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

I originally disputed the inaccurate and unverifiable accounts on my credit report on XX/XX/year>. The items were verified as accurate with no proof as I had requested the documentation proving the alleged account had belonged to me. The company failed to provide them. I am currently in the process of applying for a mortgage and these unfavorable inaccurate are hindering me from an approval. In addition I have disputed directly with the creditors who are reporting this inaccurate information on my credit reports and they have not responded to my disputes either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, XXXX recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by AMEX ( XX/XX/2021 ) and I have no recollection of doing any business with AMEX .I contacted AMEX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my XXXX XXXX is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next XXXX weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Vehicle loan or lease

On XX/XX/2022 credit acceptance opened an account for me. Through a third party which is XXXX XXXX. Upon looking over the account Ive found multiple violations 15 usc 1681 604 A, N, I 15 usc 1666 B XXXX gap XXXX interest on the loan XXXX illegal repo / theft of vehicle XXXX identity theft XXXX deceptive practices
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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Failure to Respond to Dispute Letters. 

Dear Sir/Madam, I am writing to file a formal complaint against Equifax Information Services , LLC for their failure to respond to multiple dispute letters regarding inaccuracies in my credit report. Despite my extensive efforts to address these discrepancies, Equifax has neglected to take appropriate action to rectify the errors within the legally mandated timeframe. 

On XX/XX/2024, I submitted detailed dispute letters outlining numerous inaccuracies found within my credit report. These errors encompass various aspects, including personal information and account details. Despite providing clear documentation and explanations for each discrepancy, Equifax has failed to investigate and correct the inaccuracies as required by law. 

The discrepancies outlined in my dispute letters include but are not limited to : - Inaccurate reporting of personal information, including date of birth and current address. 
- Errors in reporting account details for various creditors, such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Failure to update or correct erroneous fields related to high balances, dates of last activity, dates reported, creditor types, comments, dates of last payment, credit limits, payment histories, dispute statuses, account statuses, and account types. 

These inaccuracies have significant implications for my financial well-being, potentially affecting my ability to obtain new credit, secure employment opportunities, and access appropriate insurance rates. Despite my diligent efforts to address these issues with Equifax, the company 's failure to respond and rectify the errors has exacerbated the situation and caused unnecessary stress and frustration. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Equifax fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The credit bureau is in violation of the following laws : 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b.

Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 

Please find enclosed copies of my dispute letters sent to Equifax for your reference. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XXXX XXXX my card was used at a XXXX XXXX XXXX XXXX in Florida, I live in Indiana. My card was charged {$450.00}, I have not traveled to Florida for 12 years. I do not know anyone traveling to Florida at that time. I have never shared bank or card information to any friends, family or strangers. I do not use social media and never posted anything about my bank or card information. Then on XXXX XXXX " XXXX XXXX '' took {$1500.00} out of the same account. I did not approve any of these transactions. I have never met an XXXX in my life. I have disputed these transactions 4 times, all came back " Not Fraudulent '' and Chime/XXXX XXXX  refuses to refund me the money that was stolen from me. I have requested the information on how they found that conclusion but have not received it yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting to XXXX for a collection account they have not provided a letter of debt verification. Please investigate this claim and delete this from my credit report.
Product: Checking or savings account

I am filing this complaint regarding a serious issue with Idaho Central Credit Union ( ICCU ). On or a few weeks after XX/XX/XXXX, I visited an ICCU branch to request that my bank accounts be fully transferred under my sole ownership, removing my parents ' access as I had reached legal adulthood. The bank staff assured me that the accounts were successfully transitioned to my name only. 

However, I recently discoverednearly a year laterthat my parents still had access to my accounts without my knowledge or consent. They were able to view my financial transactions and have questioned me about my purchases. This unauthorized access constitutes a significant breach of my privacy and financial autonomy. 

I have made multiple attempts to contact the bank to address this issue, but I have been unable to get in touch with them for a resolution. Despite my efforts to reach out through phone calls and other means, I have not received any assistance or clarification regarding why my request was not properly fulfilled. 

I am seeking the following resolutions : Immediate confirmation in writing that my parents access has been fully revoked and no further unauthorized parties can access my accounts.

A full investigation into how and why my request was not properly executed.

Potential compensation for the distress and privacy violation caused by this oversight.

I request that the CFPB intervene to ensure ICCU complies with banking regulations regarding account privacy and customer requests.

Bank Information : Bank Name : Idaho Central Credit Union Branch Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account Type ( XXXX ) : [ Savings, etc. ] Date of Issue : XX/XX/XXXX Personal Information : Name : XXXX XXXX XXXX Contact Information : XXXX XXXX Thank you for your assistance in resolving this matter. 

Sincerely, [ Your Full Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( I BELIEVE KNOWN AS XXXX XXXX XXXX ) Account # UNKNOWN has violated my rights. I don't know who XXXX is. I have never signed any agreement or contract with them. 

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 They have violated my HIPPA rights as well. This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Product: Checking or savings account

I sold a truck on XXXX for {$13000.00} and took a personal check from a family I know well and are large farmers in my area. I have no doubt the funds are available for the check to clear but I also know banking regulations since I have worked in the banking industry for multiple years and know compliance and BSA cause that is my job. I knew the check would have a funds availability hold placed on it due to the amount the check was for. I was told at the Wells Fargo drive up that a hold would be placed on the check and the funds would be available on XXXX because of the holiday. Only {$400.00} was made available up front even though I had about half the amount of the check in my accounts already. Whatever, I didn't need the money right away but for a down payment on a new vehicle. The dealer ship was understanding and said to bring a check in on XXXX, awesome! XXXX my funds are available so I transfer money to checking from my savings to get the total for my down payment. I check my phone the morning of XXXX and have a notice from Wells Fargo that states my funds in the amount of {$13000.00} are not available and on hold till XXXX because the " signature on check was irregular. '' My account is now {$13000.00} less. I call the number supplied by Wells Fargo and am in touch with a banker who just keeps telling me my funds will not be available till the 3rd and it is on a 5 day hold. He can not answer why the money was available one day and then is taken away the next. My complaint gets elevated to another person who is sympathetic but instantly send me to the fraud department and answers none of my questions. Once I get a person on the line from the fraud department I've been on the phone for over an hour. She says she can try to see if the bank the check is from can tell her if the funds are cleared or not. The bank the funds are from, XXXX, does not participate in the program Wells Fargo uses to confirm this, XXXX? I don't know what she is referencing. The customer service rep tells me I need to have the person who wrote the check verify with his bank and get proof the funds are cleared and fax it to Wells Fargo. If that happens they will release the funds before XXXX. None of this seems correct to me and I could be in a world of trouble if I would have been writing checks to people on XXXX when my funds were available. In today 's world it does not take the full 7 days to receive funds and the funds should be released as soon as the bank receives them.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX
Product: Debt collection

I strongly suspect that Vital Recovery Services sold my " debt '' after I informed them that no one at my phone number had any overdue debts and that their calls had to stop. Subsequently, XXXX XXXX started years of harassing phone calls to my number.
Product: Credit reporting or other personal consumer reports

This is another attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy, and the reported history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
EXPERIAN : 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 or other personal consumer reports

I had written to formally file a complaint regarding XXXX XXXX XXXX, XXXX. To the credit bureaus and make them aware that this collection account on my credit report in inaccurate in false. I was advised to conduct my own research on XXXX there I found that XXXX XXXX XXXX, XXXX is not a licensed collector in the state of Nevada. 

This collection entry is negatively affecting my credit score and is causing me undue stress and hardship. As per Nevada law, any company engaged in debt collection activities in the state is required to be properly licensed. Since XXXX XXXX XXXX, XXXX does not meet this requirement, their reporting to my credit report is not only inaccurate but also unlawful. 

I kindly request that you investigate this matter and take the necessary actions to rectify this issue. I have attached copies of my credit report, documentation confirming that XXXX XXXX XXXX, XXXX is not licensed in Nevada, and any other relevant information for your reference. 
I visited nmlsconsumeraccess.org where I confirmed XXXX XXXX XXXX, XXXX is not licensed in the state of Nevada. 

