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

Experian has Failed to fulfill it 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 found a lawsuit against Experian, alleging systemic issues, such as failing to foward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify costumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed despite the evidence i provided causing ongoing harm to my credit standing. I am requesting corrective action to remove the dispute account as in action, violate federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Under the guise of a real estate agent, I have been in communication with a landlord with XXXX XXXX XXXX a XXXX leasing company. This individual has received 3 payments from me over the course of two weeks. Today was supposed to be the day I move-in, and suffice it to say, it is also the last day I heard from this individual. 

XX/XX/year> - {$50.00} for an application fee XX/XX/year> - {$580.00} for XXXX XXXX XX/XX/year>- {$64.00} to balance Security deposit The phone number that I have been in contact with is XXXX. The account to which I have made these payments is a chime account with the tag $ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft, which has resulted in unauthorized accounts being opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting 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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : DOE XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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: Student loan

During the time of COVID-19 I wasnt able to maintain my bills during time I reaching out to you guys to have my student loans forgiven as the Biden administration promised
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED ( Bankruptcy XXXX  XXXX / Reference number XXXX ) WITH TRANSUNION, AND IN RESPONSE, TRANSUNION VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY. I EVEN CONTACTED XXXX AND ASK THEM IF THEY VERIFY THE BANKRUPTCY WITH TRANSUNION AND THERE ANSWER NO THEY DID NOT VERY IT WITH TRANSUNION BECAUSE THEY DONT HAVE IT ON THERE REPORT AND EVEN THEY DID DISPUTE IT WITH TRANSUNION TO REMOVE IT. Still, TRANSUNION DID NOT RESPOND TO XXXX!! ACCORDING TO XXXX THE BANKRUPTCY IS UNVERIFIABLE AND HAS TO BE DELETED FROM TRANSUNION REPORT... PLEASE FIND THE ATTACHMENT FOR MORE INFORMATION. TRANSUNION really did not reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case, BEST REGARDS XXXX XXXX. 

I HAVE PREVIOUSLY DISPUTED THE BANKRUPTCY XXXX  XXXX WITH CFPB FOR XXXX AND BECAUSE XXXX INVESTIGATED THIS MATTER THE RIGHT WAY! XXXX WENT AHEAD AND REMOVED IT AND DELETED IT FROM THEIR CREDIT REPORT BECAUSE THE BANKRUPTCY ON MY CREDIT REPORT UNVERIFIABLE, ACCORDING TO THE CFPB WEBSITE, What happens after you send in your dispute The credit reporting company investigates The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you. 

A credit reporting company is not required to take action about disputes that are frivolous. The company must send you a notice explaining that it has decided the dispute is frivolous, and the notice must be sent within five business days after it makes the decision. 

The information furnisher makes corrections and notifies all the credit reporting companies After correcting information about you, the information furnisher is responsible for notifying all the credit reporting companies about the corrected information. Then, the credit reporting companies update your credit reports. 

The information furnisher might determine the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whoever requests your credit report in future.
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. 
1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 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 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts there hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting opened date and payment history wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from my credit report.
Product: Credit reporting or other personal consumer reports

I'm challenging these incorrect accounts on my credit file and asking for an investigation. Per the Fair Credit Report Act, I deserve {$1000.00} for each error. FCRA 605B mandates reporting any wrong accounts on a consumer 's report.
Product: Credit reporting, credit repair services, 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, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.
Product: Mortgage

PNC Bank holds my mortgage. My homeowners insurance increased, so as a result my monthly payment increased from {$2500.00} to {$2500.00}. I never received notice of the increase, so in XXXX, I paid the normal amount of {$2500.00}. 

Later in the month, I received notice that my loan payment was underfunded by {$53.00}. The notice said to send the {$53.00}, which I did IMMEDIATELY upon receiving notice. I was charged a late fee of {$83.00}. 

The bank -- despite instructing me in a letter to just send the additional funds owed in order to rectify the issue -- decided to NOT deposit my original payment and instead for some reason mailed me a check for {$2500.00}. So, rather than accepting the two partial payments ( {$2500.00} and {$53.00} ) I have sent, which combined is the full payment for the month of XXXX, they recorded me as not paying my loan at all. 

Despite NINE phone calls to fix the issue, PNC has now reported me to a credit agency and has threatened to take action to foreclose.
Product: Mortgage

Due to my divorce I am unable to pay the mortgage I made an attempt to pay the mortgage but the servicer Caliber Home Loans returned the payment. My kids live with me and we are afraid we will be left homeless during the holiday season. I retained a real estate agent who has had the property for sale since XXXX but due to the house not having a garage and being in front of a elementary school it has not been sold. We've also reduced the price of the property significantly in order to make it more marketable and we are still unable to sell it. The agent requested to stop the foreclosure process with my servicer but my servicer continued with the process. 
Please help us!
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took XXXX  almost 1 1/2 to 2 years to render aid during that crisis. Along with that the company I was working for XXXXXXXX XXXX XXXX  at the time was stealing money out of my paychecks this was on going for 4-6 years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX  along with proof that XXXX  delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my mental state of mind but also my credit report. this should be removed from my credit report in Good Faith again i have documented proof pertaining to this matter.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX They gave a title loan to a person using my maiden name along with my social.. The person used a title for a car that does not belong to me along with a driver 's license number that is not mine.I spoke with their fraud dept on XX/XX/XXXX after I became aware of the inquiry into my credit from XXXX XXXX. I have filed a police report ( police will not give me a report as its a civil matter ) and a report with the FCC. I emailed the company proof that I had filed the police report and report with the FTC on XXXX. I called their office and was told I needed to have the FTC report notarized. I do not feel I should have to jump thru hoops for these people just because they did not verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA ( 1970 ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C Section 604 A Section A : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit and reporting act the following creditors ( XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX XXXX ) 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 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 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.

You can find the following attached photos of the accounts i would like to be removed for not Honoring my CONSUMER RIGHTS.
Product: Credit reporting or other personal consumer reports

The No Disclosure Without Consent Rule No agency shall disclose any records by any means of communication to any person, or another agency, except under a written request by or the record pertains a subject to 12 exception 5usc Section 552 a b. 

Under the Privacy Act Disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual subject to twelve exemption Experian I have sent in several disputes to your agencies and CEO to fix the error that you have been reporting on my credit file there should be no more time given to fix this! You violate copyright infringement if you do not stop reporting on my consumer report and correct and remove all derogatory information by deleting all information permanently I will take you to federal court and sue you for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was reported a Hard Inquiry that states that it is from a credit card on XXXX that I am not familiar with. I wanted to report fraud and a removal of the Hard inquiry on my report.
Product: Checking or savings account

It was several times before XXXX between XXXX and XXXX amounts of $ XXXX {$370.00}, until it reached about {$420.00} several times in the courses of every other month then every month until.. even the bank reported it.. and then again but the bank says it was backtracking last year and the beginning of this year and they questioned me of have I ever had any problems with making purchases I said yes last year 2023 and some off and on XXXX XXXX through XXXX. Ongoing through this XXXX My SSi was cut off after XXXX XXXX I was hoping to keep this bank unless I need to get another bank for my federal treasury holdings/ back pays that I'm owed.. due to a breach of contract between the state and Federal financial managements.. I just need my money, the time and compensation for all of the issues and my credit restored.. I achieved a XXXX score last year and after all the issues that was not my fault my credit fell because of them this year I re-achieved XXXX... Now it has fallen again because of the issues that Chase has told me about and now are taking effect on my life stakes .. credit scores, bank account, credit card, savings account I was achieving my credit scores for .. and future out-looks on what all I could have accomplished by now forwarding my future.. I have kids and a family to take care of and a family business to educate my kids for.. I can't even get a standing point while I'm going through all of these hardships because of the state breaching a contract with the federal government.. and what my bank faces and what I have to face because of it.. ''
Product: Checking or savings account

I opened an account with M1 on XXXX in conjunction with their referral bonus program ( XXXX XXXX XXXXXXXX ) which was offering a {$250.00} bonus for both parties if a deposit requirement of {$10000.00} within the first 30 days was met. After opening the account using a referral link, I deposited {$500.00} on XXXX  and {$9500.00} on XXXX to satisfy the {$10000.00} deposit requirement.

During this time, M1 apparently decided to end the promotion on XXXX Upon not receiving the full {$250.00} bonus, I contacted customer service via email and was eventually told that I did qualify for the bonus and would receive it by XXXX however the full bonus was never received after XXXX. After contacting their customer service about this, I was then told that because my qualifying deposit was received after the promotion was pulled, I was no longer eligible. This directly contradicts the terms of the promotion which state : " To qualify for the {$250.00} M1 Invest referral bonus, referred family and friends must sign up during the Promotion Period ( e.g., no later than XXXX XXXX XXXX  on the last day of the Promotion Period ) and make an initial deposit of at least the minimum required amount into a brokerage or retirement account ( Account Opening Minimum Amount ) within 30 calendar days of New User Sign-up Date and account approval and maintain that initial deposit amount for the subsequent 30 calendar days. '' Further followup via email with their customer service resulted in a response of : " However, the dates included in our promotional terms and conditions will no longer be valid once the promotion has ended. Therefore, since the promotion has ended prior to completing the qualifying deposit, we can no longer honor this promotion. '' In essence, I believe that M1 has put forward a bonus promotion to entice new customers to sign up for their service, then claim to have changed the terms of the promotion to avoid paying out the promised bonus even when a customer such as myself has satisfied the terms of the bonus promotion.
Product: Vehicle loan or lease

On about XX/XX/XXXX I discovered that my payment for GM financial had not been applied. I was surprised because I had been up to date until XX/XX/XXXX and was on autopay. As soon as I realized that I had a payment due, I paid it. I've been attempting to find out what happened with my autopay and why I was reported so quickly to the credit bureaus. I've called XXXX twice, on XX/XX/XXXX and on XX/XX/XXXX to attempt to have the XXXX XXXX  late notice removed from my credit. They've told me that they don't have a way to fix this issue and that I have to go through the credit bureau 's to have the XXXX XXXX late notice removed from my credit. I've attempted what GM Financial suggested and that has not worked. Ideally I was hoping to fix this issue with XXXX XXXX about this issue but they have stonewalled through their customer service. They don't have a mechanism to solve this kind of credit reporting issue. 

I don't understand how they quickly report that someone is late with payment without having a mechanism to help fix this issue. But also that they didn't give me much of a chance to fix this issue with them. I only discovered the issue after seeing that my XXXX XXXX had decreased. I don't think it's fair that they didn't communicate with me at all but quickly reported that I was late.