been contacted by them and the errors have not been corrected.
Product: Mortgage

I XXXX XXXX, have been working with a housing counseling agency ( XXXX XXXX XXXX ) to resolve my mortgage arrears that occurred back in XXXX of this year. I submitted a modification packet through my housing counselor, and was offered a trial modification on XX/XX/XXXX. The three payment of XXXX were for the due dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My first two payments were sent and accepted, however the third payment ( sent prior to the first of XXXX ) was denied due to lender claiming that it was not received by the last day of the month. 
I am disappointed in the decision made by the bank and now have been faced with a XX/XX/XXXX sheriff sale of my property .I have made an attempt to resolve this matter to no avail. The lender Midwest Loan Servicing has now required that I submit new documentation, while not completely committing to the postponement of the foreclosure sale of my home.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX XXXX   XXXX  XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  OF XXXX -- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report from TransUnion, XXXX and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to TransUnion, XXXX and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. TransUnion received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from Transunion. I received a new copy of my credit report from TransUnion, XXXX and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX Complaint ID is XXXX. Transunion Complaint ID is XXXX. XXXX Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. Transunion Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX XXXX Account Number : XXXX or XXXX, Worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax let my information be stolen.