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

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/2024 ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Checking or savings account

Opened a personal checking account with BB & T on XX/XX/XXXX. About a month later I wrote myself a check from my XXXX business account in the amount of {$600.00} to transfer myself money. The check was declined due to the daily mobile check deposit limit being only {$500.00}. I crossed out the word XXXX XXXX and number XXXX and changed them both to XXXX XXXX and XXXX so the check would go through. After uploading a picture of the new check, my funds were immediately placed on administrative hold. 

The next day I went to my local BB & T branch to figure out what the problem was and it turns out you have to initial when altering a check, which I was not aware of. I was told at the time that the check was being returned back to XXXX. I then went directly to XXXX to check on the status of the check and spoke with a manager who called one of the main offices, and it turns out the check went through with no problems at all and was not returned. I went back to BB & T and explained everything to the branch manager and even gave the XXXX manager 's contact information for verification purposes. I was told I'd get a call back within 24 hours regarding an update on the situation, which I never received. 

About a week later I went back to BB & T to ask for an update and was told everything was okay and the hold would clear within the next week and, but my card was going to be canceled and a new debit card tied to the same account would be mailed out in about a week. A few weeks went by and the hold never cleared and a new debit card was never mailed. I then called BB & T to ask for an update and was told that my account was being closed, BB & T decided to terminate its business relationship with me, and the {$500.00} check would be returned back to XXXX. 

Another month went by with me not being able to access funds or use my account in any way and the check still had not been returned, all while my account ( which I was notified had been closed ) was still being charged a $ 12 monthly maintenance fee. Since that time I had been to BB & T branches on at least 4 separate occasions to try to get status updates and inquire about the missing {$500.00} with no progress whatsoever. During this time I never even received a letter in the mail or any updates notifying me of the account closure. In fact, around XXXX I was sent a new card from BB & T so I figured maybe they changed their mind and will let continue me having an account there after all. I went to a branch to try to use the card and it turns out the card was sent to me by error and my account was still closed with my funds locked from me and my account still being charged monthly fees. 

In the past few weeks my account login has been deleted so I can't even log in to check on the missing {$500.00} anymore and I'm really not sure what to do at this point.
Product: Debt collection

Company called credence resources called demanding money today or will be on credit report. Refused to give me XXXX XXXX  number to verify this. Received nothing in the mail regarding this either
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by transunion. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. 

I have identified inconsistencies in this account information across the reports from the three major credit bureaus, These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action. 

Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. 
2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information bytransunion, which further underscores the lack of accuracy and FCRA compliance. 

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. 
XXXX v. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. 
These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.
Product: Credit reporting or other personal consumer reports

i recently sent letters to the CRA 's reporting an inaccurate and incomplete account they are reporting on my credit report. 15 usc 1681e ( b ) states all information has to be 100 % accurate and complete before reporting. 

the following inaccurate and incomplete item is : Family support division XXXX I have attached a copy of each letter below for your reference
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 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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The XXXX wire department has withheld XXXX dollars, which was sent from my USBAK account for the purchase of a flight that I rejected due to a price variation of the company XXXX XXXX, as well as sending me a receipt of the purchase when it was not sent. carried out, alarming my concern and giving way to the retention of that money on my part, opening a case for possible scam with number # XXXX, XXXX On XX/XX/2023, since that date I had not received a response from the bank and I decided to call to the bank and claim my funds and the bank opened another refund case # XXXX, FURTHER COMPLICATING THE PROCESS AND RETAINING MY FUNDS DUE TO AN INVESTIGATIVE PROCESS WITHOUT SOLUTION TIME AND RETENTION OF MY FUNDS, IS THE RESPONSE OF THE WIRE DEPARTMENT OF XXXX BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with XXXX regarding inaccurate credit reporting from Resurgent/LVNV, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as XXXX shares a duty to ensure the accuracy of the information reported to it by the creditor.
Product: Vehicle loan or lease

I am writing today in regards to my account with GM Financial account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Debt collection

This company reported an account from CHECKINTOCASH on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5  days after initial communication. This was not done 5  days after reporting it to the Credit reporting agencies.
Product: Debt collection

Violation of FDCPA by XXXX XXXX XXXX 

They called my cell phone on a recorded line XXXX/XXXX/2016 at XXXX and confirmed that they are a debt collector attempting to reach XXXX XXXX ca n't remember the last name ). Caller ID number was XXXX. I am a third-party, XXXX XXXX. 

Please contact me regarding what action can be taken against this collection agency ( and/or their licenses or officers ) for this violation or if you have any questions. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Incorrect Reporting of a Repossession on My Credit Report Dear CFPB, I am writing to formally file a complaint against [ XXXX ] and XXXX, Equifax, and XXXX for inaccurately reporting a repossession on my credit report, despite the fact that the debt has been forgiven and reported to the IRS. 

The debt associated with this repossession was officially forgiven on or by XX/XX/XXXX by XXXX. I also received a Form 1099-C from the creditor, which they reported to the IRS as a cancellation of debt. However, despite this, the repossession is still being reported on my credit file as an outstanding derogatory account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. Reporting a forgiven debt as still active or negatively impacting my credit profile is not only misleading but also violates my rights as a consumer. The continued reporting of this account is causing undue harm to my credit standing and financial well-being. 

I have attempted to resolve this matter by disputing the inaccurate information with both the credit bureaus and the original creditor but they have failed to correct the reporting. I am requesting the CFPB to investigate this issue and ensure that the repossession and any related negative reporting are removed from my credit report in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never authorized XXXX XXXX to conduct a credit check from XXXX XXXX on XX/XX/2018
Product: Debt collection

This account was sold to third party collections without my consent and was not told about this. 

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

I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX website.
Product: Checking or savings account

Cash app is literally stealing from people! Stealing from me! 

They stole {$64.00} from my account today XX/XX/XXXX. This charge was said to have been completed on XX/XX/XXXX. They took it out again! This is the second time that unauthorized transactions took place in my cash app account and they took it out again! 


I recently submitted a complaint : On XX/XX/XXXX I was charged an amount of {$54.00} to merchant XXXX XXXX using my Cash App debit card. I moved {$60.00} to my Cash App card from my XXXXXXXX XXXX XXXX on at XXXX on XX/XX/XXXX. Immediately, {$54.00} was missing from my Cash App. The notification that appeared was to notify me that that amount was missing due to it being charged to the merchant XXXX XXXX for the transaction that occurred on XX/XX/XXXX. I reached out to Cash App to see why I was I was charged again on XX/XX/XXXX for a transaction that was completed on XX/XX/XXXX and they stated that I was only charged once on XX/XX/XXXX and that it was indeed completed that day. Upon following up with Cash App, their reasoning for taking out {$54.00} on XX/XX/XXXX is because there was an " impacted transaction error that occurred between XX/XX/XXXX and XX/XX/XXXX '' and as a resolution they deducted the funds back out of my account ( and many others ) to reflect the " correct '' balance due to the funds incorrectly being returned to my account. There was never a return of funds into my account from this transaction or any transaction for that matter, from Cash App. They literally stole from me {$54.00} and blamed it on a system glitch, which was their error and they refuse to refund me or credit my account for the amount that they took. I notified them of this and escalated this issue with their advocate team and was told that although it is unfair to the consumer that there was a transaction glitch, they simply took back the monies that they accidentally put back. To my knowledge, they stole from me and no consumer should have to pay for their mishap!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account not mine false account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XXXX, 2024, I was trying to rent an apartment Equifax is refusing to verify my identity and returning a Fraud comment to the apartments, who then refused to rent do me. 

I called Equifax and they told me that there was a XXXX  required after my name There is no XXXX in my family and I have never used XXXX on anything ... nor is it my legal name. 

I have no idea where the got that information and why they are reporting that it is on my account. It is not listed in my personal information on my Equifax account I called and spent some time trying to get them to remove it ... and asked how they could actually put it on my account without my permission. They would not answer. 

They want me to prove that there is no XXXX on my name by sending them my ID. I told them they needed to prove to me why they have put that on my name without permission. They would not. Nor would the provide a link for me to upload information ... which i don't really want to do in the first place. 

They said I would have to mail proof of who I am to them to for them to remove it. I do NOT want to send my ID in mail, nor do I feel the onus to fix this is on me.
Product: Credit reporting

Equifax refuses to remove a cancelled judgment from my report. I am including a copy showing this judgment has been cancelled. Every other credit bureau has removed the judgment. Equifax however always thinks they can damage someones credit at their own free will.
Product: Credit card or prepaid card

I purchased eight fake XXXX XXXX  on XXXX at XX/XX/2019. The seller sold fake XXXX XXXX  without any explicit labels such as " restrike ''. He sold them at the similar price of genuine ones. I paid the seller over XXXX USD in total by my Capital One credit card for few times. I trusted the seller so much so I didn't check these coins with other professionals until I want to sell them on auction this year. I reached the XXXX and the seller to solve this issue for few time in the last few months, XXXX said my purchases are over the time window which they can involve for the refunding process. I also tried very hard to convince the seller to refund me even for partial refund, but the seller never collaborated. I also called my credit card company for assistance, the credit card company said they are not covering for the fraud business. Now all the loss still comes to my end. This is a very unfair and frustrating situation.
Product: Money transfer, virtual currency, or money service

I was scammed out of some money for two vehicles. Once I realized it was a scammed, I then called Chime to report it. They said it was nothing they can do. I then called to dispute with unauthorized payment. They denied the disputes. 
There are 2 {$450.00} payments, 2 {$100.00} payments and 2 {$600.00} payments.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization.

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of fraudulent or compromised information.

Section 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing consumer reports.

After contacting the reporting companies, I confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a violation of federal law.

I request an immediate investigation and a written response confirming the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

The balance of {$2500.00} was written off as I was In repossession status. I paid this amount in full and the company sent my the vehicle title. They have not reported on my credit report that this was paid and I have disputed this twice through ExperianXXXX however there is no change to my credit report. I am asking that my credit file be updated to reflect that this amount was paid in full by myself, or have it removed as it is inaccurate information that is being reported.