23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. State of XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX 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. 
Transcript Follow along using the transcript.
Product: Mortgage

Our client, XXXX XXXX, received a loan modification approval dated XXXX XXXX, XXXX. She was unable to make one of the installments timely as she was injured and have all necessary documentation to support. She attempted to make the payment during her recovery but Wells Fargo was reluctant to accept. Litigation efforts proceed and eventually a sale date was scheduled for XXXX XXXX, XXXX. 
XXXX XXXX retained our firm to assist with the loan modification efforts on XXXX XXXX, XXXX after exhausting all efforts to contend with Wells Fargo on her own. A fresh loan modification package was submitted on XXXX XXXX, XXXX per fax as suggested by opposing counsel. I contacted Wells Fargo directly on XXXX XXXX, XXXX and was given items that were missing or need clarification, contacted our client, and provided them to Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I followed up again with Wells Fargo who indicated that the file was denied on XXXX XXXX, XXXX ( no time to review requested items ) and denial was never provided to client/our firm. Verbally, the reason for denial was given to myself on XXXX XXXX, XXXX siting that a loan modification was extended and that unless there was a change of circumstance, there would not be another modification agreement. Wells Fargo was unable to locate the denial letter and the reasons for the denial. There is a sale date on XXXX XXXX, XXXX. I submitted the loan modification well within CFPB guidelines in order to have an opportunity to cancel sale. They are reluctant to do so. I will attach the reasons that XXXX XXXX attempted to make her loan modification beyond the timeframe ( XXXX, XXXX ). Further, I have attached the only correspondence provided by Wells Fargo dated XXXX XXXX, XXXX requesting more documentation for her loan modification application. I have also included a hardship letter explaining these circumstances as well. 

I ask for the sale date to be postponed to allow Wells Fargo to review the loan modification properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Said we opened an account in XXXX XXXX ga. We live in XXXX for 14 yrs and have XXXX XXXX  for 14yrs have sent all paperwork to there fraud dept be certified mail and they received it every time i call they want something else last was a statement from XX/XX/XXXX every time i call they say our fraud dept is still checking my wife had her s/s used to open an account with XXXX XXXX  she also talked with fraud dept and they told her it looks like fraud on her s/s number i first contacted them XX/XX/XXXX there address is XXXX XXXX XXXX credit team XXXX XXXX XXXX XXXX XXXX XXXX XXXX we were never charged for there service on credit report shows 4 late payments alls i want them to do is contact credit companies and remove it also we told them we never lived in ga. Please help in resolving this mistake XXXX XXXX made thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account has duplicate accounts with the same account number on my credit report showing different balances. 
Internal revenue confirmed that first progress never sent a 1099C form for this account therefore accounts need to be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 agent can not furnish an account without my written instructions under 15 USCS 1666B A creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. 15 USCS 1681a ( 2 ) ( I ) creditor may not report transactions or experiences.
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 violates Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and 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 loss, I am seeking appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report. 

6. Verify This invalidated account XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : Bank of America, [ XXXX XXXX XXXX XXXX ], XXXX XXXX [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with XXXX XXXX 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my authorization, and I am requesting their immediate removal from my credit report. 
Accounts to be Blocked and Deleted : 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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

The debt was paid through XXXX  last year 2020. Plus the account is over XXXX years old and has an incorrect start date.
Product: Credit reporting or other personal consumer reports

XX/XX/year> sent in dispute off inaccurate info on my report
Product: Debt collection

On XXXX/XXXX/13 a sales rep from XXXX XXXX XXXX came to my door to sell me a vacuum. He was very pushy and persistent, after expressing a number of times I really was interested and his still relentless push for me to just try the vacuum he had, to get him to leave I agreed to give the vacuum a try. I was told that if I did n't want it within XXXX days that all I had to do was call the sales rep and he would come back and get it with no obligation. I called the very next day and told him to please come get the vacuum, he said he would be over, but never showed up. My daughter and I called repeatedly in the next few days to ask the sales rep to come get the vacuum and he never did. Now XXXX years later this debt is showing on my credit and I never intended to keep the vacuum. I believe this sales rep preyed on older adults and used aggressive tactics to get clients to just take the vacuum so that once they did so he would then leave with never having the intent to come pick the unit up ever again and sticking people with an un wanted bill.
Product: Credit reporting or other personal consumer reports

1. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX & XXXX. Dispute Nature : In accordance with the federal Credit Report Act, XXXX has violated my rights. Under 15 USC 1681 Section 602 states, I have a right to privacy. USC 1681 Section 604 A Section 2 Also states that Consumer Reports Agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose. My information was also impacted by the Equifax Data Breach and may have got into the wrong person. 2. XXXX XXXX & XXXX. Dispute Nature:15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! My information was also impacted by the Equifax Data Breach and may have got into the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Ctedit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Self XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also 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: Debt collection

this debt was settled in ligation with zero liability the have attempted to collect two years later
Product: Debt collection

This company has third party disclosed to my father. Embarrassing me to my family. They have also reported to my father 's credit report. They did not verify any info on call and clearly when credit reporting did not either. I will be taking further action.
Product: Consumer Loan

having less than perfect credit I accepted a auto loan from capital on auto finance in XXXX 2011. at the time I was making fairly decent wages and accepted the loan terms of 25.99 % interested on a {$34000.00} loan monthly payments of {$480.00} per month however into my third year prompt and timely payments there was a decline in my health I contacted Capital One and asked about refinancing my loan and was told that they did n't refinance their own loans. soon after I was forced to retire early due to health issues and had to apply for SSI and of course my income was less than half of what I was making when I was working. I call Capital One and informed them of my circumstances and was told by a representative that I can apply for the hardship program and to qualify all I had to do was miss two or three payments unfortunately I took his advice only to find out that I would not be able to qualify until I paid down on the loan so I struggled along trying to make the {$480.00} payments. after another year I applied 4 times for the hardship program and each time I was told that I did n't make enough money to qualify even with may Son 's contribution of {$750.00} per month. this has been very stressful and I am doing everything possible to pay this off and maintain my health. DESPRETLY NEED HELP!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax appears to be in violation of RICO for knowingling facilitating the illegal lending practices of such rent-a-bank companies as XXXX XXXX  XXXX XXXX XXXX, XXXX, UT XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, OH and its marketing and management company " XXXX '' also DBA " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and " XXXX '' XXXX XXXX XXXX, XXXX, OH as it did with its predecessor XXXX XXXX who today operates the sales and marketing of its latest incarnation from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. 

A prior dispute had been filed with Equifax to remove this illegal trade-line from my credit report yet the response stated that the information was correct, not considering the contract was invalid in the state of Florida where I reside or the state of Utah where the company resides. These latest iterations of XXXX  XXXX as noted in the Class Action Lawsuit Gibbs, et. al. v. Plain Green LLC, et al., Case No. 3:17-cv-495 in U.S District Court has already garnered a $ XXXX settlement and the current company still operated in in large part managed by XXXX XXXX , Chief Predatory Lender. 

Equifax aids rent-a-tribe and rent-a-bank usury rate scams by acting as a rent-a-bureau to these illegal lenders by continuing to update and list these illegal loans as valid trade-lines in its files. The company makes no effort to evaluate the legitimacy of the reported trade-lines or the illegal practices despite being provided documents from myself and others clearly stating the illegal annual interest rate charges, in my case clearly listed as 124.86 %, thereby participating in and enabling their illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX  XXXX BANK # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 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: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, XXXX, and XXXX for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/2024, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Debt collection

Very rude people. I resolved this long ago with XXXX. Phones were sent back. It has not been on my credit report until now. This needs to be removed and they refuse.
Product: Payday loan, title loan, or personal loan

I WAS APPROVED FOR A PERSONAL INSTALLMENT LOAN BY MARINER FINANCE OVER THE INTERNET. THEY THEN SENT ME THE LOAN DOCUMENTS WHICH I SIGNED VIA THE INTERNET. THEN THEY SENT ME A REQUEST FOR VERIFICATION OF SEVERAL ITEMS WHICH I FIND STRANGE AS I HAD ALREADY SIGNED THE LOAN DOCUMENTS. MY ANSWERS WERE CONFIDENTIAL SUCH AS SOCIAL SECURITY NUMBER, BANK ACCOUNT NUMBER, PROOF OF INCOME AND PERSONAL ITEMS. THEIR ADVERTISING STATED FUNDING WITHIN ONE DAY BUT I DID NOT HEAR BACK FROM THEM. OVER THE NEXT 4 DAYS I HAVE LEFT 4 VOICE MAIL MESSAGES FOR THE LOAN DEPARTMENT, 2 MESSAGES AT THEIR CORPORATE CUSTOMER SERVICE, XXXX MESSAGE AT A LOCAL BRANCH AND AN EMAIL TO THEIR CUSTOMER CUSTOMER SERVICE. I HAVE NOT RECEIVED A RESPONSE FROM ANY OF THESE EFFORTS AND I AM VERY UPSET. I AM ALSO CONCERNED WITH WHAT THEY WILL DO WITH MY CONFIDENTIAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three checks were deposited into my Bank of America account total of XXXX then my account ended up being negative XXXX dollars I closed my account in 2020 tried to open a checking account at a credit union but cant because of my Bank of America experience
Product: Credit card or prepaid card

I checked my consumer report one morning and notice a collections was on my report. I never been notified of the account so I reached out to them via mail with a validation letter of the debt they say I owe on XX/XX/21 certified with a return receipt. The company received the mail XX/XX/21. I received a response from Genesis FS card services XX/XX/21 stating they are unable to locate an account with the information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian score for auto loans is below 500 and there is no reason for it to be so low since 2013 I've had 4 auto loans that were financed over XXXX and all 4 have been paid in full as agreed with only one late payment ... no repossessions or defaults... so I'm having a hard time figuring out why when a finance company checks my Experian report that there seeing that I'm a risky barrower ... i have attached all the auto loans in my file... you can clearly see that i have a perfect barrowing record with auto loans thank you for any help