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

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Product: Checking or savings account

I received my federal tax refund on XX/XX/XXXX into my account hours later my account was placed on restriction for XXXX days and then I received the email requesting information to verify the deposit. I sent in all the information to verify all the deposits that they asked for after sending those documents in my account was closed on XX/XX/2023. I receive numerous emails afterwords asking for more documents and information to verify my address and that I am the recipient of the account for a closer check and I was also told that I have to wait up to 14 days for processing and XXXX calendar days to receive a check after that I receive multiple emails telling me that my deposit doesnt comply to the agreement and that I wasnt eligible for a refund and I received those emails over and over for the past month and a half now and everyone that I talk to tell me that they can not give me no information or detailed information about my account and to email their support team. I have emailed a support team and they told me that they also cant verify or give me any information about my account and to give the company a call. I gave the company a call and they told me to email so its a cycle that they keep running me in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe this company no money. The apartment complex failed to repair my leaking roof which resulted in a molded roof. The molded roof violated the rental agreement and the apartment complex allowed me to move out with no penalty. This account should not be listed on my credit report.
Product: Credit reporting or other personal consumer reports

I filed 3 disputes on accounts : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX due to inaccurate information. I believe these accounts are inaccurate and request its removal based on several consumer protection laws. XXXX denied following up with the investigation. I recently was notified that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results, and accurate investigations on disputes. This aligns perfectly with my situation as my disputes were closed within a day. XXXX has not attempted to remove, nor correct any information. I'm requesting these derogatory accounts or remarks be removed or corrected immediately as it is affecting my chances of getting a home loan and is not accurate. XXXX violates my rights as a consumer, as well as federal laws.
Product: Debt collection

I am filing this complaint because Wayfair and XXXX XXXX has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Way fair is reporting the account as a charged off account and the debt has been sold to XXXX XXXX collection agency. 

Please resolve this matter as soon as possible. Thank you!
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 furnishes, accepting unreliable responses, & failing to adequately notify consumers of disputed outcomes. Theses failures align with my experience, where Experian has neither corrected nor removed disputed claims 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 & my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment
history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

LVNV Funding LLC is attempting to collect on a debt as well as Resurgent Capital Services. A collection agency can not collect on the behalf of another collection agency as if they are the original creditor. Therefore it is a violation and I will like the collection deleted. I have emailed the ceo to settle the debt. I will like the violation of the credit collections deleted off my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking and deletion of fraudulent accounts and inquiries that appear on my credit report. I have been the victim of a data breach, and the following accounts and inquiries were opened or made without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts and inquiries be blocked and deleted immediately. 
XXXX Accounts : XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX  XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX  XXXX  - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX XXXX XXXX XXXX Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXXXXXX XXXX XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} Fraudulent Inquiries : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. PXXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date :
Product: Checking or savings account

They are claiming to have gotten a letter from XXXX XXXX to hold my funds however XXXX doesnt claim that letter and Navy wont release my funds ever after offering to let them hear that the letter isnt authorized. Someone can send a letter and you guys just hold peoples funds? No order from a court?
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 systematic issues such as failing forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

receive multiple calls daily from Harley Davidson Fin. serv. XXXX a nd three times daily at various hours. This in regards to a 2014 Harley XXXX I 've had the MC for appx 14 mos. I have repeatedly told this co. that I can not afford to pay for it. I also informed this co. several times that I took all insurance off the bike. Harley continues to make calls to me. I said that they could have the MC back for {$1800.00} that I paid to have extra parts put on the bike. I kept my payments on time for over a year. I paid XXXX cash money for a Harley. Now, Harley is threating repo. Due to all these harassing calls, I feel that debt is paid in full and my intent is to file harassment charges against Harley.
Product: Credit reporting or other personal consumer reports

Some company called XXXX XXXX XXXX who sold something to this collection people that has been harassing me trying to collect a debt. I asked for help and then they sold my stuff now it's new stuff on my credit reporting from people I didn't do business with or never heard of. 

Double accounts, name changes, different dates and balances are all coming from one account but reporting different on reporting agencies that's not cool Org Creditor : XXXX XXXX XXXX : complete XXXX XXXX 15USC1692 I request to have these accounts took off my credit and remove all data in your systems.
Product: Debt collection

I was unable to pay a credit card debt of XXXX in XXXX tried to make arrangement with the Credit card company ( XXXX XXXX Bank XXXX. They would not help me to resolve it. they instead charge me high fees due to delinquency. 4 years later XXXX I received a judgement. I never received a notification of subpoena XXXX. I went to court and I was told I owed XXXX. I informed them that was not what I owe. I informed them that I owed only XXXX. I was not sure how it doubled. I declined the debt in court. I found out later the subpoena was given to my mother in-law who has XXXX. I was never notified from her that charges was filed on me. if I ask today she still does not know of anyone bring documents to her. A lien was put on my home without my awareness. I only found out when I tried to do a refinance. XXXX another judgement was filed against me for XXXX plus other fees totaling close to XXXX. I request that the debt collectors stop calling me due to the statue of Limitation in the state of Georgia. Debt was removed from my credit report and I did not here from them again until this week XX/XX/XXXX. They have now filed a garnishment. for XXXX. This a large amount of money with no justification of the amount. Why am I still being threatened for a time barred debt that occurred over 18 years ago. What can I do to make them stop. Georgia Statue of limitations on credit card debt is 6 years, judgement are 5 years. no payments were made from XXXX due to lost of business and hardship.
Product: Checking or savings account

Around mid XX/XX/2020 I called Discover to dispute a charge of {$760.00} on my checking account ( debit card ) which was made from XXXX on XX/XX/2020 due to services not rendered. The representatives refused to help me dispute the charge every time I would call saying it was against their regulations to dispute this charge. I did call back around XX/XX/2020 and asked them to dispute it due to fraud. They disputed it, but later denied it on XX/XX/2020 and reversed the provisional credit. I feel this is negligence on Discover for not allowing me to dispute a charge when I did not receive the services which is considered fraud. I would like to dispute this using  charge back code XXXX for services not rendered. I also feel it is discrimination and unfair because I used my Discover credit card to pay XXXX  and they disputed and approved my refund. However, the same bank wont do the same on my checking account I have with them which is contradictory. Please assist with this matter.
Product: Debt collection

Resurgent Capital Services on behalf of LVNV Funding LLC is attempting to collect a debt that has been determined to be fraudulent. The fraudulent account XXXX in the amount of {$580.00} is continuing to report to the consumer reporting agencies in violation of the Fair Debt Reporting Act and the Fair Debt Collection Act. Resurgent Capital Services has ignored my repeated request to remove this inaccurate information and has ignored any and all documentation that has been sent to Resurgent Capital Services. Resurgent Capital Services is in violation of the consumer laws and has repeatedly displayed a lack of regards to the consumer laws.
Product: Checking or savings account

Bank of America froze the funds in my account until the co-owner on my account called them to answer citizenship related questions ( over and over ).

We have had this account for 20 years. I realized the funds were frozen when I was on vacation and attempted to make a transfer to a child who was out of town, needed money, and it wouldn't go through.

After multiple frustrating attempts to understand what was going on and over an hour and 15 minutes on the phone, and after I was hung up on and lied to ( this information is required by federal
regulation- again weve had this account for 20 years so was not CIP related ). My husband had to call them back from a conference and answer 4 or 5 different citizenship questions before they would  allow access to our funds. 

This is discrimination at its best. They said they needed the information to establish a profile for monitoring. The only questions he was asked was name, address, source of income and 4 or 5 are you a us citizen are you a us resident do you reside in the  usquestions. They froze our funds for this! 

The best part was, after I had received NO notice of my account being restricted ( they said they mailed a letter to me but we definitely did not receive it- I did receive a strange email a week ago about transfer ability being removed and I called customer service spent a half hour on hold to be told by Bof A that they had no idea what it meant ), I asked about the checks I had written that probably bounced or achs that were blocked while my account was restricted ( without my knowledge ) and they said that wasn't their problem. 

I want to know what federal regulation requires us to answer citizenship questions and why a bank would block access to my funds without notifying me, again definitely not BSA or CIP related as weve been customers for 20 years and nothing has changed on our a count relationship. I dont use cash and we dont have a lot running through this account so not AML related in any way either. I want to know why it isn't a violation of federal regulation to block access to my funds for no reason, causing bounced checks and issues with my utility bills. And then forcing me to call and spend hours on hold to find out the issue was that they needed to know my husbands citizenship status and what country he was from. We have not ever been outside the US and I find this VERY offensive. I want reimbursement for my bounced checks and an apology for the embarrassment its caused me. 

Weve had this account for 20 years, never a single bounced check or any other issue on my part. I take my financial responsibilities very seriously, impeccable credit, impeccable deposit handling history and how we were treated was just plain wrong. Your compliance department needs some training. 

I wonder, if I had kept a higher balance in my account would I have been treated the same, subject to the same rudeness and citizenship questions?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.
Product: Money transfers

A friend of mine is sending me money and he used a feature of sending money over phone using the Mobile banking feature of BANK Of America where one can send money using the mobile number. 
In my case on XXXX XXXX he initiated {$1.00} test transaction from the mobil banking from his mobile and i received a message from bank of america saying a friend has initiated a transaction and amount will be credited to my account. 
after which i he made XXXX more transaction totaling to XXXX $ and i received Message alerts for all the transaction. 
Now when i check my account i do not see the amount. I called Bank of america and they mentioned at the time of transfer i am not registered with my phone number but someone else is registerd ( maybe previous mobile ph number user ) so when my friend transferred money was taken from his account and was sent to the XXXX person. and currently Bank of america collected all the details and are in process of filing a claim. which if the XXXX person agrees they will refund the amount to my friend. 
If they do NOT agree, i dont get my money back and Bank is not taking liability for this amount.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' EASTERN ACCOUNT SYSTEM financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, EASTERN ACCOUNT SYSTEM whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.