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

I filed disputes with experian and they gave me wrong information multiple times. Within these past 6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. I was a victim of identity theft. The account has no original creditor nor does it have a collection company. The amount is {$1100.00} and it went to collection on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX XXXX
Product: Checking or savings account

My dad 's savings account had a POD provision. He passed away XX/XX/2018. The bank lost the paper work and informs me that I must get a lawyer to access funds that now belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint against the three credit bureaus, specific to Experian. 

Since last two months my payments to the credit companies are exceptional and also there was no incident happened that can brought down my credit score 23 points. Regarding this matter, I contacted with Experian but got no answers. 

Here are my complaints against them 1. Why can we see our own data/report, credit bureaus collect from the financial institutions. Because those data/report help us to understand whether there is any problem with us or the financial institutions reported the incorrect data or did any mistakes. 

2. Secondly, Based on what criteria, they increase or decrease the credit score, why they never disclose to a consumer ( by providing report online etc ). 
As an example, report like this Previous score XXXX Current score XXXX -- reduced to due to 1-late payment etc. ( this part they never disclose ) But they never disclose the details behind their scoring. 

3. Why in credit bureaus, everything is so secret, which raise the questions about their honesty and motive. They collect, store and use our data/info. They have no right to play with us hiding our data/info. 

4. Why they don't have any live customer service to provide clarifications or addressing any concerns about our score/report etc. Like XXXX, Experian have no live customer support. 

I, therefore, request you to take the necessary actions to protect us, before they further ruin our financial situation.
Product: Debt collection

Hi, As an XXXX XXXX, I opened a bank account and credit card with Wells Fargo in XXXX for a brief period of time. After learning of their malpractice, in a myriad of different offenses, I decided to remove my money from the bank account and terminate my services with Wells Fargo. I closed the account in XXXX, the same year I opened it. At the time of closing my account, I had a {$0.00} balance with the Credit Card at Wells Fargo. 

In XXXX Wells Fargo issued a charge off for the balance I " owed '' which indicates a {$0.00} amount. I have contact Wells Fargo Card Services directly in multiple attempts to get this resolved and have them accurately report my information to the XXXX, XXXX and XXXX credit Bureaus. In addition, I have paid a subscription with a 3rd party credit repair organization, XXXX XXXX. 

Wells Fargo has sent me letter after letter saying they couldn't process my request. First for my attempt directly with their Card Services and now several more with XXXX XXXX contacting them on my behalf. Still they remain adamant, with the exact same verbiage in each letter, that they can not " complete my request because we can not determine what specific information is in dispute. '' I have provided all my account information and every detail they require for dispute but continue to act as if that my information doesn't exist in their system despite the fact is it being reported to the credit Bureaus. 

I could never pay the amount I " owed '' because it is a {$0.00} amount but Wells Fargo is still reporting it as a negative item on their end. I have tirelessly attempted to resolve this issue because my credit score is negatively impacted by this charge off. 

5 years later, I am now in my late XXXX XXXX and attempting to get a home loan and this malpractice from Wells Fargo is impacting my ability to get a favorable and affordable mortgage rate. To add, I was a XXXX from XXXX - XXXX and Wells Fargo took advantage of my financial illiteracy at the time and now will not rectify this issue despite never having taken a financial loss with me as a customer. 

Please if anyone can help or point me in the right direction on how to approach this issue, I will take all feedback and suggestions. Attached is a letter of acknowledgment when I submitted my claim.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I, XXXX XXXX XXXX is am writing to formally dispute the accuracy of an account listed on my TransUnion credit report as of XX/XX/XXXX. The account in question, reported by XXXX XXXX District Attorney 's Office with the reference number XXXX, is erroneous and has been reported without proper validation or legal authority.

