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

XXXX is a TransUnion affiliate that is reporting a bankruptcy to TransUnion and TransUnion has reported this bankruptcy On my credit report and they have put in the date of furniture that the US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXXXXXX DIVISION which is false, attached is a copy of a letter from the US BANKRUPTCY COURT XXXX XXXX OF XXXX XXXXXXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. XXXX is falsely stating this information to TransUnion and TransUnion is show this falsely information on my credit reports and have yet removed this information from my credit report.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my car have been giving issues. I took it to XXXX XXXX  for them to check what was giving the issue and they told me I will need an update tcm mod, but the part been on backorder for the past 9 months now. They also told me I need the change both of the actuator which I did, and that the car was having an oil leakage to I took it to my mechanic and thought that wouldve help but the mechanic realized the leakage was coming frm the transmission. So I took the car to the transmission shop and they told me in order to fix it I will have to pay over XXXX. I tried calling the dealership and they kept telling me the person that sold me the car isnt in until a certain time when I call back they kept telling me the person isnt in as yet. At this point idk what to do. Not the car is in my drive way parked because it wouldnt start. Im here paying XXXX a mth to the finance company and XXXX for my car insurance while Im taking XXXX to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XX/XX/2021. Once again. I tried disputing this and it was not successful in addition, i found some inquiries on my credit report and it was unauthorized. I have reported this plenty of times and they have not removed it. On XXXX XXXX i found badcock furniture place, XXXX XXXX XXXX XXXX, and XXXX XXXX as a hard inquiry. As well as everytime i call to dispute this. it is always an issue. Wheareas the other credit bureaus have removed this fraudulent activity. Im getting tired of this company and a resolution needs to be made. I was told some documents that is needed to verify my identify and they have refused to upload this information.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I sent a multiple inquiry removal letter to Equifax on XX/XX/2018 by certified mail in order to dispute information in regards to some inquiries that were being reported on my credit report. I received the response letter back XX/XX/2018 .The response I received are all the same, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it's file. The fact that I receive a response in less than a week after my receipt of certified mail, one can assume that there was no investigation into this matter. I plan to purchase a home next year and having this many inquiries on my credit report display as sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not SIGN for anything period. This is unfair practices by credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Debt collection

I obtained a copy of my credit reports and discovered an account under XXXX XXXX XXXX pertaining to a collection. I sent my first letter ( XX/XX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XX/XX/XXXX )  again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written to Equifax on several occasions that i wanted to see how several accounts that they are reporting are valid and accurate. i have asked for proof and for them to show me a legal and binding agreement or contract. the accounts are as follow : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX
Product: Mortgage

1st Florida Lending, XXXX XXXX XXXX XXXX XXXX co-conspired to manipulate purchaser to overpay fees and points for the highest available rate by failing to communicate in a timely manner, changing the terms of the loan two hours before closing, and not providing disclosures in advance of closing. Delayed closing for over two weeks putting purchaser at risk of losing XXXX XXXXXXXX deposit. After closing 1st FL Lending, XXXX, and XXXX co-conspire to force foreclosure by refusing to make corrections to closing documents and imposing undocumented excess of escrow.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
RESIDENT VERIFY - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Product: Mortgage

On XX/XX/XXXX my home was affected by hurricane Irma. I contacted XXXX ( my flood insurance company ) and was assigned to Mr XXXX as the person to handle the claim. Mr XXXX suggested start removing drywalls in order to stop any mold issues that might come up due to the flood, so I did. The street where we live was flooded and in order to reach the house we must use raised trucks, canoes or military vehicles. 
On XX/XX/XXXX I was issued a check by XXXX for XXXX for damages the house had. I was deceived by XXXX XXXX XXXX  by being told to sing the check and mailed to them so they could send it back to me as soon as possible. I topped my credit cards to the limit, I used a money from my flooded car, I got a loan on my 401k in order I even got loans from my siblings to do the repairs, we did new kitchen and bathrooms, install a water heather, redo the floors, etc. I was trusting XXXX XXXX XXXX to send me back my insurance money and pay all my bills. My insurance money was denied on the basis that I needed contractor documents when I didn't use a contractor. We did all of the work ourselves. We had recently moved to Florida, and I had no idea how things work here, so we went ahead and did the repairs. I constantly told XXXX XXXX XXXX that we did all the repairs ourselves, that we never used a contractor, that we don't have any contractor documents, that we needed our money to pay our bills. All was to no avail. They kept denying our money. 
On XX/XX/XXXX an Inspector was sent to my house by XXXX XXXX XXXX and concluded the all the repairs were done 100 %. After the results from their own inspection, XXXX XXXX still refused to give us our money. I grew frustrated with XXXX XXXX XXXX  and told them that I will stop paying the mortgage, now they're threatening to foreclose on my home. 
XXXX XXXX XXXX  is committing a fraud by deceiving us, by making us believe that they are here to help, at least that is what they said when I contacted them and told them we were hit by the hurricane, and believe me, that is not true. 
After we survived hurricane Irma, and got tired from repairing and remodeling our home, after we got frustrated and upset about about dealing with a mortgage company that enjoy taking advantage of us, it is time to say enough. Enough of  doing business with an unethical mortgage company.
Product: Prepaid card

