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

I am filing this complaint due to the continued inaccurate reporting of an account that I have previously disputed with both the credit reporting agencies and the furnisher, yet the issue remains unresolved. 
I am disputing the accuracy of an account with XXXX XXXX being reported on my consumer file. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I have the right to challenge false, misleading, and inaccurate information on my credit profile. The FCRA explicitly states furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. 

I have contacted the entity reporting this debt multiple times, requesting verification, including proof of ownership and legal standing to collect. Despite my repeated requests, they have failed to provide any documentation demonstrating their authority over the alleged obligation. Their continued failure to respond appropriately raises concerns about the legitimacy of their claim. 

Additionally, I have reviewed the companys XXXX report, which suggests that the debt in question may have been securitized. If this is the case, the original creditor is no longer the true owner. Without proper documentation proving their right to collect, the reporting of this account is inaccurate and misleading. 

I have attached copies of my correspondence with this company, including references to their own financial disclosures, which further cast doubt on the validity of the reported debt. Given their failure to provide the required verification, I formally request that this account be permanently removed from my consumer file immediately. 

If the account is not removed, I request that you provide verifiable documentation proving the entitys legal standing to furnish this information.
Product: Vehicle loan or lease

ADVERSE ACTION ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by GM Financial XXXX XXXX XXXX I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). GM Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ 1681M 3.

12 CFR 1002 Since the letter you sent me dated XXXX XXXX both a proof and evidence that I have been discriminated against, you are also criminally liable. GM financial should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. 
BEST XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not responded to ANY of my disputes under section 609 or 611 Which I sent certified mail. 

Experian is now in direct violation with the FCRA Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

I've attached enclosed letters of my dispute under the FCRA and also a non response to Experian Via certified SIGNED SIGNATURE. I've yet to receive any correspondence Experian needs to delete these accounts that are in the attached letters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX XXXX  - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}
Product: Checking or savings account

Navy Federal Credit Union has been charging illegal overdraft fees, including delayed peer-to-peer payments and undisclosed processing times, There was money available for the ACH charge at the time of processing. navy federal is waiting until money is unavailable to take out ACH payment after payment for ACH payment has been processing over XXXX  days to cause a returned check fee I was charged check fees on these days for the amount of {$29.00} and only XXXX have been credited back XX/XX/year> {$29.00} XX/XX/year> {$29.00} XX/XX/year> {$29.00} XX/XX/year> {$29.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and I see unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I noticed these inaccuracies I filed A Identity Theft FTC report.
Product: Checking or savings account

I've been wrongly charged multiple times by XXXX XXXX, even when I didn't have sufficient funds in my account. Despite reporting this issue to Wells Fargo, my bank denied my claim. These charges were unauthorized, and I've reached out to XXXX XXXXXXXX XXXX customer service via email but received no response. It's worth noting that I only used their services once and did not sign up for any recurring subscriptions. These charges have depleted all my funds, and I'm in urgent need of resolution.
Product: Debt collection

I received a collections notification from XXXX for Jefferson Capital Systems and I would like verification of the original owners payment history along with original signed contract. I need the date of First Delinquency. I haven't received anything to verify this account. If they cant provide this need to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to you today to express my deep concern regarding the blatant violation of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced at the hands of your company. Specifically, you have violated codes 15 U.S. Code 1692j, 15 U.S. Code 1692f ( 1 ), 15 U.S. Code 1692e ( 9 ), 15 U.S. Code 1692f ( 7 ), and 15 U.S. Code 1692e ( 13 ). 

I have attached proof of your numerous violations in the form of an affidavit, invoice, and the initial response letter from your company. As a result of your actions, I have suffered significant harm, including derogatory marks on my consumer report. This is unacceptable and I demand that all derogatory marks be removed from my consumer report immediately. 

Furthermore, I demand that you pay the attached invoice for the cost of the harm caused by your violations. Your failure to comply with these demands will result in further legal action against your company. 

I want to emphasize how seriously I take this matter, and how deeply disappointed I am that your company would violate such important regulations. The FDCPA exists to protect consumers from harassment, abuse, and other unfair debt collection practices, and your actions have demonstrated a blatant disregard for the rights of consumers. 

I urge you to take immediate action to rectify this situation, and to ensure that similar violations do not occur in the future. Please respond to this letter promptly with your plan for addressing these issues.
Product: Credit reporting

I Checked my credit report and saw that there is a judgment against me. The reference number is XXXX. 
I have disputed this Judgment directly with XXXX XXXX and they advised me that they are unable to validate any judgments between XXXX XXXX and myself and therefore should be deleted from all XXXX credit bureaus agencies. Please see attached their response requesting advising that it should be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  collections has been placing info on my report I have done a verbal Cease and Desist also a written letter also confirmed they received the letter I have been working extremely hard to repair my credit and I have no business with them
Product: Credit reporting

I have an account with Equifax that was removed and has returned. 

XXXX : removed on XX/XX/2016 XXXX XXXX XXXX
Product: Debt collection

Disputed with credit reporting agencies and to no avail. 

Exeter Finance repossessed the car over three months ago. I received no paperwork about auction and sale of vehicle. Debt is still illegally amounted on credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XXXX, XX/XX/XXXX, I made a cash deposit of {$1000.00} to Chase Bank. I also cancelled a transfer to XXXX XXXX XXXX from that account as it was no longer needed. To have additional security on my account, I locked both my Chase Credit and Chase Checking account. At XXXX, I called Chase customer service as I noticed that I was charged a service fee of {$12.00} in XXXX and XXXX. I was hoping to get clarity on the situation and hopefully a reversal, unfortunately that was not the case. 
At XXXX, I called a service representative in which I was told they would transfer me to customer service. Upon doing so the customer service representative stated that she noticed that I had an account with Chase Checking which was closed in XX/XX/XXXX. I explained to her that it was a new account and I attempted to transfer funds to an existing account to the Chase account. I also expressed that the account was abruptly closed and I received no insight on the matter then. She then stated she would transfer me to another department to help with the service fee issue but instead, I was hung up on after being on hold for an extended period of time. 
I called another customer service representative at XXXX regarding the issue but I was told that I should call customer service Monday as they are closed. I then tried to access my Online Chase Banking account but to no avail as I was met with this message, We locked your account due to unusual activity. 
Call us to unlock it. If you're a commercial client, reach out to your servicing team. 
Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. I called another customer representative to see what was going on and I was informed that Chase no longer wants to continue a relationship with me and that my funds are to the discretion of the bank teller. As my Chase credit card account is connected to my Chase online banking, I called their customer service number to inquire about what can be done with that account. I was informed once again that I can not be provided with a reason why my Chase checking account was closed and that my funds are at the discretion of the bank teller. When I then asked to close my Chase credit account as I feel there is no security with them, the representative stated I can close it on the phone and then hung up on me again.
Product: Debt collection

I previously disputed this erroneous debt under complaint XXXX, which was deleted from my credit reports with XXXX, XXXX, and XXXX. Another company named Avante USA has purchased this erroneous account and is contacting me to pay {$1100.00} to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMOUNT {$430.00} I SENT IN MULTIPLE LETTERS REGARDING THIS MATTER FROM 2015 ALONG WITH THE POLICE REPORT TO SHOW THAT THIS WAS IDENTITY THEFT, THEY SENT ME A LETTER WHICH STATED THAT I STILL HAD TO PAY. THIS IS STILL SHOWING UP AND DAMAGING MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated after finding unauthorized inquiries on my credit report this morning. These discrepancies were unexpected, and despite refreshing my browser multiple times, they didnt disappear. Im at a loss as to why this happened and urgently need this issue addressed. I ask that you carefully review the documents Ive provided so this problem doesnt continue to haunt me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the Equifax data breach, and fraudulent accounts have been opened in my name without my knowledge or consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request that all fraudulent accounts be blocked and permanently removed from my credit report. The accounts and details in question are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Unauthorized inquiry has been placed on my credit report from XXXX XXXX on XX/XX/2023. I have not authorize such inquire and I am requesting it be removed from my credit report.
Product: Credit card or prepaid card

My credit card was rejected at a restaurant recently. When I called to see what the problem was, I was told that I had tried to log in previously and had not completed the log in procedure. As I then recalled, I had tried to log in, and a warning said that I would need to receive a code from my XXXX or Smart Phone. As that is not possible, I chose the option to receive the code from my email address. No code arrived. 

When I called the help desk after my credit was declined, the representative said that I would need to send a picture of my drivers license taken with my cell phone and send it to them. After, again, explaining that was not possible, he said that I would need to fax my drivers license to him. If I dont have a cell phone, I am unlikely to have a fax machine ( Does anyone fax anymore? ) I am XXXX years old and do not think that I should have to own an XXXX or Fax machine to verify my existence. Isnt giving the correct answer to my mothers maiden name, last 4 digits of my social security #, and answers to the 3 security question that I had given them to set up the account adequate? 

The case number that Capital One has for this isXXXX
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

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 contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed immediately. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc. ) due to inadequate customer service, and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app Failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, the 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. Theses actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Set an auto-payment for XX/XX/2023 for XXXX. Received a confirmation from the servicer that the payment was set up through email. The payment does not go through and the servicer lets me know that my loan is still due so I submit a manual payment XX/XX/2023. I get another confirmation through email that my payment has been received by the servicer for the same amount. 

However, XXXX days afterward I get another email talking about how my payment has not gone through and that it's overdue. I check my account history and see that the XXXX was subtracted and then immediately rejected and refunded back to my bank account the same day. However when I check my bank statements there is no money that was subtracted and then refunded back. 

I made another manual payment today on XX/XX/2023 for the same XXXX and got another confirmation email. We'll see if it goes through. I emailed them at the help center online and called them at XXXX to speak with a rep and got left on hold for a half hour with no one picking up.
Product: Credit reporting or other personal consumer reports

There is a credit inquiry that I don't recognize from chase banking
Product: Payday loan, title loan, or personal loan

I was in a position of being evicted. I searched online but never really wanted to do one of these loans. I received an email from XXXX  and I was so desperate and they were very persuasive and I ended up borrowing $ 900.in XX/XX/XXXX. I thought I would be able to pay it off within a few weeks. I thought it was a monthly payment. It is {$280.00} every two weeks. I lost my job in XX/XX/XXXX and if I paid it off it will be {$1000.00}. I have already paid {$1100.00}. I see now that the interest rate is $ 740.21 %. I have notified them that I no longer would authorize ACH withdrawls, I have not heard any response from them. I know that if they attempt to withdraw funds onXX/XX/XXXX, I will get charged for an NSF charge. I was involved in an accident on XX/XX/XXXX suffering a concussion. I am now having to look at going back on XXXX XXXX.

I can not fathom it being legal to charge the percentage rate they are charging. I don't know if there's anything that can be done. This should be illegal. I at least needed to file a complaint.
Product: Debt collection

I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a charged-off account that was opened without my authorization and as a result of ID theft. Ive sent an official police report, FTC complaint, employment and ID documents proving that Ive lived overseas and did not open, access or use this account. XXXX  and XXXX   promptly removed the same fraudulent account in XX/XX/XXXX and adjusted my credit score. Yet when the same dispute was submitted to Experian in XX/XX/XXXX, they refused to adjust the score. When provided the same supporting documents on XX/XX/XXXX, they still refused. As of XX/XX/XXXX, this fraudulent account is still on my Experian credit report, thus preventing me from using my correct credit score. Experian provides excuses every time I call them, which is essentially a waste of 60 mins on a daily basis. I want to formally file a complaint with the CFPB again Experian to help me correct my credit score and allow me to live my life.
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 filing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes.These failures align with my 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. 

Disputed Accounts XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company in XXXX. I was not able to get a live person on the phone.

I requested a chat session on their website, with no response.

I emailed, but they did not contact me.

I sent a letter requesting an " unfreeze '' but they did not respond.

I attempted to unfreeze it online, requested a new pin and requested a one time unfreeze for a creditor, Each time I submitted the requests an error message that they could not process my request showed up.