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

Violation of Fair Credit Reporting Act ( FCRA ) by Experian and XXXX Improper Investigation of Credit Report Disputes To Whom It May Concern, I am submitting a complaint against Experian and XXXX regarding their failure to properly investigate and resolve disputes about inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
I have sent multiple dispute letters to both companies regarding the erroneous information listed on my credit reports. However, they have failed to conduct a reasonable investigation into my disputes ( 15 USC 1681i ). Correct or delete incorrect or outdated information ( 15 USC 1681c ). Reinvestigate the errors, even after they were flagged for removal ( 15 USC 1681s-2 ). Fail to respond to my dispute within the required timeframe. 
Furthermore, I was recently made aware of a CFPB lawsuit against both companies for similarly failing to conduct proper investigations into consumer disputes. The lawsuit alleges that these credit reporting agencies are improperly handling dispute investigations, potentially harming consumers ' access to credit, housing, and employment. Given this legal context, I believe my experience mirrors the issues the CFPB is investigating, and I am seeking, immediate correction of the inaccurate entries on my credit report. A proper investigation into the disputed items, in line with FCRA requirements. An explanation as to why the errors have not been rectified or investigated properly. Compensation or resolution for any harm caused by these incorrect reports, if applicable. The inaccurate accounts are : 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  Please confirm receipt of this complaint and provide me with updates on its status. I request a prompt resolution of this matter and ask for confirmation that the credit reporting agencies will comply with the FCRA moving forward. 

Thank you for your time and attention.
Product: Money transfer, virtual currency, or money service

XXXX has said to JP Morgan Chase back on XX/XX/2024 that they were authorized to return the money to my back which is XXXXXXXX XXXX XXXX XXXX in XXXX XXXX IA, till this day I have not received any money back. Ive tried to call the person in change of my case with JP Morgan Chase named XXXX XXXX XXXX and she never answers my phone calls. I dont understand if XXXX has authorized them to return me the money to my bank XXXXXXXX XXXX XXXX XXXX why havent they done so yet since the beginning of XXXX. Please help me this is over {$18.00} XXXX, that am still waiting to receive back.
Product: Credit reporting or other personal consumer reports

1. Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I am inundated with persistent phone calls from debt collectors, both during the day and late into the night, pressuring me to settle a debt that I have no recollection of. Despite my courteous appeals for them to refrain from contacting me, they relentlessly continue to call from an assortment of different numbers, sometimes reaching me as late as XXXX XXXX In my efforts to clarify this situation, I have requested a detailed account of the purported debt ; however, my inquiries have gone unanswered, leaving me without any information regarding this matter.
Product: Credit reporting

the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 



I request that you update, block, or remove the inaccurate accounts and unauthorized
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.
Product: Debt collection

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
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 : GECU Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 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: Money transfer, virtual currency, or money service

I sign a contract with XXXX XXXX XXXX XXXX on XX/XX/2021 to do a garage. I send him {$4200.00} and {$1700.00} thru XXXX Bank Of America XXXX has XXXX Bank. I pay {$2700.00} for concrete to a company. XXXX XXXX disappear and stop answer my calls and messages on XXXX so I contact Bank Of America I did a claim explaining that I was being scam by XXXX but Bank Of America did not approved my claim. Bank Of America refund me {$2700.00} from concrete company but concrete company call me that if didn't pay them they were gon na sue me that I had to get the money from XXXX so please don't do anything against concrete company. ( while I did the claim thru Bank Of America XXXX send me {$2000.00} by XXXX. In total he stole/scam {$6600.00} I'm appealing that in court but its taken a lot XXXX has bench warrant cause he did not show to court. I hope you can help me in any way so I can get my money back soon. Thanks
Product: Debt collection

Tranfer to another lender dont have a contract with them never receive a letter
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 Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 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: Debt collection

I sent a letter to Nationwide Credit & Collection , Inc., located in XXXX XXXX, IL dated XX/XX/2020. I requested for them to allow me to verify this account. I have not received anything from them. However, I received a phone call asking for this account. This person was not a very nice person. She wanted for me to verify my birthdate before she was able to speak to me. I told her I did not know why she was calling me. Instead she hung-up. You will find in the attached letter what it was sent to them. The letter was sent via certified mail with a returned receipt ( # XXXX XXXX XXXX XXXX XXXX ) and they didn't acknowledge that the phone call was illegal. I have requested for them to send me a breakdown of fees from the medical facility, and to provide me a copy of my HIPAA with my signature on it. In inclusion to cease any credit bureaus until this account is verified. They have violated the FDCPA and FCRA. They continue calling without any disregards of this letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian XXXX and XXXX a a letter asking them to please investigate my personal information showing on my credit report that is incorrect. I attached a copy of my Driver License Social Security card proof of my current employment ( business card ). I asked them to delete or remove these disputed items and send me notifications that the items have been deleted off my credit report and to forward me a copy of my current report after the corrections. As of today XX/XX/year> they have failed to correct my personal information showing on my credit report and I have had to pay third party services to obtain my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

Chase bank has been negligent in handing fraud that happened on my account. They have made us spend hours on the phone and their investigations always say case closed and money won't be returned.

Chase made a mistake and send a debit card to a town I've never lived in and the fraud happened over two months, but I was never notified because the phone number on the account was also changed.

The executive office hasn't been helpful. I've emailed the CEO of chase bank with no response. 

This is substandard in how they are denying my case and I believe my information was compromised by an inside employee.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts resolved. The consumer financial protection versus has recently filled 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 along with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im Requesting immediate corrective action to remove or amend the dispute accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Hello there are several things wrong with my Credit report I have repeadtely sent letters and asked Equifax to comply with FCRA and USC what Congress put into place to protect consumers. I have incorrect reporting dates opening dates along other violations.
Product: Credit reporting or other personal consumer reports

Per 1681 ( e ) ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. XXXX  has failed to provide basic accuracy only displaying 13 out of 65 months of payments. Leave XXXX precent unanswered.
Product: Mortgage

My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.
Product: Debt collection

company sold my information to a collection agency i did not give permission to.
Product: Debt collection

I called the company numerous times finally they agreed to remove it from my credit. They only removed it from one bureau. I am trying to buy a house and I do not want this on my credit at all. It is a debt that I do not owe
Product: Credit card or prepaid card

I purchased a XXXX from a breeder and used my credit card to pay in XXXX. The puppy started having ailments in XXXX and I reached out to the breeder. The store was closed. I even took a screenshot. I had to take the puppy to a vet in late XXXX and paid out my pocket. 
I reached out to Bank of America in XXXX and initiated a dispute. 
I advised I purchased a warranty and the breeder is closed. I realized XX/XX/XXXX that the credit was reversed. Being XXXX weekend, I had to wait till today to call Bank of America. They advised the breeder responded and that because they did not receive a letter of 2nd opinion from me, the dispute was in favor of the merchant. I advised them I could not get a 2nd opinion as the initial vet treated her. I mailed them the invoice specifying the ailments with a prepaid envelope they sent me. At this point, my dispute is that the dog was ill and the breeder was closed, they never called me. 2nd opinion does not matter at this point.
Product: Credit card or prepaid card

Made a purchase from XXXX 's using the buy now pay later company called Affirm. The purchase was for {$660.00} but was approved for {$2000.00}. Only used the {$660.00} and now Affirm is demanding that I pay them on the value of the {$2000.00} rather than the actual purchase amount. 

I returned the items to XXXX 's and called Affirm to inform them that I had returned the purchase. I was told by the representative that I still have to pay them {$330.00} even though the items are returned and I have a return receipt. 

Affirm is a fraud and taking advantage of consumers. Affirm is demanding that I pay them {$330.00} when I have returned the items, have a receipt of the items returned. 

Affirm need to be honest and stop trying to dishonestly take money from consumers when they do not owe Affirm
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX  ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

i do not recognize these credit inquires and i have asked for them to be removed. the bureaus didnt remove i am providing a identity theft report and requesting them to be removed because they are inaccurate and not mine.
Product: Debt collection

Lvnv funding keeps threatening me claiming my debt is with them solely. They have bought my debt i have no signed any papers with lvnv claiming this debt they refuse to remove debt i don't owe them and they keep threatening to have me sued and jailed over debt
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.