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

I am filing a formal complaint against Experian for its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my multiple disputes and the submission of supporting documentation, Experian has failed to remove or correct inaccurate and unverifiable accounts, leaving them unresolved and continuing to harm my credit standing. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic violations, including failing to forward consumer-provided evidence to furnishers, relying on unreliable responses, and failing to adequately notify consumers of dispute outcomes. My personal experience aligns with these allegations, as Experian has not conducted a legitimate investigation into my disputes, nor has it provided any justification for refusing to remove or correct the inaccurate accounts in question. 

XXXX failure to comply with its legal obligations is a direct violation of my rights under the FCRA. Therefore, I am demanding immediate corrective action to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the CFPB take immediate action to hold Experian accountable and ensure full compliance with federal law. I expect these accounts to be permanently deleted due to Experians failure to conduct a lawful and reasonable investigation. Please confirm that the necessary corrective actions will be taken. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I had a hard enquiry on my Experian credit on XX/XX/year>, which i do not recognize. This is a fraud. someone had tried to access my credit report and apply for a credit card on XXXX XXXX. I wanted this hard enquiry to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained several times about a bank loan on my credit report. I lost my job during covid and was unemployed for over a year. I called to make payments with the bank as they were still listed on my credit report. However, they informed me that they charged this off over a year ago. I then called the number of the 3rd party that bought the debt, but to no response. 
I've asked Experian to take the charge off from XXXX but they never called them to verify that XXXX sold the debt and charged it off. It still remains on my credit report for XXXX unpaid months. In summary .... 
XXXX charged off my debt to another party. 
Experian keeps reporting monthly that it's been late ( Now counting over XXXX times ). 
Experian has not investigated this matter. If they did, they would realize that the bank they are quoting as late payments charged off my debt over a year ago. 
I've written and called Experian several times, but they do not listen or do anything. Pathetic. 
Thank you for your help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was invited by a friend to join an investment fund promoted by XXXX XXXX XXXX via XXXX XXXX I made four deposits to Coinbase.com via Wire Transfer : 1 ) {$6400.00} on XX/XX/2022 XXXX ) {$1000.00} on XX/XX/2022 XXXX ) {$8000.00} on XX/XX/2022. 
XXXX ) {$5000.00} on XX/XX/2022. 

The money was converted to XXXX XXXX then sent from my Coinbase Account to my Coinbase Wallet  : XXXX The following link shows my transaction history with my seed code above : XXXX XXXX XXXX? XXXX XXXX XXXX is a Ponzi Scam that begin early XXXX, XXXX. 

As of XX/XX/XXXX, the funds are now missing, gone from the wallet. It wasn't transferred out and my account wasn't hacked. 

I received a message by XXXX  from XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX '' demanding I pay 10 % of my earnings to a third party USD Tether Address or transfer 20 % of the earning to my Coinbase wallet, otherwise my funds would be frozen. 

XXXXXXXX  is not partnered with Coinbase, XXXX, XXXX or XXXX XXXX as they claim. 

To my knowledge there are 1000 's of investors like myself who have lost a lot of money in this crypto currency ponzi scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open a loan with the XXXX XXXX the company they referred is Comentity BankXXXX they are reporting it as a credit card when its a set payment by reporting it as a credit card its saying I have 103 % maxed out my credit card I have no physical credit never had one with this company its a loan One of the biggest problems it has hurt me with my new credit cards interest rates and low credit score coatings me a lot in interest Im being charged because of the false reporting I spoke with them on the phone XX/XX/2022 they said its like a credit card once I explained I didnt have a physical card she transferred to two departments that had no clue what I was saying please help its destroying my credit
Product: Credit reporting or other personal consumer reports

I am sending this letter to your agency to dispute information on my credit report due to the accounts that were opened fraudulently under my name. 

