23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was told my funds would be available on XX/XX/XXXX. Then an additional hold was placed. Funds noe wont be available until XX/XX/XXXX. I was told there was a fraud hold for collectability of the amount. I asked what that meant and XXXX saod the funds had not cleared. I verified with the issuing bank and it was verified thst the funds had cleared and there was no problem with fraud or the funds. 
My bank still wknt release the hold says jts compuyet generated and theres nothing they can do. I was lied to multiple times about the hold and the reason fpr the hold being placed.
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies and discrepancies on my credit report provided by Experian. Despite my efforts to address these issues, they remain unresolved, negatively impacting my creditworthiness. Specifically : Duplicate Accounts : My report lists duplicate student loan accounts under the Department XXXX XXXX XXXX which inflates my debt profile. 

Closed Accounts Marked as Open : Accounts such as XXXX XXXX  and XXXX XXXX remain marked as open despite being charged off or closed. 

Incorrect Account Status : XXXX XXXX XXXX XXXX mortgage inaccurately reflects a past-due amount and ongoing delinquency, even though payments were made or otherwise disputed. 

Collections Issues : A XXXX XXXX debt shows as both a charged-off account and an active collection under XXXX XXXX XXXX, XXXX XXXX XXXX impact on my report. 

Old Information Not Removed : Accounts such as the XXXX XXXX  and XXXX XXXX  continue to report negative statuses despite being charged off over two years ago. 
I previously disputed these inaccuracies directly with Experian on multiple occasions, providing supporting documentation and clarifications. Despite the required 30-day resolution window, Experian 's investigation failed to adequately address these concerns or correct the errors. In some cases, I received no communication about the investigation results.

These unresolved inaccuracies have caused financial hardship by lowering my credit score, increasing loan and credit card denial rates, and preventing me from obtaining competitive terms for essential financial products. 

I seek the CFPB 's assistance in ensuring that Experian complies with its obligations under the Fair Credit Reporting Act ( FCRA ) by thoroughly investigating my disputes and correcting or removing the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( Equifax, XXXX and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.
Product: Checking or savings account

Vehicle impounded illegally No notice of location given to owner of record Difficulties encountered while determining funds availability which include constant website issues, an app which is nearly useless, and my local branch refusing to cash paychecks written from my place of employment literally one block away from which I regularly cashed checks. 
Lot fees of vehicle rise exponentially as days slip by. 

Blocked from depositing checks from lenders Unable to access my funds in bank No way to purchase legal aid in order to enlist the proper aid which might reconnect me with my vehicle. 


When I finally was able to find the location of the XXXX XXXXXXXX XXXX, it had been towed out of the city where it was parked. The parking lot it was alleged to have been violating the rules of state that a vehicle may be towed after it has been notified via writing on the vehicle after 72 hours from the notice. The owner of the business must be the one requesting the tow. Numerous points of procedure were overlooked I was not sent via usmail my vehicles destination, given pricing, or told a police report number. I spent months arguing futilely with two of the most agreeable organizations with which to spend time conversing logically in the world : the XXXX Police Department and a Privately owned Tow Yard whose owner blocked my cell phone number after I warned him of the potential ramifications of his criminally predatory tow practices. The vehicle was listed at around XXXX XXXX  and there were models being sold at dealerships which I would regularly pass by which were priced around XXXX XXXX. After the detective work was finally completed which unearthed the location of my vehicle, the Towyard began extorting me with its demands for exorbitant fees to be paid per day or hour or something with enormous fees tacked on for towing and storage. My Wallet, ID, Cell Phone, Laptop, and much more were in the vehicle they basically stole, and I was in a position where I chose to provide in home care to my mother while she was suffering through XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This Bank choosing not to work with me in an effort to recoup my property of significant value for a sum of money which initially did not exceed the amount which I was having direct deposited into my account was morale shattering. I felt hopeless, without value, and alone.
Product: Debt collection

It's been more than 7 years since I bought a cellular device from XXXX back in XXXX i believe. However, i returned the device via XXXX as was instructed by XXXX, due to it malfunctioning and not being suitable for my use case. I later on received a bill of about {$890.00} down the road for the price of the device and disputed by providing receipts of return in my dispute. Nonetheless, I'm still getting collection attempts and also disputed with XXXX, providing proof of my receipt a few years ago. I'll be very grateful if this matter is attended to since it's impacting my credit report and score. 

It's been more than 7 years and i don't have copies of the receipt no more. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$21000.00} from Addition Financial Consumer listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practice, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These action have caused significant inconvenience and financial loss and I seek appropriate redress for violations.
Product: Money transfer, virtual currency, or money service

I have initiated a international remittance with Remitly, on email I have received a date and time when the amount will be received by destination account. But the amount was not received on the date and time mentioned in the status. 
When I checked with the company through chat or call support then the money is getting delivered only next day or two. This is not one time happened. It happened continuously more than 3 times in a row. 
Every time they say partner is having issue in sending the money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX I have Identified information on my consumer report that are a result of Identity Theft this items are not related to any Transaction completed by me 15 U.S Code 1681 c-2 - Block Of Information Resulting From Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of { {$1000.00} } for each violation and adverse effects on my creditworthiness and financial standing. Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. You are required to do what I am asking and block these transactions from begin reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. Thank you
Product: Debt collection

I have repeatedly disputed items and I show XXXX open collections with a XXXX balance that should be closed because they are not collectible included in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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: Mortgage

I am XXXX years old and trying to modify my loan., Im on XXXX XXXX XXXX XXXX, XXXX XXXX surviver .. and Saterios loans is trying to trick me into a 40 year loan and says there is n other options., my house is worth XXXX XXXX 3 bd 2 bth in XXXX XXXX XXXX Ca I owe XXXX on the loan with 12 years left., Im having trouble makeing ends meet., = paying bills and Seteriors is trying to XXXX me with a bad loan offer..
Product: Checking or savings account

I was banking with Simple which is a part of BBVA USA and had fraudulent activity on my account. I have tried multiple times to submit tickets and report it, but have yet to receive any feedback other than robo replies. I can not get a bank statement from them, but was able to look thru my transactions and write out the following charges that were not made by me whatsoever : XX/XX/2020 XXXX - {$100.00} XXXX  XXXX  - {$74.00} XXXX - {$19.00} OF - {$100.00} XX/XX/2020 XXXX  XXXX  - {$74.00} XX/XX/2020 XXXX - {$100.00} XX/XX/2020 OF - {$20.00} XX/XX/2020 XXXX XXXX  - {$19.00} OF - {$14.00} XX/XX/2020 OF - {$50.00} OF - {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been battling with check n go and XXXX XXXX XXXX, regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is Check N Go 's responsibility to fix the errors or delete the account. 
Furthermore after Check N Go made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
Check N Go is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - XXXX XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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.
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 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 XXXX 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

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and
the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section
1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

I received an offer to open an account with TD bank and opened the account in XXXX of XXXX. In order for the account to not incur fees I needed to maintain a minimum of XXXX between checking and savings. I met this requirement with my initial deposit and was also informed even though it would take a few days for funds to show no account fees would be charged the first 40 days after account opened. 

I was charged a fee the first month the account was opened. I called and agent reversed the fee. I asked her to check account to make sure I was meeting all requirements and she said I was and couldnt determine why I was charged a fee. 

I told her there could be a broader issue and fees are incorrectly being charged to more than just my account. Its unlikely this is a one off. But she assured me it was and I should t be charged a fee again. I am reaching out to the cfpb because I was charged a fee again despite meeting all requirements to be a no fee account and I do believe this fee is incorrectly being charged to multiple accounts and TD is only crediting customers that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying Experian, and answering the required questions correctly to verify my identity, for me to access my online credit report. I noticed the following errors ( hard inquiries ) on my credit report : 1. XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   California XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Therefore, I decided to write a letter which is dated XX/XX/2018, to dispute the above mentioned errors. Consequently, I received a letter from Experian that stated, " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible.

My identity was verified online that is how I was able to receive the following reference number from Experian regarding my credit report : Reference number : XXXX  Any assistance that you could provide me pertaining to this matter will be greatly appreciated.

Respectfully, XXXX XXXX
Product: Debt collection

I asked the company to provide accurate documentation proving that the debt was indeed mine and proof of an agreement between the company and me over the validity of the debt. Unfortunately, the information provided by the company consisted of personal medical information that was not approved to be released to this company. THIS IS A VIOLATION OF HIPAA AND I WANT THIS INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding TransUnions Failure to Comply with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 7 ). Despite my repeated requests, TransUnion has failed to provide a description of their investigation process regarding disputed accounts on my credit report. Additionally, they continue to inaccurately report the following accounts as negative items : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX TransUnion has stated that the information on my credit report is accurate and verified ; however, these accounts remain incorrect. Their failure to respond to my inquiry and provide the required explanation is a direct violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies ( CRAs ) are obligated to provide a description of the investigation process upon consumer request. 

I demand that the CFPB take immediate action to enforce compliance with the FCRA. Specifically, I request the following : Require TransUnion to delete the aforementioned negative accounts from my credit report. 

Impose a fine of up to {$1000.00} per violation, as allowed under the FCRA. 

Ensure that TransUnion provides a detailed description of their investigation process in accordance with 15 U.S.C. 1681i ( a ) ( 7 ). 

I have attached copies of my correspondence with TransUnion, along with any supporting documents, for your reference. Please let me know if you require additional information to proceed with this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX