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

I am formally filing this complaint against [ EXPERIAN ] for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and demand immediate corrective action. Despite my lawful rights, this company has engaged in deceptive, non-compliant, and negligent practices that have caused harm to my credit standing, financial well-being, and legal rights.

FCRA Violations Committed by [ EXPERIAN ] Failure to Investigate Disputed Information ( 1681i ) Despite my formal dispute submitted on [ XXXX XXXX ], [ EXPERIAN ] has failed to conduct a reasonable reinvestigation within the required XXXX period, violating my consumer rights. 
Reporting Inaccurate or Unverified Information ( 1681e ( b ) ) The company continues to report inaccurate, incomplete, and unverified information, damaging my credit profile and financial credibility.

Failure to Provide Complete and Accurate Information ( 1681s-2 ) The furnisher of information has failed to correct or remove erroneous data upon dispute, thereby breaching their legal duty.

Failure to Provide Proper Notice of Adverse Actions ( 1681m ) I was not properly notified of adverse decisions based on my credit report, violating transparency and disclosure requirements under the FCRA. 
Remedy & Demands Given these serious violations, I demand : The immediate deletion and correction of all inaccurate, unverified, and outdated information from my credit report. 
A formal written response within XXXX days acknowledging this complaint and outlining corrective actions taken. 
The enforcement of maximum statutory damages, including penalties of up to {$1000.00} per violation under 1681n for willful noncompliance. 
If this matter is not resolved immediately, I will escalate to legal action, including filing a lawsuit in federal court for willful or negligent FCRA violations. 
Failure to address these violations will result in a formal complaint to the Federal Trade Commission ( FTC ), state Attorney Generals office, and additional legal recourse to ensure full accountability. 

I expect immediate action to rectify this issue. If I do not receive a response within the legally mandated time frame, I will pursue all available legal avenues. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

My wife ( XXXX XXXX ) received settlement from XXXX XXXX XXXX in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face with PayPal stealing our money. I have already submitted the requested documents to Paypal and recieved and email staing they will be holding my {$8500.00} for 180 day/6 months! This practice is unexceptable and something must be done about this! I cjoose Paypal as an option and this was a bad choice! Paypal is not a bank its an App os this type of pratice should be out lawed and regulated! I dont need Paypal to hold any money for me my wife and I were entitled to this money from XXXX XXXX due to a Car accident we were in. This was my wife ( XXXX XXXX ) settlement check she opted to have sent to her via Paypal! We are in jeopardy of being evicted and due to the Pandemic our jobs and business has slowed up. Causing or bills to get behind. Our family REALLY need this money! So please help us fix this problem and Reinstate my account so that we can have access to the money {$8500.00} that rightfully belongs to us NOT!! Paypal!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? This complaint is related to a problem with XXXX  and Equifax displaying a public record ( bankruptcy ) inaccurately on my credit report. 

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA, which is the issuer of data on my XXXXXXXX and Equifax credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies. 

Step 3 : What happened? I then reached out to XXXX   and Equifax disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my Equifax and XXXX credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or XXXX and Equifax, XXXX XXXX, XXXX, and others. 

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of XXXX, Equifax, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received another dispute letter from XXXX dated XX/XX/2023. It continues to show ( page 5 of 8 ) that I have a {$59000.00} balance with the Department of XXXX. I have contacted XXXX about this issue many, many times in the last 2 months and nothing is resolved. XXXX did not report my balance with them accurately despite what they have reported to cfpb. Please see the attached documents.
Product: Mortgage

Awarded property in Divorce. Trying to refinance eight years since XX/XX/XXXX. 
Ex husband a Sheriff placed " cease & desist '' with Fay Servicing. XXXX. XXXX ... to stop this firm dealing with myself. Judge in Oregon awarded property to my son and I. We have lived here, custom built home, 11 years. Sheriff 's Dept seized once. XX/XX/XXXX. I hired lawyer. Sheriff 's Dept trying to seize again XX/XX/XXXX ... .. FORTY THREE DAYS. 

LOOKING AT FBI, or lawsuit perhaps. Fay Servicing will not return calls, emails, XXXX. Sent direct message to CEO today. XXXX XXXX
Product: Credit card or prepaid card

Capital One account XXXX was opened on XX/XX/2021 and report to the credit bureau approximately XX/XX/2021. When i received the alert I immediately disputed with the Credit Bureau as I did not authorize or open this account. 
I contacted Capital One Fraud Dept on XX/XX/XXXX or XXXX to inform them the card was opened and did not belong to me. The supervisor I spoke with was able to locate the account and confirmed the Social Security number and Telephone number was not a match, She updated the account as fraud and stated they would start an investigation. 

On XX/XX/XXXX I received an updated from Transunion stating the account is verified and accurate. I contacted Capital one back to find out the results of the investigation, XXXX, The fraud account manager Employee ID XXXX, informed me the account was mark as Fraud, along with the transactions. XXXX stated according to the notes the Credit Bureau Disputes team updated the report from XXXX  as accurate because the address match. 
XXXX also stated their are several items that are disprenceny such as, Social Security XXXXumber on Application. but the CBD team indicates because the address is a match this is valid. 
I did not open this account, I have several other accounts with Capital One however this account does not belong to me and I feel this company has violated the FCRA in its entirety. 
They have not removed the account from my credit report although they are some discrepancies in the information provided. If my social security number is not a match the account should NOT be reported as accurate and/or valid. 
Im unable to solve this with the company directly therefore I'm filing this compliant for assistance.
Product: Money transfer, virtual currency, or money service

I was burglarized on XX/XX/2021. The identity thief stole my XXXX XXXX, and using the phone the thief used 2-factor authentication ( which he had access to as he had SMS and email in phone, effectively making it use 1 factor ) to change the XXXX password. He then entered my Coinbase account using the password he created. He transferred my cryptocurrency, worth around 3k, into XXXX and transferred it. He also transferred XXXX from my bank account, and I have an outstanding balance of XXXX USD to XXXX. I reached out to XXXX within hours to lock my account. I recovered the account and changed the password after 4 days of emailing with XXXX ( who do not have live agents to help ). I then saw what had been done to my account, and have been reaching out to XXXX to revert these transactions or restore my funds after faults in their security ( only having 1 factor in 2FA and allowing huge transfers immediately after a password reset ). XXXX has been auto-responding to me, and have said they will take no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax this week admitted that it misreportedsome consumers ' credit scores, affecting applications for mortgages, auto loans or credit cards. 

The XXXX XXXX XXXX on Tuesday reported that, between XX/XX/XXXX and XX/XX/XXXX, the company sent out millions of incorrect credit scores for consumers Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX  stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurateXXXX XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXXXXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a certified letter to the credit bureaus asking then to verify every piece of information reporting on my report to make sure everything was 100 % accurate. I have been waiting over 30 days for an update. During this process I received a letter in the mail XX/XX/2023, from an unknown debt agency attempting to collect on an alleged debt. These debt collectors XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

When I sent a letter to XXXX XXXX XXXX asking them show me where I owe them a debt they then sold this alleged debt to XXXX XXXX XXXX without my knowledge, and so did XXXX XXXX XXXX 

See the attached letters
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt not owed. I have contacted them numerous times started back in XX/XX/XXXX. I disputed this debt with the CFPB, and XXXX XXXX XXXX stated they would delete the item from my credit file. Please see attached document showing this. 

I recently certified another letter to XXXX XXXX XXXX which was signed for on XX/XX/XXXX. I have yet to receive a response to me letter that requested they respond to my concerns. 

I disputed this item from my credit reports and XXXX  is the first to respond. XXXX  states that XXXX XXXX XXXX has verified the information as accurate and to not delete the item from my report. I am providing you a copy of this response from XXXX. 

