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

I am filing a formal complaint against Experian regarding their refusal to conduct a proper investigation into inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I disputed the inaccurate and incomplete information on my credit report, specifically the reporting of a bankruptcy. The bankruptcy record listed on my credit report lacks proper verification, as it only displays the court name, reference number, and filing date. Under the FCRA, any negative account being reported must be 100 % accurate and verifiable.

To verify my identity, I enclosed copies of my government-issued ID, Social Security card , and proof of address. Despite these efforts, on XX/XX/year>, Experian responded via email, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Experian 's refusal to conduct an investigation directly violates my rights under the FCRA. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed information.
Product: Checking or savings account

I am a XXXX XXXX XXXX lady who is on XXXX and the victim of ID theft to boot. Regions bank is robbing me blind. Instead of charging me a one time overdraft fee and covering my item then holding their money out on the XXXX, they're playing games with me and what little money I have. I get XXXX a month and XXXX XXXX is taking 10 % of that back saying they overplayed me, that leaves XXXX a month. My rent was XXXX and my full coverage insurance is XXXX so that only left me XXXX dollars a month to eat and live on. Because of the ID theft I did away with the debut cards and resirted back to checks, except that's worse. Now they charge me the XXXX dollar fee, and send the check back, 3 times. In the end I'm paying XXXX in overdraft fees and plus XXXX ir XXXX wherever I have to pick up the check at plus the price of the check. Ow I owe over XXXX in insurance in XXXX and the bank has XXXX XXXX XXXX in the minus, add my phone bill of XXXX and I'm screwed.. I'm already living in my car because of the way they are playing with my money.. I'm drowning here with no one to help me. How is this even close to fair? I have now threw away my checks also and only go to the bank which makes it very inconvenient because I should be able to access my money 7 days a week just like everyone else. I'm extremely stressed about this. Which is a no no because I have a brain XXXX and could have a brain bleed and due any second
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of  a hundred and twenty  days
Product: Checking or savings account

I filed a dispute with TCF National Bank on XX/XX/2019 due to fraudulent charges on my account. Someone had hacked into my checking account and stole {$600.00}. They accessed the money via XXXX and charged my account {$20.00}, 30 separate times in total transactions. I filed a police report with the fraudulent charges as well. TCF National bank advised that the dispute was closed in my favor, and that they would credit my account the balance that was withdrawn from my account without consent. First, they advised that the funds would be restored to my account. Then they indicated that they had a new policy put in place and needed to send out an official bank check for the amount. I was advised on XX/XX/XXXX that a check was processed and sent and that I should receive it within 7-10 business days. I called on XX/XX/XXXX because I hadn't received a check as of that day, and then was advised that it was cut on XX/XX/2019 and it would take an additional 7-10 business days to be delivered. I called TCF customer today, XX/XX/2019, as I still have not received the check, and they advised that they do not have a date in which the check will be cut because they are being pushed back. I just want my money back that they advised they were going to send to me.
Product: Credit reporting or other personal consumer reports

today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXXXXXX took it upon themselves to change my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all three of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX  gave me the run around as well as all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. 

That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

my student loans were originally thru XXXX XXXX they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, navient, and federal student loan website. XXXX XXXX says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to XXXX XXXX, which they didn't accept for proof of pay off.
Product: Vehicle loan or lease

I co-signed on an auto loan with Santander ( SCUSA/GATEWAY ONE ), I had to co-signed since my boyfriend at the time was what banks label as high risk borrower, however Santander accepted to finance the vehicle as long he gets a co-signer and with a little higher interest rate. Unfortunately, the loan became impossible to pay, base on our calculations 95 % of the monthly payments went to the interest and not to the principal, me and the cosigned had to stop making the payments and the vehicle was repossessed, sold and the finance company is collecting a deficiency balance. A few weeks ago, during a web search, I found there us a coalition of multiple attorney generals who recently announced a settlement with Santander Consumer, this settlement includes money in relief for the consumers and deficiency waivers. I found this settlement resolve a lawsuit that Santander violated consumer protection laws by exposing subprime consumers, high risk borrowers, to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with high probability of default. I really think my loan is part of this allegations against Santander since they put us in an extremely high risk of default with an incredible high interest rate. 
I contacted the settlement administrator and they asked me to contact Santander, I did but every time I contact them advise me, I will get a letter or notifications in my mail, but they HAD never looked for my account ; so, there is nowhere to go.
Product: Checking or savings account

On XX/XX/2023 at XXXX, a direct deposit from my job was deposited into my account for the amount of {$930.00}. This same day, I attempted to use part of the funds to pay my rent and notified my account has been frozen. I contacted cash app support ( via the chat portion of the app ) at XXXX the very same day and informed them of my account being frozen and would like to know why. A rep got back to me at XXXX, stating I would need to submit several documents to have my account unfroze. They informed me, once this was completed, they would get back to me in 48hrs. I submitted all my documentation that very day. After 48hrs on XX/XX/XXXX, I called customer support and was told it would now be 10 days until special Teams could review my case. When asked why my account was frozen, I was told they could not give me a definite answer. I explain to them the severity of my situation, and how I need access to my money in order to pay my rent and buy food for my family. I was told there is nothing they could do. On Tuesday XX/XX/XXXX I recorded this message via email Hi XXXX, Looking at your account, I can see that the suspension on your account has been resolved before I was able to respond. Im so happy to see that all is solved!

Thank you, Cash App Support I checked my account and my funds were still frozen. I reached back out to support on the XXXX at XXXX to inform them of the email and not having access to my funds. I was given no explanation as to why this email was sent but was instructed to re submit all the previous documents submitted on the XXXX and to allow 48hrs for them to process. I contacted customer support today, XX/XX/XXXX ( 48hrs later ) to inform them my funds were still frozen and that I have not been able to pay my rent or buy food because of this and was told they did not have an answer for me. My funds are still currently frozen and I am not getting any assistance from cash app as to why this is or when my funds will be available to me. Im in danger of losing my home and have no food in the home that I share with my XXXX XXXX  children
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.
Product: Credit reporting or other personal consumer reports

XXXX has filed an FTC report for Identity Theft for data breach of my personal information being stolen in a XXXX XXXX data breach of multiple consumers personal information. Account is not mine but showing on my credit report of 3 bureaus, XXXX, XXXXXXXX XXXX Consumer is ordering LVNV Funding account number # XXXX to be deleted within 4 business days from alleged creditors LVNV Funding LLC data based, and not report it as confirmed to all 3 credit bureaus pursuant to Fair Credit Report Act section 605 ( b ). Also, alleged creditors is to not report and do not have consumers XXXX XXXX permission to report any alleged accounts and personal name to there data base to there portal to reflect on any credit bureaus data base because this is in violation of 15 USC 1681 ( b ). In closing XXXXXXXX XXXX is violating consumers consumers rights because there was no Knowingly formal agreed contract I entered in with LVNV Funding LLC. These are assumed contracts with my name and personal information on without the consent of Mypersonal information attached to this account alleging I owe a debt.
Product: Credit reporting or other personal consumer reports

I disputed multiple credit card accounts being listed on my credit profiles with XXXX, XXXX, and XXXX, I have not to this date been mailed any documentation of these accounts in fact being mine and I believe the information to be incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting late payments to XXXX and Transunion. For some odd reason, XXXX is furnishing information that is incorrect. This company has been under scrutiny for not applying payments to consumers accounts correctly as well as many other FCRA violations. On XXXX XXXX, 2017, the Consumer Financial Protection Bureau filed a suit against XXXX alleging that the servicer hurt borrowers by providing bad and sometimes false information, not processing payments correctly and not taking appropriate steps to rectify situations when borrowers brought up these complaints. I was affected by this and the late payment reporting XX/XX/2017 is incorrect. I was never late, and this account needs to be updated immediately. I am not asking for the account to be deleted but I am asking for the late payments to be removed immediately or I will move forward with filing a statement of claim against your company for clear and obvious negligence, FCRA violations, and mental anguish because your company has caused me serious financial problems, distress, and loss of credit opportunities. Please see the attached credit report and update to paid as agreed, never late. XXXX has since deleted this erroneous error, and I am requesting that XXXX and Transunion follow suit.
Product: Money transfer, virtual currency, or money service

I transferred XXXX $ from my account in XXXX to my account in XXXX since XX/XX/XXXX, and till now didnt receive it. I knew from the XXXX transaction reference that it passed through intermediary bank which is Deutsch XXXX XXXX XXXXXXXX. I tried to call the wire transfer department within Deutsch Bank with no answer for more than 3 days ( customer service always transfer me to wire department ). When I checked with XXXX if they can trace the transaction, they told me that they can not see this amount in the incoming transactions and told me that it is most probably still on hold in the intermediary bank. The sender bank in XXXX ( XXXX ) assured me that the amount is on hold in the intermediary bank as well and told me that they were asked for additional information by the intermediary and answers were provided on XX/XX/XXXX. So, I kindly request that the intermediary bank dispatch the amount to my receiving account in XXXX as there is no reason for this long hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim if Identity theft, which i have notified all 3 Bureaus  previously. Again I am sending a copy of my driver license and my social security card along with my proof if address nad FTC reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Equifax Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the XXXX was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : XXXX XXXX XXXX**** Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX  ***** Opened Date XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX ( XXXX  XXXX XXXX  XXXX XXXX  ) ***** Opened Date XX/XX/XXXX Balance {$790.00}
Product: Student loan

I have contacted the American Education Services and spoke with 3 separate representatives to try and receive help on lowering my high repayment amount before it fell past due ( {$420.00} ). The first representative told me I need to apply for a Loan Modification application to be approved but I had to pay {$25.00}. Once I did that they could not provide me with a confirmation number or any information. They kept telling me someone will get in contact with me, they didnt have the information. So I tried to speak to another rep that same day, who told me that they saw the notes on my account and the last representative did not process the request correctly and that I would be denied because my account was current. I needed to wait until it was past due and contact a different servicer they use to apply. So I waited 3 days past due date, called the number they provided and was told they dont service that loan and had to contact American Education Services again for the correct information. So on XX/XX/2021 I contacted AES for the 3rd time, asked of the Coranado contact information and was told they dont have a number for them but they are able to process request but because I was previously denied she wouldnt be able to do it again. She proceeded to tell me I can look up their contact information myself because she didnt have it. So I spoked with 3 reps that all said 3 different things, and am now left with a late payment that will go on my credit and no options for help too at bare minimum lower the payment amount. 

Furthermore I would like to address that this loan is from The XXXX XXXX XXXX XXXX that is no longer open ( my degree is no longer valid ) this school was sued by the US Government and want to seek help on if there is an option to discharge this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used equifax website to initiate credit freeze approximately 6-9 months ago. I received a letter shortly after telling me that they needed more ID sent certified mail to initiate the freeze. I never sent the information back to them. 
This week I was informed by a bank that I would like to open a CD account with that I do have a freeze on my account and they needed me to unfreeze it to check my credit and open the CD account. I called equifax they told me to open a lock and alert account, which I did, but can't log into-they say there having tech problems.
Product: Money transfer, virtual currency, or money service

Fake cash app number at the top of XXXX tricked m3 into clicking a link that he used to take all my money. XXXX on one account XXXX on another account these are close estimates of total amounts the real numbers are in the attachments He linked and disabled my notifications to my emails and my phone he removed and put his. 
Every deposit I made he used to purchase bitcoin. He spent my kids XXXX money my rent my car payment my wife 's car payment. He devastated my family. I contacted xash app when I noticed an issue on XX/XX/2020 he had been linked and stealing my money since XX/XX/2020. I contacted casb app. They proceeded to give me the runaround for months until XXXX they said to me if i would have told them within 90 days I would have gotten my money back I did message them within 90 days as u will see in my evidence. I contacted XXXX XXXX XXXX and cash app emailed me and said they would not talk to me only law enforcement so here I am
Product: Debt collection

To whom it may concern : Americollect has been a long term collection agency that holds several medical negative accounts on my credit report. They have issued a judgement that had been documented with the clerk of courts, however they wish to garnish my wages from a company entity that I do not work for. In addition, I have attempted to pay my lowest amount by providing payment as well as filing number. I wish to see confirmed invoices and amounts due to the original creditor ( XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX   XXXX  XXXX XXXX ) being under investigation for inaccurate billing procedures and duplicate invoices. If americollect purchased said invocies from these original creditors I wish to have all unpaid or delinqant accounts formally verified and documented via written disclosure in case of further dispute efforts. I will copy this complaint and mail to americollect for communication purposes. 

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

I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion and XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.