23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Checking or savings account

On XX/XX/year>, I was supposed to receive my direct deposit into my Capital One checking account. Now it's XX/XX/XXXX, my official payday and I still have not received the funds that my employer deposited. Capital One has issued a statement saying they are experiencing technical issues, but they have not provided any clear indication of when this matter will be resolved.
Product: Mortgage

My mortgage is serviced by XXXX XXXX XXXX  - Loancare. I purchased my house in XXXX, have never missed a payment, and have put significant investment into the home, and there has been an increase in overall value in the surrounding area. When I took out the mortgage we only put 10 % down and then invested cash into the home to improve it, so we are paying PMI on our loan. After significant improvements, and the increase in value of comps sold in our area, we requested to have PMI removed in XX/XX/XXXX. After numerous delays and after me calling into their customer service over 10 times, I finally had an appraisal set up through the Mortgage company 's required appraisal company, that we had to pay for personally. 

The appraisal finally took place in XXXX and came in much lower than anticipated, which was obviously a shock to us. Since the number was so much lower than any other comps in our area, I paid another appraisal company to review the appraisal and conduct a new appraisal on the property. That appraisal came back much higher and where we were expecting the first appraisal to be, and the company highlighted numerous errors that submitted on the previous appraisal. 

After submitting the new appraisal to the mortgage company, along with a letter outlining the errors in the appraisal they provided, they are simply not responding and not moving forward with removing the PMI that I have requested in writing no less than 5 occasions over the past 2 months. This leads me to believe they are paying an 'exclusive ' appraisal company to value their properties much lower than their actual values in order to keep forcing their customers to pay PMI, even with loan to value ratios that are above the HPA required 80 %. This is fraud on a widespread level, I'm submitting this complaint to the CFPB in order to demand action be taken, however my next step will be small claims court.
Product: Credit card

XX/XX/year> I saw 2 debits on my account from XXXX of {$180.00} and {$6.00}. I called right away to report this to the bank and they block my card and sent me a new one. A few days later, I started getting the packages from XXXX. That meant someone knew my home address. I reported to the police and filed a case. I called XXXX, I provided the order number and they clearly saw and stated that the account was fake. They said they will file a complaint to fraud department, they also said to discard the items. A few days after XXXX, my bank gave me another credit for the same thing, so I called and reported the double credit. They reversed on XX/XX/year>. In the meantime I kept receiving packages from XXXX. I called every single time and they gave me the same exact answer. When I thought that everything was done, I received a letter from my bank stating they denied my claim of the biggest transaction {$180.00} but the smallest one the said it was fraud ... That was weird. I went to the bank in person, they told me XXXX provided proof of delivery on my house. Of course they did! Whoever stole my debit card information, got my home address as well. I reported to XXXX numerous times. So, my bank left me alone and did not fight for this. They told me to call XXXX, so I did, AGAIN. I spent an hour and a half on the phone with XXXX. A supervisor gave me the information of the fake account, clearly a made up name and made up email address and a phone number that does not exist. So, I said to him, why you did not tell my bank this was fake? And he read the report stating that the account was fake and my identity was stolen. Apparently my bank did not care at all. I went to the bank AGAIN the next day, with all the proofs, police report and everything. They basically said : XXXX you. I called XXXX AGAIN and the said the same thing. I read my rights, and I should not be financially responsible for this. I want my money back and my bank to stand up for me and refuse to pay to XXXX. I have proofs of everything if needed. I also reported XXXX to XXXX. 
Now my first claim was denied AGAIN. I called XXXX and I recorded the phone call were the employee stated no one ever closed the account and reported it as fraud. However he now did it. Please ask XXXX to show the phone call made today. I have recorded the phone call if needed to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters over 30 days the company have failed to respond also the company is in violation of many federal laws. I did not give written consent for these inaccurate items to be placed on my credit report. 15 USC 1681. I have submitted my FTC report and company had failed to acknolegde that fact that this is an violation that shouldn't be taken lightly. This is a violation of section 605b fcra.
Product: Credit reporting

I was unknowingly and illegally billed by Experian credit monitoring for over 18 months. They refuse to refund the money while admit that I have never logged into the services. When asking to speak to a supervisor or compliance officer the request was refused. I have been unknowingly charged over {$500.00} in small increments over time and it is apparent that this fraud is rampant. Upon further pressing, the representative said I needed to write to the consumer relations office and physically mail the complaint to a P.O. Box. They would provide no phone, fax or email address. This is a clear attempt to make complaints challenging. 

When you call Experian the first option on the phone is to cancel the account. It is clear this is the case because of the high volumes of people calling to cancel unwanted or unknown services they are being illegally charged for. This is a terrible way to make profits on victims, not customers. As I have never once used the service, I deserve a full refund. This is very similar to XXXX, opening unwanted accounts without their victims knowledge. 

There is great irony in a supposed credit monitor service actively and knowingly committing fraud on consumers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Product: Checking or savings account

My father XXXX XXXX XXXX died XX/XX/2021 his account was compromised by several individuals. My fathers debit cards, credit cards were obtained and his entire account was cleared out. Lines of credit were taken out, credit card balance transfers were also done. My brother XXXX XXXX and I are the only next to kin. I had my brother appointed Executor of my fathers estate. We told Navy Federal that our estate didnt authorize any changes or charges that took place with my fathers account. A Estate account was set up in my fathers name through Navy Federal, despite the identity theft done on the account Navy Federal never changed the account number to stop to fraud when we went into the branch and set up an Estate account.

Navy Federal only changed the name of my fathers account to the Estate of XXXX XXXX XXXX My father also has mortgages with Navy Federal and the company is aware that the address was changed to a location in Georgia . We have told Navy Federal several times our Estate didn't authorize any changes or payments. Navy Federal did nothing to correct this, instead the company lied saying my father had multiple loan balances that were obtained after he died. When we went inside of Navy Federal last year we weren't given all of his statements despite them being provided with all the documentation. After the money was taken out of the account, this individual would call and make third party payments on the mortgage. Our Estate did not authorize a transfer of XXXX that was the remaining in the checking account to be transferred to the credit card account that had also been compromised for months. Navy Federal needs to do a full investigation and go after XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX ) has reported a charged-off account to credit bureaus without proper validation. I requested debt verification from XXXX ( the collection agency handling the account ) but have not received adequate documentation proving they have the right to collect. This has negatively impacted my credit score, and I am requesting CFPB intervention to have the debt properly validated or removed if validation can not be provided.
Product: Debt collection

I found out that the company XXXX XXXX XXXX XXXX that financed my vehicle was involved in a Class Action lawsuit with XXXX. I received a postcard staying I was included in the lawsuit and would receive but not limited to loan forgiveness, defienciency waiver, and/or monetary payment. This debt was purchased by a collection company XXXX XXXX XXXX XXXX XXXX was also sued and shut down for unfair practices in loan collections. I was sued by XXXX XXXX XXXX who used law office Finkelstein, Kern, Steinberg and Cunningham to collect on the debt. I recently furnished the law offices all documentation showing the lawsuits and how I was part of the settlement and also Notified them that XXXX XXXX XXXX closed down, which no notification was sent to me yet they continued to collect payments from me. Now they're saying I still owe the debt and another company bought it from XXXX. I haven't received any paperwork from this new collection agency and I've disputed this debt due to the judgement of the class action lawsuits.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX, florida, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX, XXXX, fl XXXX ] [ XXXX XXXX XXXX, XXXX, Fl XXXX ]. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current addres
Product: Debt collection

Viking Client Services ( VCS ) contacted me on XX/XX/XXXX for vehicle damages incurred on XX/XX/XXXX, three years after the fact. VCS requested " {$850.00} '' in reimbursement yet none of the supporting documents ( see attached ) indicated how or where the amount was derived from. 

Additionally, any vehicle with a current Florida registration must : be insured with PIP and PDL insurance at the time of vehicle registration. have a minimum of {$10000.00} in PIP AND a minimum of {$10000.00} in PDL. Vehicles registered as taxis must carry bodily injury liability ( BIL ) coverage of {$120000.00} per person, {$250000.00} per occurrence and {$50000.00} for ( PDL ) coverage. See Florida Statutes XXXX. The amount requested is covered within the required state policy. 

This is a nefarious attempt by VCS to extort unwarranted money.
Product: Checking or savings account

On XX/XX/2021 XXXX XXXX denied me access to my account. The PenFed 's website gave me an error message that I am including in one of the attached files. 

While it is understood that XXXX XXXX system may experience technical difficulties once in a while, it is expected that the company should keep track of the issues, identify the causes of the problems and attempt to resolve them in a timely manner. 

When I reported the problem to PenFed, its representatives denied that their website was not functioning properly and claimed that it was my browser that was having the issues. 

I requested PenFed to provide any evidence that they may have supporting their claim that all my we browsers on all of my devices independently were having problems at the same time.In response PenFed has not provided any evidence and only speculated that the issue was with my browser. 

In response to my complaint PenFed requested that I, in my free time, perform a burdensome task of a Quality Assurance Engineer of gathering technical details of the incident and spent time on the phone with them assisting their employees in identifying their problem and refused to acknowledge that their company website was having the problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

I want to formally share my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit that exposed major problems with the platform. Despite using Zelle multiple times and reporting issues, both my bank and Zelle failed to properly investigate my claims. They told me that recovering lost funds was not possible and that tracking these transactions couldnt be done. The CFPBs findings suggest that Zelle hasnt done enough to protect consumers and has allowed repeat offenders to take advantage of the system, putting users at risk of scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

What Happened : I disputed a fraudulent account with Experian that was added to my credit report by XXXX XXXX XXXX, claiming it originated from XXXXXXXX XXXX XXXXXXXX XXXX. This account, with a balance of {$1400.00}, was not authorized by me and was a result of identity theft. 

On XX/XX/XXXX, I submitted a formal dispute to Experian along with the following documentation : An FTC Identity Theft Report, confirming the fraudulent nature of the account. 
Supporting documentation, including proof of my identity and address. 

Experian responded on XX/XX/XXXX stating : My request to block the account was made in error. 
My request was based on material misrepresentation. 
I knowingly obtained goods, services, or moneys from the disputed account. 

These claims by Experian are entirely baseless and unsupported by any factual evidence. My request was valid, and I provided all necessary documentation under the FCRA ( 15 U.S.C. 1681c-2 ), which requires Experian to block fraudulent accounts if I provide proof of identity theft. Experian failed to investigate the matter reasonably, ignored my documentation, and arbitrarily denied my request without explaining how they arrived at their decision. 

Experians response violates the Fair Credit Reporting Act ( FCRA ), particularly : 1. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : Experian did not adequately review the documentation I submitted and relied on unsubstantiated claims.

2. Failure to Block the Fraudulent Account ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information when provided with a valid Identity Theft Report, which I supplied.

3. Failure to Notify Me of Adequate Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experians vague and dismissive response does not satisfy its obligations under the law. 

This issue aligns with the CFPBs recent lawsuit against Experian, which alleges systemic failures in its dispute handling processes, including ignoring evidence provided by consumers and over-relying on furnishers responses.
Product: Payday loan, title loan, or personal loan

I borrowed {$600.00} to get my through until I graduated. They are charging me 600+ % and I went along with it for a few months because I had no choice. I have requested twice to cancel the loan and pay the principle with no response and they keep charging my bank account that is trying to close with no option of cancelling it online. I have no way of viewing my documents online so I can switch it out to another lender or pay it off.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted information via Certified mail to Equifax and my dispute is not complete. Per 15 USC 1681c-2 ( a ) the information disputed was to be deleted from my report in four business days. The same accounts being disputed have been removed from XXXX report completely, so per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Equifax is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. Equifax responded to my last CFPB complaint ( XXXX ) with a STALL statement saying " So that we can process your request and verify your identity, please send us a letter with your request and include your full name, any former names you used recently, current address ( and former address if at current address for less than two years ), and date of birth. You should include documentation to verify your identity and address ( for example : drivers license and pay stub or utility bill ).

Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX XXXX XXXX '' ALL OF THIS INFORMATION WAS ATTACHED TO MY LAST CFPB COMPLAINT ON XX/XX/XXXX AND COLSED XX/XX/XXXX WITH THIS EXPLANATION WHICH IS UNACCEPTABLE WHEN THEY HAVE THE REQUIRED DOCUMENTATION. I spoke with several representatives that said they received the info and it will be deleted, which is contrary to the CFPB response from Equifax.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX has been relentlessly harassing me with phone calls at odd times in the night as well as weekends for the last 2 years. They have consistently used derogatory language and have talked down to me on more than one occasion by threatening defaulting/potential legal action. 

Also, I set a payment amount/date of {$300.00} on XX/XX/XXXX to be taken out on XX/XX/XXXX but they went foreward and took out {$300.00} on XX/XX/XXXX. I tried calling them and emailed them the issue but no response. They also harass me via text and have somehow found my work cell phone number as well. Very predatory behavior and I don't know which way to turn