I filed a Dispute about XXXX I never got out the ATM. 3 months later they are still telling me the same thing as I first day. File a Dispute and we'll be in touch. That has happened 3x and still no Result. They have stole my money but act like it's ok because I can't prove it. NOT FAIR. NOT HONEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. I'm looking forward that you will resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

XX/XX/year> wells fargo took over XXXX dollars from account saying it was double deposited and I talked to supervisor and she found it was on their side and. I didn't do double deposit. It's. We. Over 10 days and now I have to wait till XX/XX/XXXX to even get info. This is theft and not acceptable. That's a felony charge to steal money. I couldn't pay .y employees and now bills are late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 100 % XXXX XXXX. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I logged onto my BofA app., in connection with my unemployment benefits card. i I was shocked to see my balance. On XX/XX/XXXX {$5000.00} was transferred to a bank account not owned by me ( BofA states in their disclosure that you can transfer funds to another account OWNED BY YOU ). XX/XX/XXXX {$3000.00} was transferred. I don't know if it was sent to the same acct. as the bank will not divulge where my money went. I was told my email was changed to XXXX and my security questions were changed. 
Interestingly, my account had been frozen and I was instructed to go to a branch office and provide two forms of ID. I did as instructed on XX/XX/XXXX, coincidence? The bank employee stood me at the counter in front of God and everyone and had me recite all of my security information, just saying.

I was on the phone with the Bank of two hours, submitting useless claims that were denied a few days later and obviously no investigation was conducted. They cancelled my card and reissued. I never recieved that card. Another card issued, got it on XXXX XXXX, XXXX i Planned to withdrawal the remaining balance but couldnt make it to the bank till the next day. On the way to the bank i logged on to the app, {$3000.00} had just been transferred. You would think the bank could have denied that transaction and pull the funds back but NO! Another denied claim stating the transfer was authorized. I finally got my statement and it said that XXXX took the money, seriously? How could I be in cahoots with them? XXXX said there is a law against them taking money from claimants accounts so they did not take it. Please help me. Taking them to small claims seems daunting and i give up {$1000.00}.
Product: Money transfer, virtual currency, or money service

My account was frozen without any reason and I was conducting business in good faith. Money are frozen and can't be lifted within next 180 days. My account was frozen without any reason and I was conducting business in good faith. PayPal didn't nor state the reason why they did it, nor they even allow me to appeal the case. 
Reference : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about user safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX and Experian regarding their unlawful actions and inaccurate reporting of my credit account with XXXX XXXX. Despite my repeated efforts to rectify the situation, XXXX has persisted in reporting my account negatively even after I filed a Recession of Contract with XXXX XXXX. This has resulted in severe harassment, bullying, and an inability to terminate my contract without further detriment to my credit report. 

My grievances against XXXX are outlined as follows : 1. Violation of Consumer Rights : XXXX and Experian 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a Recession of Contract with XXXX XXXX, XXXX has continued to report my account negatively, obstructing my ability to exercise my legal rights. 

XXXX. Inaccurate Reporting : XXXX and Experian persistently reports me as late on payments to XXXX XXXX, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. 

XXXX. Harassment and Bullying : XXXX and Experian 's continuous negative reporting has subjected me to relentless harassment and bullying from XXXX XXXX. Despite my Recession of Contract, XXXX XXXX refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. 

Furthermore, on XX/XX/XXXX, XXXX and Experian reported a late payment to XXXX XXXX and Experian, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although XXXX and Experian corrected the status the following day, my credit score on XX/XX/XXXX erroneously shows late payments of 30-60 days, causing me considerable mental distress. 

I am invoking my rights under 15 U.S. Code 1640 and 12 CFR Part 1026 ( XXXX XXXX  ) to seek civil liability against XXXX for their unlawful actions. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against XXXX for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that XXXX be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. 

Attached is relevant documentation, including correspondence with XXXX, Experian and XXXX XXXX, to support my complaint. Please feel free to contact me if additional information is needed. 

Thank you for your attention to this urgent matter.
Product: Payday loan, title loan, or personal loan

The company attempted to take unauthorized funds from my account based on what they said was online approval, which I can confirm I did not approve. I am currently in a chapter XXXX and did not realize I could not take out a payday loan so I attempted to work out a plan to pay the original amount, which they agreed upon of {$700.00} instead of amend the plan where they would be considered a non priority unsecured debt and receive nothing. They attempted ( after agreeing to the original amount ) to add a ridiculous amount of interest and say the amount is over {$950.00} and still accruing. They are a tribal loan and are not a registered lender in the state of WI. 

This is their agreement " The laws of the Tribe and applicable federal law will govern this Agreement, without regard to the laws of any state or other jurisdiction, including the Conflict of Laws clause ( s ) of any state. You agree to be bound by Tribal law, and in the event of a bona fide dispute between you and us, Tribal law and applicable federal law shall exclusively apply to such dispute ''. They are charging 557.91 % interest on a {$700.00} loan which would be over {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting inaccurate information in regards to my XXXX  XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License Driver 's License Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I do not recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report.

Thank you for your assistance. 



Sincerely, XXXX XXXX XXXX