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

Experian has failed to fulfill its legal obligation under the fair hearing credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violations federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable and needs to be resolved.
Product: Money transfer, virtual currency, or money service

On Tuesday ( XXXX ) at XXXX XXXX I was looking at a sublease listing online for XXXX XXXX for a month lease from XXXX to XXXX and they asked me to Zelle them money to secure the sublease ( XXXX XXXX the following day- XXXX ), resulting in me being scammed a large sum of money ( {$3200.00} ). The people were frauds but the apartment itself existed. There was an actual tenant still living there and the actual broker of the apartment was someone who was completely different from the person I have been messaging. I tried to file a police report on this but that didn't work either due to the fact that I first contacted these scammers in California and it wasn't under NY jurisdiction. I contacted XXXX and they mentioned that Zelle transactions were technically approved by me. I am shocked and distressed and I need my money back. I am hoping that CFPB can help me rest my case. There must be something you can do to help me get my sum back. 


I am not sure why I am not able to attach documents but I have all the receipts including the person who I first contacted about the listing, the listing itself, the supposed " landlord '' who asked me to Zelle them, and the Zelle receipt showing that the transaction has been made.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name SYNCB/ROOMS TO GO Status Paid, Closed.   Date open ed  XX/2014  Deta ils Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Product: Checking or savings account

I have been a Chase checking account owner for over 15 years. I recently tried opening a Savings account online ; I went through the process of logging into my checking account and transferring funds from my checking account into the new savings accounts. Once the process was done, I was asked to create a PIN for an ATM card. After this, I was informed that the Savings account was successfully created and the card would be mailed to me within 7 - 10 business days, while the Savings account was supposedly opened immediately.

I went to my accounts on the Chase.com website and I saw my Chase credit card, Chase Checking account information but not the Savings account. 

After two weeks of waiting, I called Chase customer service on XX/XX/XXXX and the lady I spoke with confirmed that my account had no savings information on there. She advised me to go through the process again. 

On the same day, XX/XX/XXXX, I went through the same process described as above. After which, I looked at my online Chase accounts and still, no Savings account. I immediately called Customer Service and they once again confirmed that there was no incidence of a Savings account creation.

My concern is that the system might be slow and since I have transferred money twice to the phantom Savings account ( s ), in the future, these accounts may be created, thereby prompting the funds draw from my account twice and then I will be hit with overdraft fees.
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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 ( i ) 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, credit repair services, or other personal consumer reports

I went to a car dealership and applied for a car they said that they were only going to submit my information to XXXX XXXX but they actually submitted my information to 10 different companies without my knownledge or consent. I have listed the following companies, XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 TransUnion XXXX XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$570.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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: Money transfer, virtual currency, or money service

Skrill virtual has cookies that need XXXX  for XXXX  XXXX! XXXX  XXXX  hacked my accounts : ( your accounts are out there when XXXX uses your data for pre filling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted different disputes about this information and they keep rejecting.
Product: Credit card

I applied for a Wayfair credit card some time in XX/XX/year> but never received a physical credit card in the mail. I called Wayfair customer Service to cancel my account to which they told me to call Citi Bank instead. I called Citi Bank but they were unable to help cancel my account as well. Wayfair told me that they need me to verify my account but can only do it by sending me a verification document via mail/phone call. However, I never received any mail or phone call from them. I call customer service back and they tell me the same thing, " to wait for a verification from mail/phone call ''. I have called back 4 times and they have me on a loop. I tried to ask them which address they are mailing the verification to and the phone number but they are telling me they can not disclose this information to me. I can not verify since I never receive anything, and they can not cancel my account until I am able to verify my account. Customer service does not offer any more help than " wait for a verification '' that never comes. I no longer want Wayfair/Citi Bank credit card under my credit but have no way of cancelling the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian I have been turned down for a credit due to misreporting information, and I have still found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. CORRECT the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Experian and XXXX did not investigate with genesis properly. They stated that the debt was verified which it was not. I have went to the better Business Bureau and they infact did contact mission rock where they stated that the only thing that was owed was paint and not the making that they are stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wrongfully XXXX  with a collection for {$500.00} from my previous apartment complex that they have admitted to XXXX XXXX  on time and time again. They have given me sufficient information that I have passed on to Experian that admits they made a XXXX XXXX  and that this collection should have never ended up on my report. They have also reached out to the collection agency and explained to them what happened and have assured me that all the necessary steps have been taken.. However, every time I get new info I submit a dispute on Experian and every time they side with the collection agency. They know what they are doing is wrong and they do it anyway, Experian needs to take a closer and better look at the facts and fix this fraud collection. I've disputed this 5 times a this point and every time they just notify me that it " will remain on my report ''. I have given them everything they need to justify it shouldn't have been added to my report in the first place. Not to mention, if you can read my previous complaint, I was never notified of the collection by the collection agency nor was it ever validated.
Product: Mortgage

I have called Shellpoint/Newrez mortgage no less than 5 times. The title company i am working with also called at least that many times. I am the personal representative of an estate. The decedent has a mortgage liened on her home serviced by Shellpoint/Newrez . All I know is the mortgage is still recorded and not satisfied. 
I have sent written requests to Shellpoint/Newrez via email, mail and certified mail on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. I HAVE RECEIVED NO RESPONSE TO MY INQUIRES. 

Everytime I call, they tell me something different. A Shellpoint/Newrez representative verbally verified that the loan has been written off ; however, no satisfaction of mortgage has been filed. A different Shellpoint/Newrez representative said there was {$200.00} outstanding. I sent a {$300.00} payment to satisfy the outstanding balance and my payment was received and cashed, but they still have not sent the satisfaction of mortgage or a letter to me indicating the status. 

This company is horrible and noone knows what is going on or can provide ANY information about the loan. Everytime I hang up they promise follow up and they have not followed up ONCE. Terrible experience.
Product: Mortgage

For the last couple of months i have been sending in an additional principal payment of {$10000.00} extra, and have clearly noted it by writing on the check Principal payment only, also wrote principal payment only on the statement slip and also wrote principal payment only on a separate note attached to the check. Both times the money is not allocated properly, first time it went to the escrow account, which I did not ask for. Next time they broke the payment up into 2 different transactions {$8400.00} on XXXX and {$1500.00} on XXXX and applied the money 10 days apart from each other even though I had sent 1 check for {$10000.00}, this causing me more interest on both times. I called the first time and ask what happen and they told me they don't know, I tried calling the second time and the answering machine stated they were too busy to answer the phones.
Product: Credit reporting

I lived outside the United States for XXXX years until XXXX 2014, for this reason I had no existing credit rating, even though I was born here and had a social security card. I now find that while I have a XXXX passport, drivers licence and registered to vote and for health insurance ... ..I can not get a mobile phone contract because Experian is giving the impression that someone else is using my social security number. I have uploaded documents to their site, mailed them documents. After waiting for two months and no response from Experian whatsoever, I was only able to finally contact them via XXXX and was then directed to a call center in Texas that took more than XXXX minutes of hold time to actually speak to a representative. He told me I would have to go to the Social Security Adminstration for 'verification ' of my number. I called them and they say the do not issue XXXX. I am between a rock and a hard place. I have no delinquencies. I have XXXX active credit cards but it seems they do not report to Experian. There seems to be no solution on offer ... .and I appear to have a false black mark on my record.
Product: Debt collection

This company ( Bureau of Med Econcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Debt collection

On XXXX XXXX, 2017 I called PORTFOLIO RECOVERY in regards to settling the account # XXXX. My offer of {$300.00} was rejected. I was given instalment payment options instead. When I ask for statement, receipt, and/or paper recollection of such agreement, the representative refused and stated that the companys policy was that no paper agreement and/or receipt would not be issues to the debt was paid off. I found this strange that an agreement could be reached over the phone without a paper trail. Also, I asked them for proof that this agency acquired the debt form the original owner and was told no proof was necessary. This is strange practice that needed to report to CFPB. Please look into this matter as to why this firm has such strange practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank XXXX is reporting late notations for XX/XX/20, XX/XX/20. Due to the unforseen events surrounding the pandemic my finances were really suffering. I could barely pay my necessities and fell behind on things I needed to pay. I paid immediatley as soon as I could but unfortunately ended up being late. I have been current since then and ask that Comenity Bank please make a one time goodwill adjustment on the account.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a line of credit for {$1100.00} on XX/XX/XXXX, and was approved for this amount. On XX/XX/XXXX I called for an update on the funds, and they did not know what happened to the {$1100.00}. They said I should have received it already, but we got on a 3 way call with my bank and verified that I did not receive these funds. We verified the accounting and routing numbers with my bank and a representative from moneykey multiple times.. they did not see any incoming deposits for {$1100.00} into my checking account. I was told to wait 1-2 more days and if I still havent received the money, they would cancel this line of credit and not charge me. At this time I was going through a hardship in my life, and this is why I called on XX/XX/XXXX. I realized they were trying o charge me monthly, and explained to them that I never received these funds, we got on another call with my bank and verified account/routing numbers as well as the fact that I did not receive these funds nor had any pending amounts of {$1100.00}. Once they verified this, they sent a request to revoke preauthorized payments.. they called asking me to send a form showing my bank account/routing number even after having verified this twice with my bank. I sent my direct deposit form, and they stated the account/routing numbers were correct, and that it must be an issue with my bank that I have to call them. We have spoken with my bank multiple times, and they still do not want to close this line of credit.