23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 bank XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Has violated my rights. 

I looked at my experian credit report on XX/XX/XXXX, XXXXAnd according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Mortgage

On XX/XX/XXXX we entered into a Refinance of our Home Mortgage with Amerisave Mortgage Corp. of XXXX GA, following a referral from XXXX XXXX. We were assigned a Loan Originator, XXXX XXXX, from their XXXX Office. We asked MrXXXX XXXX if an Appraisal of our Home would be required and he replied no. We then paid {$500.00}, as required, prior to the Company advancing our Mortgage. On XXXX we received a document request including instructions to assign our XXXX XXXX XXXX to XXXX. On XXXX we faxed all requested documents and reassigned our Home Owners Insurance. At this point, communication with Mr. XXXX was poor. XXXX Mr. XXXX sent a second document request, " concise list of what is seen as outstanding at this time '', and on XX/XX/XXXX we faxed the single document requested. No additional requests were received. On XX/XX/XXXX Mr. XXXX sent us undated Disclosures for our signature. We emailed some questions to Mr. XXXX. We left a voice mail on XX/XX/XXXX because of no response. On XX/XX/XXXX, following a complaint to the XXXX office we were assigned a new Loan Originator, MrXXXX XXXX XXXX. He answered our questions, and said we were now required to have a Home Appraisal. Our provided Time Line will provide concise additional information.
Product: Checking or savings account

On XX/XX/year> i was suppose to recieve my direct deposit, however i didnt i was charge for late fees and had so many bills to be paid. Capital One was down and did not send out any emails or updates regarding this issue. I had to call Capital one and wait XXXX for them to pick up just to tell me they having technical issues.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/XXXX. 
Prior to filing, I had not missed any payments on 15 accounts that I had. 
Once I filed, an automatic stay was filed. 
The bankruptcy is now discharged. 
XXXX and XXXX  are reporting my file correctly. Experian is not. 

They are showing negative payments on all 15 accounts in my credit summary. 
However, when I try to dispute them, it will not allow me to select " Payment never late '' as a reason. It then states that the payment was never late. The same happens on all 15 accounts.

So, in short, my credit score with them is based on 15 late payments even though they say payments not late on each individual one. 

I attempted to dispute and explain on XX/XX/XXXX and XX/XX/XXXX, both times nothing was changed with the negative payments My score is around 100 points lower with Experian because of this
Product: Checking or savings account

Ive been using wells fargo for about 4 months now. Recently they closed my account due to someone else using my s.s. from their standpoint. They attempted to close my accoun before for the same problem but i already made the appointment and re showed them the original s.s. card and my ID. They still closed my account and this morning i tried getting a new account opened but to no prevail because my s.s. was already used by someone else 's account
Product: Debt collection

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2023. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian and XXXX for XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian and XXXX for incorrect credit reporting and their failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, they have failed to properly investigate and correct inaccurate information on my credit report. 

This incorrect reporting has negatively impacted my credit score and financial opportunities. Under 15 U.S. Code 1681o, Experian and XXXX may be held liable for : Actual damages caused by their failure to maintain accurate reporting. 
Attorneys fees and court costs if legal action becomes necessary. 

I request that the CFPB immediately intervene to enforce compliance with federal law and ensure that this inaccurate information is corrected. Please confirm receipt of this complaint and provide updates on any actions taken against Experian and XXXX regarding this matter. 

Thank you for your time and assistance.
Product: Mortgage

US Bank Mortgage company reached out to me multiple times, a lender in another state in the " wealth management '' department. Promising an easy refinance since all my banking was with them. When the rates got into the low 6 % range I contacted him, was given a rate quote, agreed and within 15 minutes i was sent a loan application and loan costs which i signed and returned online. 

All loan disclosures had the same printed rate of 6.12 %. I paid a fee, the appraisal was complete, the loan was approved and after weeks of not hearing about a signing date i called several times and kept getting the brush off as don't worry it will happen and you wont have to pay your XXXX payment. When that didn't occur it was it would close soon and you wont have to pay your XXXX payment. Then i got a call from the agent saying " we '' had a problem in that he didn't lock our loan. ( 6 weeks after we signed the original disclosures. ) Then it was we had to wait for the next XXXX  meeting then his final response was we needed to wait a little longer. 
I told him that was unacceptable. I called his manager. Manager never even responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX checked my credit reports and noticed that there is inaccurate information being reported on my credit report. I sent in a dispute letter to Equifax, XXXX, and XXXX and I haven't received any response. 

15 USC 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 

15 USC 1681c-2 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, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My student loans ( XXXX ) were taken out of Income Based Repayment and forbearance without my knowledge. I reached out to them and they were to put everything into " current '' status. They even credited me all of the late fees, because of the issue, but said that there is nothing that they can do about the credit reporting. 

I had no Idea that this had happened until multiple loans hit my credit report at once and my score dropped very significantly. I only discovered it by checking my Experian report because I am within days of getting a home loan and this will drastically affect my financing. I really need help here to get this fixed and my report updated. 

Thank you!!
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$330.00} XX/XX/XXXX XXXX {$960.00} XX/XX/XXXX XXXX {$73.00} Ive submitted disputes and also called the company to rectify this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against the credit bureaus because on XX/XX/2021 I sent them letters about accounts on my credit that are wrong and this companies havent updated my reports. I am in the process of trying to get a loan for a house and the fact that they have not responded to me is unacceptable and definately violates my rights a consumer. I am promised a response in 30 days and it has been well over that. At this point I demand the items I am disputed be removed. I know this companies like to use stall tactics because I have made complaints before but I am the only person that is fighting the wrong things on my report and nobody else. I will attach the letters I sent.
Product: Debt collection

On XXXX XXXX, I observed that a collection debt was placed on my credit report by a Portfolio Recovery Associates. Never received any communication from this company nor did I have any idea what this debt was. Had to call XXXX credit bureau to even find out that it was Portfolio Recovery supposidely attempting to collect on behalf of XXXX. My ex-wife received a call yesterday requesting me to call back a number regarding a " final attempt by XXXX to deliver me some important documentations. '' I called back the number and got XXXX minutes of hold music but nobody ever answered.
Product: Payday loan, title loan, or personal loan

This company is over changing me this loan i need them check out. 
The amount was {$8900.00} that had to be pay off in 144 months it was pay off in 39 months the least statement said that I need to pay {$310.00} to pay this loan off I pay {$320.00}. now they saying that I owed {$57.00}.
Product: Debt collection

This debt was opened in XXXX. XXXX and default was XX/XX/XXXX and its now past the 7 year mark and they're still reporting on my credit report, with new collection names and new dates. this is a continuation of the original date. Still the same XXXX  and reporting as a new debt, they are in violation of the FCRA by not retaining the same delinquency date.
Product: Debt collection

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from XXXX, TransUnion, XXXX. The following eight companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX  MARYLAND Date XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXXXXXX XXXX  MARYLAND Date XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to XXXX, XXXX, and TransUnion to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ). 

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling XXXX, XXXX, and TransUnion to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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: Credit reporting or other personal consumer reports

It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting an inaccurate late payment for the XXXX  XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a XXXX XXXX XXXX XXXX You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts with these different creditors, have 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 states that a consumer reporting agency can not furnish a account without my written instructions. 

Creditor : XXXX. XXXX XXXX XXXX- {$620.00} - XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX- {$3600.00} - XXXX XXXX XX/XX/XXXX XXXX. Department of Education- {$1100.00} - XXXX XXXX  XX/XX/XXXX XXXX. US Dept. Of EducationXXXX - {$3400.00} - XXXX XXXX XX/XX/XXXX XXXX. Department of Education - {$1900.00} - XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - {$10000.00} - XXXX XXXX XX/XX/XXXX XXXX : XXXX. XXXX XXXX XXXX - {$4100.00} XXXX XXXX : XXXX. XXXX XXXX bank ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( bank ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/2019 I was an employee at XXXX & XXXX. My aunt passed away and i was admitted into the hospital on XXXX work related stress. I was approved fmla for the time off and paid by the company. when i returned i was XXXX. I was billed for company items that were given to me on discounts as an employee. My bank accounts were closed. I never did any business outside of being a company employer. I don't know who is asking me for money. I was not allowed around company properties during a year long investigation and grievance during the pandemic. I never signed a contract nor I gave permission to pass information to a 3rd party that I never heard of post pandemic. This company did not verify a debt without sending written information or notification post pandemic. I dont know why I owe this company the dates are between XX/XX/2019 to present.
Product: Credit card

Dispute ID : XXXX Amount : {$390.00} On XX/XX/2023, I submitted a dispute for a pair of sunglasses that broke due to what appears to be an apparent manufacturing defect within the return period and the merchant refused the return request. 

On XX/XX/2023, I submitted additional evidence as requested by Citi. I included all the photos, email exchanges, and annotations stating what happened in a PDF file. This is as complete as possible. 

On XX/XX/2023, I emailed Citi dispute department to follow up as the case has not been updated to show they received the additional evidence. 

On XX/XX/2023, I received a letter from Citi stating that my dispute failed because " we did not receive a complete response ''. Citi did NOT say what is missing and did NOT give me a chance to add more evidence. They simply say " we are unable to assist you in this matter ''. And now I am on my own to dispute with the merchant.