23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Agency is not complying with Complaint as requested Per CFPB.
Product: Credit card or prepaid card

Unfortunately, I had an account with Care Credit that went into default back in 2014 ; due to a financial hardship. Recently, having recovered from the hardship, I went back to Care Credit to try to resolve the debt. They told me that they would NOT accept payment from me to resolve my debt. Even when I indicated to them that I understood that the account had been charged-off, I still wanted to pay it, so the account would report as paid on my credit report. They still refused to accept my payment. It is illegal for his company to refuse to accept my payment, while simultaneously reporting an unpaid debt on my credit file. They are holding my credit report hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has not met its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not adequately notifying consumers of dispute outcomes. These issues mirror my own experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided, resulting in continued harm to my credit standing. I am requesting immediate corrective action to remove or correct the disputed accounts, as Experian 's inaction constitutes a violation of federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate item listed on my credit report for a credit card account with XXXX XXXX. The details are as follows : Account Name : XXXX XXXX  Balance : {$590.00} ( reported as over the credit limit of {$300.00} ) Account Opened : XXXX XXXX XXXX  Reported Past Due : {$240.00}, with 120+ days late Date Reported : XX/XX/XXXXXXXX XXXX XXXX   This account is currently marked as 120+ days late, and there is also an over-limit balance being reported, which has negatively impacted my credit score. I have previously disputed this account, and it is noted on my report that the account information is disputed by the consumer. However, the creditor has failed to provide sufficient verification of this debt and continues to report incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. The information reported by XXXX XXXX is inaccurate, and despite my formal dispute, it has not been properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I get no response but validated
Product: Mortgage

I requested an appraisal as part of the process to remove the Private Mortgage Insurance ( PMI ) on my Wells Fargo Mortgage. Wells Fargo provided paperwork advising they would only accept an appraisal handled by XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and the charge for the appraisal would be {$550.00} for a single family residence. Since all market indicators, including sales of adjacent identical properties, as well as property improvements suggested the value of the property more than surpassed Wells Fargo 's PMI Deletion threshold of XXXX % Loan to Value ratio ( LTV ) we proceeded with the appraisal. I was shocked to find the appraisal returned well below the expected market value range and with numerous factual errors that indicated the appraiser failed to conduct a proper appraisal consistent with the duties of their licensure under the laws of the state of Georgia. I disputed the initial appraisal by providing documentary evidence including public records demonstrating the Gross Living Area ( GLA ) of the property, receipts for improvements made to the property as well as publicly available information on the local real estate market demonstrating significant increasing home prices in the neighborhood. All of this information was baselessly refuted by Wells Fargo. Wells Fargo and their contracting partner XXXX have to date failed to provide any Third Party or public records to support their original assessment. Despite being challenged with credible counter evidence to the findings of their original appraisal Wells Fargo and XXXX XXXX have maintained their ill supported and factually incorrect position. Due to their intractable position in the face of facts I have come to the conclusion Wells Fargo and XXXX XXXX home mortgage appraisal operations are a consumer fraud whereby the lender and their contracting partner are able to deny legitimate consumers seeking to remove their PMI as a result of increasing property values after collecting a significant fee.
Product: Credit card

I made a payment to Bank of America from a checking account ( XXXX ) that I am not actively using, thus the account did not have sufficient funds for the payment. I contact BOFA on XXXX/XXXX/17, a day after I made the payment and realized my mistake, and asked them to cancel the transaction. They advised me on the phone at that time that the payment from the XXXX account would be reversed. During the same call I also made a payment over the phone with my new checking account ; that payment was immediately processed. 
On XXXX/XXXX/17 the initial payment from my XXXX checking account still had not been reversed so i called BOFA again and asked that it be reversed. Their representative again stated that it was reversed. I asked that they send me an email confirmation of the reversal. As of today the payment has not been reversed, no email confirmation has been received, and I am incurring overdraft fees from XXXX as a result.
Product: Debt collection

My husband and I purchased a home in XXXX through Countrywide Home Loans. Two years later, we were very close to losing our home because of the recession and being in a compromised financial situation. We had an 80/20 loan and the primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, Bank of America which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, Bank of America sent us a XXXX balance notice and we thought everything was written off due to the predatory lending that Countrywide and Bank of America were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency XXXX XXXX XXXX XXXX has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX Recorders Office. I feel hopeless. I thought that debt was taken care of by Bank of America. I have called Bank of America and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX XXXX   stating we were part of an appraisal class action lawsuit against Countrywide Home Loans. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX website and they have 13 complaints against them. I am concerned with the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Debt collection

Jefferson Capital Systems LLC, added an unpaid debt from XXXX  to my credit report. I switched from XXXX to XXXX XXXX 4 years ago. My son returned his laptop to a XXXX store in XXXX, Ohio. Now 4 years later XXXX is saying I owe this debt. There is no debt, the laptop was returned 4 years ago and now they want to negatively impact my credit score. I have moved during the past 4 years so I no longer have any records to show my proof. I tried disputing this through XXXX, but it didnt change anything. Why after 4 years, with me not being able to show any proof after all this time, is this going on my credit report? My credit score dropped significantly over something that didnt even happen 4 years ago. The laptop was returned in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we sent credit investigation requests to XXXX and Experian. We have yet to receive the results of those investigations and it has been longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

under the law 15usc 1681 XXXX XXXX XXXX did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX OF XXXX ACCOUNT XXXX XXXX, XXXX OF XXXX ACCOUNT XXXX, XXXX CARD ACCOUNT XXXX, XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 


They also violated my rights under 15 USC 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes. 

They also violated my rights under 15 USC 1681 Section 611 ( XXXX ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau ( EQUIFAX ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I spoke to XXXX XXXX at LoanDepot regarding refinancing my home to get cash out to complete necessary repairs in my home. We discussed paying off debt which was my car loan, student loan and XXXX XXXX credit card and mortgage. I would get approximately XXXX cash to complete repairs. My mortgage at the time of this call was with XXXX mortgage XXXX intrest rate morgage monthly was {$1500.00}. Once XXXX did the initial approval I was then given to a loan processor XXXX XXXX. I spoke to her once on the phone and at no time did she inform me or discussed with me that there was a {$89000.00} lean on my home and it would have to be paid off. I knew about the lean but I thought the lean was to be paid off when I sell my home or at the back end of the mortgage. When I reviewed the closing disclosure I did see XXXX ( Lean holder ) but I was under the impression that it was perhaps an appreviation for me. I signed the closing and did not realize that I was not getting any money was on the 4th day after closing when I did not receive a check. I did receive the checks for the student loans, XXXX XXXX and car loan. When I called the attorney 's office I was then informed that I was not getting any money. Loan Depot delibrately did not tell me about the lean so that they could close. I was up front with XXXX that I wanted to do necessary repairs on my home and it was the only reason why I was refinacing at a higher interest rate and mortgage increase. I am now obligated to pay a XXXX interest rate on XXXX. My monthly mortgage payment has increased by {$700.00} {$2300.00} and I did not receive money for repairs. I paid XXXX in closing costs for LoanDepot to tell me that it is a done deal and there is nothing they can do for me. The final closing was on XX/XX/22. When I spoke to the attorney she was very confusing she stated that I had to pay {$1900.00} for closing but on the other had she also asked me if I had paid the mortage for XXXX. I thought the money I was paying was becasue I had not paid the mortgage for XXXX and it had not been included in the payoff amount.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
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 XXXXXXXX XXXX, has violated my rights. 

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 an 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from XXXX XXXX in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on XXXX XXXX account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions