23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX  Account XXXX Account name : XXXX XXXXXXXX Account XXXX account name : XXXX  XXXX account XXXX Account name : XXXX XXXX  account XXXX Account name XXXX XXXX XXXX account XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Debt collection

On XX/XX/2020, I sent a debt validation letter to National Credit Systems Demanding that they provide me with debt validating documents. The company did not provide me with any documents with my signature validating the debt. I was not provided the contract between the original creditor and me that states that if I defaulted on the alleged debt I would be indebted to National Credit systems. They are not licensed to collect debt in Louisiana. I was not notified before they falsely reported the XXXX collection account to the credit bureaus. Also, I never spoke with the company and they were illegally drafting 100 plus dollars from my account from XXXX XXXX XXXX 2020. I never authorized those payments and I was able to recoup those funds via my bank. I also attempted to sue them in XXXX County Justice, since the company said the collection occurred there, however they refused to show up to court. I will not stop until this account is removed.
Product: Vehicle loan or lease

I have been waiting for this refund check since XXXXXXXX XXXX XXXX I have reached out ti Truist countless times to see where the check is. They claimed to have mailed 2 checks out, but they keep sending it to an aold address. I ha XXXX given Truist the new address several times when speaking to different people that has assured me that the new address is on file. I am tired of calling and dealing with this situation. ALL I WANT IS MY GAP REFUND CHECK! 

XXXX has paid Truist so Truist needs to pay me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry on my account from credit cards And will like them to get disputed so I cant build my credit.
Product: Checking or savings account

I filed a dispute on XX/XX/2024 for three items. The bank denied my entire claim 5 days later on XX/XX/2024. The bank cancelled my debit card and took two weeks to send a new card. However they denied the claims. Two were repeat transactions. They were online charges where a card was not present. The bank could not have investigated these items within five days to make a determination and they also sent no proof as to why they are allowing me to be robbed. I called back to dispute the items again and spoke to a manager who reassured me that the claim was reopened and I would get a provisional credit. The claim was never reopened and no credit was given. I called on a third occasion and another manager reassured me the same thing. I got an email telling me that there was no error from the bank and no money would be returned to me. This bank is allowing me to be robbed and is not protecting my money. I even filed police reports. I feel like this bank just denied everything without doing their job. I WANT MY MONEY BACK. I have no trust in this bank now. I will filed a separate complaint for the other dispute that they denied also.
Product: Debt collection

To whom this may concern, During the month of XXXX I registered for an experian credit report account, this lead to me noticing to accounts which I did not provide Information to my knowledge. 

After much research I found the original source of the account and contact them for more information, which I did not receive. 

Next, I contacted XXXX to dispute the accounts and they advised I contact the FTC and report the accounts as fraud. 

below are the accounts/dates/amount Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} past due as of XX/XX/XXXX. 



Date opened XX/XX/XXXX XXXX {$1200.00} XXXX XXXX account. {$1200.00} past due as of XX/XX/XXXX.
Product: Mortgage

Unexplainable charge : XXXX XXXX XXXX + {$420.00}. 
M & T Bank want me to comply w/this charge. M & T Bank insit the part of the loan. I never request or authorise any changes or even moved of institution. This mortgage was transferred from XXXX XXXX XXXX  which it was acquired by M & T Bank.
Product: Debt collection

In response to CFPB : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) To Whom It May Concern, RE : Focus Financial, attention to XXXX XXXX Collection Manager Direct Line : XXXX Fax : XXXX Under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA your company refused to do anything that I requested. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question.

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its repor tin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Background of the Issue : On multiple occasions, I have reached out to Experian via certified mail, phone calls, and online requests to report instances of identity theft and fraudulent activity. Each time, I have provided proper documentation in accordance with the law. Despite these attempts, Experian has failed to take appropriate action to block or remove and delete the fraudulent accounts and addresses from my credit report. 

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 : According to the FCRA, credit reporting agencies are required to block any information related to fraudulent accounts upon the consumer 's request, provided that the consumer has submitted the necessary documentation, such as a police report or identity theft report. The fraudulent accounts and addresses on my report fall under this category, yet Experian has continued to report them.

2. FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The FCRA mandates that credit reporting agencies investigate disputes within 30 days. My repeated requests for investigation and removal of fraudulent information have gone unresolved, which constitutes a clear violation of this provision. The documentation I provided clearly shows that the accounts in question were opened without my consent or knowledge. 

3. FCRA - 15 U.S.C. 1681e ( b ) : The law requires that credit reporting agencies maintain accurate records. Experian 's failure to remove the fraudulent accounts and addresses directly contravenes this requirement and has harmed my creditworthiness and financial reputation.

4. Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 : This act defines identity theft as the use of someones personal information without authorization. I have reported the fraudulent activity as required, yet Experian has not taken reasonable steps to protect my identity or prevent the reporting of these fraudulent accounts. 

Conclusion : Experian 's ongoing failure to comply with federal law, despite my repeated requests and provision of evidence, constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Experian takes immediate action to resolve these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] transUnion XXXX XXXX XXXX XXXX XXXX XXXX HELLO, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transUnion [ XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Enclosed are copies of my credit report highlighting the unauthorized inquiry and any supporting documentation. Please provide me with written confirmation that this inquiry has been removed.
Product: Checking or savings account

on XXXX a deposit of {$7500.00} was deposited into my XXXX account with navy federal credit union.on that same day starting at XXXXXXXX XXXX  XX/XX/23 I had authorized several payments for 13 different credit card accounts to be paid through ACH and debit card transactions from my XXXX checking account XXXXBut on XXXX XXXX i woke up to a notification on my phone, stating that deposited funds was available for a deposit of $ XXXXwas deposited into my XXXX checking account ending in XXXX, As of XX/XX/23 at XXXX XXXX XXXX the available balance was {$85.00}. Which upon me becoming aware of the transaction from a notification on my phone, I logged into my banking app and my checking account balance stated {$430.00} but my email notification stated another balance of {$85.00}, Which after calling navy federal credit union that morning of XXXX in reference to the transfer for the amount of {$1100.00}. I was told that the automated system did the transfer. for which i asked for what reason did the system feel the ned to transfer money from my savings to my checking being that my checking has sufficient amount of funds to cover payment for all of my debt and ach transactions plus more? I then went to navy federal credit union XXXX XXXX location in XXXX, nc and scheduled am appointment to speak to a physical banker, which i was scheduled an appointment for XXXX XX/XX/23 .that i kept and met with a banker by the name of XXXX after i explained to him mysituation and as he acknowledged my problem and reconized that my dispute was legitamate. he then went to get authorization from his supervisor, to return with illegitame excuse to not return funds missing from my account.which i then gave him a more legitamate response and he went back and spoke with his supervisor to later return along with his supervisor .Whuch i stated to him as well that my statement was totally incorrect and he refuse to caculate my deposits, debits and withdrawls. to prove accuraccy. Which i then left because the bank manager refuse to calculate funds all together toprove that money was missing from both my accounts and acknowledge that my bank statement was totally incorrect. By acknowledging that navy federal had taking money from me and i was owed a refundin return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item a dozen time on my credit report with both XXXX XXXX XXXXXXXX XXXX and all 3 credit bureau in regarding 60 day late payment reporting XXXX I have paid in full and this company reported 60 days when I have contacted them several times in regards to my payment history. I have paid on time. I have not received any response from XXXX or any document of late payment. The credit bureaus did not conduct any investigation the only thing that they would update account with no resolution. This account has aged and it is significantly sitting as a derogatory account it is now 7 years. I would like it to be removed off my credit file. This is damaging my creditworthiness.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

My loan is not correct. Exeter Finance will not even attempt to assist. I have a contract from XXXX that has a loan financed amount and payment amount. Exeter says my payment is over {$300.00} more per month and says I owe way more that I financed. They are crooks.
Product: Debt collection

Mortgage note could not be released in XXXX when we wanted to pay it off. This is because of fraudulent assignments. 
We are asking shell point mortgage servicing to give us a Complete accounting of all fees charged to the escrow account from XX/XX/XXXX through XX/XX/XXXX. This is the time period of only XXXX years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX no. XXXX Date Issued : XX/XX/year> Exercising Fraud Victim Rights, I contacted Experian customer care, Special Fraud Department on Wednesday XX/XX/year> around XXXX. I requested a complete/disclosure file, explaining as outlined in fraud victim rights and under the FCRA section 609 ( a ). I was declined the rights to a complete/ disclosure file.
Product: Bank account or service

I went into cash my payroll check it is a Wells Fargo check. I handed my valid drivers license and was told I needed to provide a card with a XXXX logo on it. I do not use any cards with XXXX, it 's my personal choice. I was instructed that unless I supplied another card with a visa logo they would not cash my check. I had a XXXX XXXX card with my name on it that matched my drivers license but again they said no. This seems to be an Anti-competitive violation. Putting a Monopoly on XXXX and forcing a consumer to use Wells Fargo or XXXX. The check was a Wells Fargo check, it was a payroll check. I 'm not sure why me producing a XXXX logo card would make any difference vs a XXXX XXXX or even my XXXX charge card as long as it has my name on it. I personally do not think someone should have to show anything but their drivers license or a state ID to cash a check made out to them. This in my opinion is bordering on Antitrust, Anticompetitive and putting a monopoly on XXXX and Wells Fargo creating a competitive law issue. I was at the Wells Fargo Bank at XXXX XXXX XXXX PA, XXXX. I spoke with a manager but she had no name tag and insisted that the XXXX Logo was required to cash my payroll check. My restaurant is located a block from this location and does their business banking with Wells Fargo at this location. I went today XXXX/XXXX/15 at XXXX. Now I have no way to cash my pay check as this " new '' procedure does not allow me to use another merchant to prove my identity.
Product: Credit reporting or other personal consumer reports

I'm really upset because a company pulled up my credit report and now it's showing all these inquiries that I don't recognize. This is unacceptable! I have no idea where these are coming from and it's seriously stressing me out!
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XX/XX/2022 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

I spoke to the original creditor to verify debt, nothing could be verified. They have now sent it to collections. The collection company has been harassing me but will not provide proof of debt or the purchase agreement stating they owe the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX Transunion XXXX XXXX XXXX XXXX The item was successfully removed yet my score at this time is : XXXX Transunion XXXX XXXX XXXX XXXX Please correct my credit score.

The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports from XXXX, Equifax and XXXX and noticed that the reports have credit inquiries that I did not authorize. ( Provide details about every inquiry including the date and the name of the company. Mention why you believe the inquiry is incorrect ). 

I did not make the following inquiries and I believe that these inquiries are fraudulent because I did not have access to telephone, internet, a computer or a smartphone during these dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX I request you to investigate and remove the inquiries as soon as possible. I will be applying for an auto loan through my credit union. I may not be able to gain transportation because my credit score does not display my accurate credit standing. In case you come across data that doesnt align with my complaint, I request you to please send me the information.

Thank you for your diligence in looking into this issue. 

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

Pay Tomorrow and XXXX completely disregarded the document that I uploaded as proof that clearly shows we made every payment every two weeks since we attained the loan. we have never been 30 or 60 days late. bank statement CLEARY shows this and the refused to address the issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.