23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I got an installment loan with a company that provides water dispensers at the beginning of the year XX/XX/XXXX, I believe I was supposed to get the first month free and then start receiving a bill for the dispenser.I got the dispenser from a stand that was setup inside XXXX supermarket, I contacted XXXX and they informed me that the company was separate from XXXX itself. I never received a bill from the water dispenser company and when I asked the delivery driver who drops the water off for info about the dispenser, I was told he would put in a request and I should receive a call from them. I never got a call and then because of my wife being in the XXXX we were relocated, and moved from that address in XX/XX/XXXX. I did not realize until a few months later that something was added to collections on my credit. I called the company who owns the loan now and tried to explain the situation and they just wanted me to pay for the loan. I don't even understand how the dollar amount of the loan got to where it is now when I was never given a breakdown or any information on what the loan total would be.
Product: Debt collection

In XXXX, XXXX Sequium Asset Solutions put an adverse report on my credit on all 3 credit bureaus.

This is not my debt. I think it is for a cable bill to a house in Texas. I live in  XXXX Florida and have lived here non-stop since XXXX. I don't know anyone in Texas. 
I have tried to contact Sequium but could get very little information. I have tried to contact the credit bureaus but they want documentation. I have none. Sequium never called me or wrote to me before they reported it to the credit bureaus.

The bill is for {$180.00}.

I was given the phone number of a compliance manager at Sequium but every time I call it goes to voice mail and I am unable to leave a message.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date : XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Strong Complaint Against Experian for Deceptive Practices and Violations of FCRA Dear CFPB Teams, I am writing to formally lodge a complaint against Experian for their continued deceptive practices regarding the investigation of credit report errors, despite being previously sued for similar violations. My recent experience has revealed a troubling pattern of behavior that undermines consumer trust and threatens our access to credit, employment, and housing. 

Upon reviewing my credit report, I discovered that Experian has improperly closed my rental agreement account. This action is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Experian 's failure to conduct thorough and accurate investigations into disputes is alarming. Their practices not only lead to the persistence of errors on consumers ' reports but also result in the reinsertion of inaccuracies without proper justification or notification. This negligence has severe repercussions for consumers like myself, affecting our financial stability and opportunities. 

Given this situation, I urge both CFPB offices to take swift action against Experian to ensure compliance with the FCRA and to protect consumers from these harmful practices. It is imperative that Experian is held accountable for their actions and that measures are implemented to prevent further violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

I was informed by XXXX that someone attempted to use the card in question. 

In addition to that there was a total of $ XXXX dollars taken from this account by someone other than myself. I don't want the money but I would like to have some kind of response from this bank who operates under some kind of federal contract, what a travesty, that they acknowledge their misgivings and close this account to never hear from them again in life. This episode happened in 2021 I called number after number NO ONE ANSWERS THE PHONE, neither Co-America Bank OR Direct Express. 

I sent this letter dated XX/XX/2021 special delivery return receipt requested I got document from them later in the year 2021 which was something like when you open an account nothing addressing my issue, my complaint.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX I have been trying to find a finance solution to save my house from foreclosure. I want to sell my house and get a new house and mortgage. I have tried for months to get a security freeze lifted from my account. I have also tried to get a copy of my report because I believe there is an error in my name which is causing all of the issues. But I am unbale to access my online Equifax account. I have sent my ID and SSN card XXXX times to XXXX different XXXX XXXX XXXX that are listed on Equifax website as to where to send disputes and requests. But to no avail. I am desperate here. We have to downsize our house or we will lose our house. We are running out of savings are are in a desperate situation only because Equifax will not release my credit report to myself or any lender because they say there is a freeze on the account and therefore they say they can't lift it but every lender says there is XXXX. I will have to seek an injunction on the company as my next action as I am about suffer irreputable harm. We are also filling a compliant with the FTC and department of justice as I believe these actions by Equifax are solely motivated by race. 
Updated : This is the third complaint filed with the CFPB and no action has yet been taken. I still do not have access to my credit report to see and identify errors and Equifax denied access to my credit report on XX/XX/XXXX. Equifax has destroyed my life. I am XXXX and I am loosing my home even though my credit score from other reporting agencies like XXXX is over XXXX. I can not refinance my house because Equifax will not release my credit file. Why will you all not fix. You are literally causing me to be homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see that the Credit Bureaus have done nothing to remove the disputed Items from my Credit File despite the multiple written letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information but the Credit Bureaus have been ignoring the written appeals I sent. It is clear that the Credit Bureaus have become non-compliant of the FCRA section 605b and continued reporting these items on my Credit File without proper verification. I thought that this matter was already taken care of due to the letters I have been sending but I was wrong. Right now, I am submitting this complaint in hopes that the Credit Bureaus would finally take action and and to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and delete the disputed items completely from my Credit File. I need the following items removed now! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance {$4600.00}
Product: Consumer Loan

