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

Subject : Complaint Against Experian for Failing to Conduct Reasonable Investigations I would like to file a complaint against Experian for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate and unverifiable information on my credit report, Experian has not conducted a reasonable investigation or resolved the disputed items. 

Recently, I became aware of the CFPBs lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses, and failing to adequately notify consumers of dispute outcomes. These allegations perfectly align with my own experience. Experian has ignored or dismissed the evidence I provided, leaving the disputed items on my credit report unchanged.

This ongoing inaction has caused significant harm to my credit standing and financial well-being. Experians failure to address these disputes violates federal law and my rights as a consumer. 

I am requesting immediate corrective action to either remove or amend the inaccurate and unverifiable accounts on my credit report. I trust the CFPB will hold Experian accountable for its actions and ensure compliance with federal regulations. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS COMPROMISED. I FILED FTC REPORT AND CONTACTED COMPANIES, BUT IVE GOTTEN NO WHERE.
Product: Debt collection

On XX/XX/XXXX I disputed and denied a {$52.00} debt claim referenced XXXX dated XX/XX/XXXX originally in the amount of {$4.00} plus {$1.00} added fees and incurred on XXXX XXXX, XXXX. I provided the debt collector evidence that the original amount of {$5.00} was paid in full on XX/XX/XXXX. The information was transmitted by Email to collection Attorney XXXX XXXX at XXXX. She Email confirmed her receipt of my response at XXXX. I also mailed my response to the collection company via XXXX mail. 

On XXXX XXXX, XXXX I received a " SECOND NOTICE '' from the collector purporting that I " ... failed to respond to our correspondence and we are assuming that this debt is valid. ''
Product: Debt collection

XXXX XXXX XXXX XXXX send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, American Express was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with AMEX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized American express to withdrawal monies form my bank account and they established this.

4- after 10 payments they send the same account collections agency. 

it is illegal and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, Equifax has failed to conduct a reasonable reinvestigation of disputed information on my credit report, despite my submission of supporting evidence. As a result, inaccurate or unverifiable accounts remain unresolved, causing harm to my credit standing and financial stability.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation of disputed information within 30 days. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer credit files.
Equifaxs failure to properly investigate my disputes and refusal to correct or remove inaccurate accounts constitute clear violations of these legal provisions. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Equifax, highlighting widespread issues with its handling of consumer disputes. Equifax has been found to : 1. Fail to forward consumer-provided evidence to furnishers for proper verification.

2. Accept unverifiable or unreliable responses from furnishers without conducting independent reviews.

3. Neglect to adequately notify consumers about dispute outcomes, leaving them in the dark regarding their rights and options.

These systemic failures align with my experience. Equifax has not properly reviewed or addressed the documentation I submitted, has failed to provide sufficient explanations regarding its dispute resolutions, and continues to report inaccurate or unverifiable information, despite my clear evidence proving otherwise. This negligence has directly harmed my financial well-being by limiting my access to credit opportunities and fair lending terms.

Requested Action : I respectfully request that the CFPB take immediate action to : 1. Investigate Equifaxs failure to comply with FCRA dispute resolution requirements. 
XXXX. Require Equifax to correct or remove the disputed accounts from my credit report. 
XXXX. Ensure that Equifax improves its dispute handling process to prevent further harm to consumers. 

Equifaxs noncompliance with federal law has directly affected my financial security, and I urge the CFPB to intervene promptly. Please find attached supporting documentation, including copies of my dispute submissions and Equifaxs inadequate responses.

Thank you for your time and attention to this serious matter. I appreciate the CFPBs efforts in enforcing fair credit reporting standards and protecting consumer rights.
Product: Credit card or prepaid card

I applied for a US Bank card several months ago and was approved. It was advertised as 0 % on balance transfers for 20 billing cycles and 0 % on purchases for 20 billing cycles.

Our air conditioner recently went out, so we decided to put the new air conditioner on the US Bank card for the 0 % for 20 months. When completing the balance transfer, the months were never clearly disclosed when prompting through the system. Specifically, no months were listed, period. Their system refers the customer back to the original promotion.