Details of Disputed Account : Original Creditor : XXXX XXXX District Attorney ( Child Support Enforcement ) Account Type : Open Account Date Opened : XX/XX/XXXX Balance : {$46000.00} as of XX/XX/XXXX Status : 120 days past due as of XXXX XXXX Monthly Payment : {$0.00} Past Due Amount : {$0.00} Reasons for Dispute : Lack of Due Process and Judicial Order : The child support debt reported in this account lacks a valid judicial signature and does not meet the due process requirements as set forth by 28 USC 1691. No evidence of a proper court order authorizing the enforcement of this debt has been provided. Without valid legal authorization, this debt should not be included on my credit report.

Violation of Fair Debt Collection Practices Act ( FDCPA ) : This alleged debt has not been validated under the provisions of 15 USC 1692g. I have not been provided with the necessary documentation, including a judicially signed order, proving the legitimacy of this debt. Without validation, the inclusion of this account on my report violates the FDCPA.

Failure to Verify Information as Required by the Fair Credit Reporting Act ( FCRA ) : Pursuant to 15 USC 1681i ( a ) ( 5 ), credit reporting agencies must verify that all information reported is accurate and substantiated. This account can not be legally verified due to the lack of proper court documentation and validation, making its inclusion unlawful.

Request for Action : I am requesting that TransUnion immediately take the following actions : Remove the Erroneous Account : Delete the XXXX XXXX XXXX account ( Ref : XXXX ) from my credit report due to the lack of validation and improper legal documentation.

Notify All Parties : Notify all parties who have accessed my credit report in the last six months of this correction, as required by the FCRA.

Provide Written Confirmation : Once this account is removed, provide me with written confirmation of the deletion.

Please consider this letter a formal dispute under 15 USC 1681i ( a ). If this matter is not resolved within 30 days, I reserve the right to pursue all legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil action under the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have charges that I have disputed with CitiBank Best Buy Card for charges that occured in XXXX. I did not authorize any of these charges. I disputed the charges, then they transferred the balance of the fraud charges to my new card they issued me. I have never used this card once in my entire life. All the charges on this card are fraud.
Product: Checking or savings account

Bank of America ( BOA ) is not depositing a check from XXXX, my home insurance company. 

XX/XX/XXXX - Deposited check via mobile deposit. 
XX/XX/XXXX - Check deposited into the account XX/XX/XXXX - Deposit reversed. Called BOA representative. Said, " The payee endorsement was not done properly. '' Asked for clarification since the check clearly had a signature. BOA representative said they had no additional information and recommended the check be deposited in person. 
XX/XX/XXXX - Deposited check via Bank of American Teller. Teller said the check Might be in our account on XX/XX/XXXX ( AKA 7 Business Days ). The reason given was that since the check had already been rejected via the mobile app, there could be a long hold. Also advised to keep an eye on my email because any updates would be sent via email. 

NOTE : I can not provide a copy of the check because BOA took it on XX/XX/XXXX
Product: Student loan

My information on my loans are not accurate. Now they are telling me I have three loans in default. They are trying to make me pay for a loan already being handled by a servicer. I am being taken advantage of and fraudulent tactics are being done to my loans which I paid nearly all down. Now they are constantly sending my loans to default so they can capitalize on my loans by continue splitting my loans and resale my loan to different collections agency. My loans were with Sallie Mae and Navient they contracted my loans out collections agency and reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXXXXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have filed a dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that have occurred regarding my credit report. Here are the key issues : Willful Noncompliance : The credit reporting agency failed to verify the accuracy of the credit information they accepted about me, in violation of FCRA Section 616. This is a serious issue, as willfully failing to comply with the FCRA can result in civil liability, including fines of up to {$1000.00} per violation.

Failure to Disclose Personal Information Rights : The credit reporting agency failed to inform me of my rights to opt out of sharing my personal information, which is required under FCRA Section 603 ( d ) ( 2 ) ( A ). This omission is a violation of my rights as a consumer.

Furnishing Deceptive Forms : The agency has been reporting inaccurate credit inquiries and accounts without proper validation. This potentially violates FCRA Section 623 ( a ) ( 3 ), which mandates that accurate information be reported and that validation procedures are followed.

