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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/scrub>/2025 Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX, California XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 without my written instructions. 

15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 ) ( C1 ). 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: Prepaid card

As a participant in a XXXX XXXX XXXX I was given a XXXX XXXX debit card powered by XXXX and issued by Fifth Third Bank. I never used the card for any transactions. The initial deposit by the XXXX  sponsor was {$1500.00} as I recall. I have nothing to confirm this at present. There were subsequent deposits for a second visit to the study sight as well as telephone visits. 
I never interacted with the card until XX/XX/XXXX. I had forgotten my PIN and contacted the study nurse who reached out to the sponsors to have the first card closed and a second card issued. At the time the second card was issued there was over {$600.00} balance. I suspect that there had already been unauthorized withdrawals then but I wasnt provided with transactions on the previous card. On XX/XX/XXXX I accessed my account online intending to transfer the funds to my bank account. There was a balance of {$19.00} in the account. The most recent activity on the card were international transfers to XXXX XXXX XXXX XXXX XXXX The customer service representative at XXXX offered to email me a customer statement of disputed transaction which could be completed and returned by email to XXXX the headquarters of Fifth Third Bank in XXXX, OH. To me this is an inadequate and indifferent response. Especially as she continued to refer to the hackers as the merchants. I do have the record of transactions and their descriptions which I can pride to you.
Product: Mortgage

XX/XX/2016, I applied online for a refinance with Wells Fargo Mortgage. Documents requested were submitted through the online portal. I was requesting some cash out to satisfy another loan as well, so the total amount requested was around {$110000.00}. As I monitored my application online, I noticed that the amount requested increased to {$110000.00}. I emailed the contact I was given, and inquired as to why the increase, since I had not requested it. I was told that amount would consolidate all my mortgage debt. All documents required for a decision were submitted, and I received a conditional commitment letter for {$110000.00} ( please see attachment ). I also paid for an appraisal. After the appraisal was received, I was told that it came in too low, so consolidation was not possible. I asked about a refinance to a lower interest rate with no cash out or a HARP loan, and I was told that was not possible either, since I had a home equity loan. I then asked why was the loan a home equity, but got no answers. I received no copies of loan documents, nor have I received a final denial or approval letter. All documents that I submitted online have been deleted.
Product: Credit reporting or other personal consumer reports

I've informed the credit report companies, XXXX, XXXX, and Transunion, that these aren't accurate, and I've produced the XXXX XXXX Bankruptcy, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX Bankruptcy, and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.
Product: Debt collection

COLLECTORS KEEP REPORTING COLLECTING, CALLING ETC.. ESPECIALLY AFTER CEASE AND DESIST ORDERIN PLACE SINCE 2008 SEE LETTER FROM XXXX.
Product: Debt collection

The following report is showing in my credit and I have not been treated by this place. 
XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$160.00} Outstanding Payment History Youve made 0 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC N/A CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due BR Bankruptcy RF Repossession / Foreclosure CC Collection / Charge-off N/A No Data Available Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$160.00} Unpaid Balance {$160.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Collection Agency RSH & ASSOCIATES LLC
Product: Checking or savings account

I have already filed a complaint here and learned that it was closed with no resolution no investigation nothing done but a bunch of avoiding the actual complaint Therefore not only will I see the bank in court I will also be involving the cfpb in my suit Due to the negligence by your agency and the refusal to properly investigate Your agency is useless and just as corrupt as the bank that is stealing money from its customers and you already have every document it is in the case file you closed without doing any form of investigation and with nothing resolved
Product: Vehicle loan or lease

XX/XX/year> I purchased a vehicle XXXX XXXX XXXX and they sold the debt to XXXX  XXXX  XXXX without my knowledge. XXXX called and advised me that they were taking over my loan as the finance department for XXXX and that I will need to make the payment to them. I asked did they buy the debt, they said no. I asked for a copy of my contract and they never provided. Now the axle broke and I advised I no longer wanted the vehicle so I voluntary surrendered the vehicle. So XXXX sent me a letter stating that I no longer have to make any payments because they have the car therefore I do not have to pay the {$22000.00} debt that's still owed on the vehicle. XXXX stated they have the car and I do not owe anything else.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$71.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian is violating my consumer rights. They are fraudulently letting XXXX XXXX XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Experian for failure to investigate as I'm a federally protected consumer. I will also be reporting both Experian and XXXX XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since Experian gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that XXXX XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX XXXX pays Experian to report inaccurate information and Experian refused to give me a fair investigation for their financial gain.
Product: Checking or savings account

I met a boat mechanic on XXXX XXXX After meeting with him he said I needed a transmission and engine {$860.00} and {$1500.00}. He gave me a check to deposit claiming he needed the money to start and it would be cleared when his company paid him for a commission. The check was for {$3800.00}. I was skeptical but the check cleared XXXX in the morning. So I thought it was good and he asked me to XXXX {$2500.00} to his partner for assistance and I withdrew the other {$1300.00} and gave to him to pay for the labor. In the afternoon I checked my account and it was negative the {$3800.00}. The check bounced on a closed account. So I tried to contact him and have had no success.
Product: Mortgage

As the files are large and broken down into parts, i provided the letters sent to Wells Fargo. All additional evidence can be provided. 

