23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 XXXX 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 a my file at XXXX is 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 items 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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 


Inquiries XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX DEPT OF ED - XX/XX/year> XXXX Personal Information Name : XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PROFES Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting a bankruptcy on my credit profile. Transunion stated that the bankruptcy was verified through the XXXX XXXX XXXX XXXX XXXX.I contacted the clerk of courts and they informed me that they do not share information with credit reporting agencies. This is false information and Transunion has yet to delete the bankruptcy from my credit profile.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am a Barclaycard JetBlue customer ( card # XXXX ) On XX/XX/XXXX I received a promotional balance transfer offer from Barclaycard JetBlue credit card services. I am a current credit card owner. I decided to take advantage of the 0 % APR until XX/XX/XXXX and completed the information for a balance transfer ACH in to my Chase checking account. On XX/XX/XXXX I logged in to my Barclays Jet blue account and saw they charged me the balance transfer fee and {$16000.00} balance transfer ; however it did not appear in my XXXX checking account. I waited and waited; finally on XX/XX/XXXX I had enough and called Barclaycard jet blue customer service at XXXX at XXXX XXXX. From my phone number XXXX. The customer rep was friendly but did not seem to understand what was going on and stated she filed a claim and it would take about 7 days for it to get resolved. ( CLAIM # XXXX ). I was upset but decided to wait. On XX/XX/XXXX there was no update so I called again XXXX at XXXX ET. The rep now told me it would take XXXX billing cycles. Which is completely unacceptable! I was extremely upset. I then filed a complaint to Barclaycard XXXX from their online Portal explaining all this and they stated the same it would take XXXX billing cycles to resolve. 

How is this legal?! They deducted the money from my account on XX/XX/XXXX and charged me the {$480.00} fee and on top of that are going to makee wait potentially until XXXX to get this resolved?! That is unacceptable. They are literally STEALING my money and using it for those 3 months. I am on the verge of taking legal action and filing a lawsuit if this doesn't get resolved immediately. How does it take 2 days to deduct and charge me the fee but a potential XXXX days from when you charge my account to get this resolved?! That is extremely Ludacris and unacceptable, especially during a covid time era where the point on doing this was to save money on paying off balances. Now I am missing out on a potential 3 months of saving interest from paying off other loans that I was going to pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from CPS Community and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and Experian and XXXX keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.
Product: Checking or savings account

Hi, I had a certificate of deposit ( CD ) with Bank of America that expired on XXXX XX/XX/year>. I called in a week earlier, leaving the instruction to the bank to transfer the balance ( {$30000.00} ) to my current account upon maturity. The staff confirmed with me that the standing instruction was put forward and it will be carried out as I have instructed. 

However, I still have not received the balance after waiting for more than a week after the maturity date. So, I called Bank of America and enquired about the status. They told me that the instruction was still pending, and sent in another request on XXXX XXXX. Nevertheless, I have been making several calls every few days to check the status of the transfer, but the transaction was still pending and not processed. 

As of today ( XXXX XXXX ), more than XXXX weeks have passed since the maturity date of my CD, and I still haven't received the balance in my bank account, and the staff in Bank of America could not give me a satisfactory answer why it hasn't been processed. They told me to wait for a few days and called back. I have repeated waited and called back ( I made XXXX phone calls ) in total. 

I am currently stranded. Not only I am waiting for the money to pay for important bills and daily expenses, I am also losing money on the interest. I hope CFPB can look into this matter and protect the consumers right.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX/2015
Product: Vehicle loan or lease

i called them and even though my car is 100 % paid off they claim because I am in XXXX XXXX bankruptcy they wont release the title till the end of my bankruptcy which is XXXX years from now. i dont think i should have to wait till then when the loan has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have medical records on my consumer report which is a violation according to the fair credit reporting act. The company is medical data systems. inc.
Product: Credit card or prepaid card

I closed my account and yet this company is send me statements saying I am late in paying my annual fee on a closed account. This account was closed last year but they failed to close and I had to call again. They stated they would reverse the charge that it now affecting my credit report
Product: Credit reporting or other personal consumer reports

I want to emphasize that payments have never been late on my XXXX XXXX and XXXX XXXX XXXX credit card accounts. The negative payment status and history listed on these accounts are simply incorrect. Despite making five attempts, Experian has refused to correct the status on my credit report and to provide all statements showing the exact past due amount of any missed payments and the exact date that these accounts became negative. It's important to note that these negative payment items do not appear on my XXXX and XXXX credit reports.
Product: Debt collection

A company doing business under the name, LVNV Funding LLC, using an account number XXXX, that is associated with my name and social security number, has recently been removed from from my credit report ( s ) as a collection for the amount of $ XXXX dollars. 
They are now reporting AGAIN for the amount of {$450.00} dollars. The report says the account was opened on XX/XX/year>. 
I demand this company provide any documentation that has my signature, authorizing any credit to be utilized in my name. If they can not provide such documentaion that clearly shows that I authorized them to issue credit in my name, I further demand that they remove ALL negative reporting from all credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S. Code 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CBNA  XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Opting Out pf Authorization for Information Sharing Under 15 USC 6802 Dear : CBNA  ACCT XXXX I hope this letter finds you well. I am writing to inform you pf my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bailey Act ( GLBA ) regarding the sharing of my nonpublic personal information.

As a federally protected consumer, I hereby formally opt out of any and all authorizations whether written, unwritten, verbal, non-verbal that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose.

I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties particularly for marketing or other purposes not directly related to the financial services I have with your institution.

Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request.

If you have any questions or require further information to process my request, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and your commitment to respect my privacy rights under the federal law. 

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

XXXX XXXX tried to pull a credit report from equifax and there was no respnse from equifax.there seems to be some kind of issue that is not taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}
Product: Credit card or prepaid card

Placed an order with merchant XXXX XXXX online XX/XX/XXXX. Order number XXXX. 

The order consisted of two items : 1. XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX qty. XXXX ( {$490.00} ) 2. XXXXXXXX XXXX XXXX, XXXX, # XXXX, qty. XXXX ( {$640.00} ) Merchandise total : {$1400.00} I returned both items to the merchant in XXXX of XXXX. 

I contacted Capital One in XXXX ( XXXX ) to explain that I had returned the merchandise in XXXX ( XXXX ) and should not be billed. The balance was removed from my account, however I was charged a {$29.00} late fee. I paid the late fee in an effort to mitigate the error and prevent it from impacting my credit. Details of the return and transaction numbers are provided. 

Item # XXXX ( XXXX XXXX XXXX  ) Returned to XXXX XXXX, located at the Shops at XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX on XX/XX/XXXX. 
Transaction # XXXX. 
A credit of {$600.00} was provided ( in store by the clerk ) with a receipt indicating a credit to my XXXX XXXX Capital One credit card ( # XXXX ). 

Item # XXXX ( XXXX XXXX XXXX  ) Per XXXX XXXX furniture must be returned via the contracted logistics carrier, XXXX ( phone number XXXX ). The desk was picked up from my home address by XXXX on XX/XX/XXXX, at XXXXXXXX XXXX XXXX shipped the desk to XXXX XXXX ( as a return ) on XX/XX/XXXX. 

Contacted XXXX on XX/XX/XXXX, to confirm return. The carrier confirmed they had picked up the desk from my home on XX/XX/XXXX. XXXX also confirmed that the desk had been shipped back to XXXX XXXX ( from XXXX ) on XX/XX/XXXX. 

Received letter from Capital One dated XX/XX/XXXX that I owe an outstanding balance of {$1400.00} ( case number XXXX ) as a result of not returning the merchandise. 

Contacted the merchant ( XXXX XXXX ) on XX/XX/XXXX, regarding letter received from Capital One indicating I owed {$1400.00} for merchandise that had not been returned. The XXXX XXXX agent confirmed that the XXXX XXXX XXXX  ( item # XXXX ) had been returned and credited ( on XX/XX/XXXX, transaction # XXXX ). Stated it was weird that Capital One was trying to charge me for the chair now almost XXXX months since it had been returned. 

The XXXX XXXX agent also confirmed that the desk ( item # XXXX ) had been returned, however the paperwork on their end ( merchant ) had not been completed as the desk was in transit from the logistics carrier. The agent completed processing the return and provided the return transaction # XXXX. 

I have contacted Capital One on numerous occasions ( since XX/XX/XXXX ) regarding this issue and am appalled with the lack of customer service and blatant inability to rectify this error. My credit has been negatively impacted by the failure of Capital One to resolve and I have paid a late fee of {$29.00}. I have filed disputes with the credit agencies to amend my credit report and am reporting to the Consumer Financial Protection Bureau in an effort to prevent this from occurring to others in the future.
Product: Mortgage

All of this started when I enrolled in college so that I can have a career that involves me helping others, especially children. I was not working during school and got divorced while in school. Financially dependent on my ex-husband, I was unable to pay my own bills for years and was constantly falling behind. I graduated in XXXX, yet it took a year for someone to hire me. I became a XXXX at XXXX XXXX XXXX in XX/XX/XXXX, and I made the decision to get my financial freedom back. I was aware that it would take time, and I was working slowly but surely to get there. Then, in XXXX, my car broke down. 
My car broke down on my way to work in a different county from where I live, and one of my bosses came and picked up my son and I from the side of the road. My motor had locked up because I had an oil leak. To get a reliable car, I had to give {$2000.00} as a down payment, which was the cause of me not paying my mortgage at that time. I had to decide to either pay my mortgage and lose my new XXXX job due to no transportation, which would cause me to still lose my house or purchase a more reliable car and pay mt mortgage with my next paycheck. Therefore, I attempted to resolve my past due account by increasing payment amounts ( and making additional payments as well ). However, when I made a payment of {$1000.00} on XX/XX/XXXX and an additional payment of {$250.00} on XX/XX/XXXX, my payments were refused by the mortgage company, and I received letters weeks later from XXXX XXXX informing me to come pick up the payments I had made. At that time, I had not received any letters from M & T stating that my home was in foreclosure, and I was told about the foreclosure by the representative when I called the company to inquire about why my payments were refused.The letter from the mortgage company reached me after all of this took place. At that time, I was behind no more than {$3000.00} and could have caught up my mortgage had the company not refused payments. My purchase price was {$90000.00}, and I owe less than {$60000.00} on my home, which is worth way more than {$60000.00}, and it would benefit the mortgage company more to foreclose and resell than allow me to catch up payments on a home I have lived in and maintained since XXXX. 
The company sent an application for me to fill out for a workout plan, which put a hold on the foreclosure until a decision could be made, but they turned me down, and I received that letter on the XXXX although the date of the letter is the XXXX. I was given until the XXXX to file an appeal, which I did and mailed it out today through priority mail. I really do not understand why the mortgage company is unwilling to work with me when they know my history because I have had to explain it in requested letters, and I have sent in every document they have asked me to send in and showed every ounce of desire to do what it takes to keep my home. I have been here 15 years. My children grew up here, and honestly, I would like to remain here until my death.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Equifax 's credit report : XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA.

Sincerely, XXXX XXXX