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

The credit reporting bureaus eq XXXX and XXXX failed to delete innaccurate acct information. 
Specifically XXXX XXXX and XXXX XXXX XXXX created a new acct without my authorization added two years to the original deliquency. Intimidated me with threats of lawsuits as a XXXX XXXX I am entitled to fair protection from abusive practices. I paid in settlement 6 credit balances in exchange for agreement to remove the negative reporting and the 2 collection accts I refuse to pay since I have no relationship to them and they add extra fees of close to {$2000.00}. This is an abuse under the regulations of fcra.

Since the credit bureaus have not responded to my requests I would like to ask cfpb to help resolve this, I am unable to get a loan now which means no transportation. no employment and this makes unnecessary hardship to pay my property taxes and support my family thru school. Its very disheartening because I know there have been recent class actions against XXXX XXXX and eq as well as portfolio and security credit services yet they persist in flagrant violations because of profits received at consumer expense and and somehow manage to pay huge litigation costs and settlements yet continue to flout the laws and regulations which provide equity to lowly consumers.
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. 

Account : XXXX XXXX Account XXXX 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably cause to believe that the information is inaccurate.
Product: Checking or savings account

My son, XXXX and I are both on this banking account at US Bank. On XX/XX/2019, XXXX attempted to withdraw {$500.00} USD on an ATM machine at the US Bank : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX No money was dispensed, and he got a message that he needed to remove his card so he did. XXXX thought there was a machine malfunction so he tried the transaction again and received message that he had reached his limit and could not withdraw funds. Online banking showed that the {$500.00} was taken out of his account. XXXX called the bank and was told that it would get figured out because the ATM machine wouldn't balance so the money would be put back into his account. However, the money was not put into his account and the complaint was closed because the bank said the ATM balanced. They then filed a fraud report, and told us to wait 10 business days for provisional money to be put into XXXX 's account. The money wasn't put into the account and when I called to check on it, they said that it wasn't fraud, that it should have been filed as a dispute so they closed that claim and filed it again as a dispute. We requested that they give the {$500.00} provisional money and they denied that request, then XXXX XXXX called the next day to say that the money will be put into the account, until that claim is settled. We have requested numerous times for someone to watch the video to prove that XXXX did not receive the money. HOWEVER, XXXX XXXX XXXX, Assistant Vice President at that location sent us an email stating " When the Police present us with a subpoena for information well be able to get that on to the right department so that they can work with the Police. '' XXXX did file a police report, then we followed up with the detective, who stated that he isn't able to get a subpoena for this because it's not a criminal matter, but a civil manner. And US Bank is still not willing to watch the video to determine what happened! This is ridiculous! 

We want someone to please watch the video of the transaction from XX/XX/2019 at XXXX to see if the money was or was not dispensed to XXXX . We would like to see the video also. This has been such a fiasco! 

Then please grant XXXX the {$500.00} plus any overdraft fees that have accumulated since XX/XX/2019 - which the bank has said they will do, if it's proven that XXXX did NOT receive the money. But no one at US Bank will watch the video to prove what happened to the cash.
Product: Credit reporting

CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Product: Money transfer, virtual currency, or money service

Cash App customer that had data stolen in their security breach last year. I just found out that there is a class action lawsuit against them.
Product: Debt collection

I received a notice in the mail on XX/XX/2023 which came from Caine and Weiner saying that I have an outstanding debt of {$840.00}. I went on the website immediately and completed the online form to request them to stop collection and to send me information that shows that I owe the debt. I did not receive any further correspondence from them a few weeks later I called to request them to stop collection and to send me information that shows I owe the debt. they sent me back to the website and I filled out the form again. I received no information from them again. On XX/XX/2023 I called them for the third time to request them to stop collection and to send me information that shows I owe the debt. again they sent me to the website saying that I had filed a cease and desist and that's why they had not sent me any information. However, I had never filed a cease and desist. On XX/XX/2023 they sent me documentation via email that shows a XXXX BALANCE ( ie, an outstanding balance of XXXX DOLLARS ). Via email, I asked for additional documentation that shows that there is actually an outstanding balance of {$840.00} but they refused to provide that information to me.
Product: Debt collection

On XX/XX/2022 at XXXXXXXX XXXX, I received a phone call from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in regards to my wife 's Target card. They offered me a 50 % settlement, and I agreed. When she asked if there was anything else she could do at the end of the call, I made the comment ; " Nope, great to have yet another scummy debt collection agency off of my back. '' Her response was ; " Well, I'm glad you paid your bill. '' This constitutes a violation of 12 CFR Part 1006 Subsection 14 " Use of harassing, oppressive, or abusive conduct. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to XXXX  Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXX carrier in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX ( XXXX ) was disputed with Experian on XXXX Report Number : XXXX due to the account reporting " Missing, inaccurate, and outdated information '' Experian failed to comply with FCRA 15 U.S.C 1681i ( 4 ) " 15 U.S. Code 1681i is a part of the Fair Credit Reporting Act ( FCRA ) and deals with the procedures in case of disputed accuracy of information in a consumer 's credit report. Heres a summary of the key provisions related to " inaccurate or incomplete '' reporting : ( 4 ) Correction or Deletion of Inaccurate or Incomplete Information : If, after the reinvestigation, the disputed information is found to be inaccurate, incomplete, or unverifiable, the CRA must promptly delete or modify that item of information. 

In the comment section Experian states " This item remains unchanged from our processing of XXXX dispute ''. This shows a willingness by Experian to report inaccurate, incomplete, and outdated information on my credit report which is injurious and damaging to the perception of my credit worthiness XXXX. Address identifier number " Not Available ''. Address is one of the main things that attaches a consumer to the account. If it is " Missing or Inaccurate '' and the " Credit Agency ( Experian ) can not verify the account must be deleted. There's a strong possibility that the account may be mixed and merged with my son 's XXXX XXXX XXXX XXXX information. 

XXXX. " Account History is reporting inaccurate when it reports " No Data ( ND ) ''. " Accuracy and Completeness : Under the FCRA, credit reporting agencies are required to maintain accurate and complete information. If the " No Data '' entry leads to a misleading portrayal of your credit history or if it omits significant information that should be reported, it might be considered incomplete and potentially a violation. 
XXXX. " Date of Status is reporting XX/XX/XXXX ''. This suggests that the account has not been updated since XX/XX/XXXX, which brings to question that if Experian did do a " Reasonable investigation '' in XXXX and a reinvestigation XXXX, why is the account not updated to reflect the current status : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. The status section showing a date of " XX/XX/XXXX '' when it is currently " XX/XX/XXXX '' could be problematic if it reflects outdated or misleading information about the account 's current status. 

Accuracy : If the date in the status section implies that the account status has not been updated in over a year and a half, it could lead to inaccuracies regarding your current credit standing. For instance, if you have made payments, settled the account, or any significant changes occurred since XX/XX/XXXX, those should be reflected in the status section. 
Timeliness : The FCRA requires that information in your credit report be updated regularly to ensure it accurately reflects your current credit status. Outdated information could mislead lenders and others who review your credit report.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with LVNV Funding, LLC account ending with XXXX and a balance of {$1500.00}. I do not have a contract with this collection agency. They did not provide me with the original contract as requested. I ask that this agency be removed immediately from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's XXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Student loans by Dep of Ed/ XXXX  (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans (  XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  XXXX .
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. 

Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account name : CXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX Account XXXX XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXXXXXX XXXX  Account name XXXX Account name CXXXX XXXX XXXX, XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX - XXXX XXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX has violated XXXX XXXX XXXX 

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, credit repair services, or other personal consumer reports

XXXX Applied for a Pre Paid card with bank. 
I was approved. 
Consistently paid bill on time. 
reached out to back to change my due date. Date was changed. 



Bank charged late fee in error. Refused to adjust fees in XXXX. 
Acct was then closed. 
I paid my charges. 
Scores dropped while disputing charges. 
XXXX received a letter for WFB stating a error has been made on their end. 
acct balance is XXXX. 
WFB refused to report to credit bureau findings. 
XXXX XXXX, attempted to re-apply for a pre-paid credit card and was denied.
Product: Credit reporting or other personal consumer reports

I sent in a dispute letter XX/XX/year> via certified mail with tracking. This company has claimed the letters were not sent by me and failed to investigate the disputes of inaccurate accounts in a timely matter. Im requesting you urge them to act promptly and investigate these accounts as required by law. I have sent in XXXX proofs of identification along with a notary which is more than enough proof. Delete the accounts immediately if they can not be verified. 
I am writing in response to your stall letter via mail that claims these documents/disputes were not sent by XXXX XXXX XXXX XXXX The dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I will be making pursuing litigation and damages for violations of {$1000.00} each violation
Product: Mortgage

My mortgage was transferred from XXXXXXXX XXXX to Roundpoint mortgage. In the process of trying to set up biweekly payments, roundpoint mortgage made a series of errors, as though they had never handled such a process. Numerous calls and hours on the phone. Due to their mistakes, after being promised that the account was set up properly, I was assessed late fees. They got the payment dates wrong and various other errors. It took numerous months and phone calls to get this done correctly. Their logs should confirm this. Very hard to reach anyone knowledgeable, and today when calling to speak to a supervisor, they simply would not take my call, and after 34 minutes onhold for a supervisor, they said they would call me back ( which they didnt ). I still have a pending late charge dating back to XX/XX/year> for {$68.00}, due to their numerous errors, and was denied getting this penalty waived. The loan is finally bing paid biweekly properly, but they simply wont waive this fee -- financial penalty in addition to the frustration over their incompetance to set this up properly in the first place. Their loan processors act as though they have never done this before when it is a very simple request.
Product: Bank account or service

I wanted to update my last name after my divorce and they were requiring a court document to have for their file even though I had already provided this to the social security and the license branch and had proper legal ID for them to update this.
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a complaint about my initial attempt to remove fraudulent items from my credit file. It is disheartening that I must address this issue, as the fraudulent items negatively impact my financial standing and creditworthiness. I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. My initial dispute was submitted with the required documentation, including evidence to support the fraudulent nature of these entries. However, despite my efforts, these fraudulent items remain on my credit report. 

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I have been disputing this account with " America First Credit Union '' several times through via mail for so long and no one has gotten back to me about all the inaccuracies and fabricated information they have put on my credit report. For over a year this account has been avoiding on verifying this account. They are violating my rights and FCRA all 3 credit bureaus have different information in regards to my " high balance '', different dates, etc so many false information. I need this account remove immediately. They have been so sloppy with reporting .Remove this account because it has not done nothing but complicate my life. Thanks!
Product: Bank account or service

Bank of America sent me a statement that I had a negative balance ( because of fees ) on a savings account I had had open for about 10 years. I rarely had any money in the account, but I was never warned about keeping a minimum balance in the account to avoid fees. Then all of a sudden I was sent a statement that said I had a negative balance because off fees. The only way I was able to close the account was to pay the negative balance. Ridiculous!
Product: Checking or savings account

I filed a dispute for unauthorized transactions to my capital one debit card. They are refusing to give me my money back when I didn't do any business with the merchants in question. I would like my money back. One claim is {$850.00} and another is {$1200.00}
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) XXXX XXXX XXXX XXXX XXXX is reporting this account as opened on XX/XX/ The date open is not correct date last active is not correct on all three credit reports, Which is a violation! 

This is impacting me from moving forward to buying a house for my family THIS IS A VIOLATION OF 15 U.S. CODE 1681i ( 5 ) REMOVAL OF INACCURATE / INVALIDATED CREDIT INFORMATION. PLEASE REMOVE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX previously reported on XXXX in XXXX and XXXX of XXXX as a charge off in XXXX, which also currently shows in Experian and XXXX. It now shows as a brand new charge off for XXXX for the same exact account that was previously written off, which means IRS fraud and the reporting is not accurate.

15 USC 1692 ( c ) - False statement and representation.

Violation Consumer Fair Reporting Act Violation of Fair Trade Commission Violation of National Credit Union Administration