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

Experian has failed to fulfill it's legal obligation 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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
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 thatthere is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Federal student loans, serviced by XXXX XXXX XXXX have been paid off for months. My bank, XXXX, and the Experian, show the student loan account as still open with a ~ {$520000.00} balance owed. This error substantially impacts my credit score. Banks sharply limit a potential home loan because this student loan appears open on my credit report. The fact that it takes months and months for this to be corrected is completely unacceptable and the error itself is costing me money. Credit reporting agencies should not be able to hold one 's credit report hostage like this. To boot, Experian is difficult to get ahold.
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 USC1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C1681 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 card

About a year ago, XX/XX/2023, I think, I started noticing fraudulent activity ( exceeding {$9000.00} at one point ) on my Barclays Navyist Credit Card. I immediately contacted them to let them know. Every month, my statement showed new fraud charges to the same XXXX XXXX XXXX  XXXX and others. The scammer also kept trying to change my address. I am XXXX XXXX XXXX. Barclay 's consistently changed my card number ( XXXX ) and each time they allowed the fraud to continue, only removing charges when I received my statement and called them. Each time, I had to speak with a new person and reiterate the issue. Finally they told me they put their highest security block on my card. And yet, the charges continued. Including interest and late fees!! I asked to cancel the card, but they told me I could not as it would impede their investigation. Later, they told me I could cancel, but their policy allows an account to be reopened within 3 months, no questions asked, so it would not be in my best interest to close it as theoretically, the scammer would be able to reopen it and I would not even know. They are now telling me that I owe them {$1200.00} because they made a mistake in charging back to the XXXX XXXX XXXX XXXX  and I must pay back for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since graduating from school in XXXX the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Furthermore, I demand verifiable proof, including documentation bearing my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ].

Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and promptly remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe required by the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I see seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you ( this is called " file disclosure '' ). 

On my report are inquiries and I did not give permission of these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove them now from my credit report it is inaccurate and causing derogatory implications
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX and Wells Fargo regarding a transaction issue I experienced with XXXX on XX/XX/XXXX. I sent {$1500.00} to my husband to pay our mortgage through XXXX using my bank account with XXXX XXXX XXXX XXXX. However, the funds did not reach my husband 's account and have seemingly disappeared. 

After contacting XXXX XXXX XXXX XXXX, I was informed that the funds would clear the next day due to a limit on my account. However, the funds did not clear on XX/XX/XXXX, nor on XX/XX/XXXX. I was then told it would clear by Monday, XX/XX/XXXX. On that day, I had a conference call with my husband, his bank, and my bank, only to be told that the issue was on Wells Fargo 's end. 

Wells Fargo claimed they did not receive the funds and my bank instructed me to file a dispute, which could take up to XXXX months to resolve. This delay is unacceptable as I urgently need the funds to pay my mortgage. I trusted XXXX XXXX XXXX XXXX to protect my money and I feel they should have at least issued me a temporary credit while investigating the issue with XXXX. 

I request your assistance in resolving this matter and ensuring that my {$1500.00} is returned to me promptly. I appreciate your attention to this complaint and look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I can not remember how I heard about XXXX. I applied for a {$3900.00} loan back in XX/XX/2017 not realizing until the other day just how much the interest rate and finance charges I am paying to them. I borrowed {$3900.00} and the total amount I will have paid back is {$12000.00}. I was in total shock. I am paying {$150.00} per pay period. I know in ignorance I did this to myself but is there a law against someone charging 98.23 % annual percentage rate. This is such an awful rip off. Please advise if there is anything that can be done about this.
Product: Mortgage

Our loan is through Loan Depot 's XXXX Branch and started end of XX/XX/2018. I attempted to pay my first payment on roughly XX/XX/XXXX by check as directed, however the check had not cleared by XX/XX/XXXX. I worked with Loan Depot and they had no idea why it hadn't cleared and then attempted to make a payment over the phone, however i could not make the payment over the phone. After spending more time running around with them, they finally figured out they had changed my loan number and that is why i couldn't pay my mortgage. I then called in to pay my mortgage on XX/XX/XXXX, they then cashed the check i sent 4 weeks prior on XX/XX/XXXX. I contacted them and said this XXXX, you took two payments, you owe me 1 payment back. They called me on XX/XX/XXXX the day my second payment was due to tell me they had sent me a check for the mortgage payment they stole in XXXX. This check was lost and i requested a new check on XX/XX/XXXX. I have been contacting Loan Depot for the past 3 weeks now about the replacement check and no one can tell me anything. This company has stolen roughly {$2600.00} from me and is unable to provide me the funds they stole back. I've wasted weeks now trying to get my money back but am getting no where. I need help getting what is rightfully mine from this company.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I remitted via USPS Priority Mail check # XXXX in the amount of {$800.00} which was to cover my XX/XX/XXXX due date for the principal and interest on {$770.00} and the extra to be applied to principal reduction. Per the USPS tracking # XXXX XXXX XXXX XXXX XXXX the payment was delivered on XX/XX/XXXX. 

I have contacted Lending Club by phone and email on XX/XX/XXXX. I also contacted them again by phone on XX/XX/XXXX and I am getting the run around regarding the whereabouts and posting of my payment. I do believe this is an intentional intent to cause harm as this company is aware that this is my second to last payment owed. However, more importantly Lending Club is aware my payment must apply soon in order to avoid a negative mark on my credit report. 

Per the lady I spoke with this morning who stated her XXXX XXXX said they have the right to hold a payment for 14 days once received this is unethical as payments are to be posted when received or in accordance with the stated payment processing schedule per their website. I would like for the payment to be posted per the guidelines and for lending club to stop stealing from consumers by holding funds which generates more interest for them to collect. I am not able to request a proper pay off amount to be remitted for the date of XX/XX/XXXX due to Lending Club 's deceptive ways in handling my payment that is in their office per the post office. I have a copy of every check and postal payment receipt ever issued to Lending club starting with my first payment that was due XX/XX/XXXX! and it has never taken them this long to apply my payments once received via USPS Priority mail.
Product: Credit card

Dear CFPB Team, I am writing to formally lodge a complaint against Barclays Bank in connection with a recent dispute I filed on my JetBlue credit card concerning a purchase made from XXXX. Despite providing ample information that the products I received were defective, misrepresented, and not as described, my dispute was denied, and I was instructed to contact the merchant directly, which has proven ineffective. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays 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 Both the console and the dresser arrived in damaged boxes, and the materials were of poor quality, with the particle board breaking during assembly. 
2. False Advertising : The products were falsely advertised as being easy to assemble, which was not the case. The assembly process was overly complex and time-consuming, spanning more than 20 pages in the manual. 
3. Misrepresentation : The items looked nothing like the pictures on XXXXXXXX XXXX  website, and the quality was far below what was advertised. 
Barclays Response : After filing my dispute, Barclays denied my claim, stating that I needed to contact XXXX directly to resolve the issue. However, XXXX has been unresponsive to my attempts to seek a refund, leaving me without recourse. Barclays did not provide me with any opportunity to explain the situation further or to provide additional evidence to support my dispute.
Product: Credit reporting or other personal consumer reports

Attached : Copy of payment receipt, letters from XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX 


XXXX XXXX 's sent letters about a full payment of {$120.00}. The emails showed only a {$35.00} payment was requiremed. It shows when I logged in to the account there is not a card scheduled for Autopayments monthly. I received a letter my payments were returned or reversed. It is not welcome to reverse payments to my accounts. If they needed a payment dispute it was not communicated during mediation from CFPB. I did not change my password. I had to reset my password to log in to the XXXX XXXX. I could not log in in the past it was a complaint to CFPB. It is still not clear what to understand about scam on the caller ID. 

I notified them through the Consumer Financial Protection Bureau ( CFPB ) of circumstances about their App, websites a complaint of scam as the phone number. I tried to get them a payment sooner through the mediation of the CFPB. They sent notice of having the incorrect bank information. They never had any wrong bank information because I sent details of each circumstances to CFPB. An additional call from XXXX / XXXX XXXX it showed scam on the caller ID was the past complaint. 

A payment of {$70.00} does not show it was added on the App that was paid yesterday XX/XX/year> @ the local XXXX XXXX XXXX, XXXX. The attempts to make use the old debit card numbers causes me to send additional complaints to law enforcement because of suspicion of returned payments. The declines and hindrance from XXXX XXXX has consumed my time and made my credit score poor during emergency and caused the display of criteria of a denial for other applications. Please view attached letters and copy of recent receipts. Please reference past complaints to CFPB to work on this history to be resolved?
Product: Debt collection

i was XXXX and they kept billing me, the account should have been shut off, i wrote them several times while XXXX and never had a response
Product: Mortgage

Using a referral site ( XXXX ), Better.com APR is 2.561 %. But, when you go from the same link to Better.com and apply for the loan ( no data is changed ), the rate is with 4.039 % APR. There is a huge difference and this is misleading consumers and affecting their credit.
Product: Vehicle loan or lease

AFFIDAVIT OF FRAUD I, XXXX XXXX, has being duly sworn, do hereby depose and state the following : 1. Affiant Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone XXXX Email : XXXX XXXX. Vehicle Information Make : XXXX Model : XXXX XXXX XXXX : XXXX VIN : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. Description of XXXX In XXXX, I was a victim of fraud related to the aforementioned truck. I was contacted by XXXX in XXXX, who stated the payments were late on the truck. I cosigned this truck in XXXX, and immediately after, the primary signer XXXX XXXX fled the country to XXXX with the truck. I have had zero contact with XXXX XXXX since that day and have never been in possession of the truck. He successfully evaded authorities until XX/XX/XXXX, his whereabouts never known. He never registered the truck, never contacted XXXX for permission, never had insurance, and never refinanced the truck in his name solely, as court ordered. The court then found him in contempt and the case was filed in XXXX, also. ( XXXX no. XXXX. ) XXXX XXXX evaded the courts and never responded, nor followed the court order. The truck was then seized by XXXX XXXX authorities in XX/XX/XXXX ( XXXX no. XXXX. ) XXXX authorities contacted me and I had the car shipped to the states, so that it could be returned to the XXXX dealership for auction. This truck 's late payments have hurt my credit, I had to pay for the police impound and shipping fees, and I am now getting collection letters. The truck was immediately taken across the border and there has been no contact or sighting since XXXX. 


4. Details of Transaction - The transaction involved XXXX XXXX ( now XXXX XXXX ) in XXXX XXXX XXXX in XXXX. The truck was taken over the XXXX border immediately after the paperwork was signed. 


5. Statement of Truth I affirm that the information provided in this affidavit is true and accurate to the best of my knowledge. 


XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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 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 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: Credit card

I did a application for a Wells Fargo credit card, and it got denied and I received a letter in the mail stating that monthly payments are too high relative to my stated monthly income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted XXXX to remove XXXX XXXX off my credit