23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My house was flooded with raw sewage the second week after moving in. The insurance company stated it did not cover sewage or water pipes. I have XXXX plumbing bill from XXXX XXXX XXXX due to them digging up my front yard doing a maintenance clean up and replacing pipes. The next month the bank sold my loan to anther bank to told me change insurance company. Now the excite account is short and my mortgage has been increase to XXXX which I can not afford. I am still paying for the plumbing bill because it was financed and the plumbing issues continues every time it rains or becomes cold my plumber back up and clogged up with sewage into my toilet & tub. I have invoices, receipts and pictures.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for FCRA Violations To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XX/XX/year> Dear CFPB, I am submitting a formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically violating : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report 15 USC 1681s-2 Failure of furnishers to properly investigate and correct disputed information 15 USC 1681i Failure to conduct a reasonable reinvestigation of my disputes 15 USC 1681c ( c ) Unlawful reinsertion of previously disputed and removed negative information I have made multiple attempts to dispute inaccurate information on my credit report, sending multiple letters requesting verification and correction of errors. Despite my repeated efforts, XXXX has either failed to investigate properly, refused to correct the errors, or reinserted inaccurate information without following legal procedures. 

I recently learned about the CFPBs lawsuit against XXXX, which highlights the same issues I am experiencing. According to the CFPB, XXXX has engaged in sham investigations of consumer disputes, failed to remove or reinserted errors, and failed to uphold consumer rights under the FCRA. My case appears to be part of this ongoing pattern of misconduct. 

Harm Caused XXXX  failure to correct my credit report has negatively impacted my financial well-being, including : Denied credit applications, increased interest rates, inability to obtain housing, job opportunities lost, etc. 
Emotional distress, financial hardship, and issues purchasing a home and vehicle. 

Requested Resolution 1. I request a full reinvestigation of my disputes and immediate correction of inaccurate information on my credit report. 
2. I request CFPB enforcement action against XXXX for its failure to comply with FCRA. 
3. I request compensation for any damages suffered due to XXXX negligence. 

I am attaching copies of my dispute letters, proof of submission, XXXX  responses ( if any ), and my credit reports showing the errors. 

Thank you for your time and attention to this matter. I look forward to your response and any further guidance on how I can pursue action against XXXX. 


Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report Experians failure to properly investigate and resolve disputes regarding inaccuracies on my credit report. My experience aligns with allegations in the CFPBs recent lawsuit against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Specifically, I have experienced the following issues : Faulty Investigation Procedures : I disputed inaccurate information on my credit report related to accounts from XXXX XXXX and XXXX that were reporting inconsistently across the XXXX major credit reporting agencies ( Experian, XXXX, and XXXX ). However, Experian updated these accounts without providing any details about the investigation or the basis for the updates. It appears that Experian uncritically accepted the responses from XXXX XXXX and XXXX without thoroughly reviewing the evidence I submitted or ensuring the accuracy of the updated information. 

Unclear or Incomplete Notices : The notices I received from Experian regarding the dispute resolutions were vague and lacked critical details about their findings or how they arrived at their conclusions. This left me unable to understand or verify whether the investigations were conducted properly or if the updated information was accurate. 

Unfair Acts or Practices : XXXX handling of my disputes reflects systemic issues highlighted in the CFPBs lawsuit. Their flawed intake procedures and deference to data furnishers have caused harm to my financial standing and creditworthiness. These practices violate federal laws requiring consumer reporting agencies to ensure accuracy and transparency. 

As a result of Experians inadequate investigation and failure to provide proper resolution, the inaccurate accounts remain on my credit report, negatively impacting my ability to access credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SICK OF XXXX XXXX, THIS COMPANY ALLOWED XXXX REPORT THE SAME ACCOUNT TWICE RUINING MY CREDIT PROFILE, THEY ALSO REFUSE TO INVESTIGATE XXXX XXXX WHICH IS REPORTING ON MY CREDIT PROFILE WHO I DON'T OWE A DEBT TO.I ASKED THEM EXPLAINED TO THEM THE ACCOUNT WASN'T MINE AND THEY SENT BACK VERIFIED I ASKED THE METHOD OF VERIFICATION BECAUSE ITS IMPOSSIBLE FOR THEM TO VERIFY I ACCOUNT I NEVER HAD THEY IGNORED ME, ITS BEEN OVER 30 DAYS I SENT THE LETTER VIA CERTIFIED MAIL SO I KNOW XXXX XXXX RECEIVED THE LETTER .SOMETHING REALLY NEEDS TO BE DONE ABOUT THIS, HOW CAN THEY LET THE SAME ACCOUNT THAT IS NOT MINE REPORT TWICE THE SAME ACCOUNT NUMBER, SAME ACCOUNT DATE AND EVERYTHING & NOT EVEN CARE TO FIX IT.I WILL CONTACT THE NEWS STATION, MY STATE ATTORNEY GENERAL & EVERYONE I CAN BECAUSE THESE BUREAUS ARE BEING PAID BY COMPANIES TO REPORT & THE BUREAUS THEY DON'T CARE IF THE COMPANY IS REPORTING ACCURATE INFORMATION ALL THEY CARE ABOUT IS THE MONEY THEY ARE MAKING ..THEY DON'T CARE IF THE ITEMS IS TRUE AND ACCURATE SOMETHING HAS TO BE DONE ABOUT THIS THE CREDIT BUREAUS NEED TO STOP THIS IS AGAINST THE LAW, EQUIFAX & XXXX WOULDN'T INVESTIGATE THE ACCOUNT WITH XXXX XXXX I DONT OWE THAT DEBT, NONE OF THE COMPANIES WILL INVESTIGATE THIS ACCOUNT WITH XXXX XXXX I REPEAT I NEVER HAD A CONTRACT WITH THEM & I NEVER HAD AN ACCOUNT WITH THE ORIGINAL CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax to cancel a freeze on my acct. However I am unable to make any changes as staff on phone said they can not prove I am the person requesting change. The woman had a difficult time understanding English or speaking it. 
I asked for a supervisor but never transferred after 30 minutes. 
There is old personal information on my credit report and current information not reflected at all. 
I want to make updates on my acct and unfreeze it
Product: Credit card

I added my newborn son as an authorized user to my Bank of America Spirit credit card. The card never arrived and on XX/XX/XXXX I received a notification from my bank that my card was being used to buy shoes at XXXX XXXX and then at XXXX - both in XXXX, Ca. Same night, neighbors in my building also reported having their credit cards or replacement credits cards stolen and used at the same XXXX at the same time. I had signed up for email alerts and never received an image of the upcoming card, which means the theft likely took place before it was scanned at USPS - we reported it to USPS as well ( attached ). I called BoA and reported the theft but was told that the claim was denied because my newborn son had signed the receipts and/or put in the pin code to sign the receipts. My son was with me at XXXX XXXX  at home which can be verified through numerous methods and I have the names of the residents in my building who were also robbed that night ( attached ). I have also filed a report with the XXXX police department ( attached ). I have been going back and forth with BoA around this charge where they take off the charge and put it back on since XX/XX/XXXX and the bill will be due soon which will impact my credit.
Product: Debt collection

I noticed LVNV funding on credit report when trying to buy a home. Wrote XXXX letters to credit bureaus to validate debt that has not been validated as of today. wrote letter to LVNV funding to validate debt never get a response as of today
Product: Money transfer, virtual currency, or money service

I used Money Gram to transfer an amount of Money to XXXX XXXX this transaction was successful got a reference # on my end ; however on the other end my receiver couldn't get the money after going to 5 different banks since the amount exceed their limits ; after speaking with Money Gram 6 different times they only solution they gave me is it for ME to cancel ( which I don't want ) this transaction and wait up to 10 business days to get it back, they can not do their service and now I have to wait for my own money and I can not dispute the charges as well since this transaction shows under " processing '' this is frustrating and unreal they should refund customers money it right away since they can not fulfill and complete their service and the only reason we use this company. PLEASE BEWARE or their ' '' SERVICES ''
Product: Credit card

Card # XXXX I already transferred the entire balance to my new discover card on XX/XX/23, so the balance should be {$0.00} But Capital one charge me the interest of {$59.00}.
Product: Credit card

Capital One failed to protect my account from repeated fraud and wo n't let me activate my replacement card. I have had a credit balance of nearly {$2000.00} for almost four months and Caputal One refuses to let me have access to my money. My credit limit is {$600.00} and they have three times my credit limit in my funds and they are depriving me of my right to use MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge-off on my report that had been showing a late-payment from XX/XX/2016 ( making the 'Time Since Negative ' 2 years and some odd amount of months ). I paid the charge-off in full XX/XX/XXXX of this year. When I checked my credit report for Experian, it now shows a 'Time Since Negative ' of 1 month. I am not sure how that is possible given that prior to paying it in full ( mind you, I had made a previous payment on the account the month before and that didn't change it ), it listed a much longer 'Time Since Negative ' and that was correct. That shouldn't have been changed to 1 month for paying the past-due in full ( it is even reporting as 'Failed to Pay ' for the month of XX/XX/XXXX, even though I paid in full on the XX/XX/XXXX ). So, either Experian is reporting it incorrectly or XXXX XXXX XXXX is.
Product: Debt collection

Last year I started receiving magazine subscriptions. I thought it was strange as I had definitely not ordered these but they had my name on them. I did not receive a bill or any communication as to why I was receiving these magazines so I didn't worry about it. Then I received a phone call today from Southwest Mediation Services. They informed me that they were calling on behalf of XXXX XXXX. XXXX XXXX stated that I was in breach of contract, that I had received goods and services ( the magazines ) had not paid for them and that I was now in breach of contract in excess of {$1000.00}. I stated that had never ordered these magazines or agreed to pay for them. The mediation company stated that the 'proof ' was of a recoding of me agreeing verbally to this contract through a phone call from XXXX XXXX. I did not receive this phone call or agree to these terms and they could not provide this 'proof ' over the phone and were only calling in attempt to collect on this debt. I refused to interact further and ended the conversation.
Product: Credit card or prepaid card

Credit card dispute denial although the transaction was a fraudulent by merchant
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 XXXX Acct # 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  Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

Unrecognizable Inquiry showing on credit report XXXXXXXX XXXX  ( XXXX ) XX/XX/2022 Please remove inquiry from credit report.
Product: Money transfer, virtual currency, or money service

The company or app called Mercari had let me create my account and list an item of my personal property for sale. Now upon making the listing I had a buyer purchase my item and as soon as they done so Mercari cancelled my account and closed me out from being able to cancel the sale or anything. INSTEAD MERCARI PROCEEDED ON THEIR OWN WITH MY property and sold it to this buyer. The buyer who loved the item was happy and since I was left unable to cancel the sale I figured well at least I'll be able to get my money for it. Well wrong I am they kept the money and instead of canceling the sale and I could have left with my familys property they sold it and are now keeping the money. They won't speak to me or give me a reason for the closure of my account nor speak to me to allow me to get my funds back. And I tried speaking to them over XXXX times and all they said to me was they stand by their disscison and I even uploaded my state driving license and the keep shutting me out. I just want my money and they already sold my property so I need help. I am a XXXX and they will not listen to me.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Product: Credit card or prepaid card

I have already provided NFCU legal documents and they are still giving me reasons why I am considering taking them to Court like I have other Banking institutions and they settled. This account is fraudulent my previous roommate who came to stay with me from XXXX confessed to opening, using accounts, and she said that she did it after moving out. She had the mailbox key and would give me mail and withheld the accounts open up fraudulent. Yes NFCU is not doing anything because payments were made. Payments were made so I would have not noticed if I needed credit.
Product: Debt collection

On XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX. The letter was a settlement letter requesting me to pay XXXX different amounts to settle the account. I called to ask why I was receiving the letter & that I am not aware of an account with them. The guy on the phone at XXXX XXXX XXXX, asked for identifying factors in which I would not give him. He became irate & hung up. Afterwards, I called Credit Acceptance Corporation, & was informed that they're trying to collect a date from XXXX which is far past the statute of limitations so I faxed a letter to both entities & in total disregard concerning my letter, this morning, I received a call from XXXX  & voicemail from XXXX, after I requested for them to not contact me concerning the matter. So I called back & spoke to another person who answered & asked that my number be put on their do not call. She asked me to hold & after 10 minutes I hung up the phone.
Product: Credit reporting or other personal consumer reports

These accounts listed below needs to immediately be removed off of my credit reports as they are a result from me being a XXXX XXXX victim I will attach all required documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I, XXXX XXXX XXXX all of a sudden could not access my online account with USAA, as if I were locked out. I then proceeded to call customer service on XX/XX/XXXX and was notified that I needed to open accounts somewhere else as USAA was considering me a high risk customer due to a XXXX mistake I made 16 years ago and therefore USAA was terminating my relationship with any of their products despite that fact I had been an above excellent customer for almost two years. I carried two credit cards that never carried a balance despite the extremely high credit limits I had. I also maintained loans that were always paid, never a missed payment as well as personal accounts that had extremely high available balances. My credit cards were cancelled immediately, my credit score decreased, and I was unable to get approved anywhere for a new credit card as I had stayed a loyal USAA member, and any/all other assets were froze and put me and my family in a financial hardship during a nationwide pandemic. I'm appalled this is the thanks I get for having numerous family members serve my county. SHAME ON YOU USAA FOR TREATING OUR MILITARY SERVICEMEN LIKE THIS!!!!
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by Fake Representatives of XXXX XXXX ( the Scammer ), using XXXX XXXX XXXX XXXX XXXX XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX XXXX ( XXXX XXXX ) was transferred from my wallet utilizing Coinbase services