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

Experian has failed to fulfill its legal obligation under the fair 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 dispute outcomes. These failures align with experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my consumer report. I noticed numerous inaccurate information reporting. Im understanding that the Credit Reporting Agency will investigate and assure that all information will that is being reported is accurate. The payment summary is reporting 120 days late in XX/XX/2021 and 90 days in XX/XX/2021. I find that information to be incorrect. Account is XXXX XXXX account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Upon contacting TransUnion, I asked for them to remove unknown inquiries that were fruadly added to my credit profile. But, they denied to remove the inquiries. I have contacted each of the companies that the inquiries were from, but these were all fabricated companies with names of real institutions. Each inquiry is dated XX/XX/2023, I will list them below. 

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

I was a tenant of XXXX XXXX ( a community owned by XXXX  XXXX XXXX XXXX XXXX ). I moved out of this unit XXXX of XXXX. Prior to my move out, I completed a walk-through with a staff member of the management office. At the completion of the walk through, the staff member was pleased with the condition of the unit. There was no damage beyond normal wear and tear. 
Fast forward to XXXX, I noticed a collection amount for {$4400.00}. I have contacted XXXX by phone and in person many times and was ultimately told that the XXXX who billed me was no longer with the company and therefore they could not easily access my file with the proof of this allegation. They did not return my calls, nor did they provide any addition help with this matter. I have called the XXXX XXXX  XXXX corporate office and I got no answer or no response. There has been no actions or responses taken by the company. I have reached out many times. 
I do not know what to do at this point. I did not damage the property. It is incredibly unfair to charge someone {$4400.00} for unproven damages in an apartment with such poor quality materials and service. I have had a countless amount of issues during my time living at XXXX XXXX. 
This collection on my credit has completely blocked me from seeking housing for me and my children and no matter how much I pay my bills on time, this continues to be a hindrance. And what is most unfair is that this company did not even care to validate this before placing it onto a persons credit.
Product: Credit reporting or other personal consumer reports

I am filling this complaint to XXXX for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Money transfer, virtual currency, or money service

Cash app lies to customers relentlessly, doesnt answer the phone and when they do lie to you again, offer no actual assistance and make no effort to actually resolve problems that are in a very real way messing with peoples lives? And furthermore they close your account out of spite when you complain about it.
Product: Credit reporting

I WENT TO ORDER MY CREDIT REPORT ON LINE AND IT DENIED ME.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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 15 USC 1681.

Account name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXXXX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Student loan

dept of ed nelnet XX/XX/XXXX XXXX for the amount of {$4200.00} they put this into collection when it was already paid for. it reflecting on my credit and its making it hard for me to get any loans or help. how could i remove this collection off of my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code XXXX XXXX My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX XXXX XXXX  the day I left the car lot A lot of inaccuracies
Product: Checking or savings account

I am writing to formally express my extreme dissatisfaction with the service I have received regarding the closure of my Citibank accounts. My experience with your institution has been nothing short of frustrating, inefficient, and unnecessarily burdensome. 

I originally opened a CD and a checking account with Citibank over two years ago, primarily for the CD. When my CD matured after the first year, I attempted to close my account, only to be informed that I had missed the closure window. I was given two unacceptable choices : either forfeit all the interest I had accumulated or keep my funds with Citibank for another full year. Reluctantly, I chose to keep the account open for another year. 

After the second year of maturity, I withdrew my funds and sought to close the account. Unlike most financial institutions, Citibank offers no online option for account closure, so I had to call customer service. This is where the ordeal truly began. Despite not using Citibanks services for anything beyond the CD, I was required to provide a security password that I had never set up or received. I offered multiple other standard forms of identity verificationincluding my Social Security number, mailing address, phone number, email, and date of birthyet my request was continuously denied. 

I spent hours on multiple phone calls, spoke to various representatives and managers ( many of whom were dismissive and unprofessional ), and still, my account remained open. Eventually, I was told that I had to submit a written letter to close a basic checking account with a XXXX balancean absolutely unreasonable demand in todays digital age. Nevertheless, I complied. 

Despite following these absurd steps, I was shocked to receive an email on XX/XX/XXXX stating that my account had been suspended and that I owed a {$10.00} fee. The amount is insignificant, but the principle of this situation is unacceptable. For a bank that does not even have a physical presence in my area ( XXXX, NV ), your policies and practices are beyond comprehension.
Product: Credit card or prepaid card

Late XX/XX/2022 I received an email indicating my credit score decreased from the 800s to XXXX. I reviewed my credit report and noticed an account opened XX/XX/2022 with Bank of America. I did not authorize such account. According to BofA an XXXX XXXX credit card was passed on to someone who used my information. Also, according to BofA an address from New Jersey is attached to this card. I have never lived in NJ. 
Since I read your results of your investigation I am unpleased and continue to be frustrated. I will continue to contact BofA ( XXXX ) XXXX to get an update on their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX Re : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. 



Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports. 
These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of XXXX and Equifax Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
Product: Debt collection

in XXXX I was caught up in the XXXX identity fraud and did my best to clear up all the problems after XXXX XXXX XXXX agreed that the debt was in fact not mine and I never heard from them again now comes XXXX and I am starting to get collections calls and letters from a company called National Credit Adjusters trying to collect this debt, I have informed them that they have bought a fraudulant debt that I have proven was in fact fraud, they refuse to listen. As per my credit report this is the information I have on the company National Credit Adjusters XXXX. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX ph # XXXX and the account number they list is XXXX
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practice 's are unfair and request an investigation into my account transactions.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Prepaid card

XX/XX/XXXX I went to the Bank of America atm to activate and withdraw money from my prepaid XXXX XXXX  from the XXXX XXXX XXXX here in XXXX Georgia. Ive called and message Bank of America and there solutions are nonexistent. Its there atm that took the card while malfunctioning and yes XXXX could easily replace the card but Bank of America could issue a temporary credit since they know what happened to the prepaid card. I was unable to buy gifts with that money because I never got it. Also Im out of an XXXX XXXX XXXX XXXX XXXX  also. Have employees lying about who Im talking with and assume if a scam when XXXX claims oh we can see the card if its being used. I said if thats true you can see Im not using it so replace it. So XXXX accuses me lying I have a police report and screenshots. I tell all this to Bank of America they suggest on the phone via customer service representative to go in the store and demand my money because they dont deal with prepaid cards or cards not with there bank, They suggest call XXXX XXXX  or go XXXX l to the store again nothing from them even though its there atm they caused the issue .i called the number on the atm they didnt send anyone out they just rebooted the atm which I later learned guaranteed my card wasnt coming back out according to the customer service rep I later talk to.
Product: Money transfer, virtual currency, or money service

Debt Consolidation : Company is Americor. Signed Agreement on XX/XX/XXXX. Told the sales rep that I would probably want to pay off debt early, once I sold my house. He said no problem, to call for payoff amount when ready. 
Paid {$560.00} monthly with a {$10.00} fee taken out each month. 
Contacted Americor on XX/XX/XXXX to find out payoff amount. Was told it would be {$14000.00} and should take a couple of months to get everything paid off. 
Bank wired amount of {$14000.00} on XX/XX/XXXX. 
With the exception of Covid 2 hardship requests, the regular monthly fee continues to be withdrawn from my bank account. 
In XXXX, XXXX and XXXX I have called Americor to find out when final two card debts would be paid off. Was told that they are in negotiations and that it takes time. 
On XX/XX/XXXX, I sent an email to Americor addressing my frustrations and requesting expedited settlements. If necessary, please have a manager contact me. A ticket was established. According to their website, emails would be responded to within 7 days. I have not heard back from anyone as of today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted transunion to remove inaccurate late payments on my credit report several attempts and XXXX XXXX  reporting it as updated with no investigation.
Product: Debt collection

I received correspondence by a debt collector to collect a debt that is not mine.