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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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

XXXX XXXX  and EXPERIAN is still lying about disputes ready to view, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

My name is XXXX XXXX on XXXX I have received numerous calls back to back from XXXX from a XXXX XXXX associate of the below mentioned law firm, started harassing me and threatening criminal prosecution if I did not pay this debt from XXXX advise wanted proof of debt validation and he did not identify me that I was right party contact and verify my information first or read me the mini miranda instead he was very abusive and threatening and cruel and demand payment now! I hung up on him he called back three more time in minutes after the first call again at XXXX finally XXXX Then he called my husband XXXX XXXX XXXX for past 28years at his cell XXXX three times threatening him at XXXX, XXXX XXXX and harrassing him, for payment my husband advise of cease and desist verbal and reminded him of TCPA AND FDCPA LAW MY HUSBAND HUNG UP ON HIM Goldstein, Cruise and Smith LLC collection agency she claims XXXX XXXX XXXX at XXXX XXXX on XXXX/XXXX/XXXX on my cell XXXX claims she is an attorney and she does n't have to adhere to FDCPA and left threatening message I have saved on my voice mail Also called from XXXX from XXXX at XXXX no message left have saved on my call log. Both of these numbers go to a prepaid cell # in XXXX, California Phone : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX View Additional Email Addresses! THERE IS AN ALERT ON GOLDSTEIN, CRUISE AND SMITH LLC!
Product: Credit reporting or other personal consumer reports

Experian has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like Experian have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, Experian has failed to meet this obligation.

2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.

3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that Experian continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision.

Negligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed unauthorized inquries. One being from XXXX who pulled my report on behalf of XXXX XXXX XXXX XXXX. I did not authorize this inquiry which is a violation on the FCRA.
Product: Checking or savings account

My checking account became overdrawn due to an error on my part. I understood that I would get charged a fee, which I was for {$36.00}. No issue there. But the problem occurred when I continued to get charged {$36.00} for the same item. I was originally charged {$36.00} on XX/XX/XXXX. Charged again on XX/XX/XXXX. Again on XX/XX/XXXX. And again on XX/XX/XXXX. When I called the bank ( BB & T ) I was told that the same item had been submitted on four separate occasions and that I would get charged a fee every time it was submitted. Keep in mind, I have no control over how many times the item gets submitted. BB & T would not credit back any of the fees for this item, so I ended up paying {$140.00} in fees for an item that totaled {$110.00}. Emailed BB & T on multiple occasions and the answer was always the same, they will charge a fee every time it is submitted. This is really unfair to the consumer, as the consumer has no control over it. Yes, I did make the initial error, but after that it was out of my control and BB & T just kept ripping me off. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is purposely disobeying the FCRA 605 ( B ) Laws. Equifax and XXXX has received all the necessary  documents on my behalf to validate my identity being stolen, in relation to some fraud accounts showing on my report. Equifax and XXXX staff members verbally said they received the documents on XX/XX/2019 and thus Equifax hasn't blocked/removed anything! XXXX has removed everything needed but a XXXX acct, furthermore they both are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They would totally disregard the laws morality and my own anguish, so I thus have been forced to keep multiple fraudulent accounts on my profile through their own discretion.
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax by USPS tracking number ( XXXX XXXX XXXX XXXX XXXX ) to do an investigation of unauthorized inquiries on my credit report. I did not give these companies permissible purpose to view my credit report. These companies didn't provide any proof I gave them permission to view my credit and Equifax failed to consider my information in the dispute. 

Equifax violated My Consumer Rights under FCRA Section 611 ( a ) ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

These companies below violated my Consumer Rights under FCRA Section 604. Permissible purposes of consumer reports I did not give these companies below permissible purpose and I don't know these companies. 
XXXX 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

XXXX XXXX XX/XX/year> XXXX I received a letter from XXXX XXXX saying that XXXX XXXX  sold them my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Company put a debt on my credit report that does not belong to me. It belongs to my ex wife. I have not resided with her since XXXX  and this debt is from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with issues with Equifax credit reporting agency for almost 1 year now. I have been attempting to get a construction loan to build my house and 4 different lenders have been unable to pull mine and my wifes Equifax report. They have consistently gotten XXXX and XXXX with no problems. I filed a complaint after hours on the phone with no resolution on XX/XX/2022 with CFPB. The result of this complaint was stated to be resolved by Equifax however their answer was the same I had gotten every time I called. It was in essence not resolved. Now almost one year later I am attempting my construction loan and again the bank can not retrieve my credit report from Equifax. XXXX and XXXX are fine. My wife and I have been on the phone 3 more times in the last week trying to get to the bottom of it with no avail. Every person we speak to states there are no freezes, no fraud alerts the company should be able to pull the report. We have done authentication verification with Equifax as supposedly this would clear it up and today, the bank still could not pull the report. We have been going through this for a year now. Its absolutely ridiculous that no one can figure out why this is happening and only with Equifax. I am emotionally spent and so disappointed that I can not move forward with my home because they cant manage to fix whatever this problem is. Something is wrong and they need to figure it out. I have tried absolutely everything I can at this point. We need some help. Below is a document showing the latest reason the lender got after attempting a pull. This is after I spoke with Equifax and they stated there would be no problem getting my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.
Product: Vehicle loan or lease

I asked to speak with someone about my loan and they gave me the run around and refused to help me with my payment
Product: Checking or savings account

I am writing in regards to the fraud case that was mishandled by Bank of America. The fraud issue happened on XX/XX/XXXX and XX/XX/XXXX in XXXX XXXX, Nevada. A total of {$690.00} was taken out of my checking account. I don't live in XXXX XXXX, Nevada, nor have any family member or friends in that state. I live in XXXX, GA. It was impossible for me to be in two states and make purchases in one state and withdraw money in the other. I called Bank of America 's Fraud department and was told I will be reimbursed and sent a new card. They told me it would take 2-3 months to resolve. It has now been 4 months and I have not been reimbursed or called upon. I also faxed them all the information they asked me to in the prior call. They have been idle and unwilling to reimburse or assist me any further. I also had my XXXX card  also attacked in the same duration dates. I called XXXX XXXX    Fraud department and they helped me resolved my problem, reimbursed, and assisted me in getting a new card. XXXX was completely professional compared to Bank of America. I even faxed my XXXX letter to Bank of America 's Fraud department, with the unauthorized actions that happened on my account. 

I have attached the XXXX 's letter. The investigation proved that the fraudulent actions were not by me, and they have reimbursed the funds back onto my account.
Product: Credit reporting or other personal consumer reports

I am addressing an ongoing and unacceptable issue with XXXX knowingly reporting inaccurate information regarding a charged-off account. Despite multiple disputes highlighting the inaccuracy, XXXX has deliberately altered the delinquency date to prolong the life of this account on my credit report. 

The first date of major delinquency for this account should be reported as XX/XX/XXXX, not XX/XX/XXXX. This blatant misrepresentation is not only incorrect but a direct attempt to extend the reporting period beyond its rightful timeframe. Had the original delinquency date been correctly reported as XXXX, this account would have been removed from my consumer report entirely. Instead, XXXX 's actions have resulted in an unwarranted extension, which is a clear violation of my consumer rights. 

Furthermore, the date of last activity has been incorrectly updated to XX/XX/XXXX, which is impossible since this account was paid off in XXXX of XXXX. This false reporting compounds the issue and further demonstrates a failure to comply with federal standards. 

Under XXXX XXXX XXXX XXXX - Compliance Procedures, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information. XXXX 's repeated mishandling of this account constitutes a direct violation of this statute. 

I demand immediate corrective action. XXXX must remove the account from my credit report as it no longer qualifies to be reported. 

Failure to comply will leave me no choice but to escalate this matter further through legal channels or regulatory authorities. This is not a negotiable request ; it is your obligation under the law. 

I expect a prompt resolution to this issue.
Product: Payday loan, title loan, personal loan, or advance loan

This company is charging XXXX % and have paid {$2500.00} thus far.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to resolve inaccuracies on my credit report. Despite multiple attempts to request a re-investigation, the incorrect information remains on my credit report. The previous complaint was closed, yet no action was taken to correct the discrepancies. 

I believe these credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i They failed to properly reinvestigate the disputed information, leaving inaccurate details on my report.

FCRA Section 1681e ( b ) The agencies have not ensured the maximum possible accuracy of the information reported, as the inaccuracies still persist.

FCRA Section 1681i ( a ) ( 1 ) ( A ) No appropriate investigation or resolution was conducted after my dispute, violating my rights under the FCRA. 

These failures have resulted in inaccurate reporting, and I request that the CFPB investigate the matter and take corrective action to ensure the credit bureaus comply with the law.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 i sent my granddaughter {$230.00} through paypal. she is a XXXX national. she is a minor child. paypal is not supposed to allow minor children to have an account. she has lost the information on the account and has no way to prove it is her. paypal has refused to return the funds to me. they remain locked up in an account no one can access.
Product: Credit reporting or other personal consumer reports

Im writing to express my deep frustration about the accounts on my credit report that are in pending litigation. Ive contacted your office several times to correct this issue, but Ive been met with silence or no action. Its disheartening to see my credit score impacted by accounts that arent even finalized.
Product: Money transfer, virtual currency, or money service

Bank of America is stating that is a " approved '' transaction when I have called multi times to retrieve my funds. Still not and they have declined the claim. I have reached out to number of different executives with no responces. I have YET to hear from the executive relations team to find a resolution to get my funds back. I have tried multi-times with no response on BOA. 

I don't understand how a company is still in business.
Product: Debt collection

XXXXXXXX XXXX XXXX and pinnacle Crdits service has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results XXXX has also confirmed that debt that was in fact under a different social but and this bill that they are reporting is not mines please delete all inaccurate information of my account
Product: Credit reporting

I disputed my XXXX report via certified mail in XX/XX/XXXX and Also XX/XX/XXXX CFPB case number XXXX
Product: Credit reporting or other personal consumer reports

I submitted a request to Equifax Information Services LLC to remove several hard inquiries that I believe were made without my authorization. This is not the first time I have reached out with this request. I even sent a letter with identifying documents to verify my identity and confirm that I am the one submitting this dispute. Despite my efforts, Equifax confirmed the retention of these records, stating that they are a factual record of access to my credit file and will remain for two years. I disagree with this decision as I believe these inquiries negatively impact my credit score and were made without my proper consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This week ( XXXX/XXXX/2017 ), Equifax disclosed a security breach in which 143 million US customers of the agency had their personal information taken. I checked on https : //www.equifaxsecurity2017.com and the site alerted me that my personal information may have been impacted by this incident. This amounts to improper use of my personal data by having it disclosed to 3rd parties without my consent ( even if Equifax is a victim in this case as well XXXX.
Product: Debt collection

I Checked my credit report with the 3 credit Bureaus and seen that XXXX  was reporting an inaccurate debt. On my credit report it reported a high balance of XXXX. XXXX XXXX/XXXX XXXX. I sent sent to XXXX  a letter to verify debt, XXXX  responded that the debt was verified and accurate. I requested validation of debt from XXXX XXXX. I received a bill with a balance of XXXX ( see attached ). I am aware that a bill does not constitute that i owe a debt. I then received a response from XXXX XXXX XXXX on XX/XX/20 stating that I owe a balance of XXXX. I have received 3 different balances all are reporting different and inaccurate. By federal law any items that report on my credit report must be accurate this in violation of my rights and must be deleted immediately. I have attached all correspondences from each company
Product: Money transfer, virtual currency, or money service

Date : XX/XX/XXXX Time : XXXX XXXX XXXX  : XXXX Customer Card : XXXX Transaction : XXXX Withdrawal from Credit Card ATM Fee : {$3.00} Withdrawal from Credit Card : {$1000.00} Total Amt : {$1000.00} Summary : I initiated the above referenced cash advance using my XXXX XXXX XXXX credit card and received 20 [ {$50.00} ] bills totaling {$1000.00} in US Currency. 

At XXXX XXXX on XX/XX/XXXX, the funds were deposited via ATM with XXXX XXXX XXXX. From the deposit, the ATM rejected [ 1 ] of the {$50.00} from my deposit. I I next took the bill to the teller for deposit who attempted to manually make the deposit, processing the bill thru the currency counter. The bill rejected and upon review by the teller manager, it was stated that based on the counter rejecting the bill as well as the ATM, most likely the bill was counterfeit currency. I explained the bill was disbursed to me via Wells Fargo XXXX  XXXX location and in response XXXX XXXX informed me they would not be able to deposit the bill into my checking account for credit. Their recommendation was to present the bill to Wells Fargo and explain their ATM had disbursed the bill from my ATM XXXX XXXX cash advance. 

I returned to Wells Fargo Bank and explained to the bank lobby teller. An attempt was made by the teller to process the currency thru his bill processor however the bill was rejected. XXXX XXXX, XXXX XXXX XXXX XXXX, instructed me he would have to retain the bill which would be returned to the XXXX XXXX XXXX and that he would not be able to assist me further. I asked to have a copy [ front/back ] of the bill for my records to which the teller provided. 
Serial Number : XXXX Series : XXXX XXXX XXXX provided me his business card with instructions to call the Customer Service who would be able to file a Reg E Claim. He disclosed a 10-day timeline is projected to resolve the claim. I initiated a call and spoke with Customer Service and was informed they would not be able to assist me as I was not a Wells Fargo customer. The recommendation was to contact XXXX XXXX for assistance as I was their customer and resolution would be provided from their servicing portals. 

I next spoke with XXXX XXXX and was informed they would not be able to assist me as this was a Wells FargoXXXX XXXX XXXX as ATM currency is deposited/exchanged between the two parties. It was explained that this was not an XXXX XXXX issue. 

In closing, I have not received a response from Wells Fargo regarding the disposition of the claim or from XXXX XXXX regarding the recovery of the {$50.00} I lost from the transaction. In addition, the experience I received from this ordeal results in me not EVER using an ATM terminal again. 

Any assistance that you can provide is welcomed and appreciated.
Product: Credit reporting or other personal consumer reports

Transunion is on a regular reporting The robbery remarks on accounts repeatedly without my permission ever and nor can any of the companies that they are allowed to furnish information that is negative on my consumer report. Author I'm a natural blood XXXX  created by. All my XXXX, I am not the all cap name. The old cap name is so therefore, all of the derogatory remarks, as well as the derogatory accounts that are consumer report needs to be removed because it is preventing me from being able to take care of my family, and it is harassment in one of the worst forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This amount went from being XXXX to XXXX and is now XXXX and I never owed them a dime I gave them a XXXX dollar cash deposit.