XXXXXXXX XXXX XXXX has misrepresented what they intended to do to you both the CFPB and myself.
Product: Credit reporting or other personal consumer reports

On XX/XX/ after checking my mail from Experian about an investigation done for disputed inaccuracies on my credit report it has been brought to my attention that Experian did not perform a full investigation on the items that came back verified, which is unfair to me as a consumer, since their company plays a vital role in my reputation and credit worthiness and they assumed this role without any of my written permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMER XXXX- I am not satisfied that you have efficiently fulfilled the policies of the Fair Credit Reporting Act in doing your investigation. Please re-investigate the information or eliminate this account. 
XXXX XXXX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXXL XXXX XXXXXXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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

I contacted Experian on XX/XX/year> to dispute some inquiries on my credit report. I asked the agent could she start a dispute for me and she told me that she could not dispute or remove the inquiries. The inquiries in question are : 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 I would like for these to be removed XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments listed do not reflect my regular payment behavior, which has been timely.
Product: Credit card or prepaid card

I have had this card for about 2-3 years all my taxes and my stimulus money gets deposited on there for myself and my two children, the card had suspicious activity for hotel rooms that were not in my name but aren't fraud to this company, I deactivated and got a new one sent out that card was stolen from my mailbox and blue bird authorized someone to take that card and withdrew XXXX off that card. Now with a total of all fraud charges that XXXX did not authorize is a total of XXXX I have just today put in my 5th dispute with this company and I'm just stress and frustrated, I've made police reports, reports to the post office and nothing is enough for me and my kids to be entitled to my cash. So I did research and found u guys so I'm not only asking I'm begging for the help. I uploaded a text from the person thatstole my card.
Product: Checking or savings account

XX/XX/XXXX - I sent {$250.00} to my son 's phone # using the embedded XXXX payment feature in the USBank app. XXXX then contacted my son, and because he was not a member of a XXXX partnered bank, instructed him to download and install the XXXX standalone app to initiate receipt of the funds. Which he immediately did, but despite several attempts, XXXX did not complete the transfer and he was not able to receive the funds. My son informed me about the problem, and I contacted XXXX customer service for an explanation. XXXX stated to me two reasons why my son was unable to receive the funds : 1 ) He did not bank with a XXXX partnered bank. 
2 ) He did not have a Fast Funds capable debit card. 

XXXX went on to state that without at least one of those features they would be unable to complete the transfer. But XXXX also assured me that if the funds weren't claimed by the recipient ( my son ), the money would be returned to me within 14 business days. 

XX/XX/XXXX - After over 2 months now, and despite the fact that my son was never able to claim the {$250.00}, the money has never been returned to my account. 

During that 2 month period I've contacted XXXX 3 times by phone, spent several hours on the phone with USBank customer service and visited to my local branch twice to speak to the manager and assistant manager about resolving the the issue. 

Numerous times during my contact with USBank I was assured the funds would be returned, was promised a provisional credit on several occasions, and even credit to be issued directly from the bank branch if necessary. To date, none of those has happened. 

USBank has ultimately told me that they've investigated the matter and determined the money was sent and received and that their obligation has been satisfied. But whenever I press them to provide me with the tracking documentation that shows the completed transfer, they go quiet with no response. No callbacks from customer service or the branch on that topic. 

The USBank assistant manager at my local branch made an interesting and telling comment to me during my visit the week of XX/XX/XXXX. He said that in the agreement that partnered financial institutions have with XXXX, it states that XXXX is not responsible for lost funds. That tells me that USBank is attempting cover up a flaw in their relationship with XXXX by having customers foot the bill for lost funds. And I think that is wrong! And probably illegal. Someone with the proper authority needs to look into this ASAP. 

As a consumer, I feel helpless on this matter. In my view, I was just robbed of {$250.00} by a bank. And with no recourse other than to end my long-standing relationship with USBank.
Product: Credit reporting or other personal consumer reports

I woke up this morning and I was shocked when I saw my credit report because there are inaccuracies and I do not understand why it's reporting on my account.
Product: Debt collection

Dear Santander Consumer USA XXXX Inc., I have received your letter as dated XX/XX/2022, see attachments. In addition, I am confused by letter. Can you please produce any documentation when have I ever mention anything about bankruptcy?