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

I am writing to lodge a formal complaint regarding the recent investigation results provided by Experian. Upon reviewing the findings, I have identified several discrepancies and failures to adequately investigate and re-investigate inaccuracies and errors in my credit report. 

As such, I demand immediate action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

First and foremost, I have serious concerns regarding the veracity of the investigation process. Despite claims of re-investigation, key questions remain unanswered. What specific updates or modifications were made to my accounts? Were they genuinely re-investigated, and if so, why do significant disparities persist, such as discrepancies in open dates and last activity dates compared to other credit bureaus? 

Furthermore, I have identified several accounts that continue to contain inaccuracies despite the purported investigation. Therefore, in accordance with my rights under the FCRA, I demand the immediate deletion of the following accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s- XXXX. XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681- XXXX XXXX XXXX XXXX XXXX XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681sXXXX XXXX. XXXX XXXX - XXXX - Delete this account from my credit report due to violations of 15 USC 1681 ( 5 ), 15 USC 1681 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Credit reporting

I called in to Equifax on XXXX XXXX, XXXX to notify them of inaccurate inquiries that were on my report. These inquiries did not afford me appropriate notification of being placed on my consumer report as were affected many consumers during a credit bureau glitch of most inquiry reported prior to XXXX XXXX. Upon reviewing my records with the association, I have made note of the following inquiries reported on my consumer account incorrectly : 1. XXXX XXXX XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 3. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 4. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 5. XXXX | REQUESTED ON XXXX/XXXX/XXXX 6. XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX I have called the company with customer service representative response stating that the inquiries would not be removed because they would fall off this year ( XXXX ). The incorrect inquiries have not been removed at this time. This is incorrect practice and I would like my consumer rights observed and protected.
Product: Credit card or prepaid card

I applied and was approved for a secured credit card throug h CapitalOne  in     XXXX   XXXX   I submitted {$200.00} as my " secured '' balance and began to use the card. In    XXXX   XXXX     , I submitted {$250.00} more as a way to increase my limit and, two months after that, {$300.00} more, for a limit of {$750.00}. (  CapitalOne  would not increased my limit without the security deposit. ) I recently closed this account, now that I was able to qualify for an unsecured real credit card. There was no balance on the account when I closed it, but they told me it would take one cycle before they could return my security deposit. After about two months, I received a check for {$350.00}. I called to find out why I was n't sent the full amount, and the representative said there were additional charges on the account after I 'd closed it ( not true ). Then he said there were nonrefundable fees. This card had a high interest rate, but no fees.  <P/> I really would like my {$400.00} back and I am hopeful that you can help me. Thank you.
Product: Debt collection

On XX/XX/202XXXX XXXX XXXX EST, I scheduled a payment for a one time charge to Resurgent Capital Services L.P . The original creditor was XXXX XXXX XXXX XXXXXXXX. The amount that was due was {$880.00}. The customer service representative that successfully helped me confirm the payment was very informative & notified me that the payment processing would likely take up to 3 days. Today is XX/XX/2023, XXXX XXXX, so most federal institutions are most likely not taking deposits, which means the payment will be delayed for more than 3 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit card

In XX/XX/XXXX, I enrolled in a Chase credit card promotion. The promotion ran from XX/XX/XXXX to XX/XX/XXXX. Customers could receive up to XXXX bonus points in increments of XXXX. I spent over {$5000.00} during the promotion period, and I was expecting XXXX points in my account. In early XXXX I sent a message to Chase, inquiring when my XXXX points would be credited. It had been over 60 days after the promotion ended. Chase responded that I had not enrolled in the program. I enroll in every Chase promotion that I can achieve. How would I know the details of the promotion, unless I enrolled in the promotion?
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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2023 XXXXXXXX XXXX XXXX  XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Called total visa company because I don't recognize this account/ neither do they, but it's reporting on my credit file please delete IMMEDIATELY,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the are accounts that I mark as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the past ( and present ) my consumer rights violated with the following credit reporting agencies : XXXX, XXXX, XXXX XXXX XXXX XXXX .These companies were reporting inaccuracies. ( To which this company gathered their information from 1 or if not more, information from these agencies ) .I 've sent a letter to asking for validation of debt, with reasonable debt in reasoning that my accounts were compromised. This company has acknowledge there wrong doings, and has resulted to reporting derogatory remarks on my account. 
Violation # 1 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement Violation # 2 ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Product: Mortgage

To Whom It May Concern : Ref CFPBcomplaint # XXXX It seems if XXXX XXXX delegates problem and perhaps rather than send form letter raising payments and contact XXXX County Auditor 's office as asked this matter could be resolved contact XXXX XXXX extension XXXX ref to any questions approved for 4 % tax rate.
Product: Debt collection

Jefferson Capital Systems I am responding to your notice that you placed in my con-sumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX, XXXX 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.
Product: Credit card

Dear CFPB, I am filing this formal complaint against Navy Federal Credit Union for improperly handling my chargeback dispute, specifically under XXXX Reason Code 13.1 Services Not Provided. Despite providing all required evidence, Navy Federal has repeatedly failed to process my claim in accordance with XXXX established guidelines for chargebacks.

