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

I want to begin by commending the Consumer Financial Protection Bureau ( CFPB ) for its steadfast commitment to holding Experian accountable for its harmful, deceptive, and unlawful practices. The recent lawsuit filed against Experian for their mishandling of consumer disputes, sham investigations, and other violations is a pivotal step in protecting the rights of consumers like me.For over a year, I have been disputing inaccurate information on my credit report with Experian. Despite providing clear evidence and repeatedly referencing their legal obligations under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian has continuously failed to address these issues properly. My experience with Experian reflects a disturbing pattern of neglect and noncompliance with their responsibilities. Over the XXXX XXXX, I have submitted multiple detailed dispute letters, each providing evidence that highlights inaccuracies on my credit report. Experian has failed to conduct legitimate investigations, instead uncritically accepting responses from furnishers without verifying their accuracy or reliability. Despite my efforts, Experian continues to report false information on my credit report. This refusal to correct inaccuracies directly violates the FCRA and their obligations to ensure accurate reporting. Experians responses to my disputes have been vague, incomplete, and inconsistent, often leaving me without clear answers or resolutions. This has prolonged the process and left me without recourse to correct the errors that are harming my credit. Experians failure to resolve these disputes has caused significant and ongoing harm to my life, including. The continued presence of inaccurate information has denied me access to credit, increased my financial burdens, and limited my opportunities for housing and other essentials.The stress of dealing with these unresolved disputes for over a year has caused immense frustration XXXX XXXX. Inaccurate credit reporting has prevented me from achieving financial stability and pursuing opportunities that depend on a fair and accurate credit report.I respectfully request that the CFPB take the following actions : Investigate Experians handling of my disputes and their compliance with 15 U.S.C. 1681i. Require Experian to remove the false information from my credit report immediately. Impose penalties to hold Experian accountable for their deceptive and harmful practices, ensuring justice for myself and other consumers impacted by their actions.I deeply appreciate the CFPBs efforts to enforce accountability within the credit reporting industry. Experians unlawful practices have caused substantial harm to my financial and personal life. It is my hope that through your investigation and enforcement actions, justice will prevail, and Experian will be compelled to comply with the law. Thank you for addressing this critical issue. I am prepared to provide any additional information or documentation necessary to support your investigation.
Product: Credit reporting or other personal consumer reports

I had been a victim of Identity theft and as I disputed the fraudulent accounts, it already vanished from my credit report. Then suddenly, it appeared with a different account name yet the same information. This is really unbelievable! You are playing trick games with your complainant. I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX, account number XXXX your results indicate that this item was associated with XXXX which has already been deleted. Upon reviewing my report the item is still listed with a different account name. Please delete the item as per your investigation results indicated. And investigate thoroughly with this account.
Product: Student loan

When i initially borrowed my student loan i was never notified that it was only a 7 year pay back period therefore making my monthly payment extremely high. After complaining to Navient they said i had no other option except to use forbearance up to 12 months.
Product: Mortgage

FOLLOW UP TO COMPLAINT XXXX of X/X/2017. Further to my telephone call today, I was advised that an insufficient number of offenses have been committed and, therefore, not sufficient to raise the interest of CFPB, which intends to take no action and to offer no protection. The Equal Credit Opportunities Act ( ECOA ) requires that a decision be rendered within thirty days. By their own admission, The Money Source ( TMS ) has failed in this dury. Why did it take so long to recognise the Home Equity Loan, when all the relevant information was readily available? Why the lengthy delay from the time they reversed their decision until TMS issued their Adverse Action Notification? TMS responses have been conflicting, evasive and wholly unacceptable. As a Consumer Protection Bureau, TMS has neither fear of you nor respect for you. I need your protection and action. I need you to live up to your title. Please indicate your intended action. Failing appropriate action, I will have no recourse but to appeal to my Congressman ( XXXX XXXX ) to persuade CFPB to carryout their functions. XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60  days I would like these accounts removed from my credit Report
Product: Credit card

On XXXX XXXX, 2023, I tried to cancel an order, the vendor said that I couldn't. I have all e-mails with this company and Discover still sided with the vendor. This is not the first disputed case that I have had with Discover and they favored the vendor. I feel as thought Discover is part of a conspiracy ring that is getting a cut from these vendors that don't deliver! 
I've talked with Discover Customer Service and their Dispute cases are totally NOT ON THE SAME PAGE. All the vendor is showing is a packing slip with my address on it. This is not a way to verify that I received my package. Honestly, this whole disputes with Discover has totally killed my integrity as an individual. I'm changing my card after my account is cleared!
Product: Credit card or prepaid card

Someone opened a credit card in my name and ssn I have spoken with XXXX XXXX and they say the card was opened with a New Jersey address and we live in Louisiana the card is with Celtic bank/continental finance it was opened XXXX/XXXX/21
Product: Debt collection

I have been living in XXXX  for 4 years now and on XX/XX/2020 a collection was placed on my credit reports for a debt the debt collection that was opened XX/XX/2020. I have NO KNOWLEDGE of this debt nor was I given the due process/right to dispute this debt I know NOTHING about. Like I said I have been in XXXX for 4 years and this is a debt from XXXX. I have no information on what information that clearly MATCH mines, make this my bill, or when this bill/medical visit was made because the information clearly states 2020 and I have NOT had any doctor visits in XXXX. I have absolutely NOTHING. They failed to send anything to me so I could have disputed this debt in a timely matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, 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 Ele
ctronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Equifax is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was collected as automated to come back as " verified ''. This is XXXX! 
Equifax is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate XXXX regarding this matter. Next step is to sue! 

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.
Product: Credit reporting or other personal consumer reports

I have a long time victim of fraud and identity theft with police reports confirmation and confirmation from some organizations that I have been a victim of with people who stole my information opened credit cards accounts in my name and phone accounts which I reported to the credit bureaus which open fraudulent accounts without my consent by ignoring the fraud alert on my credit file and banks having credit cards under my name which I reported to the credit bureaus to remove but they refused and asking me to bring the police report which these organizations refuse to respect due to my race and XXXX with lack of protection I contacted the banks to give me the credit cards appearing on my credit file they refused and asked me to contact the credit bureaus so i I have been given a run around with various complaints filed and police reports which have been ignored I contacted the phone companies when I discovered someone else using my information and credit while I was making a payment and asked me agent to call the credit card office when I was there she refused to show that I am not protected I contacted the phone companies after people left messages on my phone of goods that I ordered online and the agent told me that was my problem and they have nothing to do with that so I investigated and found the store which confirmed their customer to be ordering products using my phone number and I asked to know the person they refused protecting the criminals but they asked me for my contact information which I provided until today they never contacted me so I reported the store to the phone company asking it to provide me the official letter stating that I was the sole and legitimate owner of the phone number they refused but instead they reported my name to the credit bureaus forcing me to pay for the phone number which criminals are using making me to pay. 
I contacted the banks informing them why criminals open accounts without alerting me they failed to explain. 
I have been ignored and reported to be the defaulted for fraudulent transactions and accounts due to my race even after providing the police reports. 
I contacted the credit cards informing them about incidents but they were busy asking me to contact the insurance company to pay for fraudulent transactions which criminals impersonate my identity and personal information I have requested the return of my insurance payment protection that I have been paying for years for the credit cards but instead reported me to credit bureaus as owning money which is very unfair and unethical by these organizations treating me unfairly but violating the laws on the protection of consumers victims of fraud and identity theft. 
They spoiled my credit in bad faith making it hard for me to get credit facilities because of their unfair and illegal conducts which shows XXXX discrimination and bias in the delivery of services and protection of customers victim of fraud and identity theft due to my race and XXXX forgetting that anyone can be a victim or target of cybercriminals
Product: Mortgage

I have diligently paid my mortgage payment via ACH since it was first sold to Rushmore Loan Managment. I was notified that they had sold my mortgage to a different servicer but had not sent the monthly payment that was debited from my account on XX/XX/2021 in the amount of {$12000.00}. After speaking to Rushmore they informed me they decided to take that monthly payment and apply it as an additional principal payment. This was done without my knowledge or consent, furthermore they have also failed to forward that {$12000.00} payment that they say was applied to principal to the new servicer so my principal at the new servicer is the same and is still accruing interested while Rushmore does whatever they wish with my funds.
Product: Credit reporting or other personal consumer reports

Ive let them know that the bankruptcy on my credit report was in correct they told my too file a report. Im victim of identity theft and these items are not transaction conducted by me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

We called to ask about Forbearance plan, and was told information would be sent out for our review. We received a letter on XX/XX/2020 stating we have been approved for a Forbearance plan. After reviewing the information we decided this is not for us and paid our monthly payment on time and have been paying on time as our credit report stated all for the month of XXXX states No Data Show ( ND ). We are request the month of XX/XX/2020 to be shown as paid on time.
Product: Credit card or prepaid card

In XXXX of 2021 I opened visa credit card with Wells Fargo. In promotion they promise me to give me {$200.00} cash reward if I spend {$1000.00} within 3 months. So I did. But not {$200.00} were given to me, nor even cashback that I earned using this card towards other purchases. I contacted Wells Fargo ( XXXX XXXX XXXX ) at XXXX XXXX and person ( supervisor ) XXXX XXXX don't want to talk to me, in very rude manner she trensferd me to executive office, where person named XXXX ( as she spell it to me ) after taking all my personal information simply hung up on me.
Product: Checking or savings account

To whom it may concern, I am writing to file a formal complaint against Bank of America for the unwarranted closure of my accounts and the freeze of my funds, which has caused significant personal and financial distress. I am a XXXX XXXX XXXXXXXX XXXX  at XXXXXXXX XXXX XXXX and I have been put in an extremely precarious position due to these actions by the bank. 

On XX/XX/2023, I opened both savings and checking accounts with Bank of America to manage my university stipends and cover daily expenses. On XX/XX/XXXX, I deposited a paper check for my first month 's stipend of {$6600.00} into my BoA account via an ATM. 

To my dismay, on XX/XX/XXXX, I found that my accounts were locked and my funds were frozen without any prior notice or justification. This situation was not resolved until XX/XX/XXXX, after numerous stressful communications with both Bank of America and XXXXXXXX XXXX and a complaint filed on the CFPB website on XX/XX/XXXX ( refer to complaint ID : XXXX ). 

After regaining access to my funds, I utilized my accounts for normal transactions, including daily expenses and a transfer of {$1500.00} to my XXXX account. All transactions were lawful and within the reasonable scope of use for a personal bank account. 

Shockingly, on XX/XX/XXXX, I discovered that my accounts had been closed again, and all my funds were held by Bank of America. Upon inquiring at a local branch, I was informed that the check I deposited on XX/XX/XXXX required another review. As of today, the entire balance, approximately {$2800.00}, remains unjustly frozen. 

The repeated closures and the ongoing freeze of my funds have not only hindered my ability to pay for basic living expenses but have also placed me in a state of continuous uncertainty and undue hardship. The bank has not provided any substantial reasoning or evidence of wrongdoing on my part to justify such severe actions. 

Enclosed are the following attachments for your review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BoA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BoA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX BoA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I hereby demand the following actions from BoA : 1. Reopen my accounts as soon as possible.

2. Release the frozen balance in my checking and savings accounts promptly.

3. Given that this situation arose due to BoA 's errors, and I have not engaged in any fraudulent activity, I insist that this case should not have any negative impact on my credit history.

4. Furthermore, I seek an apology and appropriate compensation for the financial and emotional impact this has caused. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue with the seriousness it warrants and help me reach a fair resolution.
Product: Student loan

For over the past year I have been trying to make larger payments on my student loans to help get them paid off. I noticed that my balances barely ever looked like they were getting any lower. I contacted them through email as their phone line is impossible to get through. I was sent back a generic response for if I needed assistance because of inability to pay. I had to spend over an hour trying to dig through information on their website so find out that they were putting any extra money that I clearly stated on my checks was for principal towards interest. This is sneaky and only in their best interest. I want all of my payments fixed!!!
Product: Credit reporting or other personal consumer reports

I bought a car from XXXX XXXX in XX/XX/XXXX and it was repossessed in XX/XX/XXXX. They sent me a ledger of payments and the contract and both have been altered to state my last payment was in XXXX which is XXXX years later On the contract dated with XXXX XXXX states I made a initial payment XXXX. The ledger states that there was repossession fee in XX/XX/XXXX and my official last payment was made XX/XX/XXXX by XXXX card. All these other payments being reported are formulated by XXXX fraudulently .Inconclusive payments are being recorded but none are being removed from the principal balance which means those payments are falsely being reported to keep my account in a open status.
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 : DEPTEDXXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

In XXXX of XXXX I opened a COINBASE  account purchased XXXX ( {$500.00} on XXXX XXXX, {$200.00} on XXXX XXXX ), XXXX  ( {$150.00} on XXXX XXXX, {$100.00} on XXXX XXXX ) and XXXX ( {$100.00} on XXXX XXXX and {$100.00} on XXXX XXXX ). 

On XXXX XX/XX/XXXX my account was drained by somebody/something. XXXX {$1400.00}, XXXX {$550.00}, and XXXX {$96.00} were removed from my account leaving it with a balance of {$0.00}. 

Since I did not access the account since XXXX of XXXX I did not realize I'd been the victim of a crime until XXXX or XXXX. My attempt to get back into my COINBASE account was arduous and I could not get any help or feedback from CONBASE. I followed up seriously XXXX XX/XX/XXXX ( obtained account access took multiple steps including scanning my passport and a video call ) and did chat with " XXXX. '' COINBASE 's response was : " once the transaction has already been completed there is no way that we can recover funds. If I have the option to manually recover these funds I will do that immediately since I'm a consumer also and I don't want to lose any money but I hope you understand that were just following instructions and policies in Coinbase. '' COINBASE then locked my account ( I saved the transactions ahead of time in case COINBASE tried to block my information ) and advised me to scan my devices with anti-virus software, update my device operating systems, and check my email for any unfamiliar rules, filters, or forwarding addresses. Being that the last transaction on my account was the theft on XXXX XX/XX/XXXX this is not a good faith path forward but seems like an attempt to dissuade further action on my part. 

What recourse do I have? Understand the funds are not FDIC insured but COINBASE should not be able to have my funds removed with no recourse.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to enter my XXXX account and on their website page it stated there had been suspicious or fraudulent activity on my account and I was to call their security department immediately at phone number # # # # # # # # # #. When I did they said they had to run a security scan and downloaded a program where they took over my computer. After they ran the so called scan they said they wanted to check and run the scan on my other bank accounts. They sounded so very professional that I allowed them to run the scan on my Wells Fargo accounts. They now had total control of my computer as I sat back and watched the cursor move around by them without me ever touching my mouse! They stole ALL of my money from both accounts at Wells Fargo which was fraud of course but Wells Fargo WILL NOT reimburse the stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the FCRA. I sent Experian ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Experian said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian did not comply with my request for method of verification. On XX/XX/22 I sent Experian another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Experian received that letter on XX/XX/22. As of XX/XX/22 those items remain.