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

On XX/XX/2024, I submitted a formal dispute letter to Experian, contesting several collection accounts that appeared on my credit report. These accounts were inaccurate and not recognized by me. In my letter, I requested that Experian validate these accounts and provide the necessary documentation to support their presence on my report, as required by the Fair Credit Reporting Act ( FCRA ). Despite providing all required information and documentation, I did not receive any response from Experian within the mandated 30-day period. 

The accounts in question are as follows : 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 Since I received no response, on XX/XX/2024, I sent a follow-up dispute letter to Experian, reiterating my request for XXXXalidation of these accounts and demanding their removal from my credit report if they could not be verified. I reminded Experian of its obligation under Section 611 of the FCRA to conduct a reasonable investigation and respond within 30 days. 

To date, Experian has failed to provide any response, and the disputed accounts remain on my credit report. This lack of action on Experian 's part not only violates the FCRA but has also caused significant harm to my creditworthiness and financial reputation. I am now submitting this complaint to the CFPB, as Experian 's continued non-compliance with the FCRA and refusal to rectify this issue have left me with no other recourse. 

I seek immediate intervention to ensure that Experian investigates this matter thoroughly and removes the unverified accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding my repeated attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite numerous requests, these issues persist, negatively impacting my financial standing. I urge your agency to take immediate action to investigate and rectify these errors, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies that require your attention for removal : 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 

I have attached copies of documents that support my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

Under the FCRA, I insist that you : Initiate a thorough investigation into the accuracy of the disputed items immediately. 
Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any information that is found to be inaccurate, incomplete, or unverifiable from my credit report. Non-compliance with the FCRA may result in legal consequences, and I trust that your agency will adhere to the law and handle this matter with utmost professionalism. The XXXX, XXXX, and Transunion Credit Bureaus are required to removed the following mentioned items above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX credit card is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to Transunion about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Checking or savings account

I use an account service called  XXXX  to help out with my funding - which is fine and great! Until  WellsFargo dec ides to hold on to my transactions instead of sending and updating them live as they happen and actually even putting them in orders other than they actually occurred ( which is a whole other complaint ). But whe n WellsFargo holds  on to the transactions, it does n't allow my account with  XXXX  to update - causing me financial burdens! So far it 's been on hold since the  XXXX  and I 've had to manually update my account with  XXXX  because of this delay of data fro m WellsFargo. It should be posted and updated as the transactions occur, not several days later.      The attached image shows the recent transaction that occurred on the  XXXX  that  XXXX  was unable to see 2 days later because of the lack of updating my info.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this complaint regarding to the 3 credit repair reporting agencies for inaccurate information reported on my credit file. Despite my dispute and attempts to resolve the matter, no corrections have been made, which is unfairly impacting my credit score.

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which protects my right to accurate credit reporting, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), which governs the fair handling of debt disputes.

I request that the CFPB : Investigate for noncompliance. 
Require correction of errors on my credit report. 
Enforce federal consumer protection laws. 
Please find attached relevant documents, including my credit report and correspondence, for your review. 

Thank you for your attention to this matter. 

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

I reviewed my credit report and noticed an account for XXXX XXXX that I did not recognize. I contacted XXXX, and they referred me back to XXXX XXXX. After speaking with XXXX XXXX, they confirmed there is no account under my name. Despite this, the credit bureaus continue to report the account. I have spoken with the bureaus over the phone and sent a police report documenting the fraud, yet the account has not been removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name/ Number ~XXXX/XXXX XXXX  XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have XXXX XXXX XXXX. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
Product: Vehicle loan or lease

on XX/XX/2017 i was in a car accident with that vehicle and it was totaled due to the extensive damage to the front end.I purchased that vehicle inXX/XX/2017. The vehicle was towed to a police impound where the company picked it up and sold it for parts with all of my valuables in it as i was not able to retrieve my belongings from the vehicle such as my laptop and school supplies, my small tv, jewelry and etc. The company charged off the account while keeping the original balance intact while deducting what they actually received from selling what was left of the vehicle. The account was charged off after i was not able to continue making the same payments because they were bi-weekly and i was out of work due to the accident. They constantly harassed me for payment calling several times a day while even going so far as to rudely tell me to " go ask your family or do whatever you have to in order to make the payments ''. The amount that i was paying before the accident was {$150.00} bi-weekly and the total loan amount that is remaining and still reporting on my credit is {$7400.00} out of the original {$8300.00} and that was were my payments left off until the account was repossessed in XXXX after they got it from the lot and closed the account and sent it to collections then the debt was subsequently charged off in XXXX as it shows on my credit report.
Product: Mortgage

