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

According to the law, a description of the investigation process must be made available to me describing how this investigation process went. What procedures and methods you took should also be explained. May I ask what procedures did your company follow? What information did you use as a determining factor in the results of your investigation to conclude that the information was verified and accurate? Did you use the information that I provided to you in your decision making? When doing an investigation each account that is being disputed must be investigated using the procedures from 15 USC 1681 ( a ( ) e ). Can you provide me proof showing that you followed these compliance procedures pursuant 15 USC 1681 ( a ) ( e )?

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Experian did not do a proper investigation on the following disputed items on my consumer report. I have request the reinvestigation procedures numerous of times and they have ignored my request each and every time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received a Visa gift card from Vanilla Gift Cards. It was purchased at a local XXXX in XXXX XXXX, CA. This gift card was given to me with a {$100.00} balance. 

Upon opening the gift card, I noticed the second set of 4 digits were missing. So I was unable to check the balance or activate the card on VanillaGiftXXXX, due to having an incomplete 16-digit card number to enter. The card is also missing the security code on the back. 

I attempted to contact Vanilla multiple times, online, over the phone and it's impossible to get a hold of a representative to assist me in replacing the defective card. 

My last attempt was to try to use the card in-store without activating it, usually, some cards will allow you to activate them with your first purchase. It just gave an error and didn't allow the purchase to go through. 

I confirmed with the person who gave me the gift card and they had the receipt to confirm that the {$100.00} was paid and put into the gift card.
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 unfeasible. 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX  XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, Choice Recovery Inc # XXXX , Choice Recovery Inc #  XXXX , Choice Recovery Inc # XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Product: Mortgage

On XX/XX/2016, I request an escrow analyzes from Nationstar mortgage LLC. However, the servicer failed to " acknowledge '' our request under RESPA. Escrow analyzes can be review upon borrower 's request and in particular whoever changes have me made in connection with either taxes or insurance. The flood insurance decrease significantly and a refund check to be placed back into the escrow account provided to the lender, however Nationstar claims not to have process. Nationstar has been in receipt of the funds since XX/XX/2016. 
We request that Nationstar Mortgage LLC, places the flood refund back in the escrow account and credit my account accordingly and to conduct the escrow analyzes as per our request on which they even failed to " acknowledge ''.
Product: Credit reporting or other personal consumer reports

i have provided proof to the lender and XXXX  of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX XXXX XXXX XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XXXX ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to modify my loan in late    2015  through  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late    2015  has reported  2 lat e payments both   XXXX   days late. I have never paid my mortgage more than  XXXX  days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.
Product: Credit reporting or other personal consumer reports

Consumer reporting agency has updated inaccurate information on my reports. I requested validation of debt in which they were unable to provide. But in return furnished incomplete and inaccurate information on my file. Numerous examples such as date of account open reflecting a date more recent than date closed and delinquent payments. This is a violation of my rights and thus for these accounts should be deleted immediately if not I will be forced to take legal actions.
Product: Debt collection

XXXX XXXX is listing a debt that is over seven years old and has been removed from my credit report. They are listing it as a new debt as of XX/XX/2018. I have attempted to dispute it via my credit report and they validated falsely stating that it is a current debt. Again - this is a debt they purchased that is over seven years old.
Product: Debt collection

Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : Marvin SC Dang LLC XXXX Hawaii
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for these accounts to be removed from my credit report. Please see attached documents as it includes complaints.
Product: Student loan

I have tried contacting Aidavantage for them putting me into forbearance several times without my permission. Thus resulted in me being charged unwarranted interest, I contacted them several times and they can not give me an explanation as to why they are doing this. 

From XX/XX/XXXX- XX/XX/XXXXXXXX XXXX
Product: Debt collection

I have gave ALL parties XXXX chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt, also ask for not just verified. This account have been removed twice and Wells fargo dealer services continue to furnish account without sending me communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!! Please see attachment 18 USC 8
Product: Credit reporting or other personal consumer reports

There are several names and addresses being reported all addresses other than XXXX XXXX XXXX XXXX are not my addresses or names my name is XXXX XXXX XXXX all other names are not mines they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A fraudulent charge of {$490.00} was posted on XXXX XXXX, 2024 for a XXXX purchase to a sports game in XXXX XXXX submitted via XXXX and charged to my Chase credit card. I immediately disputed the transaction with Chase, my credit card company and XXXX. On XXXX XXXX, 2024 I received a letter that I received the benefit of the transaction which is absolutely not true. I do not live in XXXX XXXX, I live in XXXX. I had no reason to purchase the ticket and if they did a proper investigation they would notice I had no travel charges to XXXX XXXX to attend the sports game. They closed the case and I am left to pay {$490.00} for a game purchase I did not authorize nor attend. 

( Just FYI - I have changed addresses since this dispute and am updating my address with my Chase credit card company today. )
Product: Credit reporting, credit repair services, or other personal consumer reports

i am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from Experian, XXXX  and XXXX My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.
Product: Debt collection

In XX/XX/2022 I received an alert that I have a collection account from XXXX however that cant be because I have a current account with them and I havent missed a payment from any account in over 25 years. This is not my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 

The credit bureaus violated my given right under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States have the right to privacy.

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Mattress Firm / Synchrony Home : I returned a mattress within the timeframe of the terms. The action happened in XX/XX/XXXX. The Mattress Firm associate told me a credit would happen, and I should request a refund. The amount is {$2200.00} In XX/XX/XXXX, I formally requested my money refunded and was given a timeframe to receive a check. The check did not come. I made another attempt in XXXX of XXXX. I was given the same timeframe to receive my refund. The money never came. 
My first XXXX times reaching out were on the Synchrony app and when I interacted with an associate. 
In XXXX of XXXX, I made a call, was put on hold, and then hung up as I waited. 
I made a second call ( I am currently on the call as I am making the report ). The over-the-phone associate told me a check would be provided, which would take 7 to 15 days. 
I said that it was unacceptable and I should have the check expedited without fees on my side. The associate ( XXXX ) that responded was not able to assist me. I requested a manager who could help. I am currently on hold for an hour and three full phone-holding songs. 

I added a screen grab of my phone with the phone number called. It is the date of XXXX
Product: Checking or savings account

I opened a promotional checking account with Fifth Third Bank on XX/XX/XXXX I had completed the requirements needed for the {$250.00} promo but as of today I have not received it. 

The Problem : A loan popped up on my online account when I logged in one day, the loan says I owe {$4400.00} open date of XX/XX/XXXX, I asked the bank to provide documents but the say it's XXXX years old and no information exist, so I ask why is this unknown loan on my account showing due of almost 5k with no backup documents. also says balance of {$1100.00}? 

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

Upon review of my credit file with Transunion, I took note of several inaccuracies pursuant to 15 USC 1681. 

I sent the attached affidavit to Transunion, for all inaccurate accounts and inquiries to be removed. 

That has not yet been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Point, XXXX and XXXX have all 3 sent me " loan denial '' letters. I HAVE NOT APPLIED for a loan with either of those companies and DO NOT want it to reflect on my credit score. I am having to rebuild my credit after going through a divorce and I do not need erroneous hits on my credit report. I have contacted all 3 companies and explained all the above to them. I would appreciate action being taken to remove these inquiries from my report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$110.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Debt collection

This was a student loan with Navient originally opened by my Ex-husband ( apparently cosigned by me ) in XXXX or so. He died last year and instead of the debt being XXXX during probate it was passed to me. 

However, I previously declared bankruptcy and was approved for XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. ALL of my personal debt and student loans were subsequently XXXX on XX/XX/XXXX and I was granted a XXXXXXXX XXXX XXXXXXXX XXXX XXXX. The monitoring period for my discharge ended on XX/XX/XXXX. 

When I disputed this with Navient in writing, they dismissed me offhand and re-affirmed the debt, decreasing my credit score by XXXXXXXX XXXX since XX/XX/XXXX and ruining my previously Exceptional credit rating of XXXX. Navient has shown a complete disregard of Court Orders and continues to harass, disparage and damage me.
Product: Debt collection

XX/XX/XXXX email sent to attorney that originally helped me with this case back in XXXX : I received a call today from an unknown number, so my phone automatically sent it to voicemail. On the recording I was told that it is an attempt to serve me and that legal action is currently being taken against me. I initially didn't think anything of it because, like many of us, I've been receiving an increased amount of spam calls. Not five minutes later, my Mother sent me a text message and a recording she received from someone looking for me in an attempt to collect. 

It is at that point that I called the number that was left on both of our voicemails. The gentleman that answered the phone told me, after I gave him my case number, that it was Citi Bank from a card I had with them back in XXXX. I expressed my frustration with them calling someone other than me and to my knowledge that was still illegal, to which his response was that it is not. 

He then told me they are trying to serve me papers, my total debt owed is {$930.00} and any other questions I may have will be answered in court. 

Since you last helped me with this case, I have not received one phone call or any written correspondence regarding this matter. The case number is # XXXX, phone # XXXX. Additionally, I have checked all three major credit reporting institutions and none of them reflect this alleged debt or amount. 

XX/XX/XXXX : both my mother and I received another call today re : same CitiBank attempt to collect a debt via XXXX XXXX XXXX. When I expressed to the rep ( XXXX ) that what they are doing is illegal and that I would now be filing a complaint with the FTC, she started asking more questions about my case and at that point I just hung up. Phone # they called from is XXXX, case # XXXX. 

I had communication with my attorney, XXXX XXXX XXXX w/ XXXX, XXXX  XXXX on XX/XX/XXXX, at which time he advised me to not engage as it was a scam.
Product: Debt collection

I am filing a complaint because Pro Collect Inc. is not licensed to collect debt in my state ( Texas ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting Transunion is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation