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

There is an incorrect address on my TransUnion credit report. I have tried both writing to have this removed as well as removing it through their website. I have not received a response from the written request and their website errors out when trying to notify them of incorrect data.
Product: Credit card or prepaid card

Lets begin with me requesting Goldman Sachs to take the 5 disputes remaining from my closed account to arbitration months ago with Mastercard. 1 ) According to the FTC it is illegal to close a customers account if there is still open disputes, but they did. 2 ) After 2 re-disputes of a transaction it should go to Mastercard Arbitration per Mastercard policy. Well some of these disputes have been re-disputed 4 or 5 times. 3 ) This mess has been going on since XX/XX/XXXX which all the disputes were disputed in XXXX of XXXX. There were 8 disputed on XX/XX/XXXX, XXXX disputed on XX/XX/XXXX and on XX/XX/XXXX there were 44 transactions disputed. That is a total of 75 disputes and that is all I have disputed. So where they are getting all their numbers is beyond me. I have receipts for them all and have had 75 ruled in my favor and have proof of that, so dont know where these 5 disputes remaining came from, because I have not disputed any since XX/XX/XXXX, 4 ) As far as I am concerned this ACCOUNT IS TOTALLY CLOSED. 5 ) Are they adding disputes to get more money from me? They still owe me for the 13 disputes for {$1000.00} that they never credited my account. 6 ) On XX/XX/XXXX I received a phone call from Goldman Sachs regarding needing evidence for the remaining disputes. I told them they had to send me an email so I could send the evidence but after waiting all day I never received it, so I notified them per chat and was able to send the evidence through chat. The next morning I received an email from them ruling the disputes not in my favor so I re-disputed them. There is no way they had time to investigate the evidence, They were harassing me. 6 ) Today XX/XX/XXXX I received an email from them requesting more evidence for the re-disputed transactions and I resent all he evidence which is the same as I sent for the last 75 that have been ruled in my favor. I dont know why I have to keep sending the same evidence if they already have it. 7 ) This is total fraud and they have stated the merchant had contact with me and I authorized these transactions and that is a complete lie, I did not authorize any of the disputes that I have disputed. I have the merchants evidence and Goldman Sachs authorized all the disputed transactions by a name and address. There is no evidence of a charge card number, CVV number, password, or PIN number. I dont use Face ID or fingerprint ID and the IP address belongs to someone in XXXX XXXX over 400 miles away from where I live, I have proof of that. So it was not my device that was making the transactions so you need to do more investigating which you seem not know how to do. I had to investigate myself from the merchants evidence. That IP address on their evidence is NOT mine so it could not have been me making the purchases. 8 ) Your not getting another dime from me, you have stole all your going to get. You still owe me over 10 grand. 9 ) You are corrupt and cant be trusted!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not investigate issue properly. I received notice that your company received feedback from Equifax. However, the feedback was false. The account was verified quickly and I did not have my allotted time to reply before it was quickly closed. I also received a letter from Equifax dated XX/XX/22 requesting my personal information. This is to send to XXXX to add in their database. XXXX can not furnish me with account information and I'm in good standing with XXXX. The letter received after the Holidays requesting information was sent after stating investigation complete. This account is bogus. The dates and status has been changed more than one. It first showed XXXX and now showing XXXX also which was added later. My rights has been compromised several times. I can not dispute online with Equifax. They've since change account so I can create one, however, keep getting error invalid password or username after updating both several times!!!
Product: Credit reporting

Credit report shows listing of improper address with my report, called to dispute and that was handled I believe reasonably well but then I asked if I myself could report to the credit company myself information about a loan that XXXX does not report themselves? 
I was told NO by experian and that I could NOT do that I should call the company. I have called the company and they REFUSED to report my good credit on that loan! Now here is the complaint that same company will be the first to report a negative default on that loan, but it is in good standing and current so they REFUSE to report it in that status!!!! If they only report the bad then my credit file can only be BAD! And I was told I can NOT even report the " GOOD '' myself!!!! HOW CAN ANYONE SEE A FAIRNESS WITH THIS????? Goes the same for utility bills, rental history, or any other type of credit history! They use this as a leveraging tool! I was told in the past by some companies that it is a way for them to make sure I pay my bills, and if you do NOT pay your bill, we will destroy your credit and you wo n't get credit from anyone else either!!!! My position on this is that this is extortion plain and simple! They only report what they want to report and paint a very deceptive picture about me or anyone else and it should be against the LAW to have that control and power of manipulation over anyone!
Product: Credit reporting or other personal consumer reports

I received student loan forgiveness from the Federal Government. XXXX who is a student loan service company still has loans on my credit report that are forgiven.
Product: Credit reporting or other personal consumer reports

I am disputing an UNAUTHORIZED ACCOUNT ( XXXX XXXX  XXXX XXXX ) that is being WRONGLY REPORTED on my credit file. At no point did I give WRITTEN AUTHORIZATION for this account to be included, making this a CLEAR VIOLATION of 15 USC 1681b ( 2 ). Reporting an account WITHOUT MY CONSENT is not just XXXX is UNLAWFUL. Furthermore, credit reporting agencies have a XXXX  XXXX  under 15 USC 1681e ( b ) to maintain MAXIMUM POSSIBLE ACCURACY, yet this account REMAINS INCORRECTLY REPORTED despite my disputes. I have already disputed this account, and it SHOULD NOT TAKE MULTIPLE DISPUTES to correct AN OBVIOUS ERROR. Continuing to report an UNAUTHORIZED ACCOUNT without verifying its legitimacy VIOLATES FEDERAL LAW. Under 15 USC 1681i, I have the RIGHT TO DISPUTE INACCURATE INFORMATION, and credit reporting agencies have the LEGAL DUTY to investigate and correct errors IMMEDIATELY. Ignoring these obligations EXPOSES THEM TO LIABILITY under 15 USC 1681n FOR WILLFUL NONCOMPLIANCE and 15 USC 1681o FOR NEGLIGENT NONCOMPLIANCE, with damages of at least {$1000.00} PER VIOLATION, plus ADDITIONAL PUNITIVE DAMAGES if this continues. This INCORRECT REPORTING has already caused UNNECESSARY HARM, including FINANCIAL DAMAGE and NEGATIVE IMPACTS TO MY CREDIT PROFILE. I expect the IMMEDIATE REMOVAL OF THIS ACCOUNT, WRITTEN CONFIRMATION OF THE CORRECTION, and AN UPDATED CREDIT REPORT reflecting these changes. THIS SHOULD NOT REQUIRE ANOTHER DISPUTE. If this issue is NOT RESOLVED IMMEDIATELY, I will ESCALATE THROUGH LEGAL AND REGULATORY CHANNELS to ensure FULL COMPLIANCE with the FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account was paid in full on XX/XX/2023. Creditor agreed to remove the account from my report.
Product: Student loan

On XXXX XXXX, 2016 my request for loan forbearance from XXXX had been approved. I received an email stating that. Since that time I have still been getting charged months with interest and late fees. Navient is completely unwilling to cooperate. " Too bad '' was what I was told when I called. How unprofessional. I 've been bamboozled by a company I did not choose to do business with. They need to be shut down.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX
Product: Checking or savings account

I received a letter from Wells Fargo dated XX/XX/XXXX, which after reading it indicated that Wells Fargo Bank has provided false and defamatory information to me as a consumer which calls for a third party financial auditor and Office of Public Affairs to investigate this issue. The auditor would confirm that in fact one of its Banks employees secretly opened accounts using my business and personal information, and was in turn fired for his action. Moreover, a fair and honest assessment of consumer damages must be discussed in order to cover damages, caused to my business and me personally. 

Previous Correspondence : Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 


Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for 60-180 days. 

Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. 

This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. Equifax was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem
Product: Debt collection

I've been getting calls from a debt collector in New York called MNS and Associates. I live in Colorado. This company is calling for a guy named XXXX XXXX XXXX. I've called them, answered when they call and emailed them to tell them I dont know this person. When I try to tell them to take my phone number off the list they just hang up on me. I spoke to a guy on XX/XX/2019. He said my number would be removed. The very next day I received another call. I tried telling the lady she has the wrong number and to stop calling me and was hung up on AGAIN!! I'm tired of getting call after call for a person I honestly dont know! I dont know how to get this to stop so I hope this will help.
Product: Debt collection

The rental/leasing along with the XXXX XXXX are falsely added to the collections agency without my prior knowledge. 
The previous head XXXX of XXXX XXXX ( landlord ) was aware at that time I was a foreign without any knowledge of what where my rights as a tenant. We had encountered a lot of problems with the unit, and as well as harassment towards my pregnant wife by the staff. It was presented to the XXXX requesting to address the matter, she was aware of my lack of knowledge of rights and abuse her power. She alleged to terminate my leasing contract I was required to pay a penalty fee in cash. Without knowing at that time, it was incorrect, I immediately acted to pay the requested amount and left the unit since it was uninhabitable. 
After a month or so, I received a notice that collection was added. I was so confused and started to dig in and encounter that XXXX XXXX took derelictions of her duty. She discriminated, lied, and act XXXX toward us. So I contact the collection agency National Credit System and they ensured me to provide me all the corresponding proofs of debt as a matter of requirements fulfillment, that never happened. After XXXX years I had to contact them because a background check was running on my name and this collection debt was pop up. I request them to remove my account since it was inaccurate and request them to send me the proofs of accuracy, they never provide anything, even I did raise a dispute but it was never answered either. 
Also they suggested me to contact the landlord to clarify the situation but the new landlord XXXX ( XXXX XXXX ) mentioned that the former XXXX  XXXX was fired due to a lot of inconsistencies and inadequate behavior such as power abuse and other sever issues.
Product: Mortgage

Struggling to pay mortgage with a chapterXXXX which took most Of the abailable income. They added in a forgiven loan and virtually made it impossible to re-finance, as we were told by the company No matter what we made it wasnt enough! We lost it ( XX/XX/2018 )
Product: Credit card

XX/XX/XXXX someone opened a capital one card with a {$15000.00} credit limit and added me as a user. As of XX/XX/XXXX {$2000.00} had been spent on this capital one card. I had been added to this credit card without my consent. Capital one said they can not find the account by XXXX confirmed there is a capital one account opens XX/XX/XXXX without my consent
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent BoA letter stating fraudulent activities on their part. I demanded answers as to why they are loaning my assets. Note : I sent an affidavit. I gave them 30 days to respond. On XX/XX/2024, I wrote another note that is attached to this claim.
Product: Money transfer, virtual currency, or money service

Regarding CFPB case - XXXX This is unacceptable. I have wallets with Venmo, XXXX and XXXX XXXX XXXX but I have NEVER received wrong payments from these banks. Paypal need to investigate why I keep getting money from people I don't know. Why should it be my responsibility to login to my account and refund money which I don't want and which is wrongly sent to me. I am not a businessman and am also not selling any goods. I have a XXXX job and use Paypal only for transferring money to friends. You need to fix your system instead of blaming me or asking me to take steps when money is wrongly transferred to me. 

FYI- for the transaction last month the reached out to the sender and asked them to reach out to you to cancel the transaction. But why is this my responsibility? Paypal should fix their system. 

I would ask CFPB to not close this case and ask Paypal to fix their system. They need to investigate why I get this money in the first place when I have not requested it from anyone. Would also ask you to rollback the fees you charged me. I am not ending this case sorry. I will go to any authority if needed. I am innocent. Fix your system please. I am awaiting answers.
Product: Mortgage

On XX/XX/2020, Sign on the Line Inc. sent me a mortgage refinance solicitation under deceptive pretenses. Specifically, rather than putting their own name on the exterior of the envelope, they included the name of my original mortgage lender, along with " TIME SENSITIVE NOTIFICATION, '' to make it appear as though their solitication was an important message from my actual lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} EQUIFAX MORTGAGE SOLUT XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with missing information on my credit report. I have a XXXXXX/XX/XXXX XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, SS XXXX. My account is not showing on any of my credit reports.
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Business Name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Complaint 1. Fraudulent Credit Reporting Misrepresentation of Creditor My personal and business credit reports wrongfully list an auto loan account under XXXX XXXX XXXX XXXX ( XXXX ), even though my original contract was with XXXX XXXX XXXX ( XXXX ). 
At no point was I informed that my loan would be assigned, transferred, or securitized by XXXX XXXX XXXX XXXX. 
This constitutes misrepresentation and deceptive lending practices under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

2. Inaccurate Reporting of 30-Day Late Payments My credit report falsely states that I was 30 days late for payments in XX/XX/XXXX2024 ( XX/XX/XXXX ) and XX/XX/XXXX 2024 ( XX/XX/XXXX ). 
I previously disputed these inaccuracies, but XXXX, XXXX, and TransUnion verified them as accurate without conducting a proper investigation.

Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a full, legally compliant reinvestigation, yet they failed to do so.

Federal law prohibits the credit bureaus from relying solely on account statements as proof of delinquencythey must verify transaction logs, timestamps, and payment processing records.

3. Failure to Conduct a Proper Investigation & Verification The credit bureaus and XXXX XXXX XXXX failed to provide legally required documentation proving the validity of the late payments. 
They did not review actual payment processing logs or timestamps, which is a direct violation of FCRA compliance standards. 
XXXX, XXXX, and TransUnion failed in their legal obligation to verify information before re-reporting it as accurate.

4. Failure to Provide Legally Required Credit Disclosures Under TILA ( 15 U.S.C. 1641 ( g ) ), I was never notified that my loan was assigned, transferred, or securitized. 
If XXXX XXXX XXXX transferred or securitized my loan with XXXX XXXX XXXX XXXX, I was never properly notified, violating federal lending laws. 

5. Potential Retaliation & Discriminatory Practices I have reason to believe that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may attempt to retaliate against me for filing this complaint. 
I am formally putting all parties on notice that they can not suspend my account, alter my credit terms, or take adverse action against my personal or business credit standing due to my disputes. 
Under the Equal Credit Opportunity Act ( ECOA 15 U.S.C. 1691 ) and FCRA, any such retaliation is strictly prohibited.