We bought a XXXX XXXX XXXX XXXX on XXXX, from the time we bought the boat we had issues. The Engine blew the 3rd month after we bought it, the first time the boat got wet the seats/upholstery bled through red from the tags that was sewn in under all the seats. XXXX disagreed to fix any of it that it was not covered under the warranty. Which in the warranty paperwork it stated it did. This was a {$34000.00} Boat! This was all factory defects. We tried to give the boat back since it was a lemon or have them fix the issues and they would not. We then got the bank involved and we then negotiated a payoff for less than the amount owed. This account was originally with GE Money Bank/XXXX and now they have changed their name to Synchrony Bank. The settlement was for {$8000.00} since that is what the boat appraised for with all the issues and XXXX/GE Money Bank/Synchrony Bank agreed to accept this amount to settle the account. The XXXX Boat Dealer XXXX XXXX in XXXX XXXX, California bought the boat. XXXX XXXX is the Sales Manager that helped us with the settlement and purchased the boat. We conducted several conference calls between Synchrony Bank, us, and XXXX to get this account paid and settled. Our Credit Report was updated appropriately to reflect the account settled and a XXXX balance. Now as of XX/XX/XXXX the account is showing as a charge off again reflecting a balance of {$18000.00} as if the settlement never happened. I called in to Synchrony Bank on XXXX to inquire about the account they told me they could see the settlement and this is a reporting mistake due to the changes with the Bank. That they would correct the issue and delete the trade line off our credit reports. One since the account is so old and two all the issues we have had. I was told to fax a letter to XXXX addressing the conversation we had and do a letter explaining the situation. I did on XXXX. I was also instructed that if I did not hear from them to call in 7 days. I did not hear from them so I called today XXXX and spoke to a Manager by the name of XXXX that told me he would not help me that if I wanted to dispute this I would have to refax all the information to XXXX XXXX in Charge offs to see if they would agree to update any of the information. He did confirm during our conversation all of the information I have provided regarding the settlement and that they did receive my fax with the explanation. We are tired of trying to get this updated when we did our part to settle the account paid what the boat was worth. We feel this is an issue with the bank not reporting the account properly. We paid the {$8000.00} they agreed to accept as payment in full now our credit report is not showing this closed and settled but as a charge off again for the full balance. It needs to be deleted completely off our credit reports or shown as paid in full. How it is showing now is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Product: Credit card or prepaid card

I am STILL in a dispute with Barclays Bank regarding fraudulent XXXX XXXX charges. 

The card in question is XXXX XXXX XXXX XXXX. 

I would like to know HOW it was activated ( the method ) and the IP address used. I never activated this or any of the new cards that were sent to me. I never activated these cards on the Barclays website. 

Additionally, I would like store video evidence of these purchases as it was NOT me nor any other household members. 

Finally, since I have the cards in my possession, I would like you to scan my physical card and chip and see that this was NOT used. My cards never left my home, and were never used in any of the stores you are saying. Have other copies of the card been sent out? Mail theft is a big problem where I live and we have been victims of this before- my replacement debit card was stolen late last year. 

This is XXXX!!!!
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX DISPUTE AND NOTICE OF INTENT TO ARBITRATE I am writing to respond to your XX/XX/2024 letter and to reiterate my dispute regarding the inaccurate information reported to the credit bureaus. I also notify you of my intent to initiate arbitration proceedings pursuant to our agreement. 

ATTEMPTS TO CONTACT Your letter claims attempts were made to contact me by phone and email. However, 15 U.S.C. 1666b explicitly requires mailed disclosures, specifically stating that " a creditor shall furnish a clear and conspicuous written disclosure '' to the consumer. A phone call or email does not satisfy this requirement. To comply with the law, you must provide evidence of mailed disclosures, including a tracking number for certified mail. 

DAMAGE TO REPUTATION Your company 's inaccurate reporting has damaged my reputation, resulting in credit denials and significant time and money spent disputing this fraudulent account. 

REQUEST FOR PROOF I reiterate my request for proof of proper disclosures and investigation procedures, as mandated by 15 U.S.C. 1681s-2. Your failure to provide such evidence will be held against you.

VIOLATIONS AND DAMAGES Your company has willfully violated the FCRA, resulting in multiple damages. I will pursue these violations under 15 U.S.C. 1681n and 1681o, with damages of {$1000.00} per violation. I have counted over five violations, totaling {$5000.00} in damages. 

ARBITRATION I will initiate arbitration proceedings if this matter is not resolved within the next 15 days. Your company will be responsible for covering all filing fees and costs associated with arbitration, as per our agreement
Product: Checking or savings account

I had a vendor rob me of my account for XXXX  months, taking out XXXX x 's the money each time I went in there. I did not realize this until my bank notified me. I began an investigation with my bank. They did absolutely nothing for me. So then I had to file another investigation with the bank. I spoke to customer service reps for the past 8 months, XXXX directors of the bank and to no avail, they did nothing. I decided to close my account out by going to the bank in person. The teller closed the account in the amount of {$1100.00}. The bank is now sending me letters that the account is closed as of XX/XX/XXXX. I got a letter today stating I owed them over {$2000.00}. I am unaware of where the additional {$800.00} is coming from. I have talked and talked to the bank with no resolution. They not only dismissed my {$800.00} which was stolen from my account but now they are charging me and additional {$800.00}. If I close the account out and got a check for {$1100.00}, why is the bank now charging me over {$2000.00}? Please help me.
Product: Mortgage

I applied for a mortgage with XXXX of Cross Country Mortgage of XXXX XXXX, FL back in XX/XX/XXXX. My credit is not perfect, I have a bankruptcy which included a foreclosure, but I was pass the 4 years required by XXXX XXXX. I sold my house, started the process of buying a house, I had to rent a place to stay on a week to week basis during the process. XXXX explained how the entire process would work from beginning to end, although none of it was true. Once I had sold my house and essentially had no where to live the simple process became difficult. I started the process XX/XX/XXXX, and was told around XX/XX/XXXX or XX/XX/XXXX that the foreclosure wasn't included in the bankruptcy. I had no where to live and already under contract to purchase a new home. XXXX kept telling I had multiple options and he was looking for the best. We had to keep pushing the closing date with the sellers, I was afraid I was going to lose the home and my deposit of {$10000.00}. XXXX told me the correct paperwork wasn't done for my bankruptcy and all I could get was a 5 year ARM, he told me I would only have to pay interest and he would refi free for me XX/XX/XXXX when the time frame had been met. I paid his company thousands to close and the company the gave my loan to ( XXXX XXXX ) made me pay creditors off they thought was best. The mortgage payment was more than I expected. Then XX/XX/XXXX I spoke to a couple mortgage companies and finally settled on one who refinanced me into a conventional loan, one that up until about a week or two ago XXXX still said I couldn't get. 
I really feel that because I was in a bind, desperate XXXX took advantage of the situation. Not only did the loan cost but I had to pay for some place to stay longer than I planned. I would like to make sure this doesn't happen to anybody else!
Product: Debt collection

I have several hospital bills that went to West Asset Management so that they can collect from XXXX XXXX center. I have made payments straight to XXXX center every month, never missed a month of a sort of payment. West management contacted me in XXXX trying to get me to give them my bank information so that they can deduct monthly payments automatically. I denied only for the simple fact why provide that information when I 'm already voluntarily paying XXXX faithfully. The rep stated that the only other way it wo n't go on my credit is if I agree to pay the monthly minimum of {$25.00} a month for each bill which will consist of {$75.00}. I agreed to pay that which I did. Well come to find out they lied and still reported it to my credit.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 
Statement of Pertinent Facts : On XX/XX/XXXX case # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Transunion with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 
Despite this, Transunion failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. Transunion response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings.

Legal Basis for Complaint : 1. Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. Transunion 's refusal to comply with this requirement constitutes a direct violation of federal law.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : Transunion failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 
3. Precedent Case Law : o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 
o XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 
Summary of Noncompliance and Violations : Transunion 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, Transunion 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Checking or savings account

My tax return was mistakenly setup to be disbursed to an account that has since been closed based on prior tax filings. I have an active account with the same bank. The money was received by the bank on XX/XX/XXXX. I called and discussed with them on XX/XX/XXXX and they opened a claim. I was told it would take up to two business days to process the transfer, why does it take this long? 

I waited the two business days and called on XX/XX/XXXX when there was no money. I called the bank again and was now told their policy is all money received to a closed account is returned to the sender after 24 hours. So my money was sent back to the IRS on XX/XX/XXXX. How does Chase bank have a policy of two business days to get transfer money as they stated while at the same time have a policy to send money back after 24 hours? 

So they sat with my money for 2 days and then send it back while an open claim is in process to put it into the correct account? I now have to work with the IRS to have the money converted to a paper check and mailed delaying my funds by up to 3 weeks.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. 
I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed XXXX transactions which remain on my report. I have provided the creditor and credit bureaus proof that I am a victim of identity theft and they refuse to update my report. I have provided the police report which included the accounts, along with the report number, and name of the suspect. These companies are violating my rights and federal laws under FCRA Section 623 ( a ) ( 6 ). My report is inaccurate and it is not only affecting myself but my family. The credit bureau and creditor has failed to abide by federal laws which is effecting my livelihood. XXXX XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX are all creditors that Ive never done business with, and have not provided sufficient documentation to determine how account ownership was determined.
Product: Credit reporting or other personal consumer reports

I have requested evidence of the original contract between RESURGENT/ LVNV FUNDING LLC and the original creditor on multiple occasions. However, they have failed to provide this documentation as well as to prove the claimed amount. I request detailed entities of all purchases, dates, and payments of the alleged debt account. Not just a statement, How did it get to be the claimed amount? They have not provided any accounting, full disclosure account ledger. There is no original contract in existence with the signatures of theoriginalcreditor, myself, and RESURGENTLVNVFUNDINGLLC. No promissory Note. Despite all requests of documentation validation. RESURGENT/LVNV FUNDING LLC continues to pursue this alleged debt without providing the required documentations. This has caused me undue stress and confusion, as I believe I am being harassed for a debt that is not my responsibility. Please Investigate this matter As per UCC guidelines, a valid claim requires proof of the original contract. Without this documentation, their attempts to collect on this alleged debt are baseless and constitute a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BRCLYSBANKDE XXXX Balance : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.