23daVinci/CFPB_Complaints huggingface dataset:
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 investigation of disputed information on my credit report, leaving inaccurate or unverified 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 notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Bank account or service

I experienced XXXX instances of check fraud that involved mail theft within the last two months. Both cases involved mailed payments from a local mailbox to different individuals. In both cases I contacted my bank ( i.e., Chase ) to file an " Affidavit of Unauthorized Endorsement or Altered Item '' and provided the necessary evidence of the altered checks. In essence, the alterations on XXXX checks are extremely obvious and there is a track record of payment to the individuals to back up the case. The resolution of the matter ( funds to be credited back to my account ) should be fairly routine and expeditious. The bank seems to have a protocol that allows for keeping the consumer in the dark for a prolonged period of time, and with no legitimate contact person that can directly respond to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1 - Creditor Name : XXXX XXXX - Amount : {$1100.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX # 2 - Creditor Name : Caine & Weiner - Amount : {$380.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i just pulled my annual credit report and saw several errors reporting
Product: Debt collection

On or about XX/XX/XXXX, these two so-called debts appeared on my credit report. 
The debts are XXXX and XXXX. 
Once I was notified, I sent them a letter in XXXX of XXXX. 
I then disputed it with my Credit Reporting Agencies. 
I sent another letter in XXXX, and another letter XX/XX/year>. 

I have informed them they are IN VIOLATION of 15 USC 1692g ( b ). They have neglected to validate these debts they have been attempting to collect.

The only thing the company did was to claim that the two debts are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is this possible if the payment history is inaccurate, last activity is inaccurate on accountXXXX  : XXXX XXXX. Also on account XXXX : XXXX XXXX the last activity is inaccurate and remarks is inaccurate and months reviewed is inaccurate and payment history is inaccurate. This is grounds for removal they also violated my rights under 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 15 U.S.C 1681e - Compliance procedures ( b ) Accuracy of Report 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 the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

That stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not still reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 
Account Number XXXX XXXX XXXX XXXX and Account Number XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items 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 items and update them immediately in my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
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 ( 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 theses violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a friend recommended that I use XXXX to send her money that I needed to pay her. I used my XXXX XXXX app to send the money since it is sent with XXXX. The only information that was needed to complete the transaction was her name and phone number ( XXXX XXXX / XXXX ). The next week, on XX/XX/XXXX, my friend asked me to contact my bank because the money wasn't transferred to her. When I spoke to XXXX XXXX, I was told that the payment was completed and that my friend would need to speak directly to XXXX because it might be a simple solution where she would just need to verify some information. Later the same day, she told me that XXXX recommended for me to cancel the payment so the money will be refunded back to my bank. Afterwards, I contacted XXXX XXXX to request the refund but I was denied that request because the transfer showed complete on their end. They recommended that I have my friend contact XXXX. I emailed XXXX to inquire about the missing transfer and was told that no information on my friend 's account could be provided to me so she would just have to contact her own financial institution. She contacted her bank on XX/XX/XXXX and they requested a trace or tracking number. I spoke to XXXX XXXX and they couldn't provide a trace or tracking number but promised to open up an in-depth investigation along with a proof of payment. Finally, on XX/XX/XXXX I received two letters from XXXX XXXX stating that they completed their investigation and considered the matter closed. I took my frustration to XXXX and wrote about my experience with XXXX. XXXX support asked for my information so they could look into my concerns. When I finally got a response from XXXX on XXXX, I had spoken with my friend to confirm which bank she uses. It was that day that I realized that XXXX doesn't even offer services with the bank she has an account with. When I relayed this information to XXXX Support on XXXX, they advised that if that was the case, the money should've been refunded back to me within 14 days. At that point it had been more than a month. When I asked for more assistance on where the money was, they stated that they could only assist with transaction used on the XXXX app ( I used XXXX thru the XXXX XXXX app ). On XX/XX/XXXX, I decided to reach out to XXXX again and emailed them from their previous response. I advised them that my friend uses a bank that they don't partner with and requested them to provide proof that the money was transferred to my friend or refund me the money. They replied stating that I can cancel the payment if it is still " pending '' or I would have to request a reversal with my bank. I replied back stating that the transaction was already completed and my bank, XXXX XXXX, refused to refund it since they considered it transferred. 2 days later, I receive a response from XXXX stating that they recommend my friend to verify that she enrolled using the correct information, etc and AGAIN, I would need to reach out to my own financial institution. My final email to XXXX was on XX/XX/XXXX and I have yet to receive any response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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.

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: Money transfer, virtual currency, or money service

I sent money through this platform and it can not be delivered because the bank in XXXX is not delivering money anymore. I contacted Paysend to let them know that the bank was no longer doing money deliveries and asked for a refund or to change the delivery location, I have called 6 times. All they tell me is that they escalated the matter to another department that is looking into the matter. They also tell me that they will send an email to the team letting them know I have called and asking them to expedite it. Every time I call I get the same response, however, they don't resolve my issue.
Product: Mortgage

I sold my home in XXXX, and paid Nationstar 's demand of me, which was overstated. 

I never received a final payment history in XXXX, and when I did in XX/XX/XXXX, Nationstar allocated {$2800.00} in lines XXXX of my account history. See attached. 

8 years later, on XX/XX/XXXX, Nationstar 's counsel provided me with an XXXX spreadsheet in response to my request for a final account history, after settling the matter in XXXX XXXX XXXX XXXX in XXXX XXXX, Nationstar changed the payment allocation of my late fee payment deleting XXXX entries amounting to {$2800.00} to a new XXXX entries totaling late fee payment was made of {$11000.00}. 

XX/XX/XXXX, as attached, I mailed Mr. Cooper a Notice of Error for good cause see XXXX account history and XXXX XXXX spreadsheet for clear evidence in lines XXXX as to why. Nationstar failed to acknowledge the notice only having their counsel do so, and then by counsel stated there was no error, with Mr. Cooper refusing to confirm the XXXX spreadsheet or correct the facially inaccurate late payment allocation only changed in XX/XX/XXXX, to which an order preventing this complaint doesn't apply filed XX/XX/XXXX. 

This new payment allocation came after I agreed to waive prior claims, and after the company had a Judge agree to waive my rights to recourse in an ordinary tribunal or administratively through your bureau. 

The new payment allocation indicates in the 4 years XXXX  XXXX XXXX serviced my loan and the 16 months Nationstar serviced my loan, that instead of reporting the actual XXXX late payments, the mortgage file indicates XXXX late payments were made in 60 months. 

As of today, the counsel for Mr. Cooper is threatening to subpoena everything I own including bank accounts, all of my personal account records, everything because I am asking Mr. Cooper to revert their erroneous new payment allocation of late fee payments from {$11000.00} back to the amount Nationstar received of {$2800.00} that is also over charged but I gave up trying to achieve a correction in XXXX, that should state {$1500.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are furnishing XXXX Addresses on my consumer report Delete the below outdated and inaccurate address from my consumer report. I can not receive any mail or legal correspondence from the below address, this information is being reported as my address and that is inaccurate and outdated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
3. My only Phone number is XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employment section. I do not work or have any affiliation with these companies. 
This information is inaccurate. XXXX XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. XXXX v. XXXX XXXX XXXX XXXX XXXX. The Bureau and the FTC filed an amicus brief with the XXXX XXXX XXXX XXXX for the XXXX XXXX arguing that the Fair Credit Reporting Acts requirement that consumer reporting companies investigate consume
Product: Credit reporting or other personal consumer reports

I have encountered discrepancies and lack of transparency in the validation process, which has raised concerns about the accuracy and legitimacy of the information reported.
Product: Vehicle loan or lease

I got a loan through Navy Federal In XXXX  Ga on XX/XX/2018 for XXXX. It was for a used car from XXXX XXXX XXXX. I had called Navy Federal the morning of XX/XX/XXXX so under 24 hours and asked to put a cancelation on the loan because the vehicle I had safety concerns and my wife was scared to drive it. I had then returned the vehicle to XXXX XXXX and he refused to give me my check back. So I called Navy Federal and talked in person to 5 different people and they all told me that the cancelation was in process and theres no way the loan could go through and if XXXX XXXX tried to process it then it would get denied and sent back to him. I then get a call 15 days later saying the check had processed and there was nothing I could do about it. XXXX XXXX had forced payed my check by saying I had possession of the vehicle I haven't had the vehicle for almost a month now but Navy Federal never called me when Mr XXXX  told them that. I then told the lady that called me that I wasn't going to pay on a vehicle I don't have and she told me that they would force take money out of my account if I didn't make the payment. I have a lawyer right now for XXXX XXXX as well. I also asked the lady if I could have an investigation on the recordings of the phone calls since the people told me the check could never get processed and she told me I couldn't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, Department of Education Account # 's XXXX, XXXX have violated my Consumer 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 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute in regards to the in correct item on my credit report.Its been well over XXXX and i havent recieve any investigation results.
Product: Student loan

Was given a deferment to avoid default and one of the XXXX loans was sent to Poineer credit recovery defaulted after being told everything was fine. Now I am being charged 2 % per day in interest equaling 936 % per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.
Product: Mortgage

On XX/XX/XXXX, I submitted to the lender a package for loan modification. A few days later they said the package was complete and that the file was in underwriting. On XX/XX/XXXX I get an approval for a repayment plan from this lender and I get very upset because there is no way with my income that I could even come close to paying it. They want almost {$5000.00} up front which I do n't have, then my payments would be {$1400.00} per month. I have attached this approval which also states they did not review for anything else. I have also attached the same package I applied with so you can see how ridiculous this is. My gross income is {$2000.00} and Net is {$1500.00}. Even with my current mortgage payment of {$900.00}, I am at a deficit every month so how would I pay that much? I called the lender and explained this to them and this lady XXXX ID # XXXX told me that I should just get out of my house them and let them take it. Please help me with this, this lender is purposely doing this to take my home and they are not shy about saying it over the phone to me. I do not qualify for a repayment plan however I do qualify for a loan modification which this attached approval letter clearly shows they did n't even review for even though there is no way my income supports a repayment plan. Also, I did not receive the approval letter until mid- XX/XX/XXXX and it gave me until XX/XX/XXXX to appeal. This letter should have been mailed to immediately when they made the decision on XX/XX/XXXX not half a month later to take away my appeal period. I did appeal it on XX/XX/XXXX but today they stated I did not send them the appeal and it 's too late. This lender is playing games with my life and home and I need the CFPB to help because they are breaking all lender laws.