Wells Fargo responded and stated they would provide a response by XX/XX/2023. To date, there has been no response of further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank had sent me a letter regarding one of my accounts which is in good standing. I have several accounts with them and the information on the credit report is wrong. They closed this account and XXXX is the reporting agency. I spoke to a supervisor who I told I was verbally abused by a male representative. He upset me to the point where I was nervous about my other Synchrony Bank accounts. She said she would look into it and I might receive a letter from the credit agency about what's listed on my report.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry dated XXXX. I asked the inquirer ( JC Penny ) and the credit bureau ( XXXX ) to remove this fraudulent inquiry. Both parties have disregarded the law.
Product: Checking or savings account

On XX/XX/XXXX, my mother was at an ATM when XXXX men came up from behind her, they were standing really close to her. While she was taking out the money she withdrew, they distracted her. She was frightened by the situation so she then took her " card '' and left. On the morning of XX/XX/XXXX, I received notifications that my bank account was in negatives.My mother and i share an account, so when i check, both of our accounts were in negatives, but my card was still in my possession. When i asked to see her card, we realized that it was not her card. I immediately called the bank to report the card as stolen, and attempted to explain a situation that i was very confused about. i wasnt aware that money could be taken out of my account with my moms card. The process to file the claim was very rigorous because the representative on the phone did not believe that i was on the account. While i was trying to explain the situation, more money was pulled from the account in the same moment that i was on the phone filing the claim. We waited the 10 days to see if anything had been resolved, the claim was denied due to no suspicious activity being done and because the withdrawls were done with a pin. I have filed for a review on the claim and it was denied again, but we dont understand why it was denied if there is even proof i have attached below that proves that we didnt make those withdrawls and we have a card that wasnt my moms. this card was used to make her think she had her card. I have called numerous of times and no one is doing anything to believe us. I asked if ATM footage was checked and they dont want to disclose that information, making it seem like the investigation wasnt done properly. 

Based on regulation E, i believe that wells fargo has been in violation and not in compliance.
Product: Debt collection

After carefully checking my credit report, I found a number of accounts that I believe were added fraudulently.
Product: Debt collection

Attempted to foreclose on home without reason and proper notice or documents. I also must say that when I notified XXXX of the issues they seemed to really want the issues resolved and did give me the impression that they were not involved in the fraudulent issues at all. I do believe that they were an innocent party in the document production and were not interested in moving forth when they were made aware of the issues. I am filing this claim because it seems that the companies have changed but that they may also have in their files this information in case I have to deal with them as substitute trustees again. I has come back to them 3 times in the past. I have attempted to follow thru so that truly innocent companies are not drawn into where not involved. They listed my home on the internet for sale without notifying me for foreclosure .They were given incomplete info for doing so but proceeded anyway until I contacted them. Had someone not told me it would have been accomplished. I want this resolved
Product: Credit card or prepaid card

Yes, I still am a Wells Fargo customer. I have an open active Wells Fargo Visa Credit Card. 
I have it in my posession. I have not closed my account. Why is Wells Fargo making calls to me? A male calling me at XXXX XXXX  from XXXX and harrassing me today XXXX, XXXX  and stating, " You are not a customer of Wells Fargo XXXX '' This has to stop! I certainly am a Customer. My account was opened by me In XXXX, Oregon and I have the legal documents to provide .This is continual direct verbal attacks and harassment from Wells Fargo XXXX The call today is legally documented at XXXX minutes and XXXX seconds. 
Why am I receiving Wells Fargo advertising and emails and calls from Wells Fargo? Why is Wells Fargo sending me checks from illegal activity on my present credit card. Please explain? I have an open active account. My question to Wells Fargo is how many accounts did you open under my name without my knowledge and permission? A Wells Fargo manager in XXXX purged accounts without my permission. 
Please prove to me that I am not a customer of abuse. 
Please contact the XXXX, Arizona police and schedule an appointment for viewing of this Wells Fargo Visa credit card that I have in my profession. 
I am not a liar. 

I have established who I am to you in your banks and have the legal documents in my posession and you should have them also. I want my settlement court ordered final check. I will not be accused and abused by the Executive Wells Fargo office or other unknown people calling me directly. Please check my Wells Fargo history I have an opened XXXX XXXX and as soon as you pay up my court ordered settlement I will rid of my card. 

Please do not harrass me. I have done nothing illegal. Please note you once again have my address incorrect. You have been provided the correct mailing address numerous times. My banking account is not closed. 




LouA
Product: Checking or savings account

I have been trying to get my XXXX from Paypal and or XXXX or XXXX. This happened XX/XX/2024. I have sent emails to all the companies asking to be refund the XXXX. 
XXXX stated I had to contact Paypal. I opened a dispute with Paypal. They send an email to XXXX. XXXX stated they had sent me the program. They did but as I stayed I did not want or need the program. Per Paypal XXXX sent me the program. I do not want or need the program which I have stated since XXXX that I did not want or need the program. 
I want my money back. I keep stating I want my money back. I have no need for XXXX program which I have stated to Paypal and XXXX. Paypal states they are siding with XXXX and will not refund my money because the program was made available to me. 
I don't want and or need the program. The account was closed XX/XX/XXXX but I have not received my money. I don't understand why I can be told what to do with my money. I told Paypal they can side with whomever they want to but not with my money. All I want is my XXXX back.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, amount {$1000.00}, actions that were taken by me is I reached out to Fifth Third Bank and explain the situation about the car payment the vehicle was totaled in a car accident someone hit me from behind so I was out of work waiting for the settlement to be paid and gap insurance to pay the remaining balance which was paid in full. The actions taken by Fifth Third Bank they reported a late payment on my credit report with all three bureaus. Which was out of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 ( Complaint Date ) This Complaint does not pertain to INCORRECT information on my EQUIFAX Credit Report, but it does pertain to the Equifax Credit Reporting Agency NOT showing information that should be shown on my credit report. I have 2 current addresses that should be showing on my Equifax Credit Reports : 1 ) a Physical Address and 2 ) a P. O. Box Address. ONLY THE P.O. BOX ADDRESS IS SHOWING ON MY EQUIFAX CREDIT REPORT. Due to Equifax Website Technicalities, I am unable to enter my current Physical Address ( which has a different zip code ). How can this change to include both my P. O. Box Address and my Physical Address be reflected on my Equifax Credit Report? I've made attempts, in the past, on Equifax 's Website to enter my current Physical Address, but the website doesn't make provisions for me to do so.
Product: Student loan

I attended the XXXX XXXX Institute of Art ( XXXX ) around XXXX. I was not able to get full funding to attend. I was " fortunate '' enough to have a mother who was willing to co-sign for a parent plus loan that we were told she would be able to be removed from once I became financially sufficient [ by bank standards ] to own the loan myself. 

Fast forward to when I needed to switch the loan over, due to it creating issues for my mother and her husband trying to buy a house, and I was finally financially stable enough to take the loan over. Well, we weren't able to remove her as co-signer and instead was told that the only way to remove her as a co-signer is to consolidate the loan. This action would have a MAJOR impact on my federal protections and ultimately stick me with a horrible loan. However, I had to do it to ensure that my debt was not also impeding my mother 's ability to buy a home and live her life. 

Several years later, my school was found to be predatory, fraudulent, and ultimately closed down after being sued by the Commonwealth of Massachusetts. In 2023, the school, now closed, was part of a class action settlement [ XXXX vs. XXXX, formerly XXXX vs. XXXX ] - my school, again, was found to be fraudulent and misleading in a multitude of ways. My degree is now worthless, and I am stuck paying a loan that I was forced to consolidate, which would have been canceled and repaid to me. It makes NO SENSE that I, or any other student, should be forced to pay back loans after being defrauded. The courts agree, but unfortunately only in regards to federal loans at this time.
Product: Checking or savings account

Please attach this clain with another current claim # XXXX. The CD did not get sent to unclaimed funds. It was purchased through Charter One Bank before Citizens Bank bought them out. Citizens Bank finally investigated to find that it was NOT sent to unclaimed funds. We received a call from XXXX XXXX ( Citizens Bank ) XXXX to return her call. She finally made contact with my daughter, XXXX XXXX and made the statement that she must have cashed it in. My daughter didn't even know I had this CD for her until now ... so NO it was not cashed in. XXXX XXXX has not returned any of my calls to discuss this. Furthermore, if it was cashed in, a 1099 form would have been issued for the interest on the account that was paid when cashing the CD in. We feel like someone is trying to STEAL our money! This CD was for {$7500.00} originally, and was taken out in 2001.