Overview of the Dispute 1. Transaction Details : Merchant : XXXX XXXX XXXX XXXX Amount : {$1000.00} Processor : XXXX XXXX on behalf of XXXX XXXX XXXX XXXX : XX/XX/2024 Posting Date : XX/XX/2024 XXXX. Nature of Dispute : The dispute falls under XXXX Reason Code XXXX Services Not Provided. XXXX XXXX XXXX XXXX failed to provide any contracted services for the agreed-upon dates ( XXXX XXXX XXXX ). The contract explicitly states : Clause 8.2 In case of non-attendance, cancellation, or total non-compliance of the services, the contractor must compensate the client with 20 % of the contracted value, in addition to a full refund of any payments already made by the client. 

After acknowledging their failure, the merchant ceased communication and blocked me, leaving me without recourse. 

XXXX. Evidence Submitted : I provided Navy Federal with : A translated portion of the contract showing refund terms. 

Payment receipts. 

Written communications confirming the merchants failure and refusal to comply. 

Violations by Navy Federal 1. Failure to Process Dispute Properly : Navy Federal improperly closed my dispute, claiming it was out of time, despite Visas policy allowing disputes for future-dated services to be filed up to 540 days from the date of service under Reason Code 13.1.

2. Improper Resolution Process : Navy Federal instructed me to pursue the merchant in U.S. small claims court, which is an impractical and inappropriate recommendation for an international dispute.

Formal Request for Action I request the CFPB to investigate Navy Federal Credit Union for failing to process my dispute in accordance with Visas guidelines and denying me consumer protection rights under federal regulations.

Supporting Documentation I can send you upon request : 1. A translated portion of the contract showing refund terms.

2. Payment receipts.

3. Communications with the merchant demonstrating their breach of contract and subsequent refusal to engage.

4. Correspondence with Navy Federal regarding their mishandling of this case.

This situation has caused significant financial and emotional distress. I urge the CFPB to hold Navy Federal accountable for its failure to uphold consumer protection standards. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I previously filed a complaint for NewRez Mortgage in regards to an assumption I started XX/XX/XXXX with a deadline for XX/XX/XXXX. There communication and expectations for assumption were not clear, delaying my closing and costing me {$XXXX} to go to court for signatures on a quit claim deed and deadline extension. NewRez stated it would take XXXX weeks to close and made mistakes, causing me to close XXXX, past the deadline of XX/XX/XXXX. They responded to my previous complaint saying the issue was resolved and it is not. 

NewRez stated they were unable to schedule my closing after the deadline ( XX/XX/XXXX ), however I was able to schedule a closing with them on XXXX. My closing check was cashed, paperwork signed with a lawyer and the quit claim deed ( signed by my ex husband ) was filed with XXXX XXXX. I called mid XXXX to inquire about why payments were being taken from my account, as there was a discrepancy between what my new payment/due date ( XXXX ) and what was being withdrawn and my ex husband still has access to the account information. Their customer service line had no indication that I completed an assumption. Upon further investigation, I was told that it was a " new policy '' that I needed my ex husbands signature for release of liability. This requirement was not disclosed prior and I had to go to court to obtain his signature on the quit claim deed as well as already having his signature for authorization in XXXX of XXXX. After making my phone call, I received a call from NewRez asking my ex husbands name and phone number to call for a signature. To me this indicated that after causing a huge delay, costing me thousands of dollars, NewRez didn't even take the steps to finalize my assumption or notify me of any issues. I send a follow up email on XX/XX/XXXX and still have not received a response.
Product: Checking or savings account

I had XXXX unauthorized charges taken from my Chime account which is run by XXXX bank on XX/XX/2023 that total to {$720.00}. It clearly states in my account where they were taken at which is XXXX XXXX I called Chime right away to start a dispute. The transactions were still pending at the time and could have been cancelled but Chime did nothing to help me. They asked me a few questions for the dispute, and then I got an email a few days later saying that they would not reimburse me that I was liable for these charges that I did not authorize and I now have to try to get the money back from the store that the purchases were made, which is XXXX store # XXXX in XXXX New York. I called the store and they will not help me. They told me to file z police report, so I filed a police report to help with this process as well. Chime is a member FDIC and my money should be protected while it's in their possession. They are doing nothing to help me.