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

I have made multiple attempts to obtain my credit report from TransUnion through both their website and XXXX. Despite these efforts, TransUnion has not been able to generate or provide my credit report. 
I am afraid that information is false on the credit report and I am unable to verify the authenticity of the items.
Product: Credit reporting

browser crashed when I first entered my info and was trying to view Experian report. I came back in and got my other XXXX reports, but experian would n't let me in and directed me to a form to submit proof of ID, I did that but my first ID copy photo was XXXX, which said it was n't allowed. Then I did a TIF as it instructed but then that was rejected because it was n't black and white. Then I submitted black and white and it said I exceeded my number of tries and must submit by mail. That 's a bunch of XXXX, considering none of those image requirements or number of attempts was NOT posted.
Product: Credit reporting or other personal consumer reports

Complaint Title : Failure to Address Credit Report Disputes as Mandated by FCRA Description : I have repeatedly contacted Experian to dispute inaccuracies on my credit report, but they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of information.

15 USC 1681s-2 : Allowing furnishers to report inaccurate or unverifiable information.

15 USC 1681i ( 5 ) : Failing to properly investigate and correct disputed information.

15 USC 1681c ( c ) : Continuing to report obsolete information. 
Accounts in question : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Experian has either failed to respond appropriately or reinserted incorrect data after disputes. This failure directly impacts my ability to access credit, housing, and employment. 

I also reference the recent lawsuit filed by the CFPB : CFPB Sues Experian for Sham Investigations of Credit Report Errors. The CFPB lawsuit underscores a systemic failure by Experian to properly investigate disputes, aligning with my personal experience. 

I request the CFPBs intervention to ensure Experian complies with the FCRA, removes inaccurate information, and provides transparency in their dispute process.

Desired Resolution : Immediate deletion of disputed accounts.

Assurance of compliance with FCRA requirements.

Written confirmation of corrective actions taken.

Supporting Documents : I have attached copies of my dispute letters, certified mail receipts, and Experians responses.
Product: Credit reporting or other personal consumer reports

I contacted XXXX via certified mail to dispute the inaccurate information that the company is reporting on my consumer report. The account is a charge off. I was not provided with a XXXX form from the IRS. According to the IRS, the canceled debt is considered income. XXXX should not be reporting on my consumer report. The company is in violation of 15 USC 1681s-2 ( a ) ( XXXX ) ( a ). I requested documentation bearing my signature as proof that the company has the legal right to collect from me. I was not provided with the documentation that I requested. Instead, I was advised to contact the credit bureaus.
Product: Money transfer, virtual currency, or money service

1 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on one of my accounts. I notice that this particular account XXXX XXXX XXXX XXXX XXXX XXXX Ive never been late on this account and it shows as an open account when this particular was closed on XX/XX/XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.
Product: Consumer Loan

Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off XXXX sold to XXXX XXXX. 

Date of last payment XXXX Have asked for deletion since it over the 7 year mark : XXXX will not. XXXX will not.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial XXXX. The actions of XXXX have caused undue XXXX to my financial reputation and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # s remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been 11+ years and most of those accounts have not been touched for 15 plus years. Please ask XXXX, TransUnion XXXX  XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please in Jesus ' name remove it please. Let me buy my house and, move on with my life. My children need a home.
Product: Checking or savings account

I sent a wire transfer of USDXXXX on XX/XX/2021 from my account under XXXX XXXX to my Chase Saving account, I didn't receive the fund after the wire and I realized that I put the account No. without the last 6, generally it should bounce back to my original account because the name and the account didn't match. I called several times but couldn't go through so I scheduled a meeting with a banker in my home branch on XX/XX/2021, the staff helped me to call the service and I was told the fund went to the wrong account, I doubted that why they credit the fund to an account name and account didn't match, the banker helped me the submit a ticket saying someone will contact me, but no one contacted me, they also mentioned I should get the original bank to amend the information and send to Chase, while I am waiting for the callback I contacted the original bank to send the amend, they sent on XX/XX/2021 and I went to the bank to meet them, then they told another story, they informed me the only way to do the investigation of a wire transfer is to send security message through the Chase App, the banker helped the create one message, but the response always came back as a generic message to show general, no one looked into the specific case and let me know what's the next step Chase was going to take. I went to Chase on XX/XX/2021 to complaint to the branch manager, he asked the banker to submit an executive investigation letter of this issue, it was supposed to get a reply in 2 business days, someone got back to me on XX/XX/2021 showing he knew what happened and could be the case specialist, and on XX/XX/2021 he called me again saying no one was responding on the case and he had to close the case but will still follow up. I didn't receive any response for now.
Product: Credit card

I opened a credit card with US Bank a few months ago and recently encountered an issue where my account was unexpectedly closed. The card was used for business purposes, and I had been making payments from my business account ( which I own ). At some point, US Bank froze the account due to concerns about the payment method.

During an online chat with a representative, I was informed that payments from the business account would either require ongoing verification or may not be allowed. I explained that I needed to continue paying from that account, and that if no workaround was possible, I would likely need to close the card. However, I did not request or confirm that the account should be closed at that time.

I later discovered that the account had been closed by the bank without any clear notification or final confirmation from me. When I called today to request my account statement and ask about the cash back rewards I had earnedapproximately $ XXXX was told that rewards are not paid out once an account is closed. 

This feels both unfair and potentially unlawful. I did not receive adequate notice or consent to the account closure, and the forfeiture of legitimately earned rewards seems inappropriate given the circumstances. I would appreciate a review of this issue and a resolution that honors the rewards I earned while the account was active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my XXXX XXXX Credit Card. I submitted a dispute for this charge via the XXXX website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next 30-60 business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, XXXX continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, XXXX fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and XXXX admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. XXXX fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account on my credit report with Equifax my first dispute was sent out on XX/XX/2018 which they did not respond to even though I had given them amply time to do so. I sent a no response for my disputes to Equifax on XX/XX/2018 and still today they have failed to respond or properly investigate my disputes. They have outright ignore my request to dispute which is a violation of my right clearly
Product: Credit reporting or other personal consumer reports

I PAID MY PNC LOAN ACCOUNT ON XX/XX/2024 WHICH WAS ON THE XXXX DAY DUE TO XXXX XXXX XXXX XXXX. PNC REPORTED ME AS LATE TO THE CREDIT BUREAU. FCRA STATES THAT LATE PAYMENTS CAN BE REPORTED TO THE CREDIT BUREAU AFTER 30 DAYS, HOWEVER I PAID ON THE XXXX DAY, BEFORE BANK CUTOFF TIME. 

THIS IS ILLEGAL AND UNFAIR REPORTING TO A CREDIT AGENCY. I HAVE PAID MY OTHER LOAN PAYMENTS ON THAT DAY AND NOONE HAS REPORTED ME AS LATE EXCEPT PNC. 
I HAVE NEVER BEEN MORE THAN 30 DAYS LATE PAYING MY LOAN PAYMENT. 

FURTHERMORE WHEN I CALLED I WAS INFORMED THAT MY DUE DATE HAS OR MAY CHANGE WHICH IS NOT FAIR, LEGAL OR JUST TO CHANGE MY DUE DATE FROM MONTH TO MONTH. 
WHEN I WAS CALLED TO PAY MY LOAN, NO ONE SAID ANYTHING ON THE LINE AS IF IT WAS A SPAM CALL.
Product: Credit card or prepaid card

On XX/XX/XXXX my wallet and phone were stolen. 
On XX/XX/XXXX, I reported the theft and the fraudulent charges to the Citibank the same day, immediately after I was notified of the charges. 
On XX/XX/XXXX I filed a police report with a police officer from the State of California Department of XXXX XXXX  XXXX, the department that has legal jurisdiction of the area where the theft occurred. 
I was credited the fraudulent charges by Citibank. However, on XX/XX/XXXX the credits were reversed. I was not notified in writing of the reversal and was not provided an explanation of why the credits were reversed. 
Citibank asked for a copy of my current driver 's license. I provided a copy several times in different formats ( pdf, png, jpg, and jpeg ). Security Operations at Citibank requested only this information and I provided it immediately using the secure link provided by Citibank. This was in early XX/XX/XXXX, XX/XX/XXXX. 
I have collected more evidence to submit my position on why I am not liable and did not authorize the fraudulent charges. I have made repeated attempts to speak to someone in Security Operations investigating the case, and made repeated attempts to speak to a supervisor. Citibank refuse to provide anything in writing, refuses to return my emails or voice messages and refuses to call me back.
Product: Debt collection

I called XXXX agency on XX/XX/scrub>XXXX  a little after XXXX XXXX XXXX. The agent did not state the mini XXXX. I had request to dispute the debt. He stated he would simply send me an itemized statement. I do not want an itemized statement as I had made clear. He said it would still be reported to my credit which I found very threatening as I take my credit very seriously. I am disputing this debt for quality of care. I asked to speak to a supervisor and he refused to get me a supervisor. I do not feel as if I owe this debt and I do not appreciate how this call went and I do have the right to have my dispute investigated which the agent had denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compliant for my husband as he applied for a loan from Carvana on XX/XX/XXXX. Carvana called us on XX/XX/XXXX and stated that we could not get approved for financing because the identity quiz was failed and that we would need to get third party financing. The issues are as follows : 1. Carvana stated that the identity quiz was taken 2x but we were only offered the opportunity to take it once. They said the second time there were not any answers inputed. When we asked the question how did that happen when the system only offered the quiz one time. They stated it was a system error and they opened a ticket and sent me an email but no email was recieved. 
2. Even though we failed the identity quiz there is a hard pull on credit report right after my husband took it. When asked Carvana they stated once again system error sorry there is nothing we can do. 
3. Based on thinking we provided the correct answers we sent over personal documents as well as already took insurance out on the car based on there direction. When questioned once again recieved the response it was a system error, there was nothing they could do. 
4. because of this they will not hold the car until proper financing from a third party is recieved. 

Because the verification quiz as failed they should have not proceeded in pulling the credit report or having us upload additional personal documents. They have a copy of the drivers license and require a notary so that should suffice. While policies are understood the fact that a credit report was ran without proper verification is concerning and should not have happened and the fact they we were advised that the system errored is not an excuse to do a credit pull if the proper authorization was not received. We find that
Product: Credit card or prepaid card

Around 2 years ago XX/XX/2019 I applied for the Care Credit card for dental work needed. I was under the impression that it was interest free for 2 years according to the promotion. I typically get paper bills but never received one and emails from Care Credit were all promotional ads, I set up a monthly payment notice with XXXX  XXXX XXXX and paid the minimum due to loss of employment due to Covid19. I felt as if the 2 year period was up and called Care Credit to check my outstanding balance to find I have been charged over {$1300.00} in interest fees which is XXXX of the cost of the original dental work. I took a loan from another credit source to pay Care Credit in full {$3000.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian, I am submitting this CFPB Complaint for the XXXX time to follow up the addressing of the specific Issue of Obtaining, My weekly Free Annual Credit report. For when I log in to XXXX, I am not able to access my Experian credit report. This issue has been going on for the past XXXX months. I have contacted your company XXXX phone and even tried escuating matters up to your special XXXX department. I have been successful in receiving feedback from this issue on your end. I feel like my consumer rights are being violated on the fact that XXXX cant even obtain my free Credit Report Nor log in to my account. Experience standing to me over the phone that they were rectify the problem and I will be allowed access to my account but this has not happened the whole year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Product: Vehicle loan or lease

BMW Financial Services has refused to accept a payoff on my lease account from a third party car dealership. The lease contract does not specifically prohibit this ( signed XX/XX/XXXX ) and BMW FS implemented this policy in XXXX of XXXX, in order to force the lease holder to turn their vehicle in to BMW, so that BMW may benefit and profit from equity in the vehicle due to the tight auto market. This is a deceptive practice as this was not expressly discussed at lease signing, did not exist at that time, does not specify in the contract, and harms the lease holder by denying equity they have earned.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXXXXXX XXXX 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 XXXX XXXX PLEASE REMOVE THE INMEDIATY THIS HARD INQUIRIES