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

Experian has failed to fullfill its legal obigation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Thes failures align with my experience, where Experian has neither corrected nor removed diputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates fedral law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Product: Checking or savings account

On XX/XX/XXXX I received a call from Chase in XXXX at XXXX CST asking if I was in their XXXX XXXX bank withdrawing funds. I stated no, as I was in XXXX at XXXX about to board a plane to XXXX. They stated they were going to lock my accounts & I would have to visit a branch to re-open the accounts. The banks were closed on the XXXX & XXXX, but when checking my bank app I notice that {$4000.00} had been withdrawn at the Chase in XXXX at XXXX CST & that it was not my signature on the withdrawal slip. I called Chase on the XXXX to speak to their fraud dept & they asked me to file a claim with their claims dept which I did on XX/XX/XXXX. I was told I would receive an answer within XXXX business days. After 5 days I called their claims dept to inquire on the status & was told it was still under review. On XX/XX/XXXX I received a letter from Chase denying the claim stating that I either authorized the withdrawal or received benefit from it. I called the claims dept. & asked how it could be denied as I didn't authorize the withdrawal, plus it was physically impossible for me to be in XXXX at the same time withdrawing money as I was in XXXX boarding a flight. I told them that they had called me ironically XXXX minutes after the money had already been withdrawn. Additionally, the fact that they locked down my account when I told them I was not at the bank, so how was the withdrawal authorized by me & then why lock my account. They stated I needed a declaration with a copy of my license so they could check the signatures. On XX/XX/XXXX I went to a branch in XXXX TX, & the branch manager assisted me & on my behalf faxed a copy of my license, my flight itinerary, flight taken confirmation & record of the incoming call & time from Chase on the XXXX. With the branch manager present they stated I would hear back from the claims dept within XXXX business days. After 3 days I called on XX/XX/XXXX, XXXX & XXXX. Each time I was told I would hear back within XXXX hours. I emailed Chase on XXXX outlining the above. Received a message back to contact their fraud dept., which I did on XX/XX/XXXX. They passed me back to the claims dept. which they stated that the signatures did not look the same, they had received my declaration & I would hear back in XXXX business days. On XX/XX/XXXX I received another letter from the claims dept. repeating the same message as XX/XX/XXXX, that the claim was denied since I either authorized or benefited from the withdrawal on XX/XX/XXXX. This is clearly fraudulent on Chase 's behalf as they didn't properly go through the verification process for the withdrawal, as stated by the branch manager in XXXX. I have proof that it was not me who fraudulently withdrew the {$4000.00}, nor did I authorize it, otherwise why would my account be locked. Please investigate this as I'm sure there are many others who are being defrauded by Chase.
Product: Credit reporting or other personal consumer reports

Summary of Complaint : I am filing this complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to comply with my Method of Verification ( MOV ) request, their continued reporting of unverifiable information, and their willful and negligent noncompliance with federal law.

Issue Details : 1. Failure to Provide Method of Verification ( MOV ) ( FCRA XXXX ( a ) ( XXXX ) ) On XX/XX/XXXX, I sent a certified letter to TransUnion formally requesting the Method of Verification ( MOV ) for the following disputed account : XXXX XXXX XXXX  TransUnion received this request on XX/XX/XXXX, as confirmed by my return receipt. 

Under FCRA 611 ( a ) ( 7 ), TransUnion was legally required to provide me with a written response within 15 days, detailing the method used to verify the disputed account.

However, TransUnion failed to provide any meaningful response and instead issued a generic letter stating that the account was verifiedwithout disclosing any actual method of verification, supporting documentation, or evidence that the creditor was contacted. 

2. Continued Reporting of Unverified Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) Since TransUnion failed to verify the accuracy of this account within the required timeframe, they are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete the information immediately.

Instead, they continue to report this unverifiable account, violating my rights as a consumer.

3. Willful and Negligent Noncompliance ( FCRA 616 & 617 ) TransUnions failure to investigate and properly verify the disputed account has caused direct financial harm, preventing me from securing personal and business financing.

Their negligence has resulted in financial loss, increased costs of borrowing, and significant emotional distress. 
Steps Taken to Resolve This Issue : XX/XX/XXXX : Sent a Method of Verification request to TransUnion. 
XX/XX/XXXX : Request received by TransUnion ( confirmed via return receipt ). 
XX/XX/XXXX : Sent Final Demand Letter requiring compliance. 
XX/XX/XXXX : No sufficient response received. TransUnion remains in violation of the FCRA.
Product: Credit card or prepaid card

I noticed that my credit limit has decresed.Why is that.Every payment is on time, Fico score is good.I paid XXXX for payment this Month.They told me that I should contact you.I think I was right.Can You help me? Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  requesting documented proof of the credit inquiries listed on my credit report.
Product: Credit card or prepaid card

I have to dispute one basic charge with Chase Card Services but because there are some extra transactions ( both charges/rebills and refunds/credits ) that may interfere with their ability to make simple judgements, they are still unable to figure it out after almost four months. 

Basically the dispute is about a prepaid reload card purchase at XXXX. On XX/XX/XXXX I made a purchase totaling {$58.00}, of which {$53.00} was for a prepaid card that was not working. On XX/XX/XXXX I went to XXXX, they charged me another {$53.00} for this same card and the card was still not working. Also on XX/XX/XXXX, XXXX provided me one refund of {$53.00} on-site due to the {$58.00} transaction that happened on XX/XX/XXXX, but never provided me any refund for the {$53.00} charge that happened onXX/XX/XXXX. As a result, I should have got another refund of {$53.00}. 

On XX/XX/XXXX I, for the second time, disputed the {$53.00} ( XX/XX/XXXX ) charge with Chase, it resolved with me retaining a full refund for the {$53.00} charge and therefore Chase granted me a credit of {$53.00}. However as of XX/XX/XXXX, Chase later removed this credit because they mistakenly think the merchant had already provided me this refund as they see a {$53.00} credit on XX/XX/XXXX. 

In the end, I should not be responsible to pay the {$53.00} portion of the {$58.00} happened on XX/XX/XXXX ( merchant refunded this one ), and I also should not be responsible to pay the entire {$53.00} charge happened on XX/XX/XXXX ( Chase is supposed to grant me a credit for this one ). The removal of the credit onXX/XX/XXXX essentially makes me pay an extra {$53.00} to Chase. 

Full version of this incident is attached in document.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  OR Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

I had a capital one credit card with XXXX dollars limit and now I owe almost XXXX on it what kind of interest rate is that
Product: Debt collection

I was looking on my credit report and saw a collection for {$70.00} as of today date I never got a letter, nor even a bill from anyone pertaining to this debt I have never been contacted and I was never notified of this bill as of todays date I was never aware I could dispute this nor verify the debt the collection company automatically put this on my credit without my knowledge or consent violating the fair crediting reporting act in doing so
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX CR XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, AFFIRM INC added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this account and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( AFFIRM INC ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand this inaccurate account to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC
Product: Mortgage

I deferred XXXX mortgage payments in 2021 due to financial hardship caused by the pandemic. My mortgage payment at the time was roughly {$1200.00}, so the total amount deferred was around {$3600.00}. The terms of the loan were rewritten, and I was to repay the deferred payments at the end of the loan. 

I am not in the process of selling my home. I received my seller 's statement, and noticed numerous payoffs, most of which I was aware of, but XXXX in the amount of {$29000.00} that I was not aware of. I called my mortgage company, Essex Mortgage XXXX XXXX, California, and was told that this was related to the deferred payments in 2021. I was also told that since the payoff was through HUD that I would need to contact them for further information. When I contacted HUD, I was told that Essex Mortgage would have filed a claim for a specified dollar amount determined by them ( Essex Mortgage ) to cover the missed mortgage payments, therefore I needed to reach out to them for further information. I contacted Essex Mortgage again, and when I requested documentation of the {$29000.00}, how it was allocated, and a copy of the promissory note, they stated that they did not have any record of the information on file. 

I close on my house today, and now I don't know if I am able to pursue this issue any further, and I don't know if I am paying {$25000.00} that I did not use.
Product: Credit reporting or other personal consumer reports

I'am a victim of identity theft, my information was apart of the Equifax data breach
Product: Consumer Loan

I received my annual credit report from XXXX. It has a credit inquiry from Chase Auto XXXX/XXXX/XXXX. I have not applied for any new credit from Chase since getting a vehicle financed through them in XX/XX/XXXX. It counted as a hard inquire. The inquire has cause damage to my credit score. I need this removed.
Product: Checking or savings account

I opened a XXXX XXXX  Account with Capital One and upon opening the account it is advertised on their website and in their email that youll be sent your Debit Card in XXXX Days and that you can track your shipment. This is false advertisement, they do not allow you to track your shipment despite all the claims to do so, I called in tonight after still not receiving my debit card and was told they arent able to track it due to shipping with XXXX and its out of their hands if I dont receive anything by MXXXX XXXX XXXX days after it shipped ) that theyll reship it with XXXX and XXXX have to wait XXXX business days after the XXXX Ive already waited. 

Its not about the time waiting but the fact that youre blatantly lying to customers. You do not offer tracking unless its shipped with XXXX and youre not given the option when opening a new account. You auto ship with XXXX and tell your customers you can track your shipment but then you cant and are told you dont offer that when you call to request your tracking. As of this point, Capital One has all my money hostage and I have no way to access it because I cant even go to an ATM without my debit card.
Product: Debt collection

Is a collection account from an insurance service I had in XXXX  and I paid off. This account was sent to a collection agency named Receivables Management Systems. I asked to the collector to sent an itemization and the collection agency sent an itemization that does not anything. It doesn't say what my monthly payments were, it doesn't clarify where the late fees stem from, it doesn't specify what payments were reversed or when the file was cancelled. Furthermore, my final payment is for a large amount. That is indicative that I called on the final month and payed off the balance before I moved to XXXX. I asked to a friend to call on my behalf because this collection agency threat me very rude in the past. The collectors transferred the call several times to several departments and finally transferred with a collector who couldn't tell us anything about the account because it was a collections department and not a dispute department and no managers were on the floor and no one could speak about this account but anyways we have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information Violation 15 USC 6802 ( i ) no one had permission to disclose my personal info, this is a place of abode not my address, I don't reside here, it is a primary dwelling 15 1681 A ( 4 ) Right to privacy Violation Late payment violation 15 USC 1681 B, Stolen Vehicle 15 USC 9613, 9611, 9612 15 USC 1692 ( J ) 15 USC 16666B timing of payment 15 USC 1602 J 15 USC 1692 G 15 USC 1681 A 2 A 2 B 15 USC 1681 XXXX