23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2014 I noticed three wire transfers that were large amounts. I contacted the bank. I was told they were flagged as fraud and would be canceled. Then on XX/XX/2014, the funds went through and I was told a fraud claim was filed and an analyst had to review it to get the funds back. On XX/XX/2014, I received an email from the back stating my claim was denied because it was confirmed it was through a connected device.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian numerous times and sadly I have to continue this fight to have them to remove inaccurately reporting accounts. In IRS Publication 4681 states that canceled debts or charged off accounts are considered INCOME and income is not to be included in any credit reports. I am writing to formally dispute inaccurate information on my credit report that you have failed to properly reinvestigate, in direct violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for consistently failing to conduct reasonable reinvestigations of consumer disputes, mischaracterizing dispute information, and allowing inaccurate information to persist in credit files. I believe my case falls within the scope of these allegations. The following account ( XXXX ) contain inaccurate or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. These accounts are reporting as Charged Off Accounts and Pursuant to IRS Publication 4681 Cancelled Debts/ Charged Off Accounts are classified as INCOME. The reporting of these accounts as debt is inaccurate. I never received a 1099-A or C from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the cancelled debt. Income is not to be included in a credit report. So Please DELETE/ REMOVE/ BLOCK these accounts. Thanks I have attached supporting documents including screenshots from the IRS website. Under 15 U.S.C. 1681i ( a ) of the FCRA, Experian is required to conduct a reasonable reinvestigation and provide accurate results. The CFPBs lawsuit highlights Experians repeated failures, including : Failure to forward all relevant dispute information to furnishers. Uncritical acceptance of unreliable furnisher responses. Issuing misleading and contradictory reinvestigation results to consumers. Improper reinsertion of previously deleted information. Given these legal violations, I demand that Experian immediately : Reinvestigate the disputed information in good faith, forwarding all supporting documentation to the furnisher. Delete or correct any inaccurate or unverifiable information. Provide a clear and accurate written response detailing the outcome of the reinvestigation. If Experian fails to comply, I will escalate this matter to the CFPB, the Federal Trade Commission, and pursue legal remedies as necessary. Please respond within 30 days as required by law. Sincerely, XXXX XXXX XXXX : Screenshots
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Complaint Number XXXX On XX/XX/XXXX, I began an auto loan transfer to Capital One Auto Finance ( COAF ) for {$23000.00}. COAF paid the wrong bank, took them several months to resolve. COAF then began to report to the credit agencies that my payments were late, even though I was STILL making payments to original loan company. COAF then closed the account, when the transferred occurred, so I couldn't make payments. Then COAF created dual accounts for my car loan. Closed one account and entered it as " repossession '' into the credit reporting agencies, while I'm simultaneously entering into a settlement agreement on the same account which COAF reported as repossessed. On XX/XX/XXXX and XX/XX/XXXX COAF sent settlement agreements. On XX/XX/XXXX sent a payment due notice. On XX/XX/XXXX COAF sent a " default and right to cure letter '' AND on XX/XX/XXXX COAF also sent a repossession notice. If not for my CONSTANT CALLING COAF, they would have illegally repossessed the vehicle. COAF is now advising that I need to file a dispute with the credit reporting agencies, to correct their mistake of the two accounts. SUCESSFULLY RESOLVED. 

On XX/XX/XXXX, a year later... did the same thing AGAIN! COAF discontinued my autopayment, and on XX/XX/XXXX COAF released the lien on the vehicle. On XX/XX/XXXX COAF began to notify the credit bureaus that the loan had been settled. I did not request a settlement, nor did I agree to a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are unauthorized and fraudulent inquiries reporting on my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Skrill decided to close my account. However, I have not received any communication after I sent them verification. They are choosing to keep the funds and not disburse to me.
Product: Debt collection

I noticed the collection on my credit report so I reached out to IC systems and XXXX and neither one of them could provide me with any account info. I asked for the address of the service, the final bill, and service dates and they couldn't give me any of that info. I disputed it through XXXX XXXX and the dispute comes back as it's an accurate debt but they still haven't sent me any info showing the accuracy.
Product: Credit reporting or other personal consumer reports

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX BANK XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was Dispute Resolution Services. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a check into cash loan I got on XXXX/XXXX/XX/XX/XXXX. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house XXXX, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to XXXX, but XXXX is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact XXXX to notify them of this situation. She also gave me XXXX 's number to follow up with them myself. I called XXXX, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him XXXX voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " thousands of dollars in penalties ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification that capital one made an inquiry on my credit report yesterday for a new credit card. They said the application was done online. I did not make this application and I do not know who may have made this application. The card is being sent to an address that I do not know neither is it listed as my address on my credit report.
Product: Credit card

On XX/XX/XXXX, I attempted to remove my XXXX XXXX XXXXXXXX and XXXX XXXX XXXX from my PayPal account. The PayPal system would not allow me to remove or unlink those cards from their system. On XX/XX/XXXX, I contacted PayPal Customer Service twice and spoke with their customer service agents. I requested that these cards be removed from my PayPal account and no longer be charged. I informed them that PayPal was not authorized to make any charges on my cards. This action was taken because on XX/XX/XXXX, PayPal attempted to withdraw funds from my bank account without my knowledge or consent. PayPal has refused to remove these bank cards from my PayPal account. 

I have XXXX bank accounts linked to my PayPal Account : Bank Account, Debit Card, Credit Card. After removing the XXXX bank cards, the bank account would have still been present. The PayPal customer service agent informed me that she would NOT BE removing these cards from the system. I do not owe PayPal any money and they do not have the right to keep my bank cards on file after I have requested to have them removed.
Product: Prepaid card

On XX/XX/XXXX i received this gift card for {$500.00}. I was able to use it at XXXX local store but no where else. I tried using it on XXXX, XXXX, XXXX, and in stores but none of the purchases went through. I was only able to use it at XXXX stores but mo luck with any others. The gift card says that the card works anywhere which it doesnt.
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has refused to accurately update my credit score. Over the past 6 months, EQUIFAX has refused to accurately update my credit file and all of the incorrect, negative information dropped my credit score in XX/XX/2017. Equifax was provided correct information, they still refused to accurately update my credit score back to the high ( A-B ) status.
Product: Student loan

I have a student loan from Lincoln tech XXXX  XXXX XXXX {$3500.00} from spring of 2021. They use their own lender called XXXX. I started by having auto payments taken out of my account monthly. My problem is I had no receipt or statement billing statement sent to me. So I canceled the auto payment ask the company to send me monthly bills in which I can send a check in order for proof of payment. My problem here is I never get my statement of what is built what is old what Ive been paid I have to call monthly in order to get that. If I forget to call XXXX XXXX  then they called me in which I ask for a bill to be mailed to me. Then I pay by personal check. They are not sending me anything monthly but harassing me saying they are going to send to collections or to the credit bureau I would like help on what to do in the situation even though I contact the lender. Is it my Responsibility to call every month in order to receive my bill and even when I get my bill it just shows me the amount that is owed to pay no other details. When I last spoke with the XXXX Representative he has told me I am not the only person who has been having this problem he also said that there is a website I can go on to see this but does not have that information of how I can login when I called Lincoln tech today its XXXX  and XXXX told me he does not have that information does not know about that. I uploaded all bills I have received since having this loan. Is this legal for a loan company want payment yet they do not sent monthly statements on what is own and what has been paid. I have other bills where I can go on their website or get my statements every month. I would greatly appreciate someones help. Thank you!
Product: Debt collection

We owed a debt for credit card. XXXXXXXX XXXX XXXXXXXX XXXX set up payment plans with us. We got hit with unexpected medical bills and couldn't make a payment. XXXX XXXX XXXX filed a garnishment order with the court. We were never notified of the court order. We were never given the paperwork for the court order that would have given us 2 weeks to pay before they froze our bank account. After our account was frozen, we had to call the court house to find out the case number and what was going on. We never new we needed to respond to the garnishment order. We then called XXXXXXXX XXXX XXXX. We told them we never received any paperwork. They then mailed the garnishment order to us dated for XXXX but mailed in XXXX. It was XXXX late for us to do anything. They froze our account for XXXX weeks. We were not able to pay any bills. Couldn't even pay daycare. They didn't care. Even after the debt was paid we continued to receive paperwork dated back in XXXX but received in XXXX. I had to rack up another credit card just to pay the debt to try and hurry and get my account unfrozen. This is what they wanted to happen though. This is a disgusting company. The attorney XXXX, should be ashamed of herself. Took an oath but then lies to close her case.
Product: Debt collection

A business debt was owed to XXXX and was credited off of the account effective XX/XX/XXXX for service that was disconnected. Due to the service being reactivated in XX/XX/XXXX, XXXX said after 60 days they would credit the account with the full deactivation fee to bring it to a XXXX  balance. 
- I received a call from XXXX XXXX XXXX on XX/XX/XXXX and discussed that service had been reactivated and that the account would be credited. They said they still showed the balance as open and would not be able to close it until XXXX closed the balance. I called XXXX to ask them to close the dispute because the service was back on and a credit was scheduled to be applied. They said they couldn't, but I shouldn't receive any additional calls. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and how this should be resolved and to please stop the calls. They saw it on their end and said that it should be taken care of now. 
-I received a call from XXXX XXXX XXXX on XX/XX/XXXX and once again told them that the debt was disputed. I called XXXX customer service again to discuss the situation and they showed no debt on their end. 
-I received a call from Windham Professionals on XX/XX/XXXX and the debt collector hung up the call after I began to tell him that the debt was already resolved. 
-A letter was sent from Windham Professionals on XX/XX/XXXX threatening collection activities for the debt to XXXX . 
-I called XXXX XXXX customer service line on XX/XX/XXXX and asked for copies of the company 's bills to send to Windham Professionals , including - A letter was sent to Windham Professionals on XX/XX/XXXX notifying them that the debt was satisfied, the debt was disputed, to stop communication with us, and record the dispute. 
-A debt collector from Windham Professionals called on XX/XX/XXXX and claimed no knowledge of the aforementioned letter. I told him he was harassing me at this point and had been notified already of the situation. He was suddenly able to find a bill showing the credit. He did not say that it would be satisfied, merely that XXXX told him to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian changed the payment history on this account, they changed the dates on the account and I want this account deleted because it has incorrect information on it. I disputed this account before and they said that the account was verified without doing an investigation. I have the pictures to prove that Experian changed the payment dates on this account. Before I disputed this account, it was XXXX  days past due in XXXX and after the dispute, Experian changed the payment history to XXXX  days past due starting in XXXX. How can they just switch account information like that, I was never late on XX/XX/2023 and if they have proof that I was late on that month then I want to see the proof, if theres no proof then I want the account to be deleted from my credit report. How can Experian report false information like that.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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