Please let me know if there is any additional information or documentation needed from me to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
Product: Credit card or prepaid card

Month after month XXXX is wrongfully reporting inaccurate information about my account status to the credit bureau. Since XX/XX/XXXX of 2017 they are reporting inaccurate balances and inaccurate payment status. I have contacted XXXX every month to fix this issue and every month they claim it will be fixed and is not. My balances are always wrong and when I call they say they are adjusted then a week later they are wrong again. My balances fluctuate because they are constantly adding and taking off late fees and I have never been late. The month of XX/XX/XXXX they reported I was late again when I was not and was told by their manager they  would fix the error on my credit report. My credit has significantly dropped because of them and I 've lost an incredibly large amount of time every month trying to fix this issue and it 's just not fair.
Product: Credit card or prepaid card

In XXXX I received a letter dated XX/XX/2022 that Barclay XXXX XXXX had closed my account for being more than 90 days past due. 
I logged in to my account on XX/XX/2022 and reviewed the account. 
I owed {$5.00} in XXXX after paying off the balance- this was an interest charge because of the date that I paid. 
I did not realize that this charge had occurred. 
I received NO paper statements or emailed statements. 
I also received NO phone call since XXXX about this past due. 
Over the next months I received incremental late charges totaling just under {$100.00} when I logged in yesterday and paid the total amount. 
I called the XXXX yesterday and they were closed ( Sunday ). 
I called today and spoke to an agent who told me the following : 1. I should be receiving emailed statements- I confirmed my email address - this is strange because I have another Barclays cc and receive statements no problem ; I searched my email for every combination of possible email that I can think of and nothing is there - in fact, the last email I have about my account is from XX/XX/2022 from XXXX, the company that used to have the XXXX XXXX accounts before they switched to Barclays. 
2. I am not receiving paper statements 3. There was a cease and desist on my account so they could not call me - I do not remember telling anyone to not call me, so this is strange. I have never requested any credit card not to call me. I asked that that be removed which the representative said that she did. 
I asked the following questions, and the representative could not answer me : 1. Is my account going to remain closed 2. Was an adverse action reported to the credit bureaus- she said that they report past due payments after 30 days but could not tell me if a report had been made on my account 3. What email are my statements coming from - meaning what email does XXXX XXXX Barclay use to send electronic statements- this way I can search my email to see if I missed the statements- she could not answer that 4. How did I end up on a cease and desist list so that they couldn't call me - I do not remember speaking to anyone in the past and certainly do not recall telling them to never call me again. 
I asked to speak to a supervisor - after holding I was told that none was available but that they would call me back today. I asked that the cease and desist be removed so that the supervisor could call me. 

I am mostly concerned about negative reporting to the credit bureau for this very small amount of money - it seems unreal that this would happen for less than {$100.00}. 

I have no email of statements because I didn't receive any - all I have are statements which they have access to. And the letter that they sent me dated XX/XX/2022. I am happy to provide anything that would be helpful.
Product: Debt collection

i took a look at my credit report and noticed there was a collection on there that did not belong to me and i called the collection agency and asked for them to validate it belongs to me and they could not provide me any proof and Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Checking or savings account

Valley National Bank {$200.00} Checking Bonus - Promotion from Valley bank. 
We have open the account and satisfied all requirements for direct deposit and amounts. 
Bank is not crediting the promotion amount of {$200.00}.
Product: Credit card or prepaid card

XXXX XXXX XXXX Good day. I am experiencing fraudulent and deceptive practice with synchrony bank Care credit account. When I was given this account with XXXX XXXX in XXXX XXXX. I was told that the purchase would be around {$1400.00} and if I use care credit, I would pay around {$1700.00}. I would be paying Somewhere between {$300.00} and {$400.00} for interst. That is a high interest, but I was willing to pay that amount. I have made monthly payment never missed a payment and now I am being charged almost an additional {$450.00} interest. Thats almost {$800.00} interest on a {$1400.00} dollar purchase. THIS WAS NOT DISCLOSED TO ME, and In Retrospect my monthly payment was made in a way where I wouldnt pay it off before the time when they were allowed to charge this additional interest, unbeknownst to me. This should be illegal and I am shocked and dismayed that banks are allowed to take advantage of consumers in this manner. What help is available for consumer protection from these fraudulent practices from greedy corporations. This should not be allowed. Many of us are facing financial hardship in this time and to have salt poured into our wounds is absolutely disgraceful in every way possible. Please help. 


Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv'e tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, i need to resolve this situation immediately.