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

XXXX & XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. XXXX, XXXX and Trasnunion claims that the account is verified, accurate and validated, yet XXXX & XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by XXXX, XXXX and Transunion? Besides that, XXXX XXXX XXXX had since XX/XX/2022, since they were notified by CFPB and XXXX and they could not find anything. 
I am unsure as to how my likeness was received by XXXX XXXX XXXX, but being a victim of the XXXX and Transunions data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill 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 items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

In XXXX of XXXX, I contacted Ally Financial so I can voluntarily surrender my vehicle and my wife 's vehicle because I was on XXXX XXXX orders and I was also the only one working. In addition, I explained that we have XXXX kids, but that my wife and I took into our home an additional XXXX children from family members because they were basically homeless and were not attending school. The surrender of the vehicles immediately added more than {$1100.00} per month ( from car payments, insurance, fuel, and maintenance ) back into the budget and helped ease the burden of the increase in family. My wife used to work from home as a customer service rep, but was let go by the company because customers started complaining about all the noise in the background ( this was before COVID-19, so kids bickering in the background was not as acceptable as it is today ). 

My complaint is that Ally Financial took the two cars back, and just like most auto finance companies, most likely sold them at auction, used one of their " sister '' agencies to buy the car back ( for pennies on the dollar ) to put it back on the market for reselling, and wrote off the remaining balance when they did their taxes. And for the last three years, Ally has been reporting to the credit bureaus an outstanding balance that WE ALL KNOW was satisfied back in XXXX when they wrote it off in their taxes. 

So, my question is this : 1. Is the SCRA really protecting Servicemembers when credit companies can easily bypass the SCRA and go after Servicemembers to collect a debt they have already got compensated for, either directly ( through a tax write-off ) or indirectly by using a third-party " sister '' agency to buy back repossessed property for pennies on the dollar, selling it for more profit, and then trying to DOUBLE DIP by reporting to the credit bureaus an arbitrary balance that no longer exists, in an attempt to intimidate Servicemembers to pay for a balance that was written-off and the property resold for a bigger profit?

2. How many Servicemembers ( and consumers ) are being screwed this way?

3. Are there any lawyers out there that would be interested in starting an inquiry to see how many credit companies are practicing these tactics, and whether there are grounds for a class-action lawsuit?
Product: Credit reporting

This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$300.00}. I pulled my credit report because I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$540.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount  {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} from XX/XX/XXXX to XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported  Credit limit {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ; past due amount {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; balance {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as Charge off reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported  {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Mortgage

On  XXXX   XXXX ,  XXXX , I refinanced my home for {$340000.00}, with a lender named, The  XXXX   XXXX   XXXX   XXXX  in  XXXX  Florida. I believe this could be considered a predatory loan since the finance company based the loan on my salary solely and the value of my house. Which the valued it quite a bit more than it was truly worth and without anyone coming physically to the property. Somewhere around  XXXX   XXXX ,  XXXX , I was laid off from my job at   XXXX   XXXX   which I had worked at for over 28 years. My division of the company was bought out by  XXXX   XXXX   XXXX   XXXX  and all member s of management wer e laid off. This started my financial issues as I went from {$55000.00}, to {$0.00}. After I got behind on the payments I received notices of impending foreclosures, I believe by this time the mortgage had been resold once or twice. I was contacted by a company named  XXXX   XXXX   XXXX , run and owned by  XXXX   XXXX   XXXX . He said he would buy the house for {$10000.00} and rent back to me for {$1300.00} a month. And after 1 year he would sell back to me for {$370000.00}, this would keep the house from being sold and would build credit back up after paying for 1 year. After the year was up I went back to him to buy back now he wanted {$450000.00}, for the house, soon after this we found he was arrested for mortgage fraud he had just had the title put in his name and was supposedly having the billing notices sent to his address and was not paying monthly mortgage. Even though my name was still on mortgage the bank never notified me of what was going on. The state of Florida prosecuted him for fraud and I was put on a list of victims tha was suppose to be remunerated by the state of FL, which has never happened I have kept in touch with the States Attorneys office through the years and finally last year they said it would be up to me to get my own lost monies. Since the issue with   XXXX   XXXX   XXXX   I have tried at lea st 8 or  9 times with  XXXX   XXXX   XXXX  and no w Wells Fargo  to modify or rework my loan. They always reject it, never saying why, just reapply again. Last year,  XXXX , I had negotiated with  Wells Fargo  to do a short sale, they agreed to it and I was working with a realator who had a potential buyer and  Wells Fargo, stopped the foreclosure sale then  without notifying me they went ahead with the sales in  XXXX   XXXX , I only found out by checking the Clerk o f the County for   XXXX   XXXX  website and saw they cancelled the cancelling of the sale and with 1 days notice I filed a chapter  XXXX  to stop the sale. I have dealing with this for 10 years now and wanted to make payments, but they would never approve me, they could have been receiving monthly payments for 10 years. During this time I had to deal with my fathers illness ',  XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . And they would not work with me, it is also my understanding they have " lost or ca n't find '', the original mortgage instrument.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. XXXX XXXX has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year XXXX.
Product: Credit card

Dear XXXX XXXX, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.
Product: Mortgage

Our mortgage was sold by XXXX XXXX XXXX to freedom mortgage around XX/XX/2020. Ever since, my husband and I have been contacted by Freedom Mortgage on almost a daily basis. They have contacted us by phone, email and mail insisting we refinance our mortgage to get a lower interest rate. We have repeatedly explained we are not interested and yet they still keep calling. We requested to be taken off any list that requires them to contact us about it this matter. When we tell them we do not want to lower our interest rate, they become rude and pushy. They want us to explain why we are choosing to pass on their offer. They do not accept no for an answer. After speaking on the phone, theyll send us emails to sign paperwork electronically. When we do not respond to emails, they send hard copies in the mail for us to sign. Ive been tactful when speaking with the representatives and they will not stop insisting we do as they say. We are looking to take our business elsewhere because this is harassment and bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC  id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Money transfer, virtual currency, or money service

This compliant is involving Chime and their pay anyone transfer system. The system allows you to add a phone number and a text message will be sent to the person to receive funds. I used this feature to try to transfer funds to a friend of mine. For some reason Chime has my friends phone number attached to a completely different person. I called Chime and placed a dispute stating the phone number that XXXX assigned to my friends is some how associated with a different person in Chime 's system. I was told to send in a phone bill from XXXX showing my friends now has that phone number assigned to them and they will refund my money. I have provided the requested documentation and Chime still refuses to return my money. I am unable to contact the person Chime has associated with this phone number because I do not know the person and they are not active in Chime 's system to request for them to return the funds.

The customer service agents did not understand what I was saying when i filed the dispute and stated the following : the intended recver didnt recved any XXXX  message abt the XXXX  but the person who recved teh money XXXX  didnt able to speak with it ... the phone number XXXX  used probably XXXX XXXX XXXX was probably let someone used the phone number of the recver. 

This was not my dispute nor my issue. Chime needs to step up and take responsibility for incorrect information in their system and incorrect information filed by their agents regarding my dispute. I have tried multiple times with Chime to resolve this and they have refused to return my {$100.00}.
Product: Credit reporting or other personal consumer reports

This file was removed from my report recently. I am requesting it be removed immediately. It is well over 7 years old. Also, I didn't approve for XXXX XXXX to sell my loan. If it appears on any of my credit bureau files again, I will not notify through this service but file a lawsuit. This is interfering with me obtaining a home loan for myself. REMOVE IMMEDIATELY. I will file a lawsuit if it appears on my reports again. 

XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment
Product: Credit reporting or other personal consumer reports

I am writing to notify you I am a victim of data breach and identity theft and I would like all accounts mentioned blocked and deleted from my credit report pursuant to FCRA 605B15 U.S.C 1681c-2 ( a ) XXXX XXXX XXXX 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

XXXX XXXX XXXX  
To: CONSUMER FINANCIAL PROTECTION BUREAU 

 
SUBJECT: REINSERTION FROM TRANSUNION 

ACCOUNT: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  I RECEIVED A DOCUMENT FROM XXXX XXXX XXXX XXXX  STATING THAT THIS ACCOUNT IS CLOSED AND DELETED. 

***SEE ATTACHMENT*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.
Product: Student loan

I'm having a hard time still. I've been temporarily laid off sue to the Covid 19 pandemic. I cant pay my loan right now. I still haven't even been approved for unemployment as of yet. I spoke with someone today and she basically said that someone has to pay it and wouldn't even give me the option for forbearance of any kind. I'm so sick and tired of the rudeness and harassment from this company. I've filed several of these complaints and nothing seems to change. Navient is a horrible company and they bully people. I cant give them money I dont have right now. Period. Oh, and stop harassing my parents too.
Product: Debt collection

I keep telling this company the same thing as I did with the individuals that are employed by them. I will start paying the {$150.00} dollars I owe for a XXXX cable bill. I spoke to them about how I will start paying less than 6 months. I explained I will make 3 payments each month to pay it off. Right now Im trying to get these current bills under control that I still owe. They will not make any note of anything but still continue to harass me and its getting me nervous and fidgety. Its not good for my health. I have the bill invoice that came in the mail and I need them to just stop the harassment on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX!! Informed the company I have been out of work for medical conditions. They put me on a deferred program. Immediately after the program ended they continue to demand payment. Informed them numerous times I am unable to pay at this because I have to pay back rent, utilities and other expenses while I was out of work. XXXX XXXX continues to call at harass numerous times each and every day including weekends Saturday and Sunday evenings. I am requesting both of these XXXX  XXXX accounts to be closed immediately and with a XXXX balance. 
Thank you for your time and consideration
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1803 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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: Credit card or prepaid card

My name is XXXX XXXX. This complaint is for GAP VISA/SYNCHRONY BANK credit card For my XXXX statement balance of {$1800.00} I made the payment twice and ended up being a credit balance of {$1800.00}. I called them to refund the money and they stated they mailed me the cheque on XX/XX/XXXX at my address however after waiting for more than 3 weeks I did not receive the cheque in mail ... I called them multiple times to reissue the money with expedite shipping and give me some tracking number so then I can track and make sure they are issuing the refund ... t. but they denied my request. They are saying that they have reissued the cheque with regular mail on XXXX but I still did not receive the cheque and there is nothing they can do.
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 Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to CAINE & WEINER for Validation for a account they posted on my credit report. I gave them XXXX  days to provide me with the documentation they have for this account. Which they failed to today is XX/XX/2024 which is past XXXX   days so this account should be deleted off my credit report. 


ATTACHED WILL BE THE LETTER I SENT TO THEM