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

Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law my rights as a consumer.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

End of Day Balance {$33000.00} I had {$33000.00} in my chase checking account and I tried to wire some money, I don't remember how much probably like $ XXXX. My bank was closed and it's been 2 months now. I try calling them and they tell me to wait a week. I've been calling them every week for the past month now and they just say the same thing over and over. I went in real life and they told me the exact same thing I heard on the phone. No explanation or timeframe of when they'll release my money. I got a check in the mail from chase, and it was a check for {$5.00} .... I'm scared I'll never get my money
Product: Credit reporting

We filed a dispute with Equifax on XXXX/XXXX/16. The site still lists the investigation as pending and it has been longer than 30 days. The other XXXX reporting agencies XXXX XXXX and XXXX XXXX have returned the information in a timely fashion. When we call to get information they try to sell us their credit monitoring service.
Product: Money transfer, virtual currency, or money service

Ive called everyday each day its a different answer and they have said they will call me back and dont its been about 2 weeks since I first put the request in
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

MY ACCOUNT WAS LINKED BY   XXXX   WITH   XXXX   XXXX   WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF   XXXX   XXXX   TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH   XXXX   XXXX   OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.
Product: Credit reporting or other personal consumer reports

I traded in a vehicle to XXXX during the purchase of another vehicle. The loan for the trade was paid in full and left with a zero balance yest for the past 4 months the huge balance is still showing owed and negatively impacting my credit score and debt ratio. I have asked to please update my consumer credit reports as this is a paid loan and was never late and no money is owed but XXXX has not. Now my credit score is dropping and debt ratio is a major factor this is {$24000.00} being incorrectly reported
Product: Checking or savings account

On XX/XX/XXXX, my wife and I submitted a Certificate of Trust form to Capital One to convert our existing savings account to Revocable Living Trust ownership. We paid {$30.00} to get the form notarized. On XX/XX/XXXX, we received a message from Capital One stating " The Certificate of Trust form you sent us is incomplete and couldn't be processed ''. I contacted Capital One for more clarification, and they stated they couldn't process the request because the trust name was too long as it exceeded 120 characters. However, the form doesn't mention this limitation and actually allowed me to type in more than 120 characters. The customer service agent stated that I would have to submit a new form with a new notary signature. I shouldn't have to spend the additional time and money resubmitting this form with a notary signature as there was no indication of the character limitation.
Product: Debt collection

In XXXX of 2019 a credit card with XXXX ( XXXX ) was opened in my name. This was disputed with all XXXX credit bureaus as fraud and it was removed from my credit report. I have proof of this. Just yesterday, I received a letter from Credit Corp Solutions ( a debt collector ) trying to collect on this fraud account. I would to file a complaint and pursue legal action again this company. 

I have spoken to my attorney and legal action will be started if I do not receive compensation within 45 days.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Reporting Violations by Equifax, XXXX, and XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the XXXX major credit reporting agenciesEquifax, XXXX, and XXXXfor ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite numerous certified letters I have sent, with verifiable tracking numbers as evidence, these agencies have failed to address or correct the inaccurate information they are reporting on my credit file. 

These actions directly violate 15 U.S.C. 1681b, which mandates that credit reporting agencies must only disclose consumer information for permissible purposes. Additionally, they contravene 15 U.S.C. 1681g and 1681i, which require agencies to provide accurate reporting and conduct proper investigations of disputes. By continuing to report inaccurate information, they have also failed to comply with 15 U.S.C. 1681e ( b ), which obligates them to maintain maximum possible accuracy. 

I also invoke my rights under 15 U.S.C. 1681g ( commonly referred to as Section 609 ), which allows consumers to request detailed disclosures of the information on file and its sources. I have repeatedly requested these details to identify the root of the inaccuracies, but the agencies have either ignored these requests or failed to provide adequate responses. 

The consequences of these violations have been severe and detrimental to my quality of life. Inaccurate reporting has caused significant financial discrepancies, leading to denials for credit and other essential services. This unjust reporting, done without my explicit consent, is a breach of both my rights as a consumer and the fundamental principles of the FCRA. 

I request that the CFPB intervene to : Investigate these ongoing violations by Equifax, XXXX, and XXXX. 
Mandate that these agencies immediately address and correct the inaccuracies in my credit file. 
Impose any necessary penalties to ensure compliance with the FCRA and protect other consumers from similar harm. 
I am prepared to provide certified mail tracking numbers, receipts, and copies of my previous correspondence to substantiate my claims. Being that I am also a business owner, this situation has caused not only financial hardship but also emotional distress, as I am unable to secure basic approvals due to this unlawful behavior. 

Thank you for your attention to this matter. I look forward to your timely assistance in ensuring that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charge off on my credit report and I have disputed this account several times and I have yet to receive any validation of owing this debt. I have tried calling asking for information and was met with hostile customer service reps and they weren't able to provide any information in regards to this account. I'm asking XXXX to provide a signed contract which is required per FCRA to validate a debt. Per FCRA if XXXX can't provide a signed contract any information being provided to any credit reporting agencies must be deleted.
Product: Credit reporting or other personal consumer reports

The F

air Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which all
ows for {$XXXX} per violation, for account listed without my expressed written consent.
Product: Debt collection

I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
Product: Student loan

Hello I am having issues with my loan servicer Aidvantage, my first payment was processed on time on XX/XX/XXXX and I tried to set up auto payments going forward with the first one scheduled for XX/XX/XXXX. When XX/XX/XXXX arrived I saw that my auto payment was not processed and no money then out of my bank account even though I had submitted it and received email confirmation the auto payments were approved. I called and they said it take a few days to process. However when I logged back in on XX/XX/XXXX it was saying my payments were past due. I decided to cancel my auto pay since it does not seem like it working and the one-time payment I made in XXXX was successfully processed. I am frustrated with this company because it does not appear that they are able to process payments on time yet they will show up on your profile as past due even if it is entirely their fault for not processing payments properly. I have a separate loan with another servicer and I have never had an issue with them processing a payment. Nothing should show as past due if a payment was already submitted.
Product: Debt collection

The called multiple time back to back today 5 time in less them 5 min. They also leaving voicemail on voicemail with not Id factors on the
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my dispute letters on XXXX XXXX and was informed that they have not received my letters, I am submitting my letter through CFPB to ensure that they are delivered.
Product: Checking or savings account

I deposited a check in the amount of {$11000.00} into our joint XXXX account ( me and my wife ) yesterday, XX/XX/2024, before Wells Fargo 's cut-off time and received a receipt which stated that the funds will be available tomorrow, XX/XX/2024. The check that I deposited was issued from my business account at XXXX XXXX which had enough funds to cover the transaction. I verified today with XXXXXXXX XXXX that my check was cleared overnight without overdrawing my business account. I contacted Wells Fargo Bank to find out what happened to my funds and I was told by the supervisor that my check was returned/unprocessed due to not enough funds to clear the check at XXXX XXXX XXXX I asked Wells Fargo Bank to release my funds right away since I have processed my mortgage payments which currently overdrawn my account, however Wells Fargo Bank is not willing to do so stating that they do not have the funds.I need to file a complaint against Wells Fargo Bank and file an investigation in order to chase my {$11000.00}.
Product: Checking or savings account

Greetings, I have tried to fix this issue now twice with my bank and they had credited my account and now they reverse the charges telling me that they dont see any errors or that they dont see that the account was closed with XXXX XXXX XXXX  credit card which is the same bank I also had a complaint against for fraud. 
Basically, XXXX XXXX is not protecting their consumers because I told them that I had already filed a report against XXXX XXXX and they should not have taken my money and that is one reason why I have my bills pay directly with another banking institution because with XXXX XXXX it always a drama and injustice to get your case resolved.
Product: Checking or savings account

Sometime last year, I had a checking account with U.S. Bank. I did NOT have automatic overdraft protection, and since I did not have this service, I was under the impression that all debit purchases that exceed my checking account balance would be declined. I made a decision to move my primary checking account to another bank, but I did not close my U.S. bank account. I believe I had a balance of just under {$10.00}. At some point in time, a debit purchase that exceeded my bank account balance by about {$0.00} [ XXXX XXXX ] was paid by the bank. Then, shortly thereafter an OD fee of {$35.00} was posted to my account. I did n't realize that this happened until about 5 or 6 months later. During that time, the bank continued to charge recurring fees because my account was overdrawn. By the time I realized what had happened, the bank had charged over {$300.00} in fees to my account and they closed my account. I sent a few correspondence directly to the bank using their secure messaging system. Unfortunately, once my account was closed, I no longer had access to the messaging system, and I did n't think to make copies of the correspondence for my own records. <P/>In short, I think this bank has unjustly enriched itself by charging over {$300.00} in fees for a XXXX XXXX transaction that they should never have approved in the first place. One of the reasons I chose to move my checking account to another bank was because I felt that U.S. Bank charged exorbitant fees and they were not XXXX-friendly ( I am currently a XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled one way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Credit card

My credit limit was somehow maxed out. I stopped using the card. I had auto pay enabled so my balance should have been coming down. Somehow my balance continued to increase despite the payments I was making. Then my auto pay was turned off and they claimed I did it. They continued to authorize transactions from XXXX because they are a business partner. Now my balance is up over {$2800.00}, and my limit was XXXX. I can not afford to pay what they want to make the balance current, and because of that, I keep getting interest and late fees added and I am now unable to pay on the card because I don't have the money they want up front. I asked them to waive the interest and late fees to bring my account to XXXX and I would work with them to pay what I owe, but they claim they can not waive the transactions because they were agreed upon by me and XXXX despite the fact I have no credit available. My credit report has tanked and it is effecting my house mortgage and car payments.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report from Equifax, XXXX and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report 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. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!
Product: Debt collection

In response to Complaint # XXXX Attached in Exhibit N is the company response to complaint # XXXX. 
FINANCIAL ASSISTANCE INC ( FAI ) responded on XX/XX/2023. 
" XX/XX/XXXX  CFPB Complaint # XXXX FAI : XXXX Since a balance is no longer owing on this account and since the CFPB is allowing the ongoing expenditure of resources by both parties, FAI will submit a request for removal of this account and the accounts of the associated cotenants to the credit bureaus. '' FINANCIAL ASSISTANCE INC ( FAI ) has clearly developed a well document case of aggravated identity theft 18 USC 1028A, pattern of racketeering, violating a cease and desist, inaccurate debt parking 15 USC 1692d ( 4 ), violating 15 USC 1692g, violating 15 USC 1681i treatment of inaccurate information, violating 15 USC 1692a ( 2 ) communicating via any medium. FINACIAL ASSISTANCE INC ( FAI ) is continuing to invade individual privacy while continuing to commit abusive, deceptive and unfair collection practices with malicious forethought and malice to cause physical and financial harm to my consumer report and financial reputation and to the reputation of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. FINANCIAL ASSISTANCE INC ( FAI ) " FAI 's normal course of business '' is to violate multiple U.S. Codes to multiple federally protected consumers. See Exhibit A, Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, Exhibit G, Exhibit H, Exhibit I, Exhibit J, Exhibit K, Exhibit L, Exhibit M, Exhibit N, Exhibit O : reinsertion of inaccurate information to CRA 's on XX/XX/XXXX  after company 's response to delete completely and from all individuals consumer reports on XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

From XXXX to XXXX my monthly transactions on my XXXX XXXX all differ from what is shown. Not only can you see the end of each months total change as you scroll through each month but when added up transaction by transaction the total is completely different than the amounts they show month to month. I have proof. There is at least {$1000.00} that is missing from my account. It's like it just vanished!! 

This isn't the only way Cash App is stealing or hiding our money. My bitcoin transactions do not add up and there are transactions that have magically appeared to cover for other funds that have disappeared. Shame on me for trusting them with handling my money. GET RID OF CASH APP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - BANK OF 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 instructions.