23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I work for a company that my tips as a bartender get deposited every night through a company to my debit card. For the last year there have been no issue up until a week ago. Deposits got sent. The app sent a push notice from USAA that deposit was recieved. When I log in the money is just gone. No deposit shows anymore. The first time it took XXXX days the appear. The next time the funds have been missing. USAA confirmed they see the funds but my account isnt showing the money transaction or allowing access to the funds. Their solution is to Investigate leaving me with no access to the funds I need to use to pay my health care bill to keep my insurance. They absolutely know the company sent the funds, they can see it on their end, however my end doesnt show anymore funds from XX/XX/year>. I was told to wait a couple days and it should resolve. After 3 days I called again l and am now told it could take 45 days and they may not even issue the funds to me at all. 


You can see in the first photo the transfer of the funds to my checking out. Then after I transfers the money the transaction disappeared. Yet some how the money was still in my savings. What bank would allow me to transfer non existent money from XXXX account to the other?? None of them. If the funds dont exist then they can not be used. The second photo shows the funds in my checking account. 

This is clearly a banking issue with either the coding or banking but there not be a reason to hold my money that they can confirm seeing and then make me wait almost XXXX months.
Product: Debt collection

On or around XX/XX/XXXX I spoke with a supervisor at XXXX XXXX XXXX  ( SOC ) regarding a settlement of a XXXX XXXX XXXX  for {$12000.00} and the debt would be considered paid in full and I would received the title. My mother agreed to loan me the money and provided their banking info to XXXX XXXX XXXX for the full amount of {$12000.00} to be drafted XX/XX/XXXX. On XX/XX/XXXX, the full amount was drafted successfully. 
-On or around XX/XX/XXXX I inquired of the success of the wire transaction and requested a letter of confirmation and approximate date when I could expect the title, -On or around XX/XX/XXXX I again contacted XXXX  regarding the title and was told it was on its way. Needlessly to say the paper work from XXXX hadn't arrived in the mail. 

-On or about XX/XX/XXXX I again contacted XXXX  regarding the title and was told it was mailed XX/XX/XXXX and that they would have to mail another copy because the system only generate every 30 days. 

-On or around XX/XX/XXXX I informed XXXX  that I still had not received any documents, title, lien release and needed some proof from them to registered the car which at this time XXXX  emailed a letter " ACCOUNT RESOLUTION CONFIRMATION '' to me. 

-On or around XX/XX/XXXX I again contacted XXXX  and again was told the title/lien Release was mailed XX/XX/XXXX and I might need to contact Nissan for the actual lien release. 

-On or around XX/XX/XXXX I contacted XXXX  again and was told the same lie, it was mailed XX/XX/XXXX and as of today, nothing in the mail.I also had visited XXXX and was told that I could emailed to XXXX  a lien release form that they could simply complete and file with the Clerk of COURT, which I did. 

I feel that XXXX  has no intentions of releasing the title or lien and as a result XXXX states the car will remained unregistered until the lien release is issued,
Product: Credit reporting or other personal consumer reports

best egg XXXX XXXX XXXX XXXXXXXX XXXX did a hard inquiry opened and vlosed account i called them they were supposed to remove this illegal inquiry they have nbot done so yet
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Coinbase arbitrarily locks me out of my account on all devices, I fill in correct email, password, and 2FA code and they say that I was selected to have to click an email verification link. 

They do not send the email. 

Tried 10 times, no email, tried on my computer, same problem XX/XX/XXXX Same problem, no response from Coinbase support, ethereum prices tanking, I am unable to buy more I strongly suspect they locked me out because I buy every time it dips and suspect they have done this systematically to accounts like mine to assist them in manipulating markets and further tanking prices to scare newer investors out of their holdings
Product: Debt collection

Debt to XXXX is {$84.00}, I don't use XXXX for mobile service, I use XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported a charge off balance on my credit report of {$9500.00}. This amount is incorrect due to the selling of the vehicle that I had voluntarily repossessed. I have attached the sale document I received by email from XXXX showing the original balance as XXXX. The vehicle was sold for {$5700.00}. Per the letter I received, the negative balance is {$5700.00}. 

I have been disputing this information for years to no avail. According to FCRA : 15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Credit reporting or other personal consumer reports

I paid off XXXX XXXX  bank it still on my credit report also its address on their I never lived their
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX, TransUnion, and XXXX for their willful noncompliance with federal laws under the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations of 15 USC 1681, FCRA 605B, and FCRA 615F.

I am a victim of identity theft and have repeatedly disputed fraudulent accounts on my credit reports with all three credit reporting agencies ( CRAs ). The negative accounts in question are as follows : 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  Despite providing evidence of identity theft, these agencies and the original creditors have updated the accounts with my current address and phone number instead of removing them, which is a clear violation of FCRA Section 605B. This improper updating suggests that the agencies have failed to conduct reasonable investigations into my disputes.

Following these incidents, I submitted written requests to each CRA, requesting specific methods of verification under FCRA Section 611 ( a ) ( 7 ). Instead of providing any meaningful or account-specific information, each agency responded with a generic overview of their general verification procedures. This lack of transparency and failure to provide details about the specific accounts in question violate my rights under the FCRA. 

The actions of XXXX, TransUnion, and XXXX are causing ongoing financial and emotional harm. Their inadequate investigation and resolution of my disputes, coupled with their insufficient responses to my verification requests, demonstrate a deliberate disregard for my legal rights. 

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. Specifically, I request that the CFPB mandate the following :

1. Permanently remove the fraudulent accounts from my credit reports. 2. Provide specific verification methods for my accounts. 3. Ensure compliance with FCRA Sections 605B and 615F in handling identity theft disputes. I have attached copies of my supporting documentation related to identity theft.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX received letter from State of California, Chief Deputy Attorney General, XXXX XXXX, who received complaint regarding PHH Mortgage practices disputing Loan Balance and Partial Claims. 
XX/XX/XXXX received letter requesting additional time to complete review of Loan Balance and Partial Claims Dispute. 
XX/XX/XXXX received letter stating an error was made with XX/XX/XXXX loan modification. The principal amount was {$21000.00} more and was obligated to sign a a Subordinate Deed of Trust for {$21000.00} therefore being double charged! Also advised all payments from XXXX need to be applied! And advised {$61000.00} ( {$40000.00} + {$21000.00} ) will still be owed to HUD!!! 
XX/XX/XXXX PHH reported correct Loan Balance amount of {$140000.00} to all credit agencies : XXXX XXXX  and XXXX. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX received letter states all payments received since XXXX loan modification have been reapplied and the unpaid principal balance for this account is {$170000.00} as of XX/XX/XXXX. {$300.00} of outstanding late fees on the account, but they have been waived due to the re application delay. 
XX/XX/XXXX received payoff quote valid through XX/XX/XXXX in the amount {$180000.00}. 
XX/XX/XXXX Received a letter stating unpaid principal balance is {$170000.00} and HUD Lien for {$40000.00} and {$21000.00} still remain due!!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and dispute inaccurate information reported by XXXX on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Creditor Name : XXXX Account Number : XXXX Disputed Amount : {$4200.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with XXXX, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : XXXX failed to properly investigate my dispute within the legally required timeframe. 
2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account. 
3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done. 

Actions Requested : 1.Investigate this matter thoroughly with XXXX and XXXX. 
2.Provide documentation verifying the accuracy of this account. 
3.Require XXXX to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information.
Product: Credit reporting or other personal consumer reports

According to consumer law 15 usc 1681b I did not give permission for these collections to report on my credit report I am a victim of identity theft and I want a cease and desist as well as any debt validation or any written and signed document that ties me to these erroneous accounts, if not I want these removed from my respected credit report as well as all inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

The report is full of errors and considered invalid. They have failed to investigate issues raised over the last few years and continue to report false information that has prevented me from moving due to the low score that is populated from old information reporting and invalid information despite me proving that some if not all of the information is false. Also I have proven that they are reporting on a predatory loan that company admitted and its still on my credit report. 

I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, XXXX and more. 

I want to bring to your attention that both Equifax and XXXX have faced legal action for similar violations. Specifically : Equifax XXXX XXXX XXXX : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. 
Recent CFPB Enforcement : In XXXX, the CFPB took action against [ XXXX XXXX for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. 
XXXX Equifax Data Breach Lawsuit : Equifax has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. 

Given this history of legal violations, I am requesting that [ XXXX XXXX promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. 

I expect a response and resolution within the required XXXX period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> approximately XXXXXXXX XXXX, my phone was atolen, and the criminals were able to use my phone for several XXXX XXXX, XXXX XXXX  and get access to my XXXX XXXX account to perform unauthorized transactions that result selling my crypto currency converted in $ ( USD ) and performed an unauthorized wire transfer from my XXXX XXXX to Navy Federal Credit Union Bank Checking Account in XXXX XXXXXXXX XXXX 
I reached XXXX in the evening on XX/XX/year> to alert them that my crypto account was compromised and used to perform unauthorized transactions and withdrawals. XXXX was able to reach the bank and hold/reverse the transaction by XX/XX/year> however by XX/XX/year> the XXXX XXXX  reverse the transaction of $ XXXX. They already reverse back to my XXXX  XXXX  the $ XXXX wire transfer but the XXXX XXXX  does not want to reverse back the $ XXXX unauthorized wire transfer even after I provided XXXX XXXX Police Report, and provided evidence of the fraud activities. That is the reason why I am placing this complain against XXXX XXXX  due to the unfair/wrong actions on this matter. If they already received the fraud stop activities notification from the crypto exchange on the same day, 1 day later the XXXX XXXX  granted the initially request to reverse of the large amount and then 3 days later the XXXX XXXX  changed their mind and reversed it!! That is a very funny business practices ( inside job? ). I hope with this claim, and with your assistance on this matter, XXXX XXXX  can comeback to do the right thing to the public and not to continue promoting criminal activities. Please advise.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote TransUnion to investigate and remove hard inquiries on my credit report I do not recognize. I never gave the companies ANY type of permission to check my credit score. There was absolutely no authorization for this on my end and that's why I asked TransUnion to investigate this issue. I never heard back from them. I ask that they please remove those hard inquiries appearing on my credit report. I did contact the companies and they said I needed to contact the credit bureaus so that is what I did.
Product: Credit card

imagine credit card charged me with outrageous fees and interest for being late even after explaining my financial problems.
Product: Debt collection

AllianceOne continues to contacted me XXXX consecutive times during work hours and told them to contact me after XXXX MST for a XXXX XXXX credit card for {$330.00}. AllianceOne have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : Alliance One ( Representative : XXXX ) XXXXXXXXAllianceOne Receivables Management, Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of 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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.