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

Complaint Against Discover Bank Issue : Failure to validate debt properly, reporting discrepancies, and potential securitization violations.

Details : 1. Discrepancy in Account Numbers : Discovers correspondence references an account ending in XXXX, but the credit report reflects an account ending in XXXX. This inconsistency raises concerns about whether this is the same account or a duplicate entry. 
This discrepancy violates XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting by furnishers. 
2. Improper Validation of Debt : Discover failed to provide a complete validation of the debt. Their response did not include : An original signed agreement linking my client to the debt. 
Proof of how the balance was calculated, especially the charge-off amount. 
Documentation confirming no third-party securitization of this account, as indicated in their XXXX filing. 
This violates Section XXXX of the Fair Debt Collection Practices Act ( FDCPA ), which requires validation of debt upon request. 
3. Repeated Charge-Offs and Reporting Errors : XXXX reported this account as charged off multiple times over consecutive months and years, inflating the negative impact on my clients credit score.

This constitutes illegal double jeopardy reporting, violating FCRA Section XXXX ( a ). 
4. Potential Securitization : XXXX XXXX SEC filing indicates the possible securitization of accounts. If the debt was securitized, XXXX can not legally collect on the account or continue reporting it as owed, as ownership would have transferred. 

Complaint Against Experian and XXXX Issue : Failure to conduct proper investigations, reporting errors, and potential sham dispute investigations. 

Details : 1. Failure to Investigate Disputes : Both Experian and XXXX failed to investigate disputes thoroughly and instead relied on automated responses. This constitutes a sham investigation, violating FCRA Section XXXX ( a ). 
Recent lawsuits against Experian highlight their systemic failure to handle disputes appropriately. 
XXXX. Inaccurate Reporting : Both bureaus reported conflicting account numbers for the same debt ( XXXX vs. XXXX ), indicating a lack of due diligence in ensuring accuracy, as required under FCRA Section XXXX ( a ). 
Both bureaus also failed to remove the disputed account despite no proper validation from XXXX Bank. 
XXXX. Failure to Note Dispute Status : Despite repeated disputes, the bureaus failed to mark the account as disputed, violating FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Emotional Distress and Financial Harm : Their failure to remove inaccurate and unverifiable information caused significant harm to my client, including denied credit applications and emotional distress.
Product: Payday loan, title loan, or personal loan

Payday loan struggling to pay off and they helped by refinancing and now I have more to pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 an account without my written consent. 
So to start I didnt even receive any notice from the XXXX XXXXXXXX agency regarding this collection. After I checked my credit karma I discovered the collection on my Equifax account. So I called them and I notified them that I had already gotten into contact with XXXX and paid them the amount due so it shouldnt have been sent to collections months ago. Thats when the agent checked the account and said that I did indeed did pay {$80.00} and some change beforehand and asked if I wanted to pay a dollar to close it out completely. So now that its completely resolved I would like this collection deleted from Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a very hard time with Equifax ... no other bureau. Just EQUIFAX. 
Every time I call in and speak to a rep, I get a different story. They are KNOWINGLY reporting incorrect data every month on my report and have been doing so for almost a year. There are accounts reporting XXXX  balances but 120 days past due payment status. Or accounts with XXXX  balances but account status as " collections ''. Clearly these can not be right. The first time I disputed this over a year ago, they verified the BLATANTLY incorrect info with the creditor supposedly ... and just added a statement to my report. I've tried to dispute multiple times since then with no response ( via certified mail and online ). The latest dispute, I made via phone, and instead of deleting or updating the info, they want to open yet another 30 day investigation. Which I think is absurd ... since they've been blasting my credit to smithereens for over a year due to the incorrect reporting. Now they want me to wait yet another 30 days to possibly have the creditor half way look at the details and verify the BLATANTLY incorrect information as accurate. I don't think it's right to continuously report information that you KNOW can't be right ... and then rely on the creditor alone for verification. I've sent them account statements, correspondence from the creditors, etc as documentation ... with no resolution. Meanwhile, my credit is being checked by potential employers and creditors over the past year and getting this WRONG snapshot of my current payment habits. PLEASE DO SOMETHING. After completely sinking my credit for over a year with this inaccurate reporting, the statute of limitations is approaching later this year on these accounts. I requested they be purged from my report 2 months early and got a firm NO. Honestly, it's the least they can do for ignoring the inaccurate reporting of the accounts for over a year. There's been ZERO activity from me on the accounts in the entire 7 years it's been reporting yet it's causing me so much grief. Just delete it. It's clearly wrong and NEGLIGENT to keep reporting it WRONG every single month. 
Also, I can't view my report, submit a dispute or check dispute status online. And when I called in about verifying my identity, the reps tell me they shut down their online support department so now I have to call anytime I want to get a status update or request a new report. Not only do I have to call, I have to speak to someone because their automated system kicks me out every time. Is it even legal to allow such barriers to obtaining MY information to persist? I don't think accessing my information and insuring the accuracy of my report should be this inconvenient, time consuming, and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX has never been 60 days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.
Product: Mortgage

In XXXX XXXX XXXX, I reached out to Rocket Mortgage asking for a loan modification. I received an email detailing what documents were needed. I submitted all of the documents. XX/XX/XXXX and XX/XX/XXXX went by. I tried several times to call Rocket Mortgage, I was unable to reach anyone. I continued calling several times a week, I finally spoke to someone on Tuesday XXXX XXXX. I spoke to XXXX ( I asked for her last name, she said that when I call, anyone can help me ). XXXX confirmed that all of my documents for the modificagtion were received by Rocket Mortgage in XX/XX/XXXX and in XX/XX/XXXX. She also said that it usually takes XXXX days to make a determination. I asked, if that were the case why had it taken three months in my case with NO word at all from Rocket Mortgage. She said that she did not have an answer and adcised me to call back on Friday XX/XX/XXXX and maybe someone could help me. Today I received a XXXX package from Rocket Mortgage requesting that I update all of my paperwork. I want to know why. I feel like they are giving me the runaroiund so thye can start forclosure proceesings against me. This company has failed to help me at all.
Product: Credit reporting or other personal consumer reports

Data Breach and Request for Credit Report I am writing to formally file a complaint regarding the exposure of my personal information due to a data breach. This breach has caused my sensitive data to be exposed and accessed without authorization, which has caused an impact on my credit report and financial standing. 

Under the Fair Credit Reporting Act 15 U.S.C. 1681C-2 I am requesting that all inaccurate, fraudulent, or unauthorized information be removed from my credit report immediately. Specifically, the FCRA mandates credit reporting agencies to block and delete any information resulting from identity theft or fraud upon receipt of a valid request and supporting documentation. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and must investigate any disputes about inaccuracies. If any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed promptly. 

Additionally, under the FCRA 1681N and 1681O, violations of these rights can result in penalties, including damages for non-compliance. I believe these provisions are relevant in my case as the ongoing presence of compromised information on my credit report reflects non-compliance with these federal protections. 

I urge the CFPB to take immediate action to investigate this matter and ensure that the credit reporting agencies involved are held accountable. Please advise me of the next steps required to resolve this issue and protect my rights under federal law. 

FCRA 1681e ( b ) FCRA 1681 I ( a ) ( 5 ) Thank you for your attention to this matter. 

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

On XXXX XXXX I requested to withdraw funds of XXXX ( equal to {$95000.00} US Dollars ) from Coin. Base a cryptocurrency company. They refused and stated I owed them XXXX usdt and they would release the funds. They have used this same tactic to gain additional funds previously. They erroneously claim its payment to the IRS for income. The IRS uses XXXX XXXX to claime income of cryptocurrency. I explained this to Coinbase customer service repeatedly and the continue to refuse my withdraw request. I believe they are attempting to scam me out of my funds. I have numerous photos of the conversations that have taken place with them since I use my cell phone to conduct transactions. The quantity of photos are too numerous to attach. Contact me to provide photo diary.
Product: Credit card

Company : XXXX XXXX : They can not help me with refund request due to a merchant 's unethical and scammy business practice. 

According to XXXX : XXXX XX/XX/year>, XXXX ( XXXX XXXX XXXX ) to me XXXX XXXX, XXXX for replying to us back. 

I would humbly apologize for the situation that has cropped up and trust me, if this was within my authority, I would have taken care of it. 

NOTE : XXXX acts as a platform that enables app developers to reach out to their users. So, when you purchase/install an app on the XXXX XXXX, you're actually making the purchase from the app developer, who is the actual owner of the app. 

Therefore, XXXX expects the app developers to take up responsibility for dealing with issues relating to apps, including assisting users purchase failure issues. 

The situation was - I found out that the application i downloaded and made in-app purchases implements unfair practice in their game that results to a huge disadvantage to its paying customers. 

XXXX said that they can not help me with the refund. I should reach out to the developer of the app for any refund request. 

I reached out to the application developer several times but they are not responding to me. 

According to their contact information shown in the XXXX play site their email is XXXX and their address is Unit D, XXXX Floor, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This doesn't seem to be a XXXX company. 

I asked XXXX for assistance with my refund. They said that my purchases in the app is something they can not refund and that i should reach out to the application developer for refund request. 

I am now stuck and no one can help me refund a total of XXXX USD worth of purchases from Google Pay with a description XXXX * Legend Survival Clash. 

This made me realize that i am not protected, as a user of their platform, to scam and unfair practices of this application developer. 

I am attaching all the email i sent to the developer and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. I hope these disputed accounts are updated. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act of these companies has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ) a cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ [ private ] that appears related to the aforementioned cell phone account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that was settle and paid to XXXX XXXX  in the amount of XXXX paid XX/XX/2024. XXXX XXXX is stating that the debt was not paid and is asking now for XXXX for the same company synchrony bank for XXXX. I asked for validation of debt and to date I have not received an answer.
Product: Credit reporting or other personal consumer reports

Applied through XXXX for XXXX XXXX and Equifax reported a XXXX for credit score. That is so inaccurate and misleading. Along with that it keeps saying there is a public record for reasoning which is NOT on my credit report. They are ruining my credit score! Please help, this is so not fair to portray the wrong numbers and hold people back.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquiries from XXXX XXXX XXXX that i didnt initiate and it is fraudlent and i want it deleted immediately 15 USC 1681B violation furnishing reports in connection with credit transaction not initiated by consumer XX/XX/2021 XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reference too close Case on XXXX XXXXXXXX DID NOT INVESTIGATE NOR TOOK MY DISPUTE FAIRLY I PACIFIC STATED IN THE DISPUTES WHAT WAS ON MY CREDIT REPORT OTHER SELF INCREASE THAT WAS NOT MINE THAT I KEEP DISPUTING AND THEY REFUSING TO TAKE IT OFF MY CREDIT REPORT I ALSO TOLD THEM THAT THIS WAS A DATA BREACH ON THEY END CUZ ALL THE INFORMATION THAT HAS SENT THEM SCREENSHOT THEM UPLOADING THEM AND SENT TO THEM IN PERSON SHOWING WHAT'S ON MY CREDIT REPORT THAT NOT SUPPOSED TO BE ON THERE ON DARK WEB MY SOCIAL SECURITY NUMBER DRIVER 'S LICENSE NUMBER
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting things on my credit report without out my permission, I ask them to show me proof of my signature they cant ever provide me with this information, thats against the law I already file a lawsuit against there company. For lying to me about a bankruptcy and other things they have put on my credit report as well.
Product: Credit card or prepaid card

Comenity Bank/CompanyStore changed status of this account on credit bureau reporting. This account was closed and cancelled back in XX/XX/XXXX.

XX/XX/XXXX credit bureau report has changed the running status from XX/XX/XXXX-XX/XX/XXXX to show ND and OK. The closed date has been unauthorized to move to XX/XX/XXXX.

ACCOUNT was closed in XX/XX/XXXX by consumer. 

Report the account accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$13000.00XXXX XXXX XX/XX/2022
Product: Payday loan, title loan, or personal loan

I took a {$1500.00} loan wasn't aware of the interest charge made XXXX payments of {$280.00} every XXXX weeks paid on time never missed a payment. this totaled {$1700.00}. Called on XX/XX/2023 for payout amount. They told me I need to pay {$1500.00}. I paid it out. They charged me over {$1700.00} interest on a {$1500.00} loan. This is outrageous. Complaining about the high interest. 


Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive an alert of a hard credit pull in my credit report Innmy transUnion today XXXX, I have never authorized or applied for anything from this company XXXX XXXX. 
Inquiry : XXXX. XXXX, XXXX  Personal Services Other Than Medical ( XXXX ) XXXX I have immediately called TransUnion to dispute it directly, they said I have to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts and Inquiries on my report from XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Then there is a Auto Loan from XXXX  XXXX XXXX which states its 30 days late in XXXX  30 days late in XXXX then 60 days late in XXXX which is not even possible
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.