Debt Collection Violations : Debt collectors have been contacting third parties, including credit reporting agencies, regarding alleged debts without proper validation, violating FDCPA Section 1692c. They have also engaged in unauthorized reporting of debts and have failed to validate these debts as required under FDCPA Section 1692g.

Unauthorized Hard Inquiries : Several hard inquiries were made on my credit report without my consent, violating FCRA Section 1681b ( a ) ( 2 ), which outlines the permissible purposes for consumer credit reports. These unauthorized inquiries need to be deleted.

I have requested the following corrective actions : Deletion of Incorrect Personal Information : Remove incorrect addresses listed on my credit report.

Update of Account Histories : Update accounts marked with late payments to reflect " paid as agreed, never late. '' Debt Validation : Debt collectors must provide validation of debts as required by law. If they can not validate the debts, the items must be removed from my credit report.

Removal of Unauthorized Hard Inquiries : Delete unauthorized inquiries from my credit report. 
Failure to address these violations will lead me to pursue legal remedies available under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " idem sonans '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT  1.FAILURE TO HONOR GOD GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A 4TH AMENDMENT WARRANT. VIOLATION OF THE 5TH AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!
Product: Consumer Loan

Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment, charges a fee assessment and then takes the rest of the payment. If I have ten days then the fee should not be assessed until the eleventh day. When I contact the bank about reimbursing the fees they stare they can only reimburse XXXX time as a courteously but no more and this means ever not just that month. I have emails where they have stated this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account INQUIRIES 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete or not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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

This is my ANOTHER 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 items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In early  XXXX ,   XXXX   XXXX   XXXX   attempted to pull my credit report thru Equifax but was unable to due to a security freeze. I wrote to Equifax to explain that I could not locate the 10-digit PIN and provided them with all of my PII along with a copy of my pay stub, driver 's license, and utility bill. Equifax responded on  XXXX / XXXX /17 by requesting all of the Info I had already provided AND the 10-digit PIN. I replied with my original documentation along with some extra docs for good measure and Equifax charged my credit card {$5.00} and responded on  XXXX / XXXX /17 confirming that they had permanently removed the freeze.   XXXX   XXXX   XXXX   tried to pull my credit report again today, but they could not. I am trying to obtain a car loan, but obviously ca n't until the freeze is removed. I 've called multiple Equifax phone numbers but have never found an option to speak with a person..
Product: Checking or savings account

Hello, I am submitting a complaint regarding a dual transaction for rent in the month of XXXX, 2019. My leasing office, XXXX XXXX, charged me twice for rent and I disputed the second charge with PNC Bank. I am disputing this second charge of {$1500.00} because PNC Bank provided me with an initial provisional credit for the amount. PNC reversed my credit because the bank claims it sent me a questionnaire requesting additional supporting documentation. In my initial dispute filing, I provided the contact information for the rent manager at this property because she agreed to communicate with PNC to confirm that the leasing office does not have a record of that payment. PNC neglected to contact the rent manager and is denying my request to file a new dispute to recover the funds because their 120 day period for dispute filing has closed. I never received the initial questionnaire PNC claims to have sent via mail and the bank did not share any reminders or an electronic form of the questionnaire even though I previously elected to receive electronic communication. Mail is frequently misplaced at my apartment complex and I still have yet to receive a questionnaire. I have visited a local PNC branch several times in an attempt to re-file the dispute but this was unfortunately not possible due to the 120 day time frame. I have included evidence of the double payment as well as information regarding my communication with the leasing office to request that PNC fully and permanently credits my account and removes any associated overdraft fees. 

Thanks for your support in advance and please inform me of any updates. 

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

After Many Disputes before TransUnion refuses to remove wrong address and/or update to the correct address because the address they have on file is missing the location quadrant which is XXXX XXXXXXXX or XXXX. Attach to this claim I am providing a Gas Bill with my adress on it to prove my claim.