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

Experian, XXXX, and XXXX have failed to comply with the Fair Credit Reporting Act 15 U.S.C. 1681i by neglecting to conduct meaningful investigations into multiple disputes I submitted in XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite providing detailed supporting documentation to correct false late payments and inaccurate collections, these credit bureaus failed to follow the legally mandated steps to verify the accuracy of the disputed items. They communicated that the information was verified without demonstrating compliance with the law 's verification requirements or providing a detailed explanation of their findings.

As a result, inaccurate and harmful items remain on my credit report, including false late payments and unvalidated charge-offs or collections, causing damage to my financial standing and creditworthiness. This failure demonstrates a systemic disregard for consumer rights under the FCRA. I request the CFPB to investigate these violations, compel the credit bureaus to remove all inaccurate and unverifiable items from my credit report, and ensure compliance with all legal obligations.
Product: Debt collection

***not duplicate /// new concern XXXX CDR dba Genesis contacted me without regard to my noted cease and desist ( see attached screenshot of call from XXXXXXXX  ). 

Also, when I phoned in on my own, I was initially told I owe XXXX but original creditor has waived XXXX of fees and instructed Genesis of such- why arent my credit reports updated? Why is Genesis attempting to collect a debt XXXX XXXX larger than what is owed.
Product: Payday loan, title loan, or personal loan

I recently received a promotional offer ( see attachments ) from OPP Loans to apply for a loan. According to the offer, I'd already received a " pre-approved '' status for a potential loan of {$500.00} - {$4000.00}. On XX/XX/2019, I went online to apply for a loan. After submitting my application, I received results showing that I qualified for a loan of {$2000.00} ( according to the loan term agreement ). 

During the loan process, I provided income information ( a copy of my most recent pay stub ), confirmed my credit union information via my online account, and signed a loan term agreement for a {$2000.00} loan. I also included child support as part of my income, but the application never requested proof of other income nor did they reach out to me for that information. I actually signed a loan term agreement at least twice due to a change of terms in the agreement ( appeared the initial payment date was updated since the first agreement was already showing a payment was due on XX/XX/19 ). 

On XX/XX/2019, I decided to reach out to the loan company around noon to see what was going on with the process and I was advised by a rep ( a male ) that my loan was under review and that I should hear something back by XXXX XXXX CST. However, I received an email just before XXXX XXXX   CST stating my loan was denied. I was confused because I thought when I signed the loan term agreement showing the loan amount, that meant my loan was already approved. I contacted a rep ( a female ) with the company and she advised she wasn't able to provide why my loan was denied and that I would have to submit a request for that information. I told her how misleading the process was and she just kept apologizing and saying how she understood my frustration. I also received a denial email ( see attachments ). 

In summary, I applied for a loan based on the promotional offer that I received in the mail, but I was denied only after my personal financial information was already submitted and a loan term agreement / contract was signed. My question is why would I need to sign a loan term agreement and confirm my banking information if I wasn't approved for the loan? I feel as if this company 's loan process is very misleading. They shouldn't have provided a loan term agreement / contract for a loan that doesn't exist. How do I know they won't still try to deduct money from my bank account based on the signed loan term agreement? If you notice on one of the emails attached, they stated they would need this information " before funding your account '' ; indicating my loan had been approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information.

It's really affecting my credit score and my ability to get further credit.
Product: Credit reporting or other personal consumer reports

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They have not investigated
Product: Debt collection

In XXXX, I disputed account # XXXX with LVNV Funding. The alleged original creditor was XXXX XXXX  according to LVNV Funding. I am applying for a mortgage and there is no XXXX XXXX XXXX  tradeline on my credit report. However, LVNV Funding has illegally RE-AGED the account. LVNV is fraudulently representing on my credit report that this account began in XXXX when I disputed it with them in XXXX!! This is causing me to have a lower credit score and affecting my interest rate. I demand LVNV delete this account and provide to me a letter deleting it so that I can provide it to the credit bureaus. If LVNV Funding refuses to delete the account, I DEMAND LVNV Funding provide to me complete accounting validation of the debt according to the Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act and the Fair Credit Reporting Act. Again, LVNV is ILLEGALLY RE-AGING THIS ACCOUNT TO DELIBERATELY HURT MY CREDIT RATING!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting the wrong information such as my address and my name
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card

I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number XXXX did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC account.
Product: Credit reporting or other personal consumer reports

I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.
Product: Checking or savings account

This morning XXXX at XXXX XXXX. I retrieved an email from Marcus by Goldman XXXX XXXX. XXXX email asked me to call XXXX about " my account '' ... ( keep in mind I have many accounts... ) On a recorded phone line I called at XXXX XXXX XXXX to XXXX ( she refused when I asked to either provide a last name or XXXX XXXX id # ) ... She asked me a series of normal questions and also for my secret word on file ... .I answered her questions ... normally they authenicate me with a TEXT code ... She then asked me a series of security questions for which I answered all of them correctly. The last question could have been answered two ways ... she asked if I am associated with XXXX XXXX or XXXX... I said " NO '' ..She asked if I was associated with " XXXX ''. I told her that my town is in XXXX XXXX so I wasn't sure if it were a trick question..she then stated ( and I sure hope you people pull each and every conversation I had to hear all ) that I refused to answer the questions? 100 % FALSE/LIE. I demanded to speak to a manager immediately. She indicated no one was available at first stating someone would reach out to me in XXXX days ... I told her NO WAY! I want answers NOW! She put me on " hold '' ... meanwhile while I am on hold a guy named XXXX  ( XXXX ) contacted me on my cell phone from Marcus ... he was of NO help or no value and I'm not even sure why he called me. He said he couldn't help me? Meanwhile, XXXX at XXXX am. transfers the phone call to XXXX ( XXXX ) an alleged supervisor.. I asked her " why '' I recd the email, wanting to know all is well with my accounts and making sure my funds are safe. She indicated she could NOT help me and that NO ONE at the REVIEW TEAM level is available and that someone should call me XXXX XXXX XXXX in XXXX days ... I told her that was completely UNACCEPTABLE ... reminding her that I had already filed XXXX formal complaints against this bank back in XXXX of XXXX  ... .I told her that I am liable to miss the phone call if I even get one and then I have to go through the hour long plus sharade of trying to reach the proper person to get answers. I am on pins and needles and wondering what the " security issue '' is with my account ( s ). The complaint I am filing is against 1 ) Marcus Bank 's customer service department XXXX  ) their inability to have the appropriate team managers/supervisors available ready XXXX  ) their employees continued refusal to properly identify themselves with Employee ID # or XXXX code ( i.e. XXXX refused )
Product: Checking or savings account

I opened an online high yield savings account with Sybchrony Bank. I has some issues with understanding how to do the mobile deposits. My mistake. I finally figured it out and they accepted some money. Ever since then which has been since the beginning of XXXX my account is restricted. It is supposed to be under review. I am to receive a phone call from the security department. I have called them now XXXX  times to find out when this will be fixed and each time the amount of time it will take gets longer. I called this past Wednesday XX/XX/16 he was very nice but even he stated that he didnt know why it was taking so long and he sent them a follow up request. I asked why I cant be transferred to them and he said they dont have a phone numberwhat??? I want to close this account and I want my money back and I cant do anything because of the restriction. It is my money!!! He of course conveniently didnt email me the transcript of this conversation. I am beyond frustrated.
Product: Debt collection

I applied for a payday loan and I did not use it. However they're saying I owe since I opened the account but did not use it because of the terms. They wanted me to send them money first before I can use the funds and I didn't and requested to close the account. They're some type of foreigners fraudently trying to scam money I don't owe or used.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams
Product: Checking or savings account

Capital One closed my small business checking account without any prior notice. Upon contacting customer service, I was informed that no specific reason could be provided for the closure. Even after the closure, I was only alerted to the issue when my debit card embarrassingly didn't work in front of a client. 

This unexpected action has caused significant disruption to my business operations, as I have numerous outstanding checks and payroll services dependent on this account. 

Additionally, I have yet to receive any information on when I will be issued a check for the nearly {$5000.00} balance that was in my account at the time of closure. This delay is causing considerable financial strain on my business. 

Reference Number : XXXX
Product: Money transfer, virtual currency, or money service

I was searching for potential apartments to move into on XXXX when I came across a 1-bedroom apartment ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) for $ XXXX/month. During the afternoon of XX/XX/2018, I messaged the property manager, XXXX XXXX, through XXXX. At XXXX on XX/XX/XXXX, he sent me an email with more information about the apartment. I asked if I could view the apartment before filling out an application, but he said I could not view the apartment until the current tenant moved out on XX/XX/XXXX. He said for now I could secure the apartment by signing a Lease Agreement and wiring the first month rent ( {$2300.00} ) and security deposit ( {$1500.00} ) to  the Landlord ( XXXX XXXX ). XXXX said when I do view the apartment and decide I do not want it, I will be fully refunded. I emailed him the completed Lease Agreement on XX/XX/XXXX,  and the wired money went through to the Landlord 's BB & T  account on XX/XX/XXXX. He agreed to show me the apartment on XX/XX/XXXX at XXXX. However, on the morning of XX/XX/XXXX, he emailed me saying he could not show me the apartment because his mother just XXXX XXXX with XXXX, and he won't be back until XX/XX/XXXX. Since I currently live in this apartment complex but in a different unit, I decided to go to XXXX XXXX XXXX to see if anyone lives there. At XXXX on XX/XX/XXXX, I knocked on the door of the apartment, and the couple living there answered. They said they are the residents of the apartment and are not planning to move out any time soon. At around XXXX on XX/XX/XXXX, I went to the XXXX XXXX Police Department to report this fraudulent incident.
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 practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective 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 those violations.
Product: Debt collection

Repeated calls from port folio recovery even after being told to stop as well as telling them the person they are calling for is not here ( wrong number )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/Loan Care regarding FHA home loan has been misapplied my monthly payments to " suspense account '' instead of " regular payments '', which we tried very hard to do regular payments despite of financial hardship due to COVID. 

1.Paid XXXX, {$3300.00} was placed in suspense acct, reflected 30 days late 2.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 3.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 4.Paid XXXXXXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 5.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 6.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 7.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 8.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 9.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 10.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 11.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 12.Paid XXXX, payment for XX/XX/2020 {$3400.00} was placed in suspense acct, reflected 30 days late 13.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 14.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 15.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 16.Paid XXXX, payment for XX/XX/2020 {$3500.00} was placed in suspense acct, reflected 30 days late 17.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 18.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 19.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 20.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 21.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 22.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 23.Paid XXXXXXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 24.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late
Product: Debt collection

The credit bureau ( Experian ) has been using and continues to use XXXX claim ( They responded and verified that the disputed information was accurate as reported ) as the sole reason to refuse to correct this incorrect notation of Collection in our credit report. They did that before when we tried to solve it through them, and have done the same on XX/XX/XXXX in response to CFPB report # XXXX. 

This relates to account we had with XXXX tried to get service and billing errors fixed for 22 months. We tried from simple customer support and many other levels including their Office of the President and to one of their CEO. Finally, since we also went regulatory agencies XXXX reported our account to Experian and XXXX incorrectly as Collection without informing us.

We provided many forms of clean indisputable facts to Experian including about : ( 1 ) unlawful acts, violation of consumer laws both of service by XXXX ; ( XXXX ) unlawful acts on financial aspects related to dispute by XXXX ; ( XXXX ) incorrect process of getting Collection entered to our report by Experian attributing to XXXX specifying we owe {$830.00} ; ( XXXX ) Experian, despite we providing ample proof all of these in different order as they happened refusing to remove collection with XXXX says so as a sole reason and against facts to contrary provided by us ; ( XXXX ) subsequently XXXX sent our account to ICSystems for Collection on XX/XX/XXXX ; ( XXXX ) XXXX  dismissed that collection based on facts and determining we should not owe any money to XXXX on XX/XX/XXXX. 

We reported these events subsequent to our original contact to Experian. These are indisputable hard proof of facts we also submitted in case # XXXX we submitted to CFPB for Experian to remove the incorrect Collection notation from our credit report. Hence, of the two parties here, XXXX has every reason to lie ( which they have done ) on this matter probably to mask various blatant consumer and regulatory infractions. 

Since CFPB and Experian have access to those records, we are not providing all of them in this case again. 


CFPB has complete oversight on ( XXXX ) the financial dispute process when we were getting service from XXXX - leaving aside other service violations of XXXX and ( XXXX ) all other collection related actions pertaining to Experian records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting erroneous lates on my credit file. These lates are from the month of XX/XX/20 I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.