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: Student loan

I have reached out to Navient concerning the ability to benefit back in XXXX and also sometime in XX/XX/XXXX and also XX/XX/XXXX. I was advise that I didnt qualify because I self proclaimed I had a high school diploma. When I sent over documents that was requested I sent over my my high school transcripts as well to show I had not diploma at the time when I attended the school the school I got my loan for.
Product: Credit reporting

TransUnion is reporting account number XXXX with XXXX that is an Authorized User account and is not mine. This account was never mine and should have never been on the report.
Product: Debt collection

Last reported date - XX/XX/XXXX Creditor Name - XXXX XXXX Supposedly Opened on - XX/XX/XXXX Limit - {$500.00} Payment Status - Collection/Charge off Creditor Contact Details - XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number - ( XXXX ) XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB XXXX XXXX
Product: Debt collection

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to XXXX XXXX XXXX. I refuse to pay a debt, I do not owe. I also do not wish to contract with XXXX XXXX XXXX. This has caused me job loss due to negative and false information published by this debt collector, which made me suffeXXXX XXXX  and XXXX. This debt company negligence has caused me to seek medical attention.
Product: Debt collection

LVNV Funding appeared on my credit report. I asked them to verify the debt because I never heard of the company before, and XXXX allowed them to stay on my report without providing any of the information that I asked for. They have never sent one piece of mail to my home, but they get my information and mess up my credit. This is unfair.
Product: Mortgage

We were in debt trouble in 2008. So we apply for this Home Equity loan In XX/XX/2008 with XXXX XXXX Chase. The home estimated value was around {$60000.00} with an first mortgage also around {$40000.00}. They offer us a loan value {$95000.00}. After 14 years of paying on this loan the amount is current at {$85000.00}. We have been trying to find a way out of this loan but the home value has not no where come close to refinance. My question is this loan consider to be an subprime or predatory lending loan? If so is there a way out?
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings account. Capital one misrepresented the 360 Savings account as having one of the nations highest interest rate yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

I do not owe this debt, Ive never received any notices regarding it. It has impacted my credit and caused damage in my life and has prevented me from becoming a homeowner. I attempted to send 3 letters but they all were returned to sender.
Product: Debt collection

I'm writing, because I dispute Debt with XXXX and XXXX about my credit report and I ask them to Validation and for verification about debt collection. I never receive any mail of my dispute on XX/XX/XXXX the amount of {$6100.00} and {$1500.00} were remove. So on XX/XX/XXXX they a loud a new Third party which I have no idea who these debt collection are. I'm so tried of asking XXXX, XXXX and XXXX to accuracy on my credit report, because the Credit Bureau report inaccurate information meaning different amount, open account, high balance. every month reporting charge-off after it been close. this is a Violation my right to privacy.
Product: Credit card or prepaid card

I, XXXX XXXX, a consumer and natural person, was denied credit by TD Bank, N.A, when I applied for a line of credit.

Taking adverse action against a consumer is absolutely AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C 1691c, which emphasizes that they can not discriminate against credit applicants when the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Pursuant to 15 U.S.C 1692k, TD Bank , N.A . is civilly liable. TD BANK, N.A, is also in violation of the following codes : 15 U.S.C. 1642 15 U.S.C. 1681m 12 CFR 1002 12 CFR 1026.1 20 ( iii ) I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this unauthorized use of my credit card and has caused my credit score to decrease and my business proceedings to suffer because TD Bank N.A. used my credit card and extended no benefit.

Pursuant to 12 U.S. Code 83 banks can not loan their own stock. It is clearly stated and also set in precedence with case law.

A national bank has no power to lend its credit to any person or corporation. 
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

This means it is not their credit that is being extended but MY credit they are denying me access to. I am aware of double banking and how they pull this off and that I am in fact the original creditor. Their role is to provide a finance charge and service my request for credit. 

Pursuant to 15 USC 1602 ( j ) I have an open ended consumer credit plan. Since my credit plan is open ended and TD Bank can not lend its own stock, TD Bank , N.A . in fact has no right to deny my credit request.

Please take note that if TD Bank, N.A fails to make the reasonable procedures to issue the credit I personally guaranteed, meet my said demands below and compensate me for the use of my credit card, I will indeed make TD Bank, N.A criminally liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I have asked them to meet the following requests : 1. Issue the line of credit they used my credit card to access.

Please further in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian in Violation of reporting negligently and inaccurately information on my credit report Misleading False Reporting all account is negligently and inaccurately reporting failing to comply to 15 USC 1681. From Address, Employer Misleading information
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian, and XXXX are reporting late payments for an account that they are claiming is now charged off while XXXX is reporting it as a charge off with no payment history. How is this even legal? I was never late on the following account XXXXXXXX XXXX XXXX XXXX  XXXX first and foremost, and the information is inconsistent between the XXXX credit bureaus. They were notified twice to validate this account that they are inaccurately reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all XXXX bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX XXXX
Product: Mortgage

My wife and I had two electronic withdraws made on the XXXX XXXX and XX/XX/XXXX for our mortgage. We only authorized Regions Bank to withdraw only one payment. 

We called Saturday XXXX XXXX to alert them and Regions bank representative said it would be sent back into our bank account at XXXX XXXX XXXX for the amount of XXXX. They say it would take a few hours on Saturday. Monday they said they didn't send anything to us. Monday we spoke with customer service and the manager XXXX XXXX and he said the money would be to us by Wednesday the XXXX today by noon. The money never came. We talked to a Supervisor on the XXXX and said a wire transfer would be issued immediately and XXXX  bank would put a hold on it. We called XXXX and we talked to a manager named XXXX. 

We still have no money and our bank XXXX emailed us and said they do NOT hold wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Dept of Ed/Nelnet with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Product: Checking or savings account

The company takes zero accountability for their errors and shows less compassion for people on a fixed income. I can not buy food/supplies that my family needs because they have frozen my social security check in their account based off of their own incompetence. I originally had to replace my debit card but was forced to order a third debit card on account of the second never showing up at all. Nonetheless the incompetence and paper pushing money XXXX shows true colors of Experian smart money and XXXX and XXXX in regards to suspending the account for multiple card replacements and spending time on the phone with no knowledge call centers to not help someone get the only money they have to take care of their family. One of the foreigners could barely speak English and was laughing at my situation.
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 # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX 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 anteda
tes 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

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report.
Product: Debt collection

On XX/XX/XXXX I wrote a letter to Medical Data Systems. In this letter I requested information on Debt based on 15 US Code 1692g. This law states that the Debt collector should send in writing to me the right to collect Debt. This can be disputed by the person in which they have a claim against. They didn't send me any notice of collection until it was reported on my credit report on XX/XX/XXXX for XXXX. In my letter I asked for all basic information to validate the Debt. I asked for name of original creditor, name on account, how much it was for and the purchase agreement. This was also apart of a dispute I sent to you on XX/XX/XXXX. I just received a letter back today XX/XX/XXXX that I will attach stated I have no rights to know the agreement between them and the original creditor our there state licenses. That is a direct violation of this law and myself as the consumer. If that was the case anyone in anyway could say they are a debt collector on anything they want.
Product: Prepaid card

On XX/XX/year>, I put {$20.00} worth of gas in my vehicle at a XXXX gas station. A {$170.00} temporary hold was placed on my CashApp card. CashApp 's own policies state these charges WILL fall off within 5 days. It has been 6 days and a representative of cash App told me that the charge is scheduled to fall off on XX/XX/year>, which is clearly not what is in their policies. I rely on such policies by the company. I attempted to speak to a supervisor on 3 different occasions and was unable to do so. The CashApp representatives kept telling me I had to call the merchant. I called XXXX customer service and they told me it was the responsibility of CashApp and i had to contact them. XXXX did, however, on two occasions give me to " codes '' to provide to CashApp which were supposed to verify that the actual purchased had cleared in the amount of XXXX. However, CashApp representatives refused to take the codes and offered me no further customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accts on credit report that are not mine and only Experian and XXXX  are reporting this. I have sent them an affidavit I have mailed them a ftc and filed for Identity theft and this has been for two years and nothing is moving nothing is being done I need to know whats going on this is affecting my credit and I should not be responsible for someone elses cards and someone elses theft. Please help. 

XXXX XXXX - Acct # XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$490.00} XXXX - Acct # XXXXAmt {$330.00} XXXX XXXX XXXX acct # XXXXAmt {$500.00}