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

On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed.

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the XXXX data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Checking or savings account

On XX/XX/2023 I went into my local wells Fargo bank and tried cashing a check, the check was in the amount of XXXX $ the bank teller told me I had inefficient funds and would not be able to cash the check I showed her a law that she was required to provide me funds having a account with them and asked to speak to the manager I showed the manager the law which was effective XX/XX/XXXX that under 18 usc .8 they are obligated to do. The bank manager had a different interpretation of the law in which I then left the bank and went to the state police and asked if he could interpret the law, the officer interpretted the law and said that it's a federal matter but that the bank under that code is obligated to provide me with the funds so im taking this matter up with you as we all need to come to the understanding of the law and follow them accordingly., we need to hold financial institutions accountable, https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title18-section8 & num=0 & edition=prelim
Product: Debt collection

I recieve 2-4 every single day for months and can not get them to stop. A message is never left and I have never received letter or any kind of mail from them. I am certain I do not owe any unpaid debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX : {$0.00XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Product: Credit card

I called Wells Fargo on Wednesday, XX/XX/year>. I dialed the phone number on the back of my credit card ( XXXX ) XXXX. I called on or around XXXXXXXX XXXX XXXXXXXX. I was on the phone for an hour and could not get an answer from the customer service agent including the second level support agent. The first agents name was XXXX from the XXXX. The next level support agents name was XXXX, also from the XXXX. The first agent said I will have a 30-day late payment reported on my credit reports for the XXXX billing cycle if I dont pay my late fee of XXXX, by XX/XX/year>. The second level support agent said I will have a late payment reported to my credit report if Im six ( 6 ) days or more past due. This is a false and misleading statement. Pursuant to the federal Fair Credit Reporting Act, late payments are not reported until 30 days or more past due. 

I then called back on or around XXXXXXXX XXXX  XXXX and got to a female agent named XXXX, who indicated she was in XXXX. As I was talking, she suddenly put me on hold without my knowledge or consent. This is an improper hold procedure.
Product: Credit reporting or other personal consumer reports

I submitted multiple dispute letters to Experian regarding inaccuracies on my credit report, specifically related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ) XXXX. XXXX XXXX XXXX XXXX XXXX ( two accounts ) XXXX XXXX XXXX XXXX XXXX The disputes were sent on [ XX/XX/year> ], but Experian has failed to conduct proper investigations or provide appropriate responses. Despite the errors being either inaccurate or unverifiable, Experian did not remove these accounts from my credit report. 

I believe Experian violated the Fair Credit Reporting Act ( FCRA ) by failing to : Ensure the maximum possible accuracy of the information in my credit file ( 15 USC 1681e ( b ) ). 

Properly investigate disputes and correct inaccurate information ( 15 USC 1681s-2 ). 

Delete inaccurate information following a dispute ( 15 USC 1681i ( 5 ) ). 


These issues have caused harm to my creditworthiness, impacting my ability to secure credit, housing, and employment. Furthermore, Experians actions appear to align with the recent CFPB lawsuit filed against them for conducting sham investigations of consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one second mortgage with Navy Fed CU, the XXXX credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.
Product: Credit card

Dear Sir or Madam, Currently I live in XXXX. While I was reviewing my credit report in XXXX, I realized that 2 accounts were opened on behalf of my name, I reached out NAVY FCU to report identity theft. In addition to that I filed an identity theft report on FTC site. I am sending attached a copy of this report. 

Please investigate these credit cards and remove them from my credit report. Thank you
Product: Debt collection

i called XXXX XXXX today and i was told that i owed XXXX and they put on my credit report i owed XXXX and i dont and the account is closed and took a lose and now im told they sent it to a collection agency called XXXX phone number XXXX and they still haven't taken it off my credit report and the solclution is for them to remove it also my sister never order anything for XXXX, on XX/XX/2017 and she never order anything and my sister got a bill yesterday for XXXX, for something she never ordered and the bill was for XXXX that she doesn't owe help us please
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I was notified by my lender that two tax liens from the State of XXXX appeared on my credit report. The Equifax credit score was XXXX. The tax liens were paid and released in XX/XX/XXXX. I filed a dispute with Equifax. On XX/XX/XXXX Equifax notified me in writing that the dispute had been investigated and completed. The results were that the tax liens reported on my report was updated report satisfied/released. I asked Equifax if they would contact the lender to update the report and credit score. Equifax stated that they could not contact the lender, who pulled the credit report, nor could they give me the new credit scores without paying {$7.00} and waiting 7-10 days for the score to be sent via us mail. The Equifax credit agent told me to have the bank re-pull the credit report to see the updated information. The bank re-pulled the credit report and discovered the following ; 1. The credit update was only made to my report and not my wife 's report as requested. 2. The credit score went down from XXXX after the two tax liens were removed from the report. I made several attempts to gain an explanation and get the credit scores to reflect the removal of the negative information, to no avail. Equifax stated that when the bank re-ran the report, as they requested the bank do, the credit score went down. This makes no sense. How does a credit score go down after negative information is removed?
Product: Credit card

Chase is reporting an account to my credit report that does not belong to me. Originally there were XXXX of these accounts, but Chase correctly removed XXXX of them. However, the XXXX account is still being reported on my XXXX credit report with a negative payment status and history. These accounts were my wife 's accounts and I was only an authorized user, a fact that is clearly verified by the information reported on my report. Since the account has a negative status and I had no payment responsibility for it, the account should no longer be reported on my report. I have disputed all XXXX accounts both with the credit reporting agencies and with Chase directly and, in fact, all XXXX of the accounts, were removed from my XXXX and XXXX reports. XXXX of the XXXX were also removed from XXXX, but XXXX continues to be reported. Although it is possible that XXXX could be at fault for refusing to remove the account, Chase bears ultimate responsibility for the information they report to my credit report, so I request that the CFPB instruct Chase to correct this information.
Product: Checking or savings account

I am writing to complain about a problem that I have experienced with my account at Wells Fargo. On XX/XX/2022, I discovered that a garnishment had been placed on my account. However, I received notice on XX/XX/2022 that the garnishment had been dismissed. Despite this, Wells Fargo has refused to release the funds that were garnished. 
This situation has caused me significant financial hardship as I rely on these funds to pay my bills and meet my financial obligations. XXXX disconnected my power the next day and I could not afford to feed my kids. I have contacted the Legal Department services multiple times to try to resolve this issue, but I have not received a satisfactory response. 
I am requesting that Wells Fargo release the funds that were garnished as soon as possible. I would also appreciate a written explanation of why they have refused to release the fund.
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.

All ACCOUNTS BE REMOVED All INQUIRES BE REMOVED, this 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 States A Consumer Reporting Agency CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No Consumer Reporting agency may make any Consumer report cont
aining any of the following items of information, other than adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

A person shall not FURNISH information relating to a consumer to any consumer Reporting agency
Product: Debt collection

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE CBE GROUP Address : XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX TEXAS Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
Product: Student loan

I have a student loan that is part of the Public Service Loan Forgiveness Plan. I previously had my loan managed by two other servicers. I consolidated my loans into a Direct Loan almost ten years ago. I had to defer payment for a while, but then was in an income based repayment plan for at least the past five years with payments made either on time or within the 15 days of due date for them to count towards PSLF. When XXXX XXXX XXXX took over I heard that they were certifying employment and taking over. I sent in my paperwork. Within approximately 2 months my loan was transferred. My loans continually showed 0 payments as counting towards PSLF. I called and asked why. The rep told me it was because they didn't have the records from the two previous servicers. They told me to call back in a few months. I called back at 6 months and they still didn't have them. I kept checking my loans and saw that it said I had made 4 on one and 5 on the other that counted. I called back upset. The rep said they had received my records ands that all that counted. I asked why. She said I wasn't in the right repayment plan previously. I was in the IBR plan until the repaye plan began and switched over. Those should count. I asked what plan it said I was in. She couldn't tell me. I was very upset at this point. I asked for a letter explaining this to me. She said she would resubmit to have my payments recounted. I called back two days letter because I had been so upset and wanted to confirm all the information. The new rep said that no, my previous servicer info had never been received. That they were going to get it and recount my payments. I have not received any direct communication with them other than my eletronic bills. Who ever " counts '' the payments has never contacted me. I just keep getting told they don't have the information. The information has to exist somewhere of what my loan repayment status was and how much I have paid. It is extremely upsetting that I don't have direct access to my records anymore because they have been transferred to one servicer after another.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received a 41 days past due notification on my Credit Report for an account that was paid before the 30 days late. My payments are due on the XXXX of each month. I make sure my payments are paid. My payment for XXXX was processed on XX/XX/XXXX but the payment processed with my bank before my direct deposit hit my account, so my bank returned the payment and I understand XXXX charges a {$15.00} ach return fee, XXXX retried the payment XX/XX/XXXX and the payment was made for {$94.00} ( monthly payment ) and {$15.00} ( ach return fee ) and both payments were successful. I had no knowledge of the {$15.00} Late Fee that was charged XX/XX/XXXX until XX/XX/XXXX when I got the notification and spoke with a customer service rep that verified I was 41 days late. Even though my account was current this company forwarded my account to a third-party collection agency for a {$15.00} late fee and reported to the credit bureaus that I was 41 days late even though my account was paid XX/XX/XXXX and current. When I called to resolve the issue, I paid the {$15.00} XX/XX/XXXX and I was told that I couldn't get the 41 days late payment removed from my credit report which I don't understand because my monthly payment was made before the 30 days late.
Product: Debt collection

On XX/XX/year>, Aspire Servicing Center called my work phone number, which is a state government number, and asked me to return their call concerning my son 's student loan debt. The XX/XX/year> payment was due on XX/XX/XXXX, so they were calling to collect on the debt when it was exactly 2 days late. This company has broken the law in the following ways : 1 ) I am not a holder of the debt. I am a co-signor only. This company did not try to contact my son 's cell phone, which is the primary phone number listed on the account. I have never provided my work phone number at all to this company. It is not listed anywhere on any documentation we've provided and I have no idea how they got my work desk phone number. 2 ) The bigger issue in this is that I work for a state agency that has a data hold so this company has now violated my rights to privacy, as well as my son 's, by leaving a voice mail about a debt on a state agency phone number, which goes directly to my email because of how our work voice mail is set up. That call now has become a part of legal data hold, putting my personal information into a hold that should have never been placed out there.
Product: Credit card

I reported to the merchant, American Eagle that our order was not received. The order was allegedly deliver by Fed XXXX on XX/XX/year> at XXXX. I checked my home cameras and no deliver was made before or after XXXX am. In addition, no photo was taken by XXXX  XXXX that they drop off the package as they have done before. I called XXXX  XXXX to filed a missing package and was advised that the merchant American Eagle would need to file the report. I contacted American Eagle and was advised that they will file the report. I also contacted my credit card company XXXX XXXX  to dispute the charges as the package was never received. On XX/XX/year> I received a letter from XXXX XXXX  stating that a credit will not be issued as " we have received no proof that a credit is due on the account from you and or the merchant ''. On XX/XX/year> I wrote a letter to XXXX XXXX, stating the same events with copy of the XXXX XXXX  print out and a photo from my front door camera advising that I have the recording showing no package was left at my house. I had sent the letter certified mail and I resent the same letter on XX/XX/year> as the certified mail was not claimed. On XX/XX/year> I received another letter from XXXX XXXX  stating the same thing " we have received no proof that a credit is due on the account from you and or the merchant ''. which is ridiculous since I have proof and the recording for that day. No one has ever contact me or email me requesting the footage.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) Due to inadequate practices, which violate the consumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid 19 pandemic is still active and in place. Capitol One Bank for the months of****XXXX  and XX/XX/XXXX are reporting 2 late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax about 5 times within the last 45 days in reference to hard 10 hard inquiries appearing on my credit report in a 30 day period. My identity was compromised. I sent them a police report. They have yet to remove these inquiries. The have yet to provide me proof with my handwritten signature to show that I XXXX XXXX applied for these applications and signed. I am trying to buy a home amongst other things and these hard inquiries are affecting me in a huge way. I need these taken off my report asap. 

Ive sent the police report to XXXX  and XXXX who has cooperated and removed all 10. Equifaxhas not. 

The inquiries are : XXXX XXXX/ XXXX on XX/XX/2018 - Unauthorized, XXXX XXXX/XXXX   XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXXXXXX XXXX , XXXX XXXX on XX/XX/XXXX &  XX/XX/XXXX BOTH Unauthorized, XXXX  on XX/XX/XXXX - Unauthorized, XXXX on XX/XX/XXXX -  Unauthorized, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX BOTH Unauthorized, XXXX  XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXX on XX/XX/XXXX -  Unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized one main financial to pull my credit report. I do not know who this company is. The company is not responding to my letter request to remove the inquiry off of my credit report.
Product: Checking or savings account

On XXXX I started payment for a automobile motor from XXXX XXXX XXXX using my USAA debit card ending in XXXX. The amount was for XXXX. I later finished payment for this motor on XXXX for a total of XXXX with me USAA credit card ending in XXXX. I have never received this motor and I have never received a refund for my purchase. I no longer wish to be a consumer in America until this matter is solved.