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

It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Debt collection

I received a call this morning at approximately XXXX am est from Wellsfargo trying to get a payment on my account. We worked out a plan for making a payment and catch up and the gentleman was very courteous and helpful. However, when we went to set up the payment I don't have my checking account information on me and he said he pulled it up and I had a lot of money in my accounts. I made the Assumption he was talking about my daughter 's account which has around {$800.00} and she is saving for a car and also has my name on it because she is only XXXX. Then he said I had a second account that had {$25000.00} in it. I was very confused I definitely do not have an account with that much money in it. So I questioned him and found out that it was my mother 's account and I am listed as a beneficiary. 
My concerns are : 1. I am not an owner on this account and was given personal private information which my mother did not consent to. 
2. An offer was made to take my payment from an account that I did not own which I believe is stealing.
Product: Student loan

This company has taken my 2017 tax refund and no longer has this acount why did they take my refund and why are they reporting incorrect information on my credit reports these are fraudulent acts that this company are doing to consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 4 hdispute claims with Experian regarding an account with XXXX for {$90.00}. I made a settlement payment to the collections conpany on XX/XX/XXXX and I provided documentation of the payment and a screenshot from XXXX 's app showing the posting of my payment to Experian 3 times. However, eash time my dispute has been completed stating that the company, XXXX, states that the account information reported on my credit report is accurate, which is fraudulent since I have proof that paymement was made and acknowledged by XXXX.
Product: Debt collection

I had an account show up claiming opened in 2018 at a Lendmark. The account was never authorized by me or paid by whomever opened it. Once I found out about the account, I visited the Lendmark location, provided all the things they asked for, filed a police report, had signed affidavit forms notarized and they advised this would be corrected because the camera recording they had was not me. They even told me someone was calling in each month saying they were my family or POA without any documents and saying I had died. Nothing was removed, instead they begin to try and have me settle and pay something on this debt they knowingly gave to someone in my name that was not me and communicated with another person regarding the account, knowing that it was fraud. It has been removed from all reports except XXXX. This has given me great trouble with gaining loans to finishing obtaining my XXXX XXXX and I have continued to try and get this resolved. The dispute with only XXXX has been denied over and over.
Product: Credit reporting or other personal consumer reports

I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by transunion. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. 

I have identified inconsistencies in this account information across the reports from the three major credit bureaus, These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action. 

Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score. 
2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the XXXX major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information bytransunion, which further underscores the lack of accuracy and FCRA compliance. 

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. 
XXXX v. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of XXXX XXXX and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA. 
These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was charged {$5700.00} for a furniture purchase in XX/XX/2022 that was never delivered. I asked the my credit card company, TD bank, to reverse the charge on XX/XX/2022 after I received information from the vendor regarding my unfulfilled order that I knew to be false. I received a letter from the credit card company saying a temporary credit would be issued and an investigation initiated. Because no credit was issued, I requested the reversal again on at least two occasions and received written notice at least two more times that a temporary credit would be issued and an investigation commenced. Despite repeated calls to the credit card company, and despite providing them with complete documentary evidence pertaining to the vendor 's failure to deliver, no credit has been issued, nor have I received any information from the credit card company as to the status of my dispute. More than three months has elapsed since I initiated the request for reversal of the charge. I have called the credit card company as recently as XX/XX/XXXX to inquire as to why there has been no credit issued nor, I suspect, and investigation commenced. I have not received a credit to my account nor any information as to the status of the investigation, despite over two billing cycles/ 90 days elapsing since I requested the credit and investigation of the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts reporting on my credit profile and I have no idea what they are! 2 XXXX, and 1 XXXX Accounts. I have never did business with these companies. I contacted Experian and advised them that I was concerned about these accounts they are reporting and requested that the accounts be investigated and validated. My first attempt at this was XXXX, and to date keep getting a response that these accounts are verified as mine but no proof has been provided. I even reached out the the both XXXX, and XXXX in which XXXX responded with some type of bill and said the original creditor validated the debt. I then provided this information to Experian thinking they would resolve the issue because XXXX did not provide proof of validation as stated in the FDCPA and the FCRA. XXXX never responded at all! At this point I dont know what to do and how to get this resolved due to Experian not taking the time to investigate and correct the reporting of these accounts. I contacted the other Bureaus in which they removed the accounts immediately, I cant quite understand what information Experian has that the other bureaus doesnt.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

Bonneville debt collection has called twice ( about a week ago and today XX/XX/2021 ) leaving a message but no detail other than a callback number. I don't have any unpaid debts and when trying to call the number they provide, you just sit on hold in a queue for over an hour. No one answers. Considering this isn't my debt, this is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Report : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

Was charged a late fee when payment was completed on my end prior to the due date of XXXX. This happens every time my due date is on a weekend.
Product: Vehicle loan or lease

I PURCHASED MY VEHICLE XX/XX/2019, I WENT THROUGH XXXX AND HOT WATER TRYING TO GET MY CAR. THE FINANCE MANAGER SOLD ME A 5 YEAR EXTENDED WARRANTY FOR MY CAR. XX/XX/XXXX I STARTED HAVING ISSUES WITH MY CAR AND I CONTACTED THE WARRANTY COMPANY AND I WAS TOLD THAT I ONLY HAVE A 2 YEAR WARRANTY. I PULLED OUT MY PAPERWORK TO REVIEW ALL OF MY DOCUMENTS AND I NOTICED THAT NEITHER WERE THE ORIGINAL PAPERS AND THEY ONLY GAVE ME COPIES UPON THE DELIVERY OF THE VEHICLE. I HAVE CONTACT XXXX XXXX XXXX XXXX XXXX IN REFERENCE OF THIS MATTER AND NO ONE HAS CONTACT ME BACK AS OF XX/XX/2019. I TALKED TO MRS.XXXX MY CAR SALES PERSON AND SHE SPOKE TO XXXX THE OTHER FINANCE MANAGER BECAUSE XXXX WAS OUT SICK AND THE FIRST THING THAT HE STATED OUT OF HIS MOUTH IS THAT THEY DO NOT COVER ELECTRICAL ISSUES AND NOT ONE TIME I SAID ANYTHING ABOUT AN ELECTRICAL ISSUE, AFTER THAT I HAVE BEEN AFRAID TO PARK MY CAR IN THE GARAGE BECAUSE AFTER DRIVING MY CAR THE ALARM WILL SOUND OF AND REPEAT EVERY OTHER HOUR. MY NEIGHBORS HAS FILED A COMPLAINT WITH THE HOMEOWNERS ASSOCIATION AND IT IS  EMBARRASSING. I PAID XXXX FOR THE WARRANTY AND THE PAPERWORK THAT HAS MY SIGNATURE STATES EVERYTHING AND THE PAPERS THAT WAS DELIVERED TO ME DO NOT HAVE MY SIGNATURE. I HAVE ALL OF MY CONVERSATIONS RECORDED TO BACK UP EVERYTHING THAT I AM STATING AND I JUST WANT TO GET THE MATTER RESOLVED ASAP.. 

XXXX XXXX XXXX XXXX XXXX XXXX reviews XXXX dealer in the XXXX XXXX, Georgia Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX You visited in XX/XX/XXXXHours : Open Closes XXXX Phone : ( XXXX ) XXXX PLEASE HELP ME WITH THIS MATTER.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ). Specifically cash app failed ro rake 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 electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial lost and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I Have 6 Hard Inquiries On My Credit Report That Were Placed There Fraudulently.
Product: Checking or savings account

I had a check stolen from the mail in XXXX, 2023 that was then altered and cashed at XXXX XXXX XXXXy the person who stole it. The check was very clearly a forged endorsement, because the person who signed the check did not even sign the same name as the payee that I had written ( and which they did not bother to change ), so Im not sure how they were even allowed to cash it. It was cashed electronically. At the advisement of Chases fraud department, I filed a forged endorsement claim and faxed the appropriate paperwork and information. I had to call multiple times to ensure that this claim was being processed, but then about a month or two later I was informed that the claim I was supposed to file was an altered check claim. I then changed the form to altered check and faxed it to the department. They did not receive the claim. I tried several times to fax the form, each time from a chase branch with the help of a chase employee. No one informed me that the reason it was not being received was because I needed to write the claim number on every single page. After another month or so I was finally able to fax my claim properly with the claim number, and I called the fraud line and they confirmed that they received the proper paperwork. I then received a letter in the mail about two weeks later saying that they did not receive the paperwork. They are now telling me that I need to fax it again. It is currently XX/XX/ 2023.
Product: Credit reporting or other personal consumer reports

The inquiries and inaccurate accounts unconstitutionally jeopardize interstate commerce which is a constitutional violation hindering the ability to execute remedy provision set forth therein 18 U.S. Code 245 Federally protected activities as per credit approvability due to the invalid accounts and damaging inquiries that serve no purpose other than damage credibility directly violating the Equal Credit Opportunity Act
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 customer financial protection act. 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violation.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I received a call from samone who identified as a family member requesting that I send a XXXX payment. Because I typically send payments to that particular family through others I wasnt reluctant to send the payment. I called that family member on XX/XX/19 concerned that they had not received the funds. At that moment that had advised they never called and it wasnt them that made the request. I immediately called my bank to make them aware and file a dispute. They said that this will be filed and take 10 business days which I was advised no later than XX/XX/19. I have not received any paper work from Wells Fargo not via mail or email regarding my claim. Every time I call Im transferred several times. It pains me to see that my bank is supposed to protect me and yet they havent. Out of the millions of customers Wells Fargo has defrauded they should be more helpful to the customers whos remained loyal to them after all the things that have transpired. Its {$90.00}! Thats not going to XXXX  them to credit a customer who never disputes anything. My cell phone service was turned off over this! I had to do without gas and no one takes this serious. Its sad. I want someone to do something about this!
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

XXXX XXXX gave another company by the name of Us Collections west, Inc my personal information and account balance and now the third-party company is trying to collect a debt I do not owe them. The third-party company Us collections west created an account that is not mine and does not belong to me. The third-party company was not able to validate the debt upon my request per 15 USC 1681. I have requested the company to remove the derogatory accounts and they refused. I also paid them {$2000.00} without realizing the account does not belong to me. They failed to comply with any requests I have made
Product: Credit card

I purchased something with my chase credit card. The merchant charged me an additional {$180.00} without my permission. After speaking with Chase, they told me they would send me XXXX dispute letters to respond to. I waiited for the second letter but it never came. So I mailed the letter back to chase with all of the requested documents. Two days later I received a call from Chase saying the dispute was decisioned even though they did n't have my documents. Chase based their decision off of a verbal promise from the vendor ( who fraudulently charged me ) that their Terms & Conditions allow them to make such additional charges. The Chase representative responsible for the case never even received the actual Terms & Conditions from the vendor, per the representative. The Chase representative said they only sent me XXXX letter, and then changed her story and said they sent me XXXX letters. Then she said I only needed to respond to XXXX of them, but that was only after the fact. Originally Chase told me I would receive XXXX letters and to complete and return them both, XXXX of which was lagging by 4 or 5 days, so I wanted to follow instructions that Chase told me to comply with. So Chase never even gave me a fair review because they never viewed my dispute statement or supporting correspondence documentation. Ultimately I never received my merchandise be the vendor is saying I forfeited the item because I did n't pick it up for 21 days while I was working with Chase.
Product: Checking or savings account

On XX/XX/year> Charles Schwab 's business opened an account for {$10000.00} under my name with my address and social security number. The amount was taken out of our savings account. On XX/XX/XXXX, we saw that our account had a large sum of money withdrawn and we immediately froze the account and contacted bureaus to freeze our credit report. On XX/XX/XXXX, we received a letter in the mail from Charles Schwab business verifying that an account had been opened up in my name and it stated to reach out if we hadn't signed up. We contacted them on that date and froze the fraudulent account. They reported it to their fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$280.00} incorrectly by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX office on XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.