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

Hello, on XX/XX/2021 I mailed my letter regarding illegitimate items on my credit report. To this day, it's been over 30 days now, and I have yet to receive any response. I feel completely taken advantage of because I'm being ignored of my disputes. Within section 611 ( a ), it's plainly states that with the failure to investigate any item within 30 days gives reason to immediately remove those disputed items from the credit report, and it's been well over 30 days, so the inaccurate items in which I've disputed should be removed immediately or I will file for litigation as a result to the stress and loss that's been caused to me. Previously, my information was impacted by the Equifax Data breach, and may have got into the wrong hands and person.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I get an email again letting me know that I have been approved and should be getting a card in the mail within 5-7 days. On XXXX XX/XX/XXXX I received another email stating a new credit injury has been detected and was from Discover. This all happened before I have even received my card in the mail. On XX/XX/XXXX my card came in the mail and stated to call In order to activate it. Right away my husband and I noticed my last name was spelled wrong and I also wanted to add him onto the card. I called the number and asked them if they could change the spelling of my last name because it was spelled wrong and I wanted to add my husband and they told me before they could do that I would be sent an email to fill out a form. While waiting for the form I continued talking to the lady and she told me once I filled the form out they could do the changes or I could fix it on my end by using the website. When I received the email it was a pre filled out form where I inputted my name and then signed but it was odd that it was a IRS form. When I signed and sent it back I called them back to ask about the form. They told me the form was to verify my identity and to make sure what I put on the application matched what IRS had. So, I asked how long does it normally take before they would receive what they needed back from IRS and they stated the time frame is unknown. So, every few days I would call to check in. On XX/XX/XXXX I called to see what the status was they told me that they received the information back on XX/XX/XXXX and that my account was closed. I was confused because I have never asked for them to open the account to begin with and asking why the account was opened if more information was needed? Then I asked them what was still missing that made them close the account? The response I received was that they do see what made them decide to close the account but they can not give me that information. With me asking what was the reason and they are looking at it but can not give it to me did not sit well with me. I asked them if this will be reported to my credit report due to me not even activating the card at all and they stated yes it would be on my credit as a closed account but thats not fair. I was told that it is a disgrace on my end and that there is nothing they can do or I can do about it. This is poor customer service and is fraud to have people get approved and then a injury is put on their credit before they even get the card to activate but then when they call the activate it they have to fill out a form and then wait for the information to get back to them just to find out your account has been closed based on something you cant even know. When reviewing the form that was sent to IRS it asked for the taxes for XXXX year taxes and not even XXXX  which would of matched up with the information put on the application to begin with. So, innocence they played us and knew what they did and they are doing it to so many others out there.
Product: Checking or savings account

Robinhood Financial has unexpectedly put my account under review without any explanation. Although I have provided them with all the necessary documentation they requested, they closed my account without any clear reason and simply referred to their terms and conditions. Despite multiple inquiries, Robinhood has not provided me with transparent information on how the remediation process works. Instead, they continue to send me generic messages assuming that I am trying to appeal the account closure, which is not the case. My only intention is to understand the remediation process and request the withdrawal of all my funds to my existing and linked bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to see my updated Experian Credit Score, That i am paying for monthly starting XXXX. The money is taken away monthly. But i can not view my credit score. I can not do anything because of the error. 


Experian is not updating my credit score FCRA Violations- Update my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX XXXX {$5700.00} XXXX XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}
Product: Credit reporting or other personal consumer reports

Due to the most recent data breach where millions of XXXX numbers were exposed I wanted to freeze my credit. I was able to easily lock my XXXX and XXXX accounts but TransUnion made it impossible. First, I tried calling their customer service and was on hold for 45 minutes. I was prompted to " hold '' my place in line by providing a call back number which I did. After a week I did not receive a call. Secondly, I tried using their chat system twice. The first time I spoke to " XXXX '' and he a phone number to call but exited the chat before I could get the number. Several days later I tried the chat method again the this time I spoke to " XXXX '' and he was NOT HELPFUL at ALL! I tried to telll XXXX that by law they ( TransUnion ) are supposed to allow me to easily freeze my credit. He advised that I needed to email someone at TransUnion. 

At the time of this complaint I still haven't been able to freeze my credit.
Product: Credit reporting or other personal consumer reports

A prior dispute was sent out to the credit reporting agencies. Following the disputes the accounts all came back as verified and accurate. Ive recently submitted another dispute to these same credit reporting agencies requesting proof of the investigation that was done that deemed these accounts as accurate and verified per 15 usc 1681 I ( 7 ). If such proof can not be provided I want all of the accounts that were disputed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Credit card or prepaid card

Im reporting what i believe is a fraudulent text message stating my BofA prepaid debit card has been cancelled and asked to reactivate. I have no accounts at BofA
Product: Debt collection

I have no knowledge of this company or alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Mortgage

This is a direct complaint about the Chase Mortgage team in XXXX XXXX XXXX, XXXX California, led by XXXX XXXX. Loan Officer : XXXX XXXX Chase failed to properly qualify my buyers who initially applied through the VA Mortgage program. More than halfway through the loan application process, the underwriters decided to reject the loan ( allegedly due to regulation changes by the VA ) while we were a couple weeks away from the close of escrow. Buyers had to re-apply for a conventional loan and redo another appraisal on the property. Delays after delays with no updates to the buyer 's agent and not returning calls / text / email from my listing agent. Took me to reach out XXXX to get some updates on the progress of the loan. Furthermore, the underwriters have been dragging their feet on the approvals and nobody has been communicative or transparent about status, despite stating that the loan is marked for " rush ''. It 's unheard of for a government agency to not grandfather in loans that are in progress when there are regulatory changes. Seems very much like Chase is trying to cover their tracks with this error. Their lack of transparency to the issue and timelines have made this experience terribly difficult for all parties involved. This is unacceptable on all levels.
Product: Debt collection

I do not have a signed contract with Portfolio Recovery Associates. I have never did business with this company. I am not liable for collection from the debts that they are reporting on my credit reports. I am not responsible for these debts with Portfolio Recovery. They are not licensed to collect in the state of California per what I have been told by an attorney.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

With Equifax they are not taking care of the issues that have been reported to the CFPB. I do not give permission for them to be reporting on my credit report. Cease and desists have been sent to them. I just received an update and my credit was decreased again and nothing has been changed. Again charge offs are income and can not be reported on my credit!!!!!! Figured the lawsuit would have changed their perspective yet it has not. CFPB please enforce this as they are predatory. The institutions are fraudulent and have taken securities from me and I have not received this either.
Product: Credit reporting or other personal consumer reports

I asked the 3 major credit bureaus to remove inaccurate items from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX  XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Debt collection

Santander Consumer, has had the amount of {$5700.00}, on my credit for the past 10 years. This amount which was supposed to be paid off by the GAP insurance company after a car accident deemed it total lost. After 6 months of the accident the charge appeared on my credit report ; I called Santander to ask why, they stated they never contacted GAP insurance provider to have the balance paid in full. I attempted various calls from the insurance company to Santander to no avail. I received no assistance from neither party. This has since been a derogatory mark in my credit report for the last 10 years, which is past the statue of limitations. The account is also showing incurrent information. This account is not opened, and there has been no activity in years, yet it states that its 120-140 days late. This account should be removed.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX, of XXXX XXXX I XXXX XXXX XXXX made a transfer money amount for {$100.00} to XXXX XXXX plus a sir charge fee of {$2.00} was added on XX/XX/XXXX XXXX, XXXX My problem is that since the transfer dates been active for the recipient to get her money havent been a success for her to receive her funds. SENDWAVE as third party who provides services for the transfers is not being helpful at all therefore my alternative is to just file a complaint with the consumer finance.gov
Product: Money transfer, virtual currency, or money service

XX/XX/year> - Transactions Referenced : First Transaction : Transaction ID : XXXX Dispute ID : XXXX Amount : {$500.00} Transaction Date : XX/XX/year> Buyer Name : XXXX XXXX Second Transaction : Transaction ID XXXX XXXX Dispute ID : XXXX Amount : {$170.00} Transaction Date : XX/XX/year> Buyer Name : XXXX XXXX On XX/XX/year>, I received two emails from Venmo regarding a buyer dispute from XXXX XXXX. The transactions were marked under " Seller protection '' by the sender, XXXX XXXX. The dispute indicated that XXXX XXXX did not receive a product or service. I requested Venmo to provide proof that there was a product or service expectation by the buyer by either showing proof of a receipt or an agreement of exchange monetary funds for a service or good. Neither Venmo nor the credit card company was able to provide the requested information. Instead, they automatically debited my account for {$670.00} without reasoning or proof of the lack of product or service. The consumer did not submit any documentation because XXXX XXXX did not initiate any product or service dispute, and I provided proof of the conversation between XXXX XXXX and me, along with proof that similar Venmo transactions occurred months prior with similar references. I explained that XXXX XXXX and I have a personal relationship, and he is sending the transactions to support his child. Venmo did not comply with providing me proof of a product or service transaction and ruled in favor of the credit card company despite XXXX XXXX and I requesting for Venmo to rule in my favor. Venmo did not find any proof of a service or buyer receipt, nor did they comply with their buyer protection regulations. I am requesting that Venmo provide proof that a service or product was the subject of this transaction and provide me proof of what item was supposed to be " shipped '' according to the buyer. Additionally, provide proof that the buyer ( not the credit card company ) initiated this transaction, and I would like to see proof of the dispute. I have yet to receive any documentation providing proof.
Product: Money transfer, virtual currency, or money service

On the XX/XX/2019, I executed 2 transfer ( s ) on the Transferwise platform under transaction ID : XXXX and XXXX for a total amount of US {$6000.00} where I was looking to sell those US $ to buy Euros and Sterling GBP. This was executed on the usual XXXX XXXX XXXX XXXX ( XXXX ) Account of Transferwise as I have been doing over the past 6 months On the XX/XX/2019, after Transferwise and XXXX received those US {$6000.00}, I received a notification from Transferwise that the transaction was cancelled as the bank account details was not accurate. Transferwise advised that the transaction was being cancelled and that I will receive the refunds within 2-5 business days On theXX/XX/2019, Transferwise advised that the transaction was cancelled because of a change of license and hence had a new bank account for non-US based US $ transaction. This change of license was never communicated and was not explained on the platform when executing the transaction On the XX/XX/2019 after multiple phone calls to Transferwise and several e-mails Transferwise sent a document arguing that this was a proof of cancellation and return of fund. This document was shown to XXXX XXXX XXXX with all details. XXXX advised that they never received any communication from XXXX that these wire transfers were cancelled. Typically for bank to bank transfer a swift message is sent so the other party bank can take appropriate action On the XX/XX/2019, after 11 days ( 7 working days ), no money has been received on my bank account. I have been spending more than 10 days with no idea where are my US {$6000.00}