My mortgage servicer 'Wells FARGO bank ' is demanding that my HELOC mortgage expired, and the NEW LOAN amount is three ( 3 ) times what it used to be. SO from XXXX/monthly, it went to {$1600.00} over night. I bitterly complained and ask for their detailed explanation. They said these loan expire every ten years, and the new loan payment will be three times what it was. I was shocked, and I never had any indication a change was eminent, so I ask the Bank to send me what paperwork they had, if any, that mandated such. They sent my personal loan and Deed to a cover-lettered complete stranger in another state. In the meantime I dug out my original paperwork to read through, and since I never ask WELLS, or anyone else to make any changes, I had a Perfect NO LATE record after seventeen years, and PERFECT credits FICO, why should there be this unexpected change? Why? 
I have read, and reread my note ( disclosure ) etc..and I see NOTHING, that would mandate any change, let alone a massive triple my customary payment change, with interests rates 'going down '. And in addition they kept gradually increasing my FIRST mortgage amount while interest rates were going down, so made me wonder what was going on with it, NOW this dramatic increase with my HELOC, My private inquiry to an independent accountant and loan broker said a NEW mortgage would be a much lower overall payment, so I 'm confused and really annoyed and I ask WELLS to just refinance both my loans they were servicing into one, so I could save on my cash flow, they refused. They said since I did not pay the increased HELCO, that, that had ruined my credit, so they could n't make me a new loan. That REALLY made me angry. I had perfect credit until they ruined it, now I feel they are acted deceitfully and FRAUDULENTLY, thereby forcing me against a wall. They suggested they could offer me a Mode loan,,, for people with BAD credit? My research tells me I will not qualify for a mode, since I have too much equity. This BANK is ACTING with unfound unauthorized overpowering illegality. They are using Arcane methods. They must be forced to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX XXXX XXXX XXXX requesting all three bureaus to send me a free copy of my report. XXXX XXXX XXXX never responded or sent me a report..
Product: Credit reporting or other personal consumer reports

Nelnet just sent a letter stating that XXXX is the party that got multiple parent plus loans. If XXXX XXXX XXXX approved and agreed to any loans shouldn't the party accusing me have my signature agreeing to such agreement? I never signed for any Parent Plus Loans and I suggest you go after whoever submitted docs without my approval. I'm sick and tired of being harassed by this company and their false claims. Please provide docs with my signature and I will send in my bank signature card so we can compare these signatures. this sounds like a lawsuit.
Product: Checking or savings account

I am writing to express my dissatisfaction and frustration regarding the handling of my complaint with the reference ID XXXX. Despite multiple attempts to resolve the issue directly with the involved party, I have encountered significant challenges and lack of cooperation. 

The essence of my complaint pertains to an unauthorized deduction of {$31000.00} from my Wells Fargo account ending XXXX without my consent or knowledge. This deduction is related to a business line of credit account ending in XXXX, which was erroneously attributed to me, despite my non-involvement as a guarantor. 
Upon investigation, I found that the deduction is related to a business line of credit account ending in XXXX, not XXXX, as incorrectly mentioned in some records. This account was opened in XXXX, not XXXX, as erroneously stated. Furthermore, it is crucial to note that I was not a guarantor for this account, and it is currently under bankruptcy proceedings. The business line of credit account belonged to XXXX XXXX XXXX, a company that ceased operations in XXXX. All associated bank accounts, including the mentioned line of credit, were closed at that time. The termination of XXXX XXXX XXXX was finalized in XX/XX/XXXX. I want to emphasize that my involvement with XXXX XXXX XXXX was solely as a shareholder and not as a guarantor for any financial obligations. Additionally, in XXXX, we applied for a business line of credit for another entity, XXXX XXXX XXXX, which was not approved. However, the bank incorrectly attributes the deduction to XXXX XXXX XXXX, despite it being unrelated to the mentioned account. 

Despite my efforts to resolve the matter with Wells Fargo Bank, I have encountered obstacles at every turn. One particular concern is the lack of documentation provided by the bank regarding their research into the matter. Despite numerous requests, I have not received any documents outlining their investigation process or findings. 

This lack of transparency and cooperation from Wells Fargo Bank has left me feeling helpless and frustrated. As a consumer, I have the right to be provided with relevant documentation and information pertaining to any investigation into a financial matter that directly affects me. However, the bank 's failure to provide such documentation only adds to the uncertainty and distress caused by this unauthorized deduction.
Product: Credit card or prepaid card

Last summer I made a purchase at New York and Company. The order arrived very late so I ended up returning almost all the items ( some were sale items that couldnt be returned ). I used the prepaid label that they provided for the return, as well. In late XXXX, I reached out because I was still getting a bill on my credit card. They said they received my return but it was at an old warehouse and they changed facilities. He had me confirm, in email, which of the items I sent back and assured me i would receive a check for the return, along with the interest Ive been charged. Ive been reaching out for months for a follow up and to resolve but they will still not send the refund. They just keep saying they are working on it.
Product: Prepaid card

XXXX XXXX XXXX  are still not working. This is even after receiving email from XXXX XXXX that first XXXX card are now active. These cards are still getting declined. I either need these XXXX cards replaced or a check for these cards. 

Please send to XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Attaching documentation including receipts. id, proof of address sent via email already XXXX XXXX  at XXXX are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For many months I have been trying to resolve this issue. Experian has violated my right under the XXXX  law and Fair Credit and billing Act. I have never been late and disagreed with the balance on this account XXXX XXXX XXXX {$190.00} Account number XXXX. I have requested full validation for this account and have requested who and what rights they have to collect on this account. I see in my Experian credit report that this account has a charge off and would like to see full information. Also request to see how Experian investigate this account and from where did they purchased my public information as I have opted out of any XXXX party vendors who may have sold my information to Experian without my consent. Please provide the requested information as soon as possible. If Experian can not, I demand this account be removed from my report.
Product: Credit reporting or other personal consumer reports

I was the victim of a telephone/internet phishing scam where I was defrauded for my personal information by a scam involving being contacted by someone posing as a representative of my bank, XXXX Bank XXXX My driver 's license, social security number and card, and debit card information were stolen by the criminal. After receiving calls, texts and letters from collection agencies in XXXX, I checked my credit report to find numerous fraudulent accounts that I did not authorize or create. This has created extreme stress on both myself and family, and has disallowed me access to financial services for vital things needed in our life currently. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of alleged debt, nor therefore any such debt actually exists. 

I have attached the FTC Identity Theft Report that was filed and I have attached my XXXXXXXX XXXX Report showing that they have removed all the fraudulent accounts. I need Experian, XXXX, and XXXX to remove the accounts today. 

Fraudulent accounts/collections to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

For many months now I have received automated calls to my number XXXX, often twice daily from the Synchrony Bank requesting contact with XXXX XXXX. I am not XXXX XXXX, I do n't know anyone by that name. XXXX XXXX has never lived on my address. I received my phone number about two years ago from XXXX XXXX XXXX Apparently it was a " recycled '' number and may at XXXX time have been the number for the XXXX family ; I also received many other calls intended for various members of the XXXX family, but the Synchrony Bank calls are the most annoying ones. My attempts to discuss the matter with Synchrony Bank have failed because when I respond to a call, the automated response asks me for the account number or other identifying info. which I, of course, do not have. When I called the main number and finally was able to speak to a live person, I was transferred to XXXX different departments and finally to the " Fraud Department ''. The connection with the " Fraud Department '' was so bad that I could not understand them and they could not understand me. At one point I was told that I have XXXX accounts with the Bank. I tried unsuccessfully to inform them that I have never had any account or any other dealings with Synchrony Bank. I also have tried call blocking through XXXX which gave me relief for XXXX short time but then the Bank apparently switched to another number from which to call me. So, the calls continue. I would greatly appreciate if you could communicate with the bank in my behalf. I am XXXX years old, have an outstanding credit record and feel I am being harassed by Synchrony Bank. My assumption that Synchrony Bank would eventually recognize that these calls are fruitless for them was mistaken.
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/year> Amount : {$200.00}
Product: Checking or savings account

Company has shut down their online chat service, is actively dismissing calls with long wait times, and has no other way of contacting for closure. They have asked that I use XXXX for their customer service, which directs me to the call line, that again, consistently drops calls on their waiting line. I have verified this by checking with their XXXX help line, as others are experiencing the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to Transunion/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet TransunionXXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681a ( 2 ) ( 3 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) (
5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by a consumer.

( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

For the purposes of 15 USC 1681b et seq., this Notice has the same effect as a dispute to the validity of the erroneous reports and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires. Furthermore, present your proof and send me copies of my written signature giving consent to this matter please.

The items included herein should all be removed from my consumer report under 15 U.S. Code 1681a ( 2 ) ( 3 ) ( a ) ( i ( 2 ) and 15 U.S Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

15 U.S.C. 1681i and 1681j : These provisions mandate that credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX -Threaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do.

- Called my work after I told not to contact place of employment