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

XXXX has failed to fulfill its 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 XXXX and 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, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. XXXX has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
2. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
3. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
4. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
5. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 

These accounts has never been removed and continues to negatively affect my credit report, making XXXX response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were completed, taking mere days to complete while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure XXXX, Experian and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX- XX/XX/XXXX, XX/XX/XXXX I don't know what this is. 
Sams- XX/XX/XXXX I have a Sam 's credit card and never applied for hotel and travel card. 
Lowes- I have a lowes credit card and never applied for hotel and travel. 
XXXX XXXX I did apply and was approved but never acted on the loan. 
TJX- I never applied for a dual card
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # portfolio recovery Account name : # credit collection Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA and also hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of america responded and once again said I am at fault, basically calling me a liar and a criminal which I am not. 

My debit plus ect. We're STOLEN BEFORE ANY OF THIS TOOK PLACE. 

bank of america is not fixing the issue correctly... I am currently homeless because of how long this has been ongoing. I am sick.. and need help please. I did not do this. My account was being tampered with. Please help me. 
Back in XXXX of XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, were STOLEN .. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXX of XXXX ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. Bank of america fix this issue and return my funds.
Product: Debt collection

I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Credit card

FIA is incorrectly reporting a late payment of {$12.00} that is affecting my credit. This is an FCRA violation. The company erroneously removed my autopayment option from their system. When I contacted them to advise of this, they had no explanation for how my autopay option could have been removed, other than the company went through a system upgrade in XX/XX/XXXX which could have removed this. The representatives I spoke with stated they could submit a courtesy adjustment to remove from burueaus, but it would need to be approved first, and then it could take 30-90 days. This is an unacceptable timeline when it is no fault of my own that their system removed my autopay option. I have been a loyal FIA Platinum Plus Member for 13+ years, and never have missed a payment nor received or received such poor customer service. I attempted to escalate before submitting this complaint, but could not get anyone to help expedite my request for removal from the bureaus. I spoke with the representatives listed below over the course of one week. I would encourage the compliance team to listen to these calls. On several occassions, I was advised that I would receive a call back and never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

: ( XXXX XXXX XXXX, ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX  on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX XXXX XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account US DIST CT on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Citizens Home LOANS STILL AS OF TODAY XX/XX/XXXX my loan is still showing past due!!! Which is Not TRUE!!! Hello I received a email from Citizens One which is my mortgage company saying my loan was past due one month! Which However was untrue I called spoke with a rep in the collections department who was saying same thing then she spoke with a supervisor which I never got a name saying they see the mistake her supervisor was going to fix it but its going to take 10 days I told her no because the last representative who actually took a the payment from me over the phone about two weeks ago said the exact same thing and nothing was never done and now my account is still showing late and were in a new month she said OK hold on Ill get you the supervisor however that did not happen she sent me back to the queue Honestly if you cant handle a problem I shouldnt be sent to a question because the rep did not want to do their jobs correctly!!!! I was sent to a que and spoke with a XX/XX/XXXX who is by the way was very helpful and was trying to do her best to assist me she stated that she will have the issue fixed but its also going to take another 5 to 7 days which I told her the previous two reps told me the exact same thing and nothing has been done yes when I first did my mortgage payment there was to return items I had to take it out of that bank and put it into my XXXX XXXX  which it was done by credit card us be paying the phones were taken out immediately I was there caught by a rep who took the difference of the two something which stated my account was fine itll take some time a couple of days to be updated but nothing was done and I do not want this to be its late or a credit report and not only that our family has been experience a heart ship n this is crazy for nothing to reflect when we are struggling to make ends meet due to covid!!! If Im not available I DO AUTHORIZE FOR YOU TO SPEAK WITH MY WIFE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To close the complaint recapture of 12 U.S.C. Section 92a certification recalls to credit reporting, separation of powers clause the illicit exporting excise exempt personal property certificate assessments Financial Statements XXXX periods in rudimentary analysis to XXXX C.F.R. Part 3052, third parties 12 U.S.C. Section 1832c instrument withdrawal applications, the export auditing identifiers fees due concerning 18 U.S.C. Section 2314 owner exempt tax stamps affected 18 U.S.C. Section 661 Federal Reserve Banking laundering ; the scope unchanged as to third parties sanctions preventive measures against securities underwriting, these transactions, the sales of original issues Customer Name XXXX XXXX. The revised " XXXX XXXX Financial Statements '' appropriation separate applicants review of the interstate export in-bond destination hold port discrepancy identifiers, ( Identity theft 18 U.S.C. Section 1028A ), procedures for duties 19 C.F.R. Part 24.1, in description of third parties withdrawals, 19 C.F.R. Part 18-19, 12 U.S.C. Section 1821d contractors or employees, personam requirements auditee 's book-entries, ( IRS-TreasuryDirect ) and XXXX XXXX, Addresses, Titles, XXXX 's, XXXX 's, Excise XXXX Stamp Rate Uses, Banks-FRB 's, XXXX 's, XXXX Withdrawals ' of, Original Issue State, Original Issue Auditors, Original Issue Treasurer 's, Original Issue XXXX, Original Issue IRS. Separated Appropriation duties payment, XXXX XXXX 's Auditors In bond changes 18 U.S.C. Section 554, customs duties, taxes, fees, interests, and other charges requiring the use of a social security numbers, passport numbers, or driver 's license numbers, Export Applicant 's Auditors States, Third Party Applicant 's conspiracy in connection to Bank-FRB 22 U.S.C. Section 2778, Third Party Jurisdiction and Classification Determination, to extent of state jurisdiction sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I am writing to formally request your assistance regarding a matter involving Midland Credit Management and their reporting practices to the credit bureaus ( XXXX, XXXX, and XXXX ). On XX/XX/year>, I sent a written request to Midland Credit Management asking them to validate a debt they have reported on my credit profile. To date, I have not received any response or validation of this debt from Midland Credit Management. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any debt reported on my credit reports, and the reporting entity is required to provide evidence of the debt 's validity. If they are unable to do so, they must remove the negative information from my credit reports. Despite my clear and formal request, Midland Credit Management has failed to provide any validation, yet the negative information remains on my reports with XXXX, XXXX, and XXXX. 

