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

Complaint Against XXXX XXXX Issue : Failure to validate debt properly, reporting discrepancies, and potential securitization violations.

Details : 1. Discrepancy in Account Numbers : XXXX  correspondence references an account ending in XXXX, but the credit report reflects an account ending in XXXX. This inconsistency raises concerns about whether this is the same account or a duplicate entry. 
This discrepancy violates Section 609 of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting by furnishers.

2. Improper Validation of Debt : XXXX failed to provide a complete validation of the debt. Their response did not include : An original signed agreement linking my client to the debt. 
Proof of how the balance was calculated, especially the charge-off amount. 
Documentation confirming no third-party securitization of this account, as indicated in their XXXX filing. 
This violates Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), which requires validation of debt upon request. 
XXXX. Repeated Charge-Offs and Reporting Errors : XXXX reported this account as charged off multiple times over consecutive months and years, inflating the negative impact on my clients credit score.

This constitutes illegal double jeopardy reporting, violating FCRA Section 623 ( a ). 
XXXX. Potential Securitization : XXXX XXXX XXXX  filing XXXX the possible securitization of accounts. If the debt was securitized, XXXX can not legally collect on the account or continue reporting it as owed, as ownership would have transferred. 

Complaint Against XXXX and TransUnion Issue : Failure to conduct proper investigations, reporting errors, and potential sham dispute investigations. 

Details : 1. Failure to Investigate Disputes : Both XXXX and TransUnion failed to investigate disputes thoroughly and instead relied on automated responses. This constitutes a sham investigation, violating FCRA Section 611 ( a ). 
Recent lawsuits against XXXX highlight their systemic failure to handle disputes appropriately. 
2. Inaccurate Reporting : Both bureaus reported conflicting account numbers for the same debt ( XXXX vs. XXXX ), indicating a lack of due diligence in ensuring accuracy, as required under FCRA Section 623 ( a ).

Both bureaus also failed to remove the disputed account despite no proper validation from XXXX XXXX. 
3. Failure to Note Dispute Status : Despite repeated disputes, the bureaus failed to mark the account as disputed, violating FCRA Section 623 ( a ) ( 3 ). 
4. Emotional Distress and Financial Harm : Their failure to remove inaccurate and unverifiable information caused significant harm to my client, including denied credit applications and emotional distress.
Product: Credit reporting

Good Morning, For the past month I have been working solely with Equifax to try and rectify an issue with my credit report being frozen, locked, or blocked. I am in the preliminary steps of of purchasing a home and I have been held up for months now because my lender is unable to access my Equifax report. She is able to access XXXX and XXXX but continues to state that Equifax is locked or frozen. Equifax has been extremely unresponsive and unprofessional with this matter. I have spent myriad hours on the phone with them to no avail. 

I ask that you please contact Equifax and remove ALL freezes/ locks/ blocks on my account and please notify me when you have completed this. I am glad that this resource is available because it has been extremely frustrating trying to resolve this with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint about the Credit Bureaus overall and specifically Experian. I applied for a loan direct with a lender through their direct portal. I did NOT do any on line inquiries and when the Lender ran my credit the Bureaus sold my contact information. They didn't just sell it to a couple places but to several dozen. I have received over XXXX phone calls and emails since yesterday. I have to answer as many as possible and tell them to no longer contact me and that I am not interested. It affected my ability to work and even some from yesterday are still calling today. I work in the Finance industry and if I am at my wits end I can't even imagine how a regular borrower feels. This is not okay and something needs to be done to limit the sale of information because this is literally harassment and should be criminal. 

Thank you,
Product: Credit card or prepaid card

XX/XX/2020 Made a purchase using my Capital One Card for  an online service XXXX. They had a cancel anytime fully refundable policy. 
XX/XX/2020 I chatted with the XXXX representative through their online customer service and canceled my plan. 
XX/XX/2020 I was charged for a second month of XXXX. I disputed now both charges for XXXX through Capital Ones online dispute system. 
XX/XX/2020 I received a packet from Capital One. Stating it contained evidence of purchase. I didnt dispute that I made the purchase. I asked for a refund and wasnt given the refund and then was charged a few days later for a second month. I then sent Capital One a letter stating they should back me and that this company was committing fraud. 
XX/XX/2020 I received a letter from Capital One stating because the had an invoice of my purchase and they needed me to supply documentation of my cancellation. I did this through the fraudulent companys chat system proving to be impossible for me to supply proof. I couldnt even do a print screen of the chat when I was online XX/XX/2020. Capital Ones letter stated I should go directly to the fraudulent company if I wanted a refund. 
XX/XX/2020 I wrote to Capital One stating I had called them and was on hold for over 90 minutes before I was transferred to another department with a wait time of 2 hours. Then I submitted the links to show XXXX F rating with the XXXX  and I included their refunds and returns policy. I requested my refund of {$39.00} x 2 months immediately. 
I pay Capital One 24 % interest charges. They should do the right thing by their customer and not XXXX, an F rating from the XXXX   with over 260 complaints in the past 2 years. 

XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX Product Guarantee : Our Pro plan comes with a 30 day, money back  guarantee. If you try our XXXX application as a Pro user and decide it is not for you, you can simply cancel within the first 30 days and get a full {$39.00} refund by emailing XXXX anytime 24/7.
Product: Money transfer, virtual currency, or money service

Hello, I invested in XXXX currency from Coinbase.com 2015 and all my investment have been stored on their wallet since then, about a month ago I noticed that my account have been blocked and it says " Sorry, account temporarily disabled. Please contact support '' when trying to log in. 

So I contacted their support and have not received any response from them and it's been over a month now, I created a new support ticket that got closed about 10 days after and today I received a new email from Coinbase saying this : " Hi, Thanks for working with Coinbase Support. 

We hope you were able to get the help you needed. We're closing this case ; if you need additional support, please visit the Coinbase Help Center for quick answers to many questions.

Regards, Coinbase Support '' And they have not even contacted me or helped me with my account. 
I have a lot of money stored and I need to withdraw them, it's my entire life savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

You are hereby put on NOTICE. 

Your credit reporting agency is reporting incorrect / inaccurate information my status of the charge off XXXX account has been filed with my 1099C and its now considered income. 

The status has changed of this XXXX account. It was charged off and I filed the 1099C and it's now earned income and income isn't reported on my consumer report. 

REMOVE IMMEDIATELY. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal purposes. Your credit reporting agency is inaccurately reporting has damaged my livelihood and my financial reputation. 

As defined, by the IRS. Even if you didnt receive a Form 1099-C, you must report cancelled debt as GROSS income on your tax return. 

The IRS clearly defines a charge off as GROSS or Ordinary Income, INCOME DOES NOT GET REPORT ON MY CONSUMER REPORT! Which in fact, makes your reporting of this account inaccurate. By definition, the IRS clearly says a XXXX or XXXX XXXX is income. The reporting of this account as a debt is inaccurate. I DEMAND you to Cease and Desist the reporting of inaccurate / incorrect information immediately. 

I've included and attached my 1099C on my income taxes which is now considered income. XXXX does NOT get placed on my consumer report. 

XXXX Offs The IRS says if the amount of over {$600.00} 1099C cancellation of debt. 
I filed taxes as realized as Earned income with my 1099C. 
Income doesnt get reported on my consumer report. 
So if I got my 1099C how is it being reported as a debt. 
So if I file it as income the status of the account has changed. 
It's not debt anymore it's income I filed my taxes. If it's income it's an inaccurate account. 

According to as it pertains to FCRA is inaccurate you must take it off my consumer report. 
15 U.S. Code 1681e ( b ) - Compliance procedures | 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. 

Note : The status has changed what you reported is inaccurate. So how is your consumer reporting agencies maintaining maximum possible accuracy when in an incorrect item. 

DELETE this XXXX account immediately. 

I demand Experian and XXXX to follow the law. XXXX recently removed it or I will have to enforce in monetary with state attorney. 


I've also included a factual dispute chart with discrepancies : High Credit : Experian {$16000.00} vs. XXXX {$30000.00} Date Last Active : Experian XX/XX/XXXX vs. XXXX XX/XX/XXXX Date of Last Payment : Experian XX/XX/XXXX vs. XXXX XX/XX/XXXX
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 violate 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
JPMCB - CARD SERVICE ***** Opened XXXX XXXX, XXXX Balance {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Three payments of {$840.00} were received by XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; XXXX agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXX XXXX  account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : TransUnion reports XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), TransUnion has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer credit files. Reporting false late payments without verification violates this requirement.

Per 15 U.S.C. 1666b, creditors must send periodic statements at least 21 days before the payment due date. No such evidence has been provided for XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) mandates accurate and timely disclosures. Reporting late payments inaccurately harms my credit profile and standing.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act ensures that creditors provide timely statements to avoid unfair penalties to consumers, which has not been upheld.

Desired Resolution Immediate removal of the inaccurate late payment notations from my TransUnion credit report.

Written confirmation of these corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

I was XXXX when my credit score was negatively affected by this. I sent the proper document that I was getting in a XXXX XXXX. In addition, they mailed the bill to the wrong address. Also, the agency did manage bring the accounts back as an XXXX/XXXX   status, my credit report is still not updated and the credit score has not increased. What can be done to expedite this process for fairly correct my status?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter disputing accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 2 hard inquiries from XXXX XXXX XXXX and XXXX XXXX on XX/XX/2021. In the dispute letter I demanded that TransUnion comply with Federal Law 15 USC 1681C-2 ( A ) 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, not later than 4 business days after the date of receipt. TransUnion received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law TransUnion was suppose to block/delete these fraudulent accounts and inquiries 4 days after the date of receipt. Therefore, TransUnion is in violation of Federal Law 15 USC 1681C-2 ( A ).
Product: Checking or savings account

On XX/XX/18 I deposited a check into my Chase Checking account. 
This check is from my insurance company XXXX XXXX for {$10000.00}. This is being used for my home to which was destroyed by a tree falling on it. 
When I deposited the check, Chase informed me they are holding it and it can not be cashed right away. 
I am disappointed being Im a long time chase customer and its an emergency. The check is also a Chase Check, so I should be able to get the funds immediately after depositing considering its coming from their account.
Product: Credit reporting

i requested full debt validation, to include all statements from XXXX banks. XXXX, XXXX, and XXXX. I requested all the statements from these XXXX accounts so i may confirm all the fees and late fees and payments to confirm that the information is being reported on me in 100 % accurate, valid and verifyable. Sending the last statement of the account does not allow me to confirm and verify and validate all neccesary information. I reached out to XXXX, XXXX and XXXX, but privacy laws and statutes of limitations hinder from receiving or verifying any information. Also i am asking for all signature cards of the opening of these accounts to verify all information. If information is not verifyable, valid and accurate, i am asking that they remove these items from my chexsystems consumer report.
Product: Credit card or prepaid card

Chase has my email address on file for another customer. I receive their mortgage statements, home address, credit card payments, etc. to my email. I have tried calling Chase over the past few months, they require you to enter an account number to speak to anyone. A few representatives I spoke to hung up on me after I explained the situation. The most recent I spoke to in their " privacy department '' wrote down all relevant information and said they would write a report to be handled by someone else within one day. I asked for them to follow up with me to make sure it's done. She said they will not follow up with me. I asked how can I confirm it is done, she said I can call back but they wouldn't be able to confirm it then either since I'm not the " affected customer. '' She then hung up on me when I asked to speak to someone else. 

Their emails contain no links for me to click to say " this isn't me '', they offer absolutely 0 ways to solve the issue, and they are sending me extremely personal information of another customer, yet do not seem to care.
Product: Credit card

I have XXXX credit cards issued by the Bank of America. I have had them for several years. I set up an auto pay to cover the minimum balance in XXXX but I did not owe any money so the auto pay were refunded to me. XXXX XXXX I started carrying a balance on these cards. Today I noticed that I was being charged a late fee of XXXX dollars even though I have an auto pay set up on both of these account. I called the company and discovered that I have been being charged these fees since my XXXX statement. The auto pay was coming out each month on the XXXX day of the month but my due date was the XXXX day. 
I did not pay attention to my statements every month so I did not notice the charges and call the company until today. I thought it would be a simple matter to get this corrected and get a refund. 
Not only did Bank of America refuse to refund my money they did not tell me how to make my auto pay date and my due date the same to correct future errors. I feel that I have been cheated. The woman I spoke to XXXX XXXX told me this was my fault and my fault alone because I did not pay attention to my statements. She refused to refund me any money even for the XXXX late fee because the fee was due yesterday. Can you help me? I feel that Bank of America knew that my auto pays were coming out of my bank after my due date for many months and that we are equally to blame therefore they should accommodate me by crediting some of the late fees. They do get there payment every month via an auto pay system that even XXXX admits is antiquated and confusing. XXXX apologized profusely " for the inconvenience '' but refused to return any money or even tell me how to avoid this in the future.
Product: Vehicle loan or lease

I purchased a car from XXXX XX/XX/XXXX. At that time I set up auto pay for my loan. In XXXX of the same year, I started getting calls from my salesperson re : the need for additional bank statements. XXXX is the bank, so I called the bank and they stated they needed no further information. 

I have made no late payments, but they reported me late XXXX of this year due to XXXX XXXX  reversal of all duplicate payments. 

I called numerous times to resolve the discrepancy to no avail. 

Just this month I paid my payment at XXXX. I gave them the account # XXXX, given to me by the collections department this past XXXX where they also had me pay several late payments. 

I learned this month that thst is not my account # at all. My account # is XXXX. 

No payment history has been provided to me as requested.
Product: Credit reporting or other personal consumer reports

XXXX {$340.00} I am writing to file a complaint against XXXX XXXX XXXX  and XXXX XXXX XXXX ( CRAs ) XXXX, Equifax and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.