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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate 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 notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected not removed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Consumer Loan

I refinanced my XXXX XXXX ( XXXX ) with XXXX and they paid on XXXX XXXX, it off on XXXX XXXX. XXXX sent the monthly bankdraft payment through my my checking account on XXXX XXXX. The {$1200.00} drafted through my account after they were paid off by XXXX XXXX. I talked to several people in the XXXX FINANCIAL ERVICES AND I WAS TOLD IT WOULD TAKE 21 DAYS TO REFUND MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct # XXXX  The information being reported on credit report is still inaccurate! I have filed an initial dispute then another dispute TWICE with EQUIFAX about the same information and they updated the information again with INACCURATE information is still INCORRECT. The information is affecting my credit score negatively and I DEMAND THIS ACCOUNT BE REMOVED FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I am a concerned consumer and want to ensure that my accounts are being reported XXXX  % across the board to the credit reporting agencies. I am fearful this may not be the case and have not received this confirmation from this company yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX : {$27000.00}, XXXXe XXXXXXXX Balance : {$300.00}, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : name # XXXX XXXX. Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX. Account name : # XXXX XXXX XXXXXXXX. Account name : # XXXX XXXX XXXX. Account name : # CXXXX XXXX XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX XXXX. Account name : # DEPT OF EDUCATIONXXXX XXXX. Account name : # DEPT OF EDUCATIONXXXX XXXX. Account name : # DEPT OF EDUCATIONXXXX XXXX. Account name : # DEPT OF EDUCATIONXXXX XXXX. Account name : # DEPT OF EDUCATIONXXXX XXXX. Account name : # DEPT OF EDUCATIONXXXX XXXX. Account name : # XXXX XXXX  XXXX. Account name : # XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX  XXXX. Account name : # XXXX XXXX XXXX. Account name : # XXXX XXXXXXXX. Account name : # XXXX XXXX XXXX. Account name : # XXXX  XXXX XXXX XXXX. Account name : # XXXX  XXXX XXXX XXXX. Account name : # US DEPT OF EDXXXX XXXX, Account name : # XXXX XXXX XXXX  XXXX XXXX Account name : # XXXX XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed things are incomplete and not accurate. And according to the fail credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C. 1681 ( e ) ( b ). According to 15 USC 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In generalif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 20 inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX, XXXX XXXX, put collections on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( LINCOLN TECHNICAL INSTITUTE, XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
Product: Debt collection

Im trying to buy a house and purchase a new car, And this is causing deformation to my character and livelihood, Its holding me back from reestablishing myself, This account is more than XXXX or XXXX years old and there still reporting late payments and innacuarate amount, debt has been sold or closed but is still reporting to my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.
Product: Money transfer, virtual currency, or money service

Company : VENMO My account was locked in XXXX ( ish ) time frame due to trying log in 3x ( due to could not remember password ). I reported the problem on Venmo website ( XX/XX/2022 ) and per their immediate response ( thru email ), they assigned this case to their special account specialist and there would be someone to contact me via email within 3 weeks On XX/XX/2022, I received email from XXXX XXXX ( support venmo ) that they asked me to post my US ID and a picture of myself holding the ID to their secure link. 

On XX/XX/XXXX, I responded back via email that I'm concerning the safety of posting my pictures on their web link ( even though per claim it's secured ). The concern was due to I have never been asked to do that by other security banks, phone, ect... to verify my identity. Within that email, I've requested for a phone call ( which I supply my phone # on that email ). 

On XX/XX/XXXX, I received response from XXXX which say understanding of my concerns but they have not provided other secure way to verify my ID. They stick to post my ID to their web link. 

On XX/XX/XXXX ( due to my unavailable schedule to check email, that's why I didn't check email often ), I called their customer service and start complain but this phone call could not connect to Account specialist ( based on their input, Account specialist won't have a direct phone call with customer but only via email ). After the phone call, I responded to XXXXXXXX XXXX email ( from XX/XX/XXXX ). I was very upset as nothing being done. In that email, I even propose to do video phone call to show my ID online face to face. 
On the same date ( after my phone call ) at XXXX PDT, I also received email from XXXX XXXX said that there was a one-time code sent to " ... someone else email '. This had prompt my response to why they send the code to someone else email. 

On XX/XX/XXXX at XXXX XXXX, I received email from XXXX which stating their concern about privacy and security but then again keep asking me to post my ID to their web. 

I responded back that what they said about their security is just their saying. There is no proof about that. I've requested again to do either video phone or I can go to their local office which I saw on their web page to do face to face for verification ( I asked for the correct local address ). 

There is no response since then. 

I'm very concern about their lack of privacy and security and the way they handle business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I had scheduled payments from my checking account to be paid with capital one credit cards. I had two cards with them. They payments were returned because I wasnt aware capital one takes several days even a week to process the payment. However I scheduled a third payment because the first two times the funds werent there because I was under the impression capital one would process within 1-2 business days. Didnt think it was a big deal. At the time I had XXXX in my savings so wasnt worried. The bad luck came when my wallet was stolen. The person used over {$750.00} from my checking account alone with swiping my credit cards for anything he could get. Because he used the {$750.00} in my checkings the third payment with capital one was returned. He also used my capital one credit card and I never received a fraud alert. To my dismay because of the third returned payment capital one without notifying me shut and closed two of my credit cards. My score dropped 30-40 points because my credit limit dropped and they closed one of my oldest credit history accounts. They also forwarded me the balance of {$1500.00} of the card I had to pay or it went to collections. I have proof the third repayment is fraud and they refuse to reopen my accounts or take the closed accounts off my report. They also never investigated the fraud or notified me someone else was using my card. I was punished for having my car stolen.
Product: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of XXXX XXXX. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

Despite living exclusively in the United States for over 8 years now bank of America keeps sending me threatening notices requesting update in my residency documents because I am a citizen of XXXX. They once refused to accept the document I provided ( simply because it was not in their list of accepted documents ) and put a freeze on my saving and checking account forcing me to close my account with them. I still hold an old credit line with them and the letters keep coming like clockwork with a very short deadline ( few days ) for document submission and they threaten to freeze my access to the credit cards. This has happened over the past 8 years continuously even though I have a clear source of salary from my job which I completely use for my everyday living in the US. I had zero overseas purchase or anything that can be remotely related to a sanctioned country. I kept my legal residence here in the US for all these years and haven't even left the country since my initial arrival in XXXX 

This is a textbook violation of the federal equal credit opportunity act which prohibits creditors from discriminating against credit applicant son the basis of national origin. 

I am working with 4 other creditors and banks in the US and and unlike what they claim, BOA is the only institution that has this unreasonable and discriminatory policy.
Product: Mortgage

FACTS XXXX. An application for a joint refinance was submitted without my knowledge or approval. 
Borrowers XXXX and XXXX XXXX XXXX. When I requested a copy of the application that was used for the loan I was sent an incomplete copy of an application which contained no signaures. 
XXXX. Assets used were not 100 % of the applicants. Pending divorce order at the time specified a split of XX/XX/XXXX of retirement. 

XXXX on XXXX XXXX I was forced under duress to sign loan documents. XXXX XXXX was aware of this plan and participated in manipulating me to sign for the refinance. 

XXXX forced to sign a " quit claim deed '' XXXX after I was used on the application to get my ex approved. Just prior to this, he did not qualify for even a new rate and term refnance. ( proves there was less than standard acts of practice to get this loan approved. ) XXXX. This act cost me significantly in the XXXX XXXX Prior to XXXX XXXX my ex ( divorce XXXX ) along with XXXX XXXX submitted an application with my personal information and signature ( my name is on deed and loan documents ). Loan # XXXX XXXX On XXXX XXXX the loan documents were presented to me for the first time ( when I was forced to sign under duress and threatened by ex 's atorney with sanctions and contempt of court. ) XXXX XXXX was aware of our pending divorce and knew that I would be forced to sign the documents for the joint loan that had been approved using my AZDL # & social security number that were used as required on a loan application for a joint refinance, without my knowledge or consent. 

When I requested the loan application from XXXX XXXX, I was sent an incomplete application without any of my information or signatures. 

My ex, XXXX XXXX could not qualify for a refinance and had a limited time to qualify or I would get the home in question. Prior to this refinance XXXX could not qualify. I qualified on my own to refinance and buy XXXX out of the home.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ONLINE INFORMATION SER 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 card or prepaid card

Their website has been down since the end of XXXX for " system maintenance ''. You can not log in at all. It does not recognize your account information at all and you can't check your balance, purchases or make a payment. They do not answer phone calls and nothing is being resolved.
Product: Mortgage

I have been in contact with my Account Manager for Fay Servicing in regards to my mortgage. There have been issues previously with the account that the last account manager XXXX XXXX did n't resolve. I have been unemployed, but I have been trying to work with Fay Servicing in regards to repairing my status with the mortgage company. I informed the new account manager that I want to save my house and even went into a Forbearance/Trial Plan Agreement even though I did n't really have the money to pay the mortgage and the rest of my bills. I informed my account manager that a {$50000.00} payment was going to come from the NJ Hardest Hit Fund. They finally received the payment in last week of XX/XX/XXXX. I have other bills to pay that include the water bill and XXXX XXXX XXXX that takes preference and I was trying to make an arrangement with Fay Servicing. When I looked at statement from Fay Servicing that I received in the mail it said that on XX/XX/XXXX a total of {$38000.00} ( You must pay this amount to bring your loan current ). Now I already submitted a payment of {$1100.00} on XX/XX/XXXX to be applied to may account and I know that the {$50000.00} would cover the {$38000.00} to be my account current. Now Fay Servicing has informed me that they applied the {$50000.00} to my account, but they said that I have an outstanding balance of {$2800.00}. I know that they did n't apply the full amount to my mortgage in order to make it current.