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

Experian can not seem to get this right. I've already filed a complaint with CFPB regarding this matter and Experian claimed it spoke with XXXX and supposedly confirmed that I am somehow responsible for XXXX  account no. XXXX. Experian uses this as a basis to keep its negative and erroneous report regarding me and this account on my credit report - essentially, Experian is reporting that I failed to pay and/or made a late payment in connection with XXXX  account no. XXXX. This is false. Experian should know this, because I previously forwarded to Experian a letter from XXXX attesting to the fact that account no. XXXX is not my responsibility. Nevertheless, Experian, in response to my earlier complaint with the CFPB, stated the following : " Per your previous request for reinvestigation, we contacted the data furnisher ( s ) for the account and asked them to verify the accuracy of the information with which you disagree. The data furnisher ( s ) responded to your dispute and verified that the disputed information was accurate as reported. '' Experian is either mistaken, not telling the truth, and/or did not really bother to contact XXXX regarding account no. XXXX. Provided with this complaint is the letter I previously sent to Experian along with a letter from XXXX confirming that account no. XXXX was not and is not my responsibility. If I am wrong, please enlighten me and XXXX as to why Experian continues to insist on trying to hang this bogus credit report regarding XXXX around my neck. If there is a valid and legal basis for what Experian continues to try to do to me regarding XXXX account no. XXXX, I would love to hear it. 


Failing that, Experian should remove the negative references to XXXX account no. XXXX from my credit reporting, and restore my credit score to what it was before it was improperly affected by Experian 's erroneous and defamatory attribution of account no. XXXX to me. Maybe this time, Experian will actually read what it has previously been provided, and actually speak with the person from XXXX who knows that account no. XXXX was not and is not my responsibility. 


CFPB, please look into this with a little more vigor than last time. Apparently, you can not believe or rely on what Experian says about XXXX, XXXX account no. XXXX, and the account 's truly non-existent connection to me. Please look at the letter from XXXX!
Product: Payday loan, title loan, or personal loan

I APPLIED TO USBANK FOR A XXXX LOAN. THE PORTAL IS BROKEN FOR MY APPLICATION AND IS NOT LETTING ME PRODUCE DOCUMENTS NEEDED TO BE ACCEPTED FOR THE LOAN. I EMAIL THEIR SUPPORT EMAIL ADDRESS WITH DOCUMENTS AND GET RESPONSES THAT DO NOT HELP WITH MY APP. THEY TOLD ME TO REAPPLY FOR THE APP BUT SIMPLY THE PORTAL DOES NOT WORK FOR MY ACCOUNT AND THERE IS NO ONE WILLING TO FIX IT. THEY KEEP EMAILING ME THAT MY APP IS MISSING DOCUMENTS BUT DO NOT TELL ME WHICH DOCUMENTS ARE NEEDED, INSTEAD THEY GAVE ME INSTRUCTIONS ON HOW TO GET INTO PORTAL, BUT PORTAL IS NOT WORKING AFTER FOLLOWING INSTRUCTIONS. I SENT IN XXXX T, XXXX XXXX XXXX, BANK STATEMENTS, DRIVERS LICENSE, CODES TO UNBLOCK MY CREDIT AND CODE TO BE ABLE TO DO A BACKGROUND CHECK. 

EMAILS HAVE STARTED SINCE XX/XX/XXXX, HAVE OVER 30 EMAILS BACK AND FORTH.
Product: Checking or savings account

On XX/XX/18 {$4900.00} was taken out of my Wells Fargo Money Market Savings Acct to pay XXXX XXXX  TX as a Web Payment. On XX/XX/18 {$780.00} was taken out of my Money Market Savings Acct to pay XXXX XXXX XXXX   as a Chg. Pymt. On XX/XX/18 I notified the Wells Fargo Fraud dept. that these withdrawals were not initiated by me. I also went to notify my local branch in person regarding the fraud. Then on XX/XX/18 {$2700.00} was transferred online from my Savings account into my Checking acct. Also on XX/XX/18 {$6000.00} was transferred online from my Money Market Savings acct into my Checking acct. I again called Wells Fargo Fraud dept. to notify them these transfers were not initiated by me. I additionally went in to my local branch office and notified them. The Fraud dept. decided at this point to close all my accts and issue all new accts for my Checking acct and both Savings accts as well as my children 's Savings accts. They then stated there would be stops and holds placed on my accts! They stated there would be a 90 day grace period window for things to clear from my old checking acct? Then on XX/XX/18 {$9600.00} was withdrawn from my brand new Checking acct. to make a Bill pay to XXXX  Card Services?
Product: Vehicle loan or lease

I got an auto loan from SunTrust Bank in XX/XX/XXXX. At the end of XX/XX/XXXX, the vehicle was repossessed. After few days I was able to secure the amount needed to bring up my account current and all the fees mentioned in the contract like repossession fee. To my surprise, when I called to make the payment, the bank representative had added {$1800.00} for " Other fees '' that can't be explained by any terms of the contract provided by the bank when I purchased the vehicle. I have requested from the representative to email me a letter from the bank to that effect, which I do have. I refused to pay that fee and offered to pay only the fees mentioned in the contract, but the bank did not accept and demanded the " Other Fees '' to be paid to release the vehicle. After few months, the bank sent me a letter explaining the calculation of deficiency. I called the bank and explained to the representative that I was not able to retrieve the vehicle because of the " Other Fees '' added couple of days after the vehicle was towed. At that point, the representative tried to convince me that " Other Fees '' meant " additional amount to be paid toward the principle ''. When I disagreed, the representative made a comment about " English being my second language '' and that's why I might misinterpreted the " other fees '' mentioned in the letter received by the bank on XX/XX/XXXX. I believe the representatives are playing with words to mislead consumers specially when they hear an accent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation. 

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

I request the name and address of the original creditor. 

I understand that written notice of the results of reinvestigation must be issued to me no later than XXXX business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX ( TransUnion ) XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files.
Product: Debt collection

I already tried resolving this debt and this is the third affidavit I'm sending to PRA and I also made it CERTIFIED MAIL WITH SIGNATURE this time around. PRA already responded to the other accounts and i am not sure why account # XXXX with a balance of {$720.00} wasn't included as part of the resolution. I am enclosing another copy of a new signed affidavit, police report, identify theft report and the latest letter from PRA.
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 Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

ATTENTION TO XXXX XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit card

My creditor is using abusive collection tactics. I told them I am in the process of filing a bankruptcy as recommended by a consumer credit counseling agency. The company then tried to demand payments and told me they would potentially refer me to their attorney for further collections. The lady I spoke to was very rude and very much not understanding of the situation. She made several threatening and intimidating statements during the call including that calls would possibly even continue while I am in bankruptcy and that they may conduct a review of my income and assets for dealing with further collection of this {$800.00} debt. I informed this person I barely had enough money to pay for my food and prescriptions and that my income had been greatly reduced. She kept pressuring me to make a payment. I told her my bankruptcy would be filed in the next two days and I did not have money and she just kept pressuring me to pay her. She really frightened me to the point where I was afraid she was going to keep calling during a time when she should n't.
Product: Credit reporting or other personal consumer reports

I reported that all of XXXX  loans accounts listed needed to be removed as they have been forgiven. I also reported that the XXXX XXXX account reported late payments which was not accurate because I was in lost mitigation and in forbearance. To date, what I reported is still on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account, despite repeated attempts to address the issue. This letter constitutes a formal complaint concerning the 11th unsuccessful attempt to remove these unauthorized entries. The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises serious doubts about your institution 's effectiveness in handling such matters. Kindly help me conduct a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as implementing robust measures to prevent their recurrence in the future. 

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress made and the measures being taken to rectify the situation. Additionally, I expect fair and adequate compensation for the prolonged inconvenience, distress, and any financial losses I have incurred as a result of this ordeal. Please help me remove these items 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 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 XX/XX/XXXX.
Product: Credit reporting 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, 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: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX, # the Following Crimes have happened to Me Financialy Losses # My 1st Report is = Transunion Credit report = this Transunion account shows a Criminal Acts, that were Theft & Fraud, Embezzlements, etc More. 
on the issues of = Loans, Advances, Lines of Credit, credit cards, etc made in my Name ID, CDL, SSN, Adress & Pictures and mayby more Not Telling  from Criminals were the Real Estate Targeted Places were Transacted for Crimes = IRS.gov property Tracers from Cyber or Phone # Transunion # XXXX XXXX XXXX, svcs web bank # XXXX,,, XXXX. XXXX XXXX, XXXX, tx XXXX XXXX credit limit = XXXX $ # balance = XXXX $ I know for a fact this computer was tampered with by the fraud & thefts accounts on my reports, plus it kept getting hacked into by cyberv criminals, I told the security, softwareof this and XXXX, I will report it to the cfpb, and all retaining docs, not saying I, m not paying but, what part do I pay at the end of your investigations help? date opened = XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I would like XXXX XXXX to help also in full with this issues please. 


2 # XXXX XXXX XXXX # XXXX,,, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX, XXXX,, creditor =XXXX XXXX XXXX {$640.00} $ Balance, =balance = due = XXXX $ very weird amount error?,, dates are wrong on opening, and closings = date updated on XXXX, XXXX # XXXX XXXX # XXXX,,, = XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ia, XXXX,, opened = XXXX/XXXX/XXXX ending date = XXXX/XXXX/XXXX,,, type unsecured credit XXXX XXXX, owing due = XXXX $ date closed = XXXX/XXXX/XXXX,,,, past due = XXXX $ XXXX. 


4 #, Attn this is all for my Transunion Reports # Financial Losses, Please Tell me who should I go to to Calculate Banking Loss $ Gas $ Time % $ Mental Anxiety, Wear Tear on Car Mileages Please,
Product: Student loan

Mohela is my current servicer and they are refusing to reimburse me for all payments that I made after XX/XX/XXXX. When I made payments in XXXX, during the pandemic pause, my servicer was XXXX XXXX. Those payments in XXXX closed some of my loan accounts because they paid off my the balances. Since that time, my loans were transferred to XXXX and in XXXX, they were transferred to Mohela, who is now my current servicer. XX/XX/XXXX, XXXX from the XXXX XXXX XXXX, told me that while Mohela is my current servicer, they are not responsible for repaying the closed balances that were paid off in XXXX. That information is incorrect. They have the records of all the payments I made in XXXX and as the current servicer of my loan, they are responsible for repaying all payments that I made after XX/XX/XXXX ( {$35000.00} ). Although they are legally responsible for reimbursing me for those payments, they are refusing to do so. Attached is a document from XXXX that shows all the payments I made, including payments made after XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an adverse account item logged to my XXXX credit report on XXXX/XXXX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim. 

The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XXXX XXXX, XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX exam and XXXX test could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters. 

Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XXXX XXXX, XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX. 

I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Product: Credit card or prepaid card

I opened a capital one credit card d account back in 2014 I had my account for many years in good standing actually in outstanding standing no issues what do ever paid on time never late! I made a payment once which was returned by my bank XXXX XXXX by mistake, I contact med XXXX XXXX they sent a letter stating it was an error to capital one but capital one saw fit to close my credit card account over the returned payment. Not only did they close my account but black listed me saying improper use of account?? So I was listed not able to apply for a card ever again with capital one?? I also included that account on my bankruptcy its more than XXXX XXXX XXXX & still dhoeing on my credit report!! I just recently applied & denied told I dont meet capital ones integrity?? Over a returned payment?? Mind you only one returned payment ever & a bank error.
Product: Credit reporting or other personal consumer reports

In an attempt to fix an issue with inaccurate and incomplete information on my report. This is affecting my credit score greatly. This credit reporting agency has my score at XXXXXXXX and the other two reporting agencies have credit score at XXXX & XXXX. This is significant. I have been disputing inaccurate information and Experian reports they have completed their investigation but, it is not correct.
Product: Checking or savings account

On XX/XX/XXXXI deposited a check for XXXX XXXX  at Citizen Bank and onXX/XX/XXXXwhen I called because they still have an hold on XXXX XXXX  they told me they have extended the hold till XX/XX/. When I asked why they only told me " we need more time '' when I asked for what they didn't reply. I think that extending the hold on check deposited unilaterally when there is no specific reason like fraud or funds not available is a fraud from the part of Citizen Bank