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

On XXXX, I disputed XXXX finance account with Experian, asserting that the information being reported was inaccurate as it is not my account. Despite my request, Experian failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and failed to ensure that the information reported on my credit file was accurate as required by 15 U.S.C. 1681e ( b ).

Applicable Legal Standards Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed items within 30 days of receiving a dispute.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

15 U.S.C. 1681c ( a ) ( 5 ) : If disputed information can not be verified, it must be removed from the consumers credit file promptly. 

Experians Violation Experians failure to adequately verify the XXXX account violates these provisions of the FCRA. Despite my dