23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally demand the immediate removal of unauthorized, inaccurate, or potentially fraudulent information from my credit report. The inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ), Privacy Act of XXXX  and other federal regulations. 
Violations Cited Identity Theft and Fraudulent Reporting Under 12 CFR 1022.3, identity theft is defined as fraud using identifying information without authorization. Furthermore, 15 U.S. Code 1681c-2 requires that consumer reporting agencies block the reporting of information resulting from identity theft no later than four business days after receiving : Proof of my identity, A copy of an identity theft report, Identification of the disputed information, and A statement affirming that the information is not related to transactions I authorized. 
Privacy Violations Pursuant to the Privacy Act of XXXXXXXX  and 12 CFR 1016 ( Regulation P ), no entity may disclose nonpublic personal information without : Providing an initial privacy notice un

der 12 CFR 1016.4, Offering an opt-out notice as described in 12 CFR 1016.7, and Obtaining my prior written consent before disclosure. The records included on my credit report were added without proper notice or my written consent, constituting a breach of privacy and federal law.

Conditions for Reporting Under 31 U.S. Code 3711 ( e ) Government agencies or their designees may report information only if they : Ensure compliance with U.S. laws on consumer credit information, Establish procedures to verify accuracy, and Have my written instruction authorizing such reporting.

Your failure to comply with these requirements further exacerbates the harm caused by unauthorized disclosures. 



Thank you for your prompt attention to this matter.
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 dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion
Product: Credit reporting or other personal consumer reports

I got an alert of XXXX out of nowhere.My information has not changed But continually asking me to verify what Ive verified over a dozen times in the last two years, Nothing has changed my information nor my credit profile this is harassment at its finest, and an attempt to continue to have me do unnecessary things out of my day without being paid
Product: Money transfer, virtual currency, or money service

I am currently dealing with an incident with XXXX XXXX XXXX and Wise, XXXX XXXX XXXX 

In the first week of XXXX, I went to the XXXX, MD XXXX XXXX branch on XX/XX/2024 requesting to send an international wire of {$19000.00} to recipient XXXX XXXX XXXX. I went to the branch in-person so I could feel safe and confident that my wire transfer would be submitted successfully with the help of a branch employee. The branch employee who assisted me did not explain that he was going to use WISE, a third party company to complete the wire transfer. He never received for my consent if I wanted to use a third-party company like WISE to complete my transfer. Without my consent, the employee opened a WISE account on my behalf, created WISE login credentials and completed the transfer through WISE, not XXXX XXXXXXXX. I went to the branch hoping to make the transfer with an employee in-person to feel more secure in send a large wire transfer. The large wire transfer was completed through WISE without my consent. I went to the branch a week afterward as the beneficiary stated she still hadn't received the funds. I realized that the unauthorized WISE transfer that was completed without my consent used the incorrect account number. That is why the beneficiary had never received it. The XXXX XXXX employee continued referring me to contact WISE since XXXX XXXX XXXX stated " it wasn't done through us ''. I was upset because my understanding was that it was done securely through XXXX XXXX XXXX  and not a third party company. I have tried multiple times communicating with WISE customer support and XXXX XXXX in-branch employees and have been unsuccessful with any help. I have tried to recall the wire and asked WISE to please return the funds back to me but they are not able to assist and WISE does not give us any answers as to why the wire transfer has not been received. I just want a return on his wire transfer but they are saying they can not refund the money. I went to the XXXX XXXX branch XXXX weeks ago to submit the dispute through XXXX XXXX but the claims department can not assist. 
I am looking for assistance to recall the wire and would like get help getting the money back because of the XXXX XXXX branch employee creating and opening a WISE account on my behalf without my consent.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TBOM/FORTIVA XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX XXXX.I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. there should be an Immediate correction to my credit report, I demand this account be removed from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX XXXX XXXX  XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b )
Product: Money transfer, virtual currency, or money service

The company " Robinhood Markets, INC '' is an extremely popular platform for trading stocks and other financial securities in the US. The have a feature called " instant deposits ''. This feature allows users to have XXXX dollars of funds instantly available for trading when they initiate a transfer of funds from their bank to robinhood. Robinhood makes these funds available before the money transfer is initiated and before the money is withdrawn from bank accounts. Therefor, they allow regular users to trade with XXXX dollars and " gold users '' to trade with up to " XXXX '' dollars without running a credit check or verifying if they have the funds available. It's for this reason I believe that this instant deposits feature meets the legal definition of a loan. If this is the case Robinhood is providing users with illegal loans on which they charge no interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received my XXXX dispute report number XXXX. XXXX XXXX needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and Trans Union as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car has never been late or in repossession status with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, sent me a letter after doing an investigation on my automobile account. I was told by Experian Credit Reporting Agency, to  send in the letter to have the account updated. So I overnighted the letter to Experian Credit Reporting Agency to have the information corrected. At that time Experian and I got on the phone with XXXXXXXX XXXX XXXX XXXX to verify the letter. XXXX XXXX XXXX XXXX verified the letter that it was valid. But, Experian to date has not removed the inaccurate information from my report. Please help me, I am trying to close on my home, but ca n't because Experian has not removed the inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My local bank run a credit report for us to process a loan request, and we found out that there are two accounts listed as sent to " collection agency/attorney ''. These accounts are : 1. XXXX XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$670.00}. 
2. XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$370.00}. 
Neither my husband or I have opened an account with XXXX XXXX XXXX or XXXX XXXX this year or in the past few years. 
Additionally, the credit report list an employer for either my husband or I as " XXXX XXXX XXXX ''. Neither one of us had worked for this employer. 
We presently do not have an account with XXXX XXXX XXXX at all. We have an account with XXXX XXXX which was opened in XXXX and is still active with no late payments ever. 
I believe these two accounts belong to someone else other than my husband or I. I am not sure if due to fraud or similar names. I need the credit agency to investigate these two accounts. I have called both XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX and neither one of these companies can find the accounts listed in this report under our profiles. They stated we would need an account number to help clear out any issue. However, we could not produce an account number as we DO NOT have an account which was opened in XX/XX/XXXX for either of these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in resolving significant issues I have been facing with the major credit reporting agencies that pertain to both the aftermath of the recent Equifax data breach and ongoing improper handling of my credit report details by credit reporting companies. 

**Background : ** XXXX. XXXX XXXX XXXX XXXX ** As XXXX of the millions impacted by the Equifax XXXX breach, I have been experiencing manifold issues stemming from unauthorized activities on my credit report. 

XXXX. **Improper Investigations and Reassertions : ** In alignment with the CFPBs recent lawsuit against XXXX for erroneously reasserting items on consumer reports without following mandatory procedures, my credit reports currently contain accounts that should have been permanently deleted. The reporting agencies have either ignored previous disputes or incorrect behaviors like reassertion without proper notification and validation. 

**Details of the Accounts in Question : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 **Attempts to Resolve : ** Over the past several months, I have pursued multiple dispute channels : 1. **Direct Requests to Credit Reporting Agencies : ** I initially approached the credit bureaus with comprehensive evidence, including personal identity proofs and prior resolutions, requesting immediate removal of these unauthorized accounts.

2. **Violated Rights under FCRA and FDCPA : ** Despite fulfilling statutory requisites and adherence to official dispute procedures per FCRA , these agencies have failed in their duty to delete disputed data appropriately. 

Not only have some erroneous items been retained, but others have been reinstated without prior notification or adequate reinvestigation, aggravating my circumstances amid the suffering credit history from identity theft breaches. 

**Request for Assistance : ** With the Continuous distress caused by these recurring offenses, I am left with no choice but to seek the CFPB 's intervention. My measured requests are : 1. **Facilitation of Proper Investigation : ** I request your assistance in ensuring that credit agencies conduct the requisite thorough and good-faith investigations and eliminate improper data.

2. **Corrective Measures and Consumer Protection Measures : ** Hold credit entities accountable for procedural lapses, ensuring enhanced protections against similar future occurrences. 

Enclosed are all relevant documents, including previous notifications, credit reports featuring the contested entries, and recorded correspondences with the involved credit agencies. 

I am hopeful for your vital guidance and direct engagement with this ongoing infringement upon my consumer rights. Timely closure to such media is paramount for my financial recovery and continuance. 

Thank you for considering my plea for assistance. I eagerly await your positive response.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some cclosed accounts that I did not approve anyone to pull my credit report
Product: Debt collection

I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account listed below. The collection agency sent me a generated bill as debt validation.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

You have not provided me a copy of a contract with my wet original signature to validate I owe the debt. 

Please remove these negative unverified accounts from my credit file. 
CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account
Product: Student loan

Complaint about Navient. After finishing my PhD in XXXX, I entered repayment of my federal student loans this fall. Since I entered repayment, Navient has been unable to tell me how much my monthly payment are from month to month. Moreover, their online system changes the amount I owe day to day. It has also been incredibly difficult to sign up for autopay. Their customer service representatives are entirely uninformed. My payment is due on the XXXX of the month. Because the amount fluctuates on their online system, I have taken to log-ing in on the XXXX to see what I owe in the hopes that since it 's the due date, it will give me the correct amount. However, for the past several months, I have paid, on-time, the amount the system says I owe, only to receive an email the next day saying that I missed a portion of my payment. But if the system ca n't even tell me what I owe and how to pay it, then how can I miss a payment? I have spoke to a representative every single month. They tell me they have it sorted out and tell me what to do the following month. But when I do what they say, is still is n't right! I still have no idea what I owe and how to pay it! And when I pay what I think I owe, based on what their online system says, the next day I find out it was wrong and that the system says I have a past due amount and that I 'm a delinquent repayer!!!! I am just so frustrated. I am doing my best to pay my loans back on-time. I have a job, a good income, and a PhD. I can pay my monthly loan payment -- I just need to know what it is and know how to pay it on Navient 's terrible terrible website. If I ca n't sort it out, then I can only imagine that other folks are having an even harder time. Please do something about Navient. Before the restructuring of the student loan industry, I used to pay my loans to XXXX XXXX? In any case, the system they used then was more straightforward. I never had the problems I am having now -- which also includes an inability to change my repayment plan. It wo n't let me select the plan I want, but rather ushers me into specific options. Despite doing my absolute best to pay my loans on time, every month, Navient seems structurally organized to confuse and disorder the payback process. Either from ignorance or from willful dishonest practices, they have acted in ways that make me concerned about their ability to handle my federal student loan and that make me worried that they are intentionally trying to mess up my payments so that they appear late each month.
Product: Credit card

I own a small company that has been using American Express credit cards to pay for court filing fees for our clients for over XXXX years. My accountant received a call yesterday from Amex stating that they were reducing our limit from {$280000.00} per month to {$50000.00}. I joined the call and spoke with several managers ( all recorded ) and was told the reduction would take place in XXXX hours, that I could appeal but it would take XXXX days after I compiled the information they require for them to make a decision, and that there was no other options. I asked if they had planned to notify us by mail and they stated a letter was going out that day ( yesterday ). When I asked why they decided to reduce the credit limit with almost no notice I was told we had been late on XXXX payments. I reviewed both payments with them and provided statements from their system that our payments had in fact been made early, not late, and that we had not been late on these or any payments in the past. We are require by the courts to pay for most case filings with a credit cards ( eFilings ). This is a service that we provide to our clients and in most cases the filings are timely and must be filed promptly to meet filing deadlines. Because we were only given XXXX hours notice, we will be informing our clients that we will not be able file their cases until I am able to secure a different credit card with a high limit or get the appeal settled with Amex. We will also see our credit score drop dramatically because the reduction in the line will cause our loan-to-available-credit ratio dramatically increase. I believe this act should be considered Unfair, deceptive, abusive acts and practices as defined by the Dobbs-Frank Act. Had we been given enough time to respond and appeal prior to the massive reduction taking place, the chances of loosing a large client would have been far less. As it stands now we are scrambling to find a new solution and to compile the financial information requested by the underwriters at Amex.
Product: Credit card

My name is XXXX XXXX, I filed an arbitration against IC Systems, however, I have received a notice from the XXXX XXXX XXXX, informing me that XXXX XXXX XXXX XXXX failed to comply with the XXXX policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with XXXX XXXX. This means they are not only in breach of contract with me but with every other account, XXXX XXXX is servicing. 


I am requesting the XXXX XXXX XXXX launch a class action against XXXX XXXX on behalf of all other consumers. 
This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting
Product: Payday loan, title loan, or personal loan

An Unauthorized payment from my account by 1st Franklin Financial Corporation in XXXX, XXXX Basically fraud. A payment was issued from the company without permission. In XX/XX/XXXX, I made authorized a payment on behalf of my cousin XXXX XXXX living in XXXX XXXX, GA over the phone. I confirmed it would be a one time payment and that my information was not to be saved on the account. Yesterday, XX/XX/XXXX a charge appeared on my account from the company for my cousin 's account. I informed her of the pending transaction and she assured me she had called and gave her card number for the payment. She called 1st Franklin to make them aware of the error and stated that T**** the representative said it can not be corrected or reversed back to my account. I also called the company and was transferred to T*****. The male person that answered said I had the wrong number. The amount of {$190.00} posted to my account this morning. This is fraud. It was not authorized and they stored my information. So basically they have my account information to do what ever they please with it. To say they will not correct the mistake or if it was on purpose should be illegal. Now I have to pay my bank to attempt a dispute for an account THAT IS NOT EVEN MINE to begin with. I need someone from the company to contact me ASAP. I did not give authorization for the payment on XX/XX/XXXX only the previous payment in XX/XX/XXXX where I called myself to the XXXX, GA location. My cousin also tried to have the payment reversed because they also completed the payment from her card, so they have two payments - one not authorized. My personal information has been illegally compromised. XXXX / XXXX
Product: Debt collection

Portfolio Recovery called me at XXXX in the XXXX on XX/XX/2023. I didnt answer. Portfolio Recovery called me at XXXX in the XXXX on XX/XX/2023. I didnt answer. I have lived on the west coast for nearly 4 years which is in the Pacific Time zone.
Product: Debt collection

I been calling Home Depot since XX/XX/2020 to paid this collection. I'm in the process of escrow to purchase my new house and the lender denied the loan because this account shows on my credit report. I'm frustrate my intentions where to paid this old collection. this account is shown under XXXX/CBNA XXXX phone number XXXX XXXX XXXX my contact in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX cell XXXX XXXX.