In my initial correspondence, I outlined the inaccuracies and discrepancies I found in the reported information. The following points summarize my concerns : Lack of Response and Validation : I have not received any verification or evidence from Midland Credit Management to support the validity of the debt they are reporting. 

Incorrect Reporting : The reported debt contains numerous inaccuracies, including incorrect account details, dates, and amounts, which are inconsistent across the three major credit bureaus.

Non-compliance with Metro 2 Standards : The reported data does not meet the compliance standards set by the Consumer Data Industry Association ( CDIA ) for Metro 2 reporting, which jeopardizes the integrity of the reported information. 

Violation of Consumer Rights : By continuing to report this unverifiable debt, Midland Credit Management is in violation of my rights under the FCRA, and their actions are causing undue harm to my creditworthiness and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Recently, I experienced unauthorized transactions from my business account, which left me feeling anxious and frustrated. As I navigated the process of disputing these charges, I couldn't help but worry about the ongoing lawsuits surrounding Zelle, particularly in light of the rising vulnerability of users to scams. It seems that the platform 's lack of robust fraud protection measures has made it easier for scammers to exploit unsuspecting individuals and businesses, leaving many of us feeling exposed and uncertain about the safety of our finances in the digital payment landscape.
Product: Mortgage

XX/XX/XXXX On XXXX XXXX, XXXX I made a request to the mortgage company ( Mr. Cooper ) Asking them not to send a payment from my escrow account for property taxes as I had already paid for the year. They responded asking that I send proof. I sent a copy of the check along with a paid receipt from the tax office immediately. 

On XXXX XXXX, XXXX The payment {$2000.00} was disbursed to the tax office. 

I complained to the mortgage company and was referred to their research company which sent me a letter stating that if an over payment was discovered, It would be returned. 

A month later on XXXX XXXX, XXXX I made contact with XXXX XXXX tax assessor and found out the payment had been returned to the mortgage company. 

I have since sent numerous emails to the XXXX XXXX  of the mortgage company asking for the return of my money and I am now being ignored. To date the {$2000.00} has not been returned to my escrow account. 

I am now trying to avoid the courts by asking for an advocate to help me get my money returned.
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 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 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 or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$1200.00} XXXX XXXX XXXX XXXX XXXX {$100.00XXXX XXXX XXXX  Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$1700.00} XXXX XXXX XXXX Charge-off {$5400.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX. So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.
Product: Payday loan, title loan, or personal loan

I applied for a loan at the bank, and specified their fixed line of credit. I told the bank personel several times and fixed and the amount. She did attempt several times to increase the amount, but I was very specific that it be fixed. I asked what do I get to pay the construction person. She said she could see if I get checks. 

I received the first payment with a variable charge and fee to change to fix although I went in and requested a loan for fix. 
I have requested the fee for variable be removed and she has refused, and states if closed before 3years I will be charged a fee. 
I am writing to find how to fix so I can have fees removed, or loan cancelled. 

Thank you XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I requested a {$50000.00} line of credit. The header I got was {$50000.00}. Then when I clicked to review the loan amounts were much lower and one required collateral.

False advertising and I can not unsubscribe to their constant emails. Click on unsubscribe and then it takes you to a website without the ability to submit. 

I have screenshots I can forward.
Product: Debt collection

During the Covid-19 Pandemic I did not take XXXX dollar of unemployment or PPP funding XXXX The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX