23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a RushCard back in XX/XX/XXXX for my direct deposit in XX/XX/XXXX I purchased a hotel through XXXX and as long as I cancelled by the cancellation date I would n't be charged. The hotel charged me twice. I made a claim through RushCard in which the declined. I had to send a rebuttal letter in which I did in XX/XX/XXXX and I have n't heard from RushCard I have called they said they they are going to send a message to corp. and they would respond in two business days sometimes they tell me they will respond in six hours. I asked how long they are respond to response to the rebuttal letters. I was told 30 days. I 've been waiting 6 months for my money. I 've been waiting 3 months for corp to respond to about the fees they are charging me to transfer between my two RushCard 's which are both under my same social. So last week I called a demanded my money from them and they sent another one of their messages to corp. yesterday I go to login on my account to find it was suspended I call they told me hay corp said that it had the wrong social attached. Now keep in mind I had that second card since XX/XX/XXXX when I call enter my social in IVr it said that I have two cards under my social. They closed it without my knowledge and caused me returned payment on two of bills. They than sent me a check that they say will take 7-10 business days. I am moving out of state next week and I wo n't be here to get that check and I have two bills that are delinquent now. RushCard has stolen over 600 $ from me. I demand that they are investigated and shutdown!!
Product: Debt collection

Aargon Collection Agency in XXXX XXXX is pursuing me for a debt that is {$220.00}, placed with them by XXXX. We moved from XXXX  in XXXX and we paid our last electric bill. I have called XXXX and they claim we have a XXXX  dollar balance with them. 

Date opened is XX/XX/XXXX. We moved in XX/XX/XXXX and saw no bills from XXXX and we live in XXXX now. 

We have sent three letters to Aargon and I have disputed this with the Credit Bureaus, they claim disputed information is accurate. I have ask for debt validation and have not received it. 

This account needs to be closed, and this information needs to be removed as Aargon has not been following the FCRA.
Product: Credit reporting or other personal consumer reports

Experians continued failure to properly investigate and remove inaccurate credit reporting information. I have been severely impacted by Experians noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), which has resulted in Experians improper reinsertion of disputed items and failure to conduct reasonable investigations into reported inaccuracies.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian in XX/XX/XXXX, citing Experians failure to properly investigate consumer disputes, remove incorrect information, and prevent reinsertion of previously deleted errors. My case falls squarely within the pattern of noncompliance outlined in the lawsuit. As a result, Experians actions have harmed my ability to obtain credit, secure employment, and pursue housing opportunities.

Accordingly, I demand an immediate and thorough investigation into the following disputed accounts and inquiries, as required under the FCRA ( 15 U.S.C. 1681i ). If these items are not verified with legally sufficient evidence within 30 days, they must be permanently removed from my credit file. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect reporting, requires deletion XXXX XXXX XXXX XXXX XXXX ) Inaccurate, must be removed XXXX XXXX XXXX XXXX XXXX  ) Incorrectly reported, requires deletion DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Outdated and unverifiable, requires deletion XXXX XXXX XXXX XXXX XXXX ) Incorrectly attributed, must be removed XXXX ( Multiple Accounts ) Unverifiable, requires deletion XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrectly reported, remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate, delete XXXX XXXX  ( Original Creditor : XXXX ) XXXX Account # XXXX ) Incorrect, requires removal XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Inaccurate reporting, delete Disputed Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX ( Unauthorized ) XXXX Inquiry Date : XX/XX/XXXX ( Unauthorized ) XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Unauthorized ) Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Experian is required to conduct a reasonable investigation and remove any information that can not be verified. Failure to comply will result in further legal action, including but not limited to, a formal complaint with the CFPB and potential litigation.

A copy of the CFPBs lawsuit against Experian is attached for reference. Please confirm receipt of this dispute and provide a detailed response within the legally mandated XXXX period. If Experian fails to take corrective action, I will pursue all available legal remedies to protect my rights.
Product: Mortgage

The mortgage servicing company " Shellpoint Mortgage '' did not pay the XXXXoperty taxes for one of the rental properties last year. After receiving the delinquency notice from the county in XXXX XXXX XXXX I paid the taxes out of the business account and notified the company of their error. They have still not reimbursed me for the tax payment 4 months later. They also overcollected and overpaid the property insurance bill on XX/XX/XXXX XXXX XXXX. 
They should have collected and paid {$3700.00} but instead they collected and paid {$11000.00}. The insurance company already issued a refund to Shellpoint and although I requested an escrow review and refund for the overage of {$7500.00} I have yet to receive anything.
Product: Student loan

XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''
Product: Credit reporting or other personal consumer reports

I called trans union and requested the provide me with proof of Principle Purposes for the inquires on my credit and they have refused to provide this
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file 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: Debt collection

I moved into my apartment on XX/XX/XXXX, stayed my full lease length of 12mo, with all on time rent payments. Moved out on XX/XX/XXXX, was told i would be receiving the security deposit within 30 days after moving out. When the end of XXXX/ beginning of XXXX came around and never received it, i called multiple times weekly to inquire, with no answer. After getting an answer mid-XXXX was told that i owe them money, and that i wouldn't be receiving it. When asked for proof of this was denied/they couldn't provide it. Further investigation showed that the collection was put in on XX/XX/XXXX, which was approximately a month after i moved out and from the time I moved out, to the time i discovered the collection in XXXX, was not once contacted in any form about the debt they felt i owed them or any type of proof to show that i did.
Product: Checking or savings account

On XX/XX/2020 I received an two emails to my personal email which included personal financial information in my personal email regarding the transactions I had done through the online app. 

I feel that I should have received an email telling me I had a message with Chase app which would have been private and encrypted. Instead they sent an email to my personal email which I felt was a violation of my privacy rights. 

The information contained was alarming to say the least. I am fearful of identity theft due to their actions.
Product: Student loan

Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I pulled my credit and noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries 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: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( XXXX U.S.C. XXXX ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( XXXX U.S.C. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under XXXX U.S.C. XXXX and XXXX. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 fraudsters, XXXX XXXX and XXXX XXXX were able to access my account and fradulently take out a personal loan in the amount of {$3500.00} and now Navy Federal Credit Union is holding me responsible for paying off that loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services Inc, a financial reseller, made two separate unauthorized credit inquiries on X/XX/2017and again on X/XX/2017. I have never heard of this company and did not request/authorize an inquiry from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing that I applied for a credit card on XX/XX/2021. Reported by Experian. I did not apply for a credit card to this company on this date.
Product: Credit card

I've always ensured that payments on this account are made promptly, avoiding any overdue payments. However, I'm unclear about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and XXXX about an account that I have some incorrect information on. I have 5 late payments on an account that should not be on my account. I sent out a dispute by mail on XX/XX/2023 showing proof that the late payments were not suppose to be on my report but XXXX told me that they have not received anything. At that point, I tried submitting the documents online but did not go through. Im also trying to fix this same problem with Equifax but I could not reach anyone on the phone.
Product: Credit card or prepaid card

I'm trying to use the insurance feature on the card for delayed baggage and flight cancellation. It is my belief that I've brought them all of the documents they've asked for, but Chase keeps coming up with more hurdles while failing to alert me that they want more documents. It's as if they do not want to make good on their card features.
Product: Credit reporting or other personal consumer reports

Despite several attempts to correct a late open account this discrepancy remains on my credit report, causing significant financial harm and distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. Subsequently, I have made several attempts to dispute this inaccuracy with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. Despite my commitment to resolving this matter, this inaccuracy remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. This unresolved credit report issues have caused me significant stress and financial hardship. Please help me correct this account in Equifax and remove in XXXX and XXXX Credit Bureaus in my credit file immediately : XXXX XXXX XXXX Balance Owed : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXX NY XXXX, CITI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Barclays Bank Old Navy XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose.

You can not report transactions on a credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/ I asked that inaccurate information be removed from my report. They failed to due so, but only received an email that it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters from XXXX XXXX  stating they have bought the debt back and are the owner of the debts being challenged as fraudulent. This means PORTFOLIO RECOVERY is to remove the debt with XXXX/XXXX  XXXX  IMMEDIATELY from my report. XXXX XXXX  has been full of lies. They promised me a check in writing to CFPB and me on XX/XX/2020 and then when I called them to find out where it is they were rude and admitted that their notes are full of contradiction and told me they are NOT sending the check they promised for {$220.00}. Furthermore I have a letter showing one account to be found fraudulent and by phone they tell me it's not fraudulent, still opened, that the amount they have refunded me of {$120.00} is being added back to the balance of the still opened account. Until this is resolved I don't trust anything they say. Therefore I am making sure PORTFOLIO RECOVERY is removed as they too can not provide any contracts or proof this is my account AND they letter from XXXX XXXX, dated XX/XX/2020, states they are the owner of the account and have bought it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an individual who is potentially impacted by the Equifax credit bureau leak. This comes as the result of gross negligence and makes me a risk for identity theft for the coming decades. 

Operating a system that was easily defeated, after storing my name, address, DL #, CC # and SSN in plain text is not only foolish, but dangerous and willfully negligent. In addition to this, the time delay of notification, as well as the corrupt affect checker is in serious breach of the law.
Product: Checking or savings account

I deposited {$1300.00} on XX/XX/23 expecting my funds the following Monday XX/XX/23. Wells Fargo said that the check my employer gave me didnt have funds from my employers banks which isnt possible since I havent had issues in the past. So Wells Fargo put a hold on my check I deposited on the XX/XX/23 until XX/XX/23. This causes me not to be able to pay my rent, get gas, or feed myself for 12 days after I was paid.
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my Experian credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( XXXXXXXX XXXX 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 an account without my written instructions.
Product: Mortgage

Loan Depot is my mortgager. They paid the wrong insurance company out of my escrow account on XX/XX/2021 and then finally paid the correct insurance on XX/XX/XXXX. They used funds from my escrow account to pay both insurances leaving me a deficit in my account. I have asked to have the funds from the wrong insurance credited back to my account in the amount of {$1700.00}, but still nothing has been done. This has been going on for weeks and they tell me I need to talk to the insurance company to get my money back. I have no contacts at this insurance company and am getting no help from Loan Depot. I'm currently in the process of refinancing with another mortgage company and Loan Depot are including my deficit in the payoff notice even though I should have a positive balance. I feel like the money has been stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can you report this account as Late Open when my record shows that this account was Balance is XXXX? Please correct this account immediately. Also, you are reporting an account that is deleted from another Bureau.

OAG CHILD SU XXXX*** Balance : {$0.00}
Product: Student loan

I enrolled in the XXXX program but was never given any answer on whether it was accepted. Today received notice that my loans are in forbearance. Student loans are essentially a debtor 's prison, and this broken system makes the burden even harder.