23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX of 2022 I became a victim of the so called XXXX XXXX for {$1500.00}. I reached out to the Executive Office of Discover Bank but they denied my claim. I informed them that pursuant to 11 U.S. Code 548, federal law requires funds to be refunded for fraudulent money transfers regardless of voluntary or involuntary transfer. They did not respond back.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Student loan

Submitted a request for a loan refund on XX/XX/2022. Was quoted 4-6 weeks for the refund. Currently on week 7 with no updates on status of my repayment. Website does not reflect a change in balance and no money has made it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax data breach. The accounts listed here are on my report as a result of this this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both Experian and XXXX  are still reporting old information, but amazingly XXXX  has removed and Experian continues to report. 

Experian : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX XXXX  : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my Experian account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX  XXXX  '' r and " XXXX  XXXX XXXX   XXXX  ''. 

As well as the one account XXXX  is still reporting : " XXXX XXXX '' Thank you,
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Mortgage

I opened my first complaint on XX/XX/18, and the issue has yet to be resolved, despite two complaints being closed already. The mortgage servicer claims to have not received a payment sent through my bank 's billpay system on XX/XX/18. I provided proof that it was sent by the bank, and my bank did a trace and determined that the servicer never cashed it. On XX/XX/XXXX, the payment was reissued and a stop payment was placed on the payment that the servicer could not locate. I was assured that the negative information would be removed from my credit report and that everything would be resolved, and as of today nothing has been fixed and I am still receiving collection letters indicating that I have missed a payment, although I have provided XXXX  's with proof that every payment was sent. They have failed to correct this in a timely manner, resulting in an inability for me to obtain financing needed for my business based on false information provided to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Best Service Co is reporting Negative Account - Collections on behalf of original creditor XXXX XXXX XXXX XXXX. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 XXXX account ( checking ) was Closed per XXXX XXXX XXXX XXXX. Financial institution XXXX XXXX XXXX XXXX is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution XXXX XXXX XXXX XXXX. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

The first problem was the care was given to ex wife during a divorce. According to GA law the contract which was Capital One position is the divorce decreed does not relieve me of the financial responsibility. 

My ex wife fell behind in the payment and they pushed the extra fees and to the end of the. The loan was for 7 years. The care three years later was involved in the auto accident which total the care. We had full coverage through XXXX and Gap insurance. 

Ex wife called the insurance and capital one. XXXX, Capital one, and Gap insurance took so long to settle the loan we had extra fees and cot from Capital knowing the car was total and there were the moving party to get the information to the insurance and gap insurance. Capital one got the full amount from the XXXX, which was not enough to cover the loss. The gap insurance failed to pay off the rest of the car which it was supped to do. 

Capital one refused to negotiate and they wanted the full amount of the total loan. I said it was a simple interest loan the car was paid off way before loan car loan was due. The argument is, I should not owe for the unpaid balance on the care loan.
Product: Payday loan, title loan, or personal loan

Last month around the XXXX of XXXX I went to make a payment, the lady said their rates changed and I can recieve money. I asked what my regular payment was because I did not want a raise and she couldn't answer me because she already did it without my consent. Then she just kept ignoring me. I couldn't speak to the manager because she has been gone and I also found it odd that the old lady ( that wears a XXXX XXXX ) is using the managers initials and notoriety stamp to sign the document. I have been waiting to speak to the manager, but she still has not returned.
Product: Debt collection

First and foremost, this company never provided me the written notice I requested after initially being contacted around XXXX 2014. Their agent stated all calls are recorded and monitored and at that time assured me HE WAS LOOKING AT THE TRACKING NUMBER but never provided said number. I did not recieve the notice he states he sent out in order to respond in writing as the validity of the debt. I only paid it bc I was closing on my house and was assured it would be removed from my report. Not because I thought I legally owed the debt, but rather it seemed easier than losing my dream home. After the debt was paid, the company agreed to remove ( both original creditor comcast and stellar recovery ). However, they refuse to provide tapes on either occurance to verify and stated they would never do so even if I requested them in writing. All of these conversations have been taped according to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : CXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the item in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of erreneous accounts reporting on my Credit Report : Late/Closed XXXX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX CARD-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Product: Debt collection

I never had a account with this company and they are listing a debt which XXXX XXXX Report. This account has a false balance and is list with a company I never done business with Aargon Agency Inc.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting

By XXXX I filed a dispute with Experian CB regarding different closed accounts that has more than 7 years on my credit report and now are consolidated in XXXX account. I requested immediate removal from my credit report. On XXXX XXXX, 2016 Experian sent me an update with the accounts still under investigation and with a note stating they will resolved it by XXXX XXXX, 2016, as today is XXXX XXXX, 2016 more than 30 days later and I have n't been notified of the results. and there is no dispute note on my report for those accounts. By not replying in a timely manner to my initial request violated federal law. 
Accounts : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I appreciate your help on this matter, Failure to comply with federal regulations by credit report agencies are investigated by the federal trade commission ( see 15 USC 41, et seq. ) Attached is a copy of the only respond by them back on XXXX XXXX XXXX also My ID for verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically my car was repossessed recently due to the fact that I miss some payments on my lease. The reason why I missed payments is because I recently switched my credit card numbers due to a recent fraud claim which is actually identity theft and the payments were an auto pay so I didn't realize that it wasn't going through. to make my point stronger I didn't get any notifications saying that I didn't pay that month or anything like that and for that reason I have no idea of the situation and he randomly repossessed my vehicle I would like this repossession on my credit report should be cooking off my report because this will affect me immensely in my future career I always pay on time and this was a total mistake and unfair thank you very much XXXX XXXX
Product: Credit reporting or other personal consumer reports

this is incorrect and I am not waiting until XXXX decides to report to the bureaus, I need it updated now... 

XXXX XXXX Credit usage XXXX XXXX  Balance {$2900.00} Balance updated XX/XX/year> Credit limit {$3000.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases XXXX not show up until your credit report refreshes. 

Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit Card Payment summary 2024 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  Status
Product: Credit reporting or other personal consumer reports

Transunion will not allow access to my identity protection account. After login it wants authorization code which they are refusing to send!!!! 
After contacting them they instructed me to do things that were completely unrelated to the issue of them not sending verification code. ( My email has been working fine all morning and only the code is not being sent! )
Product: Money transfer, virtual currency, or money service

JP Morgan Chase Issue involves money sent to me on XX/XX/2018 by XXXX through a payment service, XXXX. 

My complaint is that Chase provided me with inadequate instructions and failed to communicate with me. 

XXXX sent money to me via a payment service by sending me an email with instructions. I followed every instruction given to me to add that email to XXXX. After I did that, Chase, my bank, sent me an email to the email address registered with XXXX telling me that XXXX had sent me money. So I went through the link they provided and followed all of their instructions to a T. 

Chase told me the money would be available in 1-3 business days. I was able to see the payment, choose which account to put it into, and otherwise access the details of that payment on their website at the time. 

Chase then canceled the payment and did not notify me in any way. On the Chase website for their payment system, XXXX XXXX with XXXX, they have a phone number and THREE email addresses for me, including the one they used to send me the email saying I had money. They did not bother to contact me at all. 

So when I went to pick up my car, the money from the insurance company wasn't there. I called Chase and they told me my email wasn't " linked '' properly. I was told that in order to receive the money, I had to make that email my " primary '' contact. This was inconsistent with my past experiences. To explain : I have my " primary '' contact with Chase listed as my phone number. In the past, I have received money sent through XXXX when that money was sent to my email address, not my phone number. 

This happened despite my following all of the required steps, using the link provided to me by Chase, and after viewing the payment on Chase 's website setting up which account to put the money into without anything amiss. 

The problem here is the lack of adequate instructions -- if the email needed to be " linked '' somehow, the instructions should have included this necessary step -- and the lack of communication from the bank when they canceled the payment. If the bank sends an automatic email when money is sent, they can send an automatic email when a payment is canceled. 

My insurance company, XXXX, is reissuing the money, but is now going to use a paper check because Chase 's online payment system is not reliable enough to try this again. This may sound like a minor issue, but this was a large payment for an insurance claim for extensive weather damage to my car, which is going to leave me without a car.
Product: Debt collection

Asked for the written agreement and the creditor failed to provide documentation.and mailed documents I was a victim of identity theft and a certified letter of a affidavit to the collection agency.agree to removed it and failed to do so.and also explained in details how I never open a account with this creditor.
Product: Student loan

I have made two large payments toward my student loans. The first payment was XXXX dollars on XX/XX/XXXX. The second being XXXX dollars on XX/XX/XXXX. 

I made these payments to pay off my unsubsidized student loans that were starting to accrue interest as of XX/XX/XXXX. 

Sometime after the second payment was made, I went to my account to see if the money had been allocated correctly. To my surprise, no transaction history was made visible on my account. After calling, they said I was not able to see this information because my account was still in an in school status. 

On the same phone call, I asked what payments they had on record. They listed out payments of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. They listed these as the only payments I have made despite me recieving email confirmation that my payments were of XXXX and XXXX respectively. Additionally, my bank statements show XXXX and XXXX dollar payments to EdFinancial. 

I am now seeking that the money I had put toward my student loans be rightfully asserted toward the loans, and any residual interest that was accrued as a result of this mishandeling be removed.