23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiffs, XXXX XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, Transunion, LLC and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. WHERFORE, plaintiff requests that the Consumer Financial Protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit.
Product: Checking or savings account

Navy federal is going against my mothers wishes for me to be her will executor and she has put in her will for me to be left everything. XXXX has told me that it's supposed to go to my living XXXX brothers. It's a total outrage that they are ignoring my mother 's will that I was to be left everything. It's my money regardless that I transferred from my checking account to hers. I transferred {$1500.00} on XX/XX/2021 for an XXXX purchase and cancelled it. But they refunded {$1000.00} back to my mother 's account when they shouldn't. XXXX isn't respecting my mothers will that she left me in charge of everything. But she is ignoring that and still say that my two living brothers are entitled to that money even though it is my money. XXXX isn't being fair to me regarding that I am the will executor. If the will states for me to handle everything XXXX can't take that right from me.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an errorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card or prepaid card

Purchased an item from a company for my car. Once I got the item, I attempted to install said part and found out that the part was the wrong size. The company advertises this part to fit my car and I emailed them before hand to confirm. So either the part was mis-advertised or defected. After going back and forth with the company I bought the part from, for close to a month, trying all their trouble shooting steps ; they told me to return the part. 

I returned the part and they refused to refund the original charge and never returned the part to me. Therefore I no longer have the part, I attempted to fix the issue with the merchant and they still have my money, I disputed the charge with Keybank and they never issued provisional credit within 10 business days and it took close to 2 months for the dispute to be finalized. They never requested additional information from me, which I had plenty of evidence to submit. I finally got a letter saying it was denied and to contact merchant. 

Upon contacting the dispute department with Keybank, the first rep repeated why the dispute was denied in the letter and then when I asked why they didn't take my evidence into consideration, she didn't really give an answer. She then told me to go to small claims court and hung up. 

Covered under Reg Z is consumer protection regarding credit card disputes. Including disputes filed because of damaged and or items not as described. I believe Keybank is in violation of Reg Z.
Product: Credit reporting or other personal consumer reports

I have contacted Experian, XXXX XXXX, and Equifax on many occasion regarding repeat inaccurate information appearing on my credit report. I have also explained no knowledge of such accounts, they remove them then they appear again. Now they are reporting information that does not belong to me and appears to be of a medical nature from some sort of laboratory. This is blatant exaple of their continued disregard for the law. I am seeking full investigation and possible legal representation into this illegal action. I have contacted all three credit bureaus and all three continue to report this false information. I am at my wits end, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

As recently as XX/XX/XXXX my XXXX score was XXXX and had been hovering between XXXX and XXXX for quite some time. Then as of XX/XX/XXXX it dropped to XXXX and as XX/XX/XXXX it was XXXX. 
I was not notified of any problem, prior to the drop. 
My inquiry with the three credit score companies disclosed that TransUnion was the culprit. And that XXXX XXXX had hired XXXX XXXX XXXX to collect a claimed debt of $ XXXX.That was the first I knew of it. 
I've had an auto insurance policy with XXXX, since XX/XX/XXXX, when I moved to XXXX  from XXXX I paid them each and every premium that was due them. XX/XX/XXXX was the expiration date of the last auto policy I had with them. I, also, had a Condo policy with XXXX which I kept until XX/XX/XXXX. Effective as of XX/XX/XXXX I had a new auto policy with XXXX XXXX XXXXXXXX XXXX XXXXXXXX.. 
Furthermore, XXXX reported me to the STATE OF Of XXXX XXXX, MOTOR VEHICLE COMMISSION for lack of liability insurance on my auto. I had till XX/XX/XXXX to prove to them that I was indeed insured. In a letter dated XX/XX/XXXX, they wrote that my XXXX XXXX registration privilege will not be suspended because you have provided proof of current automobile liability insurance ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian indicates that they no longer have a record for my wife or myself and they are indicating that we need to open a new account to be able to THAW our credit. I believe that it is their technical error, but they refuse to do anything about it. It doesn't make sense that this occurs with both of our accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX for Investigation of Disputed Credit Information** **Re : Account Number XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of certain information reported on my credit report. I believe this information is incorrect and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation of this matter. 

XXXX XXXX XXXX Disputed Information The specific information I am disputing is as follows : - **Account Name XXXX XXXX XXXX/DEPT OF FED - XXXX XXXX : ** XXXX I have reviewed my credit report, and I strongly believe that this account is either inaccurately reported or does not belong to me. This discrepancy has caused significant concern, particularly as it has adversely affected my XXXX XXXX and my ability to secure loans and credit. Given the importance of maintaining an accurate credit report, I urge you to investigate this matter with the utmost urgency. 

XXXX XXXX XXXX Impact of the Discrepancy The inaccurate reporting of this account has had tangible consequences for me. I recently applied for a mortgage, and the lender informed me that my XXXX XXXX was lower than anticipated due to this entry. As a result, I was offered a less favorable interest rate, which could cost me thousands of dollars over the life of the loan. Furthermore, I have experienced difficulties in securing other forms of credit, which has limited my financial options. I hope that by resolving this matter, I can restore my creditworthiness and ensure that my financial history is accurately represented. 

XXXX XXXX XXXX Request for XXXX XXXX accordance with the FCRA, I kindly request that you provide me with the following : XXXX. Copies of any and all credit reports that include this account. 
XXXX. A detailed description of the processes you utilized to verify the accuracy of this account, including the names and contact information of any data furnishers contacted during your investigation. 
XXXX. A complete copy of my credit file maintained by your bureau, including any relevant documentation related to the disputed account. 

To facilitate this process, my date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security number are XXXX. I appreciate your prompt attention to verifying my identity, which I hope will expedite the investigation process. 

XXXX XXXX XXXX  Conclusion I understand that these matters can take time ; however, I respectfully request that you prioritize this investigation due to the significant impact this inaccurate reporting has had on my financial situation. Thank you for your attention to this important issue. I look forward to your prompt response and a resolution to my dispute. 

Sincerely, XXXXXXXX XXXX
Product: Credit card or prepaid card

This complaint is against Capital One bank holding company at XXXX Capital One  XXXX XXXX XXXX XXXX XXXX. 

Regarding a personal credit card. 
I used my credit card multiple times over a period of XXXX  months at a personal friend 's bar/restaurant. I spent a lot of money there, which subsequently was flagged as potential fraud because of the amounts. I called Capital One to let them know that I did make the charges, they were legitimate, and I should be charged the amount in question. I was told that there was nothing Capital One could do as the issues were now sent to a disputing company called XXXX XXXX XXXX in XXXX, XXXX. Phone number XXXX. Capital One told me that the restaurant would need to provide proof of charges and go from there. I was refunded XXXX to my Capital One card and have arranged payments to my friend. 

But here is where it starts to get XXXX, and I am now having issues. The restaurant owner/my friend says he is up to XXXX letters of dispute for a total of {$1100.00}. And we aren't sure if he is going to get more letters. That is a {$400.00} difference that I now seemingly owe two companies, as I was not refunded it by Capital One. When I call Capital One to ask what is going on, I am told to call the dispute company. When I call the dispute company, I am told they can not speak to me as I do not own the business this happened with. I have no issue paying back my friend/the restaurant, but I can not do so without proof that he was not paid for these transactions, as I've said I only received a refund for XXXX  amount XXXX what he has received stating more. I need a resolution to this. I feel at this point I am being robbed by Capital One. And they have been rude and blunt on the phone in telling me they can not give me information. 

I would also like to state that a rep at Capital One told the owner of the business that I must have disputed charges against him. I did not and they could not provide proof that I did. I don't understand how it is legal for a company to lie to a business, but it is unacceptable. Capital One should have a policy in place that if they think something has the potential to be fraud, they reach out to the customer and allow them a time period to agree that it is fraud or disagree that it is not fraud. This should never have happened. I am at the point where I am worried that I may need a lawyer. I would like to know what happened to the money that I am being charged for, if it was not given to the business. Why am I still responsible if it was never paid?
Product: Credit reporting or other personal consumer reports

This company continues to furnish fraudulent information to my report. Company was notified via priority mail, to stop furnishing this account to my report. Company was also sent a copy of the FTC report listing this account as fraudulent. This is a direct violation of USC 1681. The debt collector & CRA also engaged in abusive deceptive and unfair practices.This is also a direct violation of FDCPA. According to the FDCPA i am entitled to {$1000.00} per violation and they clearly violated my rights. 

Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I allowed XXXX XXXX to fix any mistakes on my credit report for me. They sent dispute letters to Experian on XX/XX/XXXX and XX/XX/XXXX to remove old addresses. Experian responded on XX/XX/XXXX, saying they didn't think the request was from me. I think Experian should have looked at all the paperwork I sent with the disputes. I gave XXXX XXXX permission on XX/XX/XXXX, and all the necessary documents were sent with the disputes on XX/XX/XXXX and XX/XX/XXXX. I want my disputes to be handled correctly and for any wrong information to be removed as stated in the disputes sent on those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Due to extensive customer service issues I decided to cancel my American Express credit card. I called the customer service line on XX/XX/2021 and received assurances that the card would be cancelled. As of XX/XX/2021, not only has the account not been cancelled, but a new account has been opened, and the card associated with the account has been sent to an invalid address.
Product: Credit reporting or other personal consumer reports

I am reporting the following unauthorized inquiries showing on my credit report with Equifax, I have never given my consent to them for the inquiries to be showing on my credit report. Please remove the following inquiries as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX action XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station XXXX ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me XXXX ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection in the amount of {$630.00} reported by XXXX XXXX XXXX is posting to my Transunion report. XXXX XXXX XXXX has stated in response via Cfpb to me that they have ceased collection activities. Transunion continues to report the account after they initially removed the account once without notifying me within 5 days.
Product: Credit reporting or other personal consumer reports

i have sent them a letter to remove inquiries that don't belong to me and I've also sent the letter to XXXX and XXXXXXXX XXXXXXXX Equifax was the only credit reporting agency that didn't remove them from my report when XXXX and XXXX did with that being so Equifax has to be in confluence with the other bureaus in removing these last 3 inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX