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

I, XXXX XXXX, identified multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, as outlined below : Acceptance of Inaccurate Credit Information ( FCRA Section 616 ) : Credit information was accepted and reported about me without verifying its accuracy, which constitutes willful noncompliance under the law and may result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of having my personal information shared was not disclosed, violating consumer protection provisions and deceiving me about my rights.

Furnishing Inaccurate and Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation. These actions not only misrepresented my credit profile but also violated principles of transparency and accuracy.

Unfair Debt Collection Practices : Debt collectors engaged in harassment and unfair practices by reporting inaccurate debts and accounts, causing me undue distress. They also improperly disclosed information to third-party credit reporting agencies.

Reporting of Misleading Late Payments : Late payments were reported without clear definitions of what constituted a late payment, resulting in deceptive and inaccurate entries on my credit report.

Failure to Accurately Determine Finance Charges : Finance charges were inaccurately reported, which is a responsibility credit reporting agencies must fulfill.

Reporting Without My Consent ( FCRA Section 1681b ) : Certain accounts and inquiries were included in my credit report without obtaining my written consent, which violates permissible purpose regulations under the FCRA.

Demands and Required Actions : I have requested the removal of incorrect personal information, correction of falsely reported late payments, validation of debts, and deletion of unauthorized hard inquiries. Specifically, I have asked for : Deletion of incorrect addresses that do not belong to me. 
Updates to accounts with XXXX, XXXX, and others to reflect " paid as agreed, never late. '' Validation of debts associated with XXXX and XXXX, providing signed agreements or documentation as required under 15 U.S.C. 1692g. If validation can not be provided, these items must be deleted. 
Immediate removal of unauthorized and inaccurate accounts and inquiries from my credit report. 
These actions are required under the FCRA to ensure the accuracy, fairness, and privacy of my credit information. If these issues are not resolved promptly, I am prepared to pursue legal remedies, including seeking damages for willful noncompliance.
Product: Debt collection

I saw a new collection on my credit report from XXXX XXXX XXXX  for {$2800.00}. It states I open the account XXXX XXXX XXXX which I did not. I called to get information on what company I owed money to, but the representative would not tell me. She asked if their name was the only name on the credit report? And I told her yes. She said she can see who it is but she can't tell me and she gave me a number to call. The number did not state a business name. It was just a voicemail. I have not collected any debt since XXXXXXXX XXXX XXXX. This is false information put on my credit report. And the representative refused to give me any information and said only another department could give me the information. But the number goes straight to a voicemail. Something is very schemed about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX2020,. {$520.00}, I proceeded to call XXXX  to obtain info related to company " XXXX  XXXX. '' XXXX  referred me to XXXX  given phone number. I contact XXXX and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and XXXX  both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached
Product: Money transfer, virtual currency, or money service

I have been using the service Robinhood for about XXXX  year with no problems. In the beginning of XX/XX/2024, with no communication, Robinhood placed my account under restriction and said I needed to provide information to move forward to un-restrict my account. I provided that in a timely manner. They replied with an email saying I needed to send in more information, which I promptly did, and they still denied me access to my account. They said I was required to call them to provide even more information, which I have done XXXX separate times now, for a total talk time of over an hour. The second call was the exact same as the first, just XXXX longer, and has seemingly yielded the exact same result. These calls cost me money. Each time I provide my correct information, Robinhood comes back and says it's not enough and I need to provide more information. All the transactions have been initiated, approved, and completed by me. My bank account has all receipts needed to continue to verify I am the only one controlling my account. Besides Robinhood now. They are keeping XXXX XXXX of my own money from me because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and XXXX  showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to XXXX  and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports XXXX  deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first house using my VA Loan and now that has been jeopardized. When I contacted XXXX  to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report XXXX  because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX XXXX XXXX XXXX XXXX and I hope this could be rectified as soon as possible.
Product: Credit reporting

I disputed this directly before, not thru CFPB. 
I attached my Equifax report from XXXX XXXX and then XXXX XXXX I also attached the XXXX case again regarding reporting status. 
Equifax " reverified '' the XXXX account, that 's fine, all they did was drop some of the reporting history from XXXX. Under XXXX, you ca n't report information during my Chapter XXXX even " status '' 1- Date of first delinquency XXXX, what do you think? does it match reported payment history? - all XXXX 's leading up to that date, maybe they are n't sure what XXXX '' means on their report? 
2- Date of last payment- again ca n't be during the Chapter XXXX XXXX Date closed- again ca n't be during the Chapter XXXX. 
Case Law and FCRA, seem like they have simple rules to follow, but then who really does that anymore? 
The XXXX XXXX account is simply the " status '', It is not a " charge off '' they sent me a settlement letter and I sent them a check. To be accurate, it would say 'settled for less than full balance. The current status indicates to anyone reviewing my credit report, that I simply ignored XXXX XXXX, when I found work again, I paid them what they asked.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX DPEDXXXX  XXXX DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX , J  XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.
Product: Credit reporting or other personal consumer reports

The consumer financial protection bureau has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures to align with my experience, where experian had 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 experians inaction violates federal and law and my rights as a consumer.
Product: Prepaid card

I was sent a prepaid card for {$1.00}. This card has a monthly service charge of {$3.00}. It isn't clear to me how to close this account or where the service charge comes from since the card balance is only {$1.00}. I tried calling the phone number on the card but it was an automated system that was not helpful. No person was available. 

This card is some sort of refund from XXXX. I never requested the card or the refund. This has caused a lot of aggravation and I don't even care about the {$1.00}.
Product: Checking or savings account

Stop placing holds on my account. A check was deposited on XX/XX/2020. It has been ten business days and the item is still on hold by your bank.
Product: Checking or savings account

On XX/XX/year> I went to check my account because I needed to handle some business and needed to get some money from my account. Upon trying to sign in to my banking app I get a message saying that my account is closed and to contact member services. When I spoke to someone in member services they tell me on XX/XX/year> my account was closed due to me not complying with the direct deposit agreement. I said what exactly did I not comply with in the agreement. They tell me that's the only thing they can tell me I have emails they sent to me with their reasons and also was told to look at the ammendment and cancellation on the link on the Chime website. I did but could not find a valid reason as to why my account was closed and in the ammendment and cancellation it says i able to be refunded my remaining balance but i guess since they stole my money its saying i dont have a remaining balance. I called them more than 4 times on XXXX, 2024 and it seems to be script there reading from, no one can tell me anything. I checked my email and the only reason they gave was about a direct deposit agreement but on another email about my credit builder is totally different it says something about legal or law enforcement request and no explaination.So I had them to send me my recent bank statements, and it clearly shows they stole my money from account and gave me bogus reason as to why. I called back on XXXX, 2024 again and it's the same response. It's a nightmare it may not be much to them but I work hard for my money and saved that money for my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Commerce Bank recently closed a credit card I have had with them for almost a decade without telling me. They did this despite always making regular payments on the card. I am current with this card, yet they closed the account without notice sent to me, and when I log into the online portal for this card, there is no indication whatsoever that this account was closed. They do not provide adequate documentation, notice, or have their website reflect what they do behind the scenes in secrecy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit bureau regarding these inquiries as they are fraudulent. I have no idea how these lenders got my information. Please advise them to DELETE. They advised to contact you all! Here is the fraudulent inquiries below they are affecting my credit report in a negative way and are not MINES : 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
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint about Equifax, XXXX, and XXXX, for violating the following laws related to my consumer report : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) : Permissible purposes of consumer reports 18 U.S. Code 6802 : Wire fraud Specific Violations of U.S. Code : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report if the person requesting the report has a permissible purpose for using the information. I did not give my permission in any form for Equifax, XXXX, and XXXX to report the following accounts : 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 18 U.S. Code 6802 states that it is a crime to knowingly transmit false or fraudulent information in interstate or foreign commerce. Equifax, XXXX, and XXXX transmitted false or fraudulent information about me to potential creditors and employers by reporting the accounts listed above without my permission. 

Here are the specific examples of Unfair, Deceptive, and Abusive Practices : Equifax, XXXX, and XXXX reported the accounts listed above on my credit report without my permission. 
I have not been notified of the accounts listed above being reported on my credit report. 
The accounts listed above are inaccurate and have damaged my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax, XXXX, and XXXX 's practices and take appropriate action to protect consumers from Equifax, XXXX, and XXXX 's unfair, deceptive, and abusive practices. I would also like to be compensated for the emotional distress and financial losses that I have incurred as a result of Equifax, XXXX, and XXXX 's actions.
Product: Debt collection

Ic systems is trying to collect a debt I do not owe for XXXX XXXX. This debt is not mine and I have never had XXXX XXXX. IC Systems did not send my any letters concerning this debt. I seen this debt on my credit report.
Product: Credit reporting or other personal consumer reports

They were to remove an account that is over XXXX XXXX XXXX from a bank and loan. They did not investigate in a timely manner and instead of removing it they put incorrect information and extended the timeline to remove it! 

I closed an account in XXXX  and they keep reporting and show and incorrect closed date! This account should not stay on until XXXX!!! No account can stay on my report for XXXX plus years. It needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these following accounts that appears on my Experian credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX, XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX  {$2300.00} Account XXXX b. XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account XXXX C. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  {$72.00} ACCOUNT XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Product: Money transfer, virtual currency, or money service

Id like to file a complaint against zelle handling disputes with my bank. Zelle had failed to investigate certain charges. Scammers will exploit peoples money and not be able to get refunded. This is a lack of respect for peoples hard work money.