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

I have recently viewed a copy of my credit report after being denied credit approval. Upon looking over my report, I see a series of misleading and inaccurate data being reported on my credit file. Please reinvestigate these accounts for inaccurate reporting. The FCRA and FDCPA mandate all data furnishings reported be accurate right? If deemed to be reporting as inaccurate then said account/accounts must be deleted from the credit profile immediately for violating the FCRA and FDCPA correct? The inaccurate reportings are already attacking my credit worthiness, diminishing my character and affecting my ability to obtain credit. I requested a prompt reinvestigation of these accounts immediately. 
Under FDCPA Regulation all accounts under dispute must be immediately removed from a consumers credit report until the full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. This is not a regular dispute this is a letter for you to command and comply. 

FDCPA 15 U.S. Code 1681i ( A ) ( 1.A ) All disputed information must be removed from a consumer credit report while it is under investigation. 

I have contacted Experian several times about these misleading and inaccurate accounts. I have a attached documents to the pervious CFBP complaints proving these accounts to be misleading and inaccurate. They also tried to claim it was a third party disputing so I called in and gave authorization for the to complete the investigation on those disputes.
Product: Credit card or prepaid card

A secured credit card with an additional {$500.00} deposit closed XXXX and yet to receive the deposit back within the 2 billing cycles as stated in the contract. Contacted Capital One to resolve the matter but was given no date when money would be refunded. If Capital One was owed money and no payment was made a {$38.00} late fee plus 24.9 % interest would be charged ; funny it does not work both ways.
Product: Credit card

My second complaint. I have had several issues with XXXX XXXX. I was told that I could make more than one payment and the other payment would be for the next payment. I did that and XXXX XXXX refused to honor the payment. Causing fees and negative reporting to my credit bureau reports. If this is n't resolved my lawyer will contact XXXX XXXX and start legal proceedings in federal court. Please forward calls that were made so they can be listened to.
Product: Credit reporting or other personal consumer reports

This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues. 

Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Inaccurate reporting of accounts on my credit report, which remain after your investigation despite my disputes. These accounts were not authorized by me, and no valid contract or written consent exists for the reporting of these items as required under 15 U.S. Code 1681b.
Product: Vehicle loan or lease

I purchased a vehicle which was financed with Global Lending Service ( GLS ). GLS did not have my updated mailing address or phone number for my account. Therefore, I never received a statement or bill for my loan. When I did finally become aware of the payment that was due I immediately paid the balance in full that was owed at the time. I sent in a letter requesting that the reporting of the account being delinquent/late be removed from my credit report as an act of good faith and with the understanding that GLS now has all the correct contact information including the billing address, phone number, and email. I have not received any response to this request.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and disappointment regarding the several unsuccessful attempts to correct late open accounts and remove charge-off accounts from my credit file. Despite my persistent efforts to rectify these inaccuracies, they continue to adversely affect my credit report, impeding my ability to secure credit and financial opportunities. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and communicating with your representatives. Unfortunately, despite these efforts, the inaccuracies persist, significantly impacting my creditworthiness and causing ongoing financial challenges. 

I request an immediate and thorough investigation into these matters to correct the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-off accounts.

Failure to resolve these issues promptly may compel me to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts and remove the charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$1300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX  XXXX Balance : {$38000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Balance : {$28000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX XXXX : {$2600.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX  XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Checking or savings account

I went to retreive money from a credit banking station and they declined my money. Even thought I didn't have any withdrawls that day to go over my back limit. 
I even got text and email to ask if it was me and I said responded yes it was me, and stil lgot denied several times. The bank is saying they never denied and they said thye approved the withdrawal. But that was a lie. Because I've done this transation before at same casino window. ( casinos arent in the business of not getting you money ) XXXX to branch and talked to XXXX XXXX XXXX | Chase | Branch XXXX | NMLS ID XXXX | XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, IL XXXX | T : XXXX | XXXXchaseXXXX to go over this because this has happend several times in the past and he understood and agreed that they had failed me again. He said he would get his boss XXXX XXXX XXXX | XXXX XXXX | XXXXchaseXXXX | T : XXXX. 
XXXX XXXX called me once and said he would look into this problem and get back to me. 
He never got back to more and its been over several weeks. 
I got home today and got a letter dated XX/XX/year> that they have come to a decision to close my bank accounts at Chase on XX/XX/year> So now I have to go get a new bank account and get a hold of all financial instituions that take money from my chekcing account. Because I've done nothing wrong but give them money to hold onto with XXXX checking and XXXX savings account, and make signifcant interest on my money. 

How is this legal, I would think that this is not allowable and that hopefully you can help me.
Product: Debt collection

CBE company calls me frequently, each time from a different phone number. They never leave a message to tell me who is calling or why or how much I owe. Sometimes they have called multiple times in a row. I only know it is from CBE group because my phone gives me caller ID and I check unknown numbers online. I have tried reaching out to them about their calls, asking them not to contact me at work ( they only stopped calling me during work starting XXXX  despite me telling them my days off way before then ) and when I ask why they keep calling they are vague and refuse to tell me what I owe, how much I owe, what it is from, a reference or account number, or literally ANYTHING that I could use to find out information about this supposed debt. I can't even call the numbers they call me from most of the time because no one answers or it says the number is no longer in service. They have been calling me for quite a while, at least since the beginning of XXXX ( possibly before, but I did not have caller ID on my old phone so I don't know for sure ). It seems like every time I try and use their website to get a phone number, the number is different so I stopped trying to contact them because I didn't know that there was any way I could report them or find out ANY information. I do not have any letters from them that I can find ( I have been saving every letter for the past month and a half to see if they may finally mail me something ) and I'm frustrated. I have no information on them other than a name ( CBE group ) and the fact that according to my caller ID, they call from a LOT of different phone numbers. I have stopped answering their calls at all because I have no evidence that I owe them a debt and I will not talk to them again until I have that information ( in the past when I picked up, they started calling daily ). My phone only saves missed calls for a month so I have limited information unless my cell provider keeps those records for longer. For the dates I currently have access to, they called XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those are the times caller ID was noted on my phone. I also received quite a few other calls from numbers tied to the group ( according to XXXX, however, my caller ID did not mark those calls as from them, all of those were on days I worked ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I requested deletions and corrections to my credit report, including the correction of the spelling of my middle name. On XX/XX/2023, I received their response regarding my request to remove several inaccurate data from my credit report. They're response stated they have previously completed an investigation and verified the information in my credit file. They went on to say, unless I have any additional information to support the inaccuracies I requested to be removed from my report, they are not required to reinvestigate the same items again at this time. This is against the law. According to 15 USC 1681i - Procedure in case of disputed accuracy you are in fact obligated to reinvestigate and correct inaccuracies of consumer reports. Since they have stated a complete investigation was conducted, I requested all the documentary evidence they received to initially place all the items on my report pursuant to 15 USC 44 which states Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. I also enclosed a copy of the initial report received. They received my request on XX/XX/2023. I have yet to receive the documentary evidence nor a clean revised report.
Product: Credit card or prepaid card

I applied for paypal credit. Got approved thru Synchrony Bank which extends for Paypal. 

I did this credit application to purchase a massage chair from XXXX. 
Chair arrived. Was NOT AT ALL what description and performance claimed. 

I returned it under the 30 days easily. MEssaged merchant from beginning. 
Also arrived scratched. 

Product is from XXXX but was shipped locally from XXXX Calif. 

I returned it with the XXXX shipping label they provided for the 2 separate boxes they sent. 

Tracking Labels box 1 XXXX larger box ) - XXXX Tracking label 2 -  XXXX XXXX came and picked up on XX/XX/XXXX. 

Merchant claims XXXX did not deliver. Not sure if it is XXXX  or Merchant but Paypal credit/Synchrony bank is charging me {$120.00} per month minimum payment on item I returned, that was scratched and malfunctionable. 

I reached out to paypal they wouldn't help me. I reach out to XXXX they said I didn't return item in 30 period when I did. XXXX is claiming they can not locate anymore? 

Not sure what to think or who commited the fraud/error.
Product: Payday loan, title loan, personal loan, or advance loan

I have been deceived of the interest rate it my interest rate for {$50000.00} is % 17.74 fixed interest unsecured loan with a monthly payment of {$1300.00} for 5 years it does not add-up that would be 21.18 %. I did my calculation if my payment should be {$1200.00}.
Product: Mortgage

We have applied for a mortgage Refinance with Santander Bank of our home and wanted to replace our septic system with part of the loan proceeds. We were even willing to have an escrow set up for the septic install. 
The bank said per XXXX XXXX guidelines its required to have a septic inspection and a new system installed if needed prior to closing. 
We applied for a Betterment loan from our local Board of Health and are in the process of the system install but it will take sometime to get the system completed. ( Covid slowed process ). What is the XXXX XXXX requirement for a refinance? The Board of Health has indicated they will write a commitment letter for the new septic install and we are currently living in the home. Is there a XXXX XXXX  waiver? Waiting is costing us money every day we don't refinance. 
BTW a new septic system traditionally does not increase value in a home so the upgrade will not impact the appraisal.
Product: Debt collection

on XX/XX/ my XXXX policy expired. but XXXX kept calling me to renew my policy even though my policy expired. they have now sent this to collections.
Product: Payday loan, title loan, or personal loan

I recently joined XXXX XXXX, and reviewed my credit report. I see there is an account from Mobiloans on my credit report. I have never applied for an account from Mobiloans or any other loan because I am a starving XXXX XXXX  and do not have a job. I live on my college campus and can not begin to think who would 've stolen my identity. I called the XXXX number that was on the credit report but was passed around only to be told that the account had been written off. Unbelievable that an account could be opened, never paid and closed without anyone at Mobiloans becoming suspicious. 

I have filed an identity theft report with the Federal Trade Commission. The report number is XXXX. I have also reached out to my campus police to make a police report of this fraud. Apparently, Mobiloans do not verify identity prior to giving out loans.
Product: Debt collection

Continued to call and threatening me calling at different times and stating someone will be waiting on me with legal documentation outside of my home and job
Product: Checking or savings account

On XX/XX/XXXX i open an account, the next day i went to deposit more money in my account. My atm card wouldn't work, so i went inside the bank and told them my card want work. The teller check the card and told me the card was close, she told me i haft to call the XXXX number to find out what was going on. I call the XXXX number they told me the account was closed. She say she cant tell me why, she told me to go to the bank and get my funds, i had XXXX dollars in my account. I went back to the bank to get my money, they told me the check will be mail to me.I waited for the money to be mail and then i called them again they told me the money will get to me on Wednesday, i waited the money did not come so i call them again. That when they told me there was account ten years ago with a negative balance and they took my deposit and put it in the old account. They told me the account was written off, i got XXXX XXXX after i open the account, when i XXXX XXXX up there was XXXX XXXX dollars balance, but the teller told me there were different charges on the account. I explain to them i did not do those charges. they told me that there was Nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several letters to XXXX, Equifax, and XXXX advising of incorrect names, addresses, birthdates, and socials. They only responded that they updated the information ; however, all files still show incorrect personal information. When I called, they stated they could not remove the incorrect information. This has caused me to get denied loans and credit because my identity could not be verified. These letters were all sent within the last year, with my last attempt being in XXXX of 2023.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, Which Violate The consumer Financial Protection act ( CFPA ). Specifically, Cash app failed To take Timely And effect measures To prevent And address fraud On all their platform, Leaving my account vulnerable And unprotected. Furthermore, Their dispute Resolution Process was unfair and deceptive. As they did not comply With error resolution Requirements under the electronic Fraud 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

I am writing today because I am shocked on how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while Experian and XXXX is reporting XX/XX/2021. 

The second account status Experian is reporting closed, XXXX and XXXX is reporting open. 

The third error payment status XXXX and Experian is reporting collection/ charged off while XXXX is reporting late 120 days. 


The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {XXXX}. 
I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.
Product: Student loan

Around XX/XX/XXXX I contacted Navient to get my account taken care of and gave them my XXXX  XXXX XXXX XXXX. In the meantime, I had an issue with XXXX  and changed my direct deposit and finances over to XXXX XXXX. I contacted Navient spoke with a customer service rep and provided the account and routing number and asked that XXXX be the autopay account to draft on. I signed requisite forms etc. Then on XXXX, XX/XX/25 I received multiple phone calls from Navient accusing me of not making the payment and autopay had not been moved from XXXX to XXXX. I logged into the account and shared with customer service the details of my previous conversation with Navient. She responded asking me if I had the payment? I told her yes I did and it was a human error that the last rep did not follow through on XXXX being the autopay account. After she took my payment she shared that her " system '' could not process the autopay nor the deferment recently agreed upon. She promised she would call me back at XXXX XX/XX/25 to complete the autopay and deferment. No call back and my account is still outstanding and its harrowing to communicate with Navient. The reps talk over me, they don't llisten, nor do they honor their word.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts appear on my credit report today, and I have no clue why theyre there. I routinely check my credit report, but this time, discrepancies just appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but the errors remained. Given this issue, Im requesting a thorough review of the documents Ive sent, so I can finally put these worries behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns on Zelles handling process for disputes, especially with the recent CFPB lawsuit which is highlighting significant issues with the platform. Despite using Zelles several times and reporting my discrepancies, my back and Zelle did not thoroughly investigate my claims. I was informed recovering my funds would be impossible and taking the transactions are not feasible. The CFPBs findings show that this platform neglected to protect the consumers and allowed offenders to continue to exploit the system to leave consumers vulnerable. The lack of accountability and transparency is unacceptable and raises concern for consumer safety.