23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

All three reporting agencies refused to correct information on false addresses and false credit information.
Product: Credit reporting

Equifax fails to remove the XXXX XXXX XXXX XXXX. account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past 22 yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a XXXX. 
4. The employment information is incorrect - Remove and I do n't wish to update.
Product: Debt collection

SEQUIUM ASSET SOLUTION has flagged your account as XXXX on XX/XX/2022 with XXXX Credit Reporting for an account with XXXX XXXX. I have never had or had applied for an account with XXXX XXXX, therefore this is an account that was established through fraud and identity theft. I am currently disputing this through XXXX and have contacted the XXXX XXXX XXXX and filed a police report for identity theft ( Report # XXXX, filed by XXXX XXXX on XX/XX/2022 ).
Product: Credit reporting or other personal consumer reports

ubject : Dispute of Incorrect Bankruptcy Reporting by Experian in Violation of FCRA and Related Laws Dear CFPB, I am filing this complaint against Experian for their continued failure to investigate and resolve my dispute regarding a bankruptcy inaccurately listed on my credit report. I believe this failure violates the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), as outlined in your recent lawsuit against Experian.

Details of the Dispute : Failure to Verify with 100 % Accuracy : Despite my repeated disputes, Experian has claimed they verified the bankruptcy with a third-party vendor but failed to demonstrate that the item is accurate, complete, and verifiable, as required under Section 605B of the FCRA.

Sham Investigation Practices : Experian has engaged in inadequate dispute investigations, relying solely on third-party vendors without conducting an independent and thorough review, a violation described in your lawsuit.

Violation of Accuracy Standards : The reporting of this bankruptcy lacks the required accuracy and completeness mandated by the FCRA. Experian 's refusal to remove this item without substantiating its validity undermines my rights under federal law.

Relevant Legal References : FCRA Section 605B : This section obligates Experian to block information that can not be verified as accurate, complete, and directly related to me. 
CFPB Allegations Against Experian : As noted in your XX/XX/year>, press release, Experian routinely fails to conduct proper investigations, mismanages consumer disputes, and allows inaccuracies to persist on consumer reports. 
Request for Resolution : I request the CFPB to enforce the following actions : Compel Experian to provide direct evidence that this bankruptcy is mine and that it is reporting with 100 % accuracy. 
Require Experian to remove the bankruptcy if they can not verify it in compliance with FCRA standards. 
Impose penalties on Experian for failing to adhere to federal laws protecting consumers from the consequences of inaccurate credit reporting. 
This unresolved dispute has negatively impacted my financial opportunities, access to credit, and overall well-being. I trust the CFPB will take appropriate action to ensure compliance and protect consumers like me. 

Thank you for your time and assistance. I look forward to your response.
Product: Mortgage

I paid off an equity line of credit months ago, 3 times requested the account closed. Now I get a bill of {$10.00} for what they claim is a " Release Fee '' to remove the lean by the county. This is an illegal fee that is not in my loan documents nor required by the county as the bank has claimed. The bill also threatens me with additional {$10.00} per month late fees so I have no choice but to pay the illegal fee. When I call the bank and requested the county bill and my signature at closing agreeing to any closing or release fees, they can not produce either. I had the same bank ( Bank of America ) for my mortgage, when that was paid off there were {$0.00} such fees.
Product: Credit reporting or other personal consumer reports

I disputed with Equifax twice that the account with XXXX XXXX XXXX ending in account XXXX has been charged off by the original creditor and they received a tax write off for the charged off loss in the amount of {$20000.00} of which was the full loan amount but they are still reporting that I owe {$8400.00}. I explained that I never received a 1099 from XXXX XXXX XXXX to go through the proper reporting to the IRS. I also know that they filed a claim with their insurance company to offset the alleged loss. The liability no longer exists due to these two actions but they are still reporting it and Equifax has not shown me their steps they have taken to verify this which goes against my rights through the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer credit report and noticed some accounts that are reporting inaccurate and i don't recognize. One being XXXX XXXX XXXX Account # XXXX and The other one being XXXX XXXX  Account # XXXX. Both of these accounts are in direct violation 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ) of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting. Due to the lack of the credit reporting agency and furnisher abiding by the FCRA I'm facing possibly being XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will attach the accounts that's showing violations.
Product: Checking or savings account

Deposited a XXXX  check into my Wells Fargo account on XX/XX/2023. Funds said they would be available on XXXX. The check was for {$4000.00}. On XXXX funds were not in bank and said they wouldn't be available until XXXX. Called and talked to numerous people. Was told that XXXX hadn't sent funds over. Had my mom who wrote the check go to XXXX and they said funds were transferred on XXXX. It showed check was cashed and cleared her account. Had all the sequence numbers. Even gave her a print out. Called Wells Fargo back and then they said the hold was because I had overdraft fees in the last 6 months. Wells Fargo recieved my funds but will not disperse until the XXXX. I told them I had numerous charges going through. I could have been XXXX the money or cashed at XXXX. Wells Fargo just wants to cash in on fees. Very shady business practice. Why would they hold money that has already cleared from the other bank. Makes absolutely no sense. Another way to XXXX the consumer. I hope the government comes down hard on these institutions!!
Product: Vehicle loan or lease

I just refinanced a loan from Bridgecrest ( account XXXX ), the predatory lender for XXXX, where I purchased a vehicle in XX/XX/XXXX. The new lender XXXX XXXX XXXX XXXX XXXX XXXX approved a loan for {$19000.00} and sent a check to Bridgecrest for that amount, although it was more than the payoff amount due. The day Bridgecrest posted the payment ( XX/XX/XXXX ), my account only reflected a payment amount of {$15000.00} used to pay off the loan in full. According to the new lender, Bridgecrest is to send me a check for any credit balance on that account ( {$3700.00} ), but no one at Bridgecrest will even acknowledge the credit balance or confirm to me when it will be paid. I only get transferred around and quoted general policies by customer service agents who can not see the credit balance either. Can someone assist in contacting the responsible party at Bridgecrest, which seems to hide this information from their own customer service agents as well as the customer whose money they appear to be confiscating?
Product: Credit card

In XX/XX/2013 my wife and I went to the local Wells Fargo bank to open a checking account after moving back into the area.After going thru the registration process with the checking acc., the young lady representing the bank mentioned their crediet card set up and its benefits, one of which was overdraft protection and a 0 % promotion rate. We agreed to add that on mainly for the overdraft protection. As i mentioned we had moved back to the area after purchasing my parents home. this was done 3 months prior to the Wells Fargo bank visit.It should be noted that we purchased the home with a 15 yr. fixed mortgage at 2.62 %. My wife handles all the bill paying online. About 5 months after initial checking sign up, my wife developed health issues ( on XXXX now ) and our focus was somewhat divided. It was not till the following XXXX that I opened a billing from Wells Fargo and noticed that we were being charged 26 % interest on our credit card. My credit score during this time span has been in the XXXX-XXXX range.Over the last cpl. yrs I have contacted numerous departments, talked to different levels of employee ranks and have never been able to get a clear or definitive answer as to why a rate that high was applied to our account.I have asked what criteria was used to determine rate, again no clear cut responce. I also have another credit card ( XXXX XXXX ) with a rate half the Wells Fargo rate.After reading all the articles over the last 6-9 months regarding Wells Fargo banks practices I decided to file this complaint to hopefully get some action on this matter. 

Thank You, XXXX P.S. I have asked them to lower the rate to the level it should be each time without any results
Product: Vehicle loan or lease

Date : XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Santander / XXXX XXXX  1 . Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act -Title 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial 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 descriptive 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, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX # XXXX XXXX XXXX MD XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.
Product: Credit card or prepaid card

The company, Comenity Bank, has raised my monthly payments multiple times based on my owed balance without informing me that this has happened. My payment has increased nearly an additional {$10.00} per month in multiple accounts over the last few months and there has been no notification or official documentation sent stating that the change would happen or my monthly payment would increase based on my total balance on the account. Its completely unfair and in all rights illegal to constantly change the payment amount that is owed - this leads to incorrect payments being made, which will then lead to late fees and fees for insufficient payments and who knows what else the bank could come up with. You can see on the attached photos how my payments have changed each month - Ive been paying the minimum due and theyve changed drastically, which is especially unfortunate due to the pandemic and uncertainty of employment.
Product: Credit reporting or other personal consumer reports

Looking further into my credit report, the following Account : XXXX, Account XXXX : XXXX, responded and said they dont report to XXXX from my previous complaint. According to the document I attached, that is false. They did report it but didnt update the status. If they didnt report it, the XXXX section would be empty. There are so many inaccuracies in this report, starting with the inaccuracies with XXXX and Experian. I demand this account gets removed from my credit report if there is no proof that the information is being reported in XXXX XXXX accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. Capital one have verified that this is not my account yet experian refuse to remove.

Details Account # XXXX. ( XXXX XXXX Closed Paid Account ) Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened. XX/XX/2013 Account Status. Closed Credit Limit {$200.00}
Product: Debt collection

As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following account CAVALRY PORTFOLIO SERV Acct : XXXX citing various violations. My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language ( contravening 15 U.S.C. 1692d ( 2 ) to deceptive debt collection tactics to harass, oppress, or abuse ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 20 days will compel me to escalate the issue to the United States District Court, XXXX XXXX of Georgia. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.
Product: Debt collection

I have never received any forms of verification on this debt that is being collected by rent recovery solutions a company based in XXXX Georgia. I have tried to reach out and get verification of the debt and talk to someone about the next steps I should take and I constantly get sent to my agents voicemail system. They have never called me, emailed me, sent me a letter or anything regarding this debt or what to do about it. They have a history of taking peoples money and not removing the debt from credit reports and Im not going to let that happen to me. They are in violation of my rights by trying to collect on a debt that I have not been given the opportunity to look over and verify. I have disputed this debt twice through XXXX  with no luck and have still even after the dispute never received a letter or phone call.
Product: Credit card or prepaid card

Every month I have to call Paypal credit because there is an issue with my account. XXXX 's statement showed I owed {$2400.00}. The correct amount owed was {$2300.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that was not properly credited to my account per the representative I spoke with. The Easy Payment, payment due is {$130.00} a month, I had to make a payment of {$140.00} due to the additional {$170.00} showing owing on my account. 
This month 's ( XXXX ) statement shows I owe {$2300.00} and am now being charged interest. The Easy Payment items only total {$2100.00}, now a difference of {$150.00}. 
The monthly payment again is {$140.00}, higher than what the Easy Payment plan requires. 
If they ever get this straightened out, there will be an issue with allocating the overpayment amount. 
As I stated earlier, this occurs every single month since SYNCB has bought Paypal Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of bogus items I discovered on my credit report is shown below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER 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 XXXXXXXX. Under the provisions of the Fair Credit Reporting Act section 605b. I am requesting no other than the immediate deletion of the disputed accounts.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that their client " LVNV Funding LLC '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is LVNV Funding LLC and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about LVNV Funding and find that there is a ton of information on credit reporting websites that show this LVNV company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.