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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed :, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Vehicle loan or lease

1. Identity theft by sharing private information with third parties.

2. Misappropriation of collateral by creating and selling the contract without administering valuable consideration to the endorsement of contract.

3. Company has not paid transfer tax.

4. Due to lack of valuable consideration, dividend was never distributed to the beneficial owner of original contract signor.
Product: Credit reporting

XXXX first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Equifax says XX/XX/XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? XXXX with the first missed payment and XXXX for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.
Product: Checking or savings account

Wells Fargo has once again stolen my money and evaded their own policies! I had a transaction for allstate go through and got the alert to make a deposit to cover the overdraft before XXXX eastern time. I went across town to the atm. Made a deposit and then the next day I was charged a overdraft. I called and they refused to waive it claiming that a charge came through that morning which triggered the fee. But the money was in before XXXX  This has happened several times and wells Fargo says they now limit their fee waivers to once in a 12 month period. They were sued for overdraft fees in a class action lawsuit. When is Wells Fargo going to step up and be a reputable, trustworthy company? Things are bad enough as it is, then you go and take my money and break your own policy to do it. You've lost my business, I'm switching to XXXX  I do hope this helps someone else realize that you all are just out here taking advantage of your loyal clients. I've banked with you all since 2016. Customer retention seems to be a thing of the past, and this is true across multiple industries. That's fine, people are waking up and these dishonest, unethical corporations will continue to contribute to their own downfall.
Product: Debt collection

I paid my {$310.00} XXXX  debt in full to the company that owned it at the time, XXXX XXXX XXXX XXXX XXXX. On XX/XX/23, they cashed my check. 

On XX/XX/23 and again on XX/XX/23 I was contacted in writing by Credit Collection Services, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. 

My guess is that XXXX XXXX XXXX XXXX XXXX both cashed my check paying the debt and also sold the debt to another company.
Product: Debt collection

I received a scam collection notice from MRS BPO, L.L.C. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of XXXX XXXX. I have never used any XXXX credit products and do not owe any money.
Product: Credit reporting or other personal consumer reports

On or around XXXX of XXXX someone made a contract with XXXX using my identity to get service. When i went to purchase a car in XX/XX/XXXX I had discovered the fraudulent act.
Product: Credit reporting or other personal consumer reports

I was working with Lexington law over a year no result Ill be paying every month. No result. I want to know if there is anything for me to do to get recompensation
Product: Credit reporting, credit repair services, or other personal consumer reports

after obtaining a copy of my current credit report i noticed a XXXX mobile phone account on my credit in collections and i did not open that account or authorize it
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my credit report. They refuse to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained.

Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report. 
Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses. 

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.
Product: Mortgage

I would like to report Carrington Mortgage for multiple reasons. The first for harassing me with numerous phone calls each month about my mortgage payment. I typically start getting phone calls around the XXXX of each month when my payment is not late until the XXXX of each month. I am an XXXX wife who currently does not live in my home since my husband services his country. I rent my home and must wait for rent proceeds to make the payment. I have always paid my bills in a timely manner. This is depicted in my credit score of XXXX. I also get verbally abused by customer service when I ask why I 'm receiving phone calls. They said your payment is due on the XXXX and we call until you pay the bill even though it 's not considered late until the XXXX of each month. The next issue is I 'm trying to set-up my account to make online payments since they are charging me {$5.00} each time I make a payment via phone. They would not allow my husband to use his bank account even though his name is on the loan. I had to transfer the rent proceeds to my account and now I ca n't gain access to make a payment online for some reason. They are taking advantage of customers by not easily allowing them to gain access to their online payment system, so they are forced to make payments where they enjoy a {$5.00} speed pay fee each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my second letter to Experian, XXXX, and XXXX giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.
Product: Checking or savings account

XX/XX/XXXX - Joint owner of account went to bank to withdraw funds and was advised that there was a collateral hold on the account from XX/XX/XXXX. The branch was unable to locate an account in question. 

Same day I attempted to contact the bank. I was transferred to over XXXX different agents and was initially advised the hold was related to a paid in full auto account. Then advised that was a mistake. The joint account holder was then advised that it was a personal loan that was also paid off. The hold has not been listed. I was then hung up on by several agents when attempting to identify the loan. 

XX/XX/XXXX - I again contacted the bank in an attempt to identify the source of the hold. No one is able to identify a loan, only a notation of a loan placed on the account. 
Statement attached evidencing no hold on account. Account printout related to hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX Card # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting TransUnion to provide the documentation used to determine inquiry was indeed authorized by the consumer TransUnion has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a XXXX report. If TransUnion, XXXX and XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules.

" See Attachment '' for All Accounts and inquiries 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent TransUnion whether it be non-verbal, verbal, written, implied or otherwise revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. TransUnion are consumer reporting agencies and I am the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some unfactual information on my report and needs to be removed from my credit file immediately. My information was stolen after someone broke into my house and I have been seeing many requests to open accounts in my name that I have not requested. I have no knowledge of this and I am requesting that this be removed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a call from a debt collector called XXXX XXXX saying I owed a debt for a loan. They said I had an online payday loan with Castle Payday ( now called BigPictureLoans ). 

I do not recall opening this loan and the account it was connected to is an old bank account that was closed. I also looked up XXXX XXXX and did not find information on a debt collector under their name. I called back and asked if they had a website and they said it was XXXX which is a simple site with very little information on the company and just their phone number. When I looked up the address listed on their website, it said it was the address of the United States Postal Services. I am wondering if this company is legit and if they are authorized to collect debt. They do not even have an official address. I would like to see their license number. 

They said I had to make a payment or I would be sued. They said they tried to collect money from my previous job. They did say they would send me verification of the Castle loan account by email, but I never received an email with verification from them. 

XXXX XXXX could not verify the date the account was opened which makes me think they do not have proper information about this account. They had my old email address on file which I no longer have access to. When I entered my email on the loan website, it said nothing existed. 

When I called Big Picture Loans, they said I applied for a loan in the amount of {$1500.00} on XX/XX/18, but there was no current loan.
Product: Checking or savings account

I initially reported fraudulent activities on my XXXX debit card to XXXX XXXX XXXXXXXX XXXX due to i never received the debit card on XX/XX/year>. My claim was denied due to issues with digital validation, so I submitted an appeal request on XX/XX/year>. XXXX XXXX XXXXXXXX XXXX informed me that they would need XXXX calendar days to handle the appeal. Despite my multiple requests for updates, the escalation team has consistently told me that there is no update and that the processing of my appeal is being delayed, even though it has now been over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that XXXX, EQUIFAX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from XXXX, EQUIFAX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give XXXX XXXX EQUIFAX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This looks deceptive and suspecious being a victim of identity theft my gaurds are up. The accounts have inaccuries as well. XXXX XXXX  # account XXXX XXXX XXXX XXXX account # XXXX both have inaccuries the date last activity are two different dates as well as last reported date, how can these account report different dates with two different activies but all happened the same time. Below i have uploaded documents proving my statement with my report reporting different dates
Product: Checking or savings account

My account was charged without my authorization. I lost my debit card and the account was hacked. Two transactions were disputed that were paid to tenant rent payment merchant that ive never used. I was living in a house in an entire different state at the time. I provided Chime with the information showing my own bills being paid at a different address in a different state than where the charges were. I asked them for all information gathered during the dispute to be sent to me, and they sent it. The merchant did not even reply, nor provide any evidence in the case yet Chime still denied my dispute. The evidence in the merchant section is the evidence I provided to chime myself. Which is my FTC identity theft report showing I never lived at the address XXXX payment was made for along with that years worth of utilities I paid to my actual bills. They did not gather anything from XXXX and still denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting accounts on my credit file that are no longer owed. I ask that they remove these accounts as they have been satisfied. I am aware that Express Recovery can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce removal of this debt, not excluding legal suite against Express Recovery. Please remove the accounts.
Product: Credit reporting or other personal consumer reports

Transunion is showing a false claim on my credit report. They are reporting that I have a current account in collections from XXXX ( the original creditor XXXX ) with account open date of XX/XX/XXXX and amount of {$180.00}. This is hurting my XXXX XXXX. 

I have provided them with evidence that this claim is from XXXX and that I successfully disputed it in the past, when XXXX XXXX XXXX tried to collect on the same claim on XX/XX/XXXX. I have proof showing that the account was closed XX/XX/XXXX. I paid my last bill, but the XXXX XXXX is saying that I didn't. 

Regardless of this, an account closed in XXXX and successfully disputed in the past, should not show up on my credit report as an account opened in XXXX. Transunion denied my dispute and did not give me a reason for why my dispute was denied. This is severly impacting me and my family as it has hurt my credit score, and now it's hard for me to get approved for a new apartment.
Product: Credit reporting or other personal consumer reports

Experian credit report lists several inaccurate items. I reached out via telephone and agent refused to assist.