When the account billed, it stated the promotional period of 0 % ends on XX/XX/XXXX -- that is not 20 billing cycles. Essentially, the 0 % applied from the first date of the first bill they sent out. They should have clearly disclosed this in the terms when I applied for the card and when the balance transfer was completed. Ordinarily, a company would clearly say the interest rate applied for the first 20 billing cycles. This would imply from them date the account was opened -- they would not simply say billing cycles. Billing cycles implies to the customer that it is from the first time the purchases was billed. 

I am sending a copy of the advertised promotion from XXXX. I am also sending a copy of the statement. If needed, I can send the written terms their system generates when applying for a balance transfer.
Product: Checking or savings account

I am having trouble with applying to Wells Fargot for any accounts. Whenever, I submit my drives license the text box will not recognize the format of my DL ID Number. It is formatted as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each # represents a. single digit number. Can we get this fixed/? I do not live near a branch to take a visit.
Product: Mortgage

I purchased my home and it was mortgaged through XXXX XXXX in XX/XX/XXXX. My monthly payment was {$830.00}. Chase bought my mortgage from XXXX XXXX in approximately XX/XX/XXXX. Since that time my monthly payment has steadily increased till now it is currently at {$850.00}.
Product: Checking or savings account

On XX/XX/XXXX I went to a Bank Of America ATM in XXXX XXXX Tx to deposit {$270.00} into my account. When I inserted the cash a Error appeared on the screen and told me to type the amount I deposited, I typed {$270.00} and put submit and they gave me the credit into my account right there and a little slip with a case number. I thought it was fine since XXXX weeks went by so I disposed the slip but then on XX/XX/XXXX they deducted {$150.00} from my account claiming they couldnt find that amount I deposited. I talked to a representative along with a XXXX and they basically told me there was nothing they can do I lost {$150.00} from my {$270.00} deposit. Then again today on XX/XX/XXXX I visited a different Bank Of America location to deposit more money. I counted about {$620.00} then when I insterted it I was hit again with a Error this time when I typed how much I put ( {$620.00} ) it did not give me credit in my account I got another slip. I know for a fact I put between $ XXXX {$620.00}. I do not want to be ripped off again and them only credit me less. This is the second time its happened to me and XXXX separate locations and its ridiculous. I have things to pay and this is very inconvenient. I believe these machines are malfunctioning and ripping money from costumers and they just claim they cant find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit report and saw inquiries I did not initiate. I was informed sometime ago about an Equifax  data breach, but did not think anything would happen to me as a result. I now have inquiries reporting to my account that don't belong to me. The inquiries are from XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX ; and for XXXX XXXX XXXX XX/XX/XXXX ; XXXX- XXXX XXXX NA XX/XX/XXXX ; and Equifax - XXXX XXXX XX/XX/XXXX. I have contacted creditors and have also file an FTC report # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX  ) on XX/XX/2017 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT HAD ACCESS TO MY ONLINE TRANSUNION CONSUMER DISPUTE ACCOUNT SINCE XX/XX/2023. I HAVE BEEN CALLING TO NO AVAIL. TRANSUNION VIOLATED CONSUMER LAW BY REINSERTING XXXX XXXX XXXX WITHOUT NOTIFYING ME. I ONLY SAW IT ON MY XXXX  XXXX APP CALLED XXXX XXXX. THIS IS FRAUDULENT INFORMATION.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Coinbase has put my account under review for no apparent reason, it has been over a month since the account has been under review, I have sent them numerous number of emails and the Coinbase company is not responding to my emails with the solution. 

I am already level 2 verified customer with them for many years, i can not buy or sell any digital currency on the coinbase platform which has resulted in a financial loss for me. 

I also tried contacting them on XXXX, Coinbase website, Coinbase complaints and getting no responce at all. There is no telephone numbers for them. 

My email address is XXXX I have raised numerous cases # XXXX, XXXX, XXXX, XXXX, XXXX, Please help me as my active funds are locked with coinbase and i can not transfer, withdraw or do anything. 

Kind Regards XXXX XXXX
Product: Debt collection

Amerifinancial Solutions at XXXX XXXX XXXX XXXX MD XXXX Phone XXXX has reported on my credit a collection with a past due amount of $ XXXXOpened on XXXX/XXXXXXXX, I do not know this company and I have never done business with this company. This company has nothing with my signature. I have disputed this company and have asked them to validate debt. This company has failed to validate debt!
Product: Debt collection

I got a phone call from XXXX XXXX for a past due amount on my internet bill. I promptly paid them and have a transaction number of # XXXX for the total amount of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding the Late payment reversal on my credit report. 
On the Attach proof, I encircle the late fee reversal which they charge me by mistake. 

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; XXXX, XXXX and Transunion all are resellers of my consumer report without my written permission XXXX, XXXX and transunion have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A XXXX was instructed to remove the installment accounts and only removed 3 None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of report In accordance with the Fair Credit Act, this creditor has violated my rights under 15 U.S.C 1681 section 602. States I have the right to privacy.

15 U.S.C 1681 section 604a section 2 states a consumer report agency can not furnish an account without my written instruction.

Under 15 U.S.C 1666 b, a creditor can not treat a payment on a credit card under an open edit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to all XXXX credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all XXXX credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau XXXX, equifax, and XXXX  to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from XXXX parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from XXXX-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all XXXX bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview loans .I 'm closing on my apt XXXX XXXX XXXX.Bayview reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the coop apt is being paided off on the XXXX XXXX XXXX.Please reach out to Bayview and have it corrected, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Days ago a current credit account I have was closed based on wrongful information on the attached Trans Union credit report dated XXXX. This information is marked on the attached showing a high balance of {$8400.00} from XX/XX/XXXX -- -through XX/XX/XXXX. 

This is impossible!!! until XXXX of XXXX my credit limit was only {$1100.00}. In XXXX of XXXX was increased to {$8000.00}. This report shows my high balance was as stated above is INCORRECT and has caused my other credit account to be closed based on this wrongful information. I have had this account since XXXX and never missed a payment. 

I have Never gone over my credit limit EVER. In XXXX my credit limit was increased to {$8000.00} and I have not ever gone up over it!! nor ever at any time since I opened this account in XXXX. 

.
Product: Debt collection

LVNV FUNDING LLC I have never heard of this company, and have never received credit from them and they are reporting negative on my credit report.They refuse to delete the information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report and the police report filed in connection with this identity theft.

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Product: Debt collection

I am having a serious problem with Citibank Universal Card. I had settled my debt with them through XXXX XXXX XXXX 5 years ago. They brought a civil case against me about it. I sent them proof that XXXX XXXX XXXX paid them but the case has not been dropped. So either they have my money or XXXX XXXX XXXX kept my money and lied to me. Either way I thought this was resolved 5 years ago and should not be brought to court over it. I have not worked in 15 years, have multiple medical problems, and am supported financially by my family so this is ridiculous and unfair. Citibank stated that they did not know of the settlement but is suppose to be looking into it now. I plan to review them anywhere possible due to this horrible treatment. 
This is a copy of the proof sent:  the email from XX/XX/XXXX from XXXX XXXX -----Original Message----- From: XXXX To: XXXX Sent: XX/XX/XXXX XXXX XXXX
Subject: Welcome to the Program

Hello XXXX,

I would like to confirm that we have received your signed consent and sent your settlement payment to AT&T Universal Card on your behalf.  This debt is now completely settled and we can move on to other debts that you may owe. 
As stated before thanks to our diligent work and your monthly deposits to your account with us we were able to settle with AT&T Universal Card for XXXX dollars. The payment was received by them on XX/XX/XXXX and this ends your debt with them. Congratulations and we will continue to settle with companies on your behalf.

We will continue to withdraw monthly debits of $XXXX every XXXX of each month for additional debts into our XXXX XXXX account that may need to be settled in the future. 
 
My email address is XXXX  My normal business hours are from XXXX to XXXX central time, so please feel free to contact me if you have any questions.  I look forward to working with you on other accounts!

Thank you!
 
Sincerely, 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that has revealed significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle took the necessary steps to properly investigate my claims. They informed me that recovering lost funds was not possible and that tracking these transactions was impractical. The findings from the CFPB reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection.