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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to inadequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash app ( Block. Inc ) do to inadequate service and unfair practice, violate the Consumer Financial Protection act ( CF PA ). Specifically Cash App failed to take timely and efficient measures to prevent and to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions has caused an significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions UNDER WHAT WOULD BE FAIR Delete Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute of Inconsistent Reporting on Car Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my CLOSED car loan account, XXXX XXXX XXXX ( Account Number : XXXX ) as reflected on my XXXX credit report. It has come to my attention that this account is showing as " open '' on XXXX, while both TransUnion and XXXX report it as " closed. '' Additionally, this account is inaccurately reflecting 30-day late payments with XXXX and Transunion that are not substantiated by my records. 

This inconsistent reporting is completely unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and reliable information. The discrepancies between the credit bureaus not only confuse potential creditors but also severely damage my credit score and financial reputation.

I demand an immediate investigation into this account to address the following : 1. Clarification of why this account is reported as " open '' on XXXX while being marked " closed '' with other bureaus.

2. Verification of the alleged 30-day late payments, including specific dates and details that support this claim.

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your prompt attention to this matter is not only expected, it is absolutely necessary. I will closely monitor your response and pursue any necessary actions should this dispute remain unaddressed. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of supporting documents, if applicable
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  Balance {$560.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$240.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$310.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$740.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$330.00} Open Date XX/XX/XXXX XXXX  Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$120.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX inquiries XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit card

I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Bankruptcy XXXX XXXXdischarged Reference number : XXXX Date Filed : XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX  XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus Admin Oda XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Almost XXXX  dollars was fraudulently withdrawn from my account. Chase bank did little to no investigation and denied my claim without any just reason. they made a hasty decision thats cost me XXXX  dollars. Set me behind on rent and put me In a horrible situation. They dont care or value their customers and they dont even provide the safety and security you would expect from an institution tasked with the protection of of our assets
Product: Debt collection

A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity.
Product: Checking or savings account

I tried working with both the fraud department at the XXXX XXXX XXXX, ie. Compass Bank ; I then wrote : Hi XXXX XXXX, this is XXXX from XXXX, and I spoke to a bank agent yesterday RE ; a {$38.00} over draft fee when back on XXXX XXXX or XXXX from XXXX restaurant after it was verified and still showing I had over {$80.00} in my account and made a purchase there of {$32.00}. they took an additional {$38.00} out saying NSF. I then received a fraud alert that there was a {$10.00} XXXX purchase that was declined & asked if I made this purchase and said no but I was glad they did not authorized the payment. I then auto deposit a {$26.00} and next thing I know there was 2 more transactions that were supposedly paid on my behalf after I showed it was flagged as fraud, told the agent to close this account. Now my account is {$180.00}. With those declined fraudulent charges paid after I told them to close the account and it showing the purchases originally did not go through Very confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my XXXX XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX  XXXX XXXX and they have failed to correct it.
Product: Checking or savings account

Someone logged into my Wells Fargo Account and processed 4 wire transfers. the last one was blocked by Wells Fargo. my account has already been closed. 

XX/XX/year> : {$2200.00} ( fee of {$25.00} ) XX/XX/year> : {$2300.00} ( fee of {$25.00} ) XX/XX/year> : {$980.00} ( fee of {$25.00} ) XX/XX/year> : {$990.00} ( blocked and cancelled by Wells Fargo ) I received a letter from Wells Fargo saying they attempted to recover the funds ( from XXXX XXXX, but were not successful. Additionally, the letter said Wells Fargo is not liable according to my online access agreement. " you are responsible for online wires that comply with the governing Security Procedure, even if you did not initiate them '' My ultimate goal is to recover my lost funds totaling {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Advised Equifax that XXXX XXXX A XXXX was opened in my name fraudently. I never solicited business from them. It still remains on my credit.
Product: Credit card

I made a payment to my XXXX card on XXXX mountain standard time which would make it XXXX eastern time. I made my payment on the due date. It shows on my statement that it was payed the XXXX it also shows that my late fee was posted the XXXX as well as an interest charge right before that. I called capital one to see about getting that XXXX late fee waved as I have never had one waved in the years Ive had them and about the fact that it showing on my end that it was sent in on the XXXX. The customer service I got from the supervisor was less than acceptable. Says that he is the highest person I can talk to and that if he cant resolve and situation then it doesnt get resolved. Hung up called again and said that I will be making a complaint with CFPB and somehow they were able to now wave the fee. This should not be allowed.
Product: Checking or savings account

I was alerted by the fraud dept on the XXXX of XXXX after I withdrew some funds, they said there is suspicious transactions on my account and when I called in, they asked questions about said transactions which I answered. Next they said they are gon na put my account under review for 24 to 48 hours. In less than 48hours I received an email from the bank saying my account is been closed. They didn't give me a reason, it's over a week and i have not received any form of letter and i dont know when am going to get my money back.
Product: Debt collection

this bill is from ever source on this address XXXX XXXX XXXX XXXX ct .... I have a collection notice from XXXX XXXX XXXX XXXX XXXX, Ltd for XXXX bill is owed from XXXX to and today they says... but I sold this house on XXXX and the new owner showed me all the ever source bill on time ... number one is not my bill ... number two new owner paid already that bill .... this is account number XXXX ... but ever source still sending me two more account numbers on that address ... please check ever source electricity supplier... is killing customers credits for no reason... thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduate college. I moved to another address. Never got any kind of mail/email about a payment due. Months later XXXX missing payments showed up on my credit report from student loans. I had no way of knowing what and when was due. I later got the loans forbearance because of low income. These missing payments should not be on my credit report because I was not informed.
Product: Credit reporting or other personal consumer reports

XXXX Closed account on XXXX XXXX. OFFERED SETTLEMENT for previous bank account that is closed. Settlement paid on XXXX XXXX. Status of account was never updated, company continued to report poor remarks and demand full payment. Company shill continues to demand full payment. Credit reporting agenecy has incorrectly stated account meats FCRA standards without running investigation. When asked to delete file they update with wrong information. They have recover disputes since XX/XX/2023 and have refused to resolve error 's for XXXX  months now
Product: Debt collection

I got a notification that a new account was opened on my credit report. I noticed this account from Jefferson Capital and immediately called. I stated that this account did not belong to me. I then went on to ask how did they place this account on my credit without reaching out to me prior? I was not notified prior to this account being placed on my credit, and therefore not given the time to respond or dispute this alleged account. I spoke to three people in this company all of which on a recorded line could not verify with dates that I received communications about this debt. Had I received the proper notification of this debt, I would've disputed with the proper documentation to show it is in deed identity theft. I have never had a XXXX  phone or XXXX  account, my phone is in my parents ' name, always has been.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Initially I applied for what would have been a     3rd Pr osper lo an, having paid off    XXXX     already in years past and having the  2nd    almost 50 % paid off. In other words, a good   history with h Prosper with  no late payments and a solid credit file.     I qualified for up to {$13000.00} and elected to borrow {$10000.00} at 17.9 % apr, with a shorter term.     I fulfilled all the requests for documentation. I supplied salary stubs,  my 2016    XXXX  , and  XXXX  from income received from my   XXXX   XXXX   that I recently started back up.     I received a call from a  Prosper loan specialist a nd was told that I could either not include the  XXXX  income because  Pros  per could n't in clude it for some odd reason. I was told I had to reapply and state I was  XXXX  in order to have BOTH sources of income considered. I then stated to forget the  XXXX  income as in past years I had qualified for $  10,000+ on  my  XXXX  income alone. The loan  specialist said it di d n't matter, either way I had to reapply. This made absolutely no sense.     I then received a message that my loan had been denied because  Prosper  " could not verify my income '' despite having current pay stubs,  2016     XXXX  and  2016     XXXX . This is an outright falsehood.     When I went to reapply as instructed I only qualified for $  XXXX  {$9500.00} and now the interest rate jumped to 22.35 % to 34.01 %, depending on the term.      Prosper did something similar on the very first loan I took out. Now that it 's happened a second time I see the scam. Prosper denies applicants a loan AFTER its pulled a hard inquiry, which drops the applicants  XXXX  score. It then offers an outrageous rate and uses the excuse of the applicants   XXXX   sco re, which its done damage to with the hard inquiry.     This is unethical and shoul d be illegal. Prosper was pe rfectly capable of verifying my income initially and the fact that it doubled the rate speaks to its lack of ethics and truth in lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  does not have permissible purpose to run this credit report pursuant to 15 U.S.C 1081b. 

From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX CEASE and DESIST ORDER I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028A. Pursuant to 38 U.S.C 5727 ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 9 ), XXXX XXXX is aware during the 2019 data breach ( announced XX/XX/2019 ) which contained my nonpublic personal information. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX fails to comply with this CEASE and DESIST ORDER pursuant to 18 U.S.C 894 ( a ) ( 1 ) ( 2 ), XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX of XXXX XXXX, and XXXX  XXXX shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX  XXXX shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a cease and desist order or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute. I will be assessing a fine of {$1000.00} after ( 7 ) days of receipt until removal of this inquiry from my Equifax Consumer Report pursuant to 15 U.S.C 1681n. I will be forwarding this to the Attorney General, XXXX XXXX as well. With XXXX, XXXX XXXX XXXX, Consumer.
Product: Payday loan, title loan, personal loan, or advance loan

There is no method to request a XXXX payoff letter online. I called to request one and the agent said there was no way to request this letter. These letters are commonly requested and provided by financial institutions as they allow a seamless payoff experience. I am refinancing this personal loan into a HELOC at a local credit union for a much lower rate. I requested to speak to a supervisor who identified herself at XXXX - Account Manager. She also stated there was no way to provide the information and that there systems can not generate a letter. She did provide verbal information that was estimated. The credit union is rightfully going to want information in writing. The supervisor refused to send an email or write on company letterhead to provide this information.
Product: Credit reporting or other personal consumer reports

I RECEIVED NOTIFICATION THAT I WAS A VICTIM OF A DATA BREACH THAT OCCURED IN XXXX OR XXXX AND I AM UNABLE TO FIND THE LETTER AT THIS MOMENT, HOWEVER, IT HAS RECENTLY COME TO MY ATTENTION THAT WHOMEVER RETRIEVED MY INFORMATION DURING THIS TIME FRAME APPARENTLY BEGAN OPENING CELL PHONE ACCOUNTS IN MY NAME. A RECENT ACCOUNT FROM XXXX REPORTED FOR {$30000.00} AND I HAVE NEVER HAD AN ACCOUNT WITH XXXX. ANOTHER ACCOUNT FROM XXXX RECENTLY REPORTED AND I HAVE NEVER HAD AN ACCOUNT WITH XXXX EITHER. XXXX IS REPORTING WITH A COLLECTION AGENCY CALLED TRUE ACCORD AND I HAVE ALREADY FILED AN FTC REPORT AND MAILED THIS TO TRANSUNION ON SEVERAL OCCASSIONS AND TRANSUNION CONTINUES TO RESPOND A LETTER STATING THEY DONT ' BELIEVE ITS ME. I ALSO RECENTLY FILED ANOTHER FTC FOR THE XXXX ACCOUNT THAT IS REPORTING WITH XXXX XXXX. I HAVE SENT ALL THE INFORMATION TO THE CREDIT BURUEAUS AS WELL BUT I AM NOT HAVING SUCCESS WITH THESE ACCOUNTS BEING REMOVED AND THEY ARE NOT MY ACCOUNTS.
Product: Debt collection

received letter today monday XX/XX/XXXX of 2022 and reference number XXXX where the letter said i had account with XXXX XXXX bank as XX/XX/2022 i owed the amount of $ XXXXtill now said i owed same amount of $ XXXXand i like to dispute this is not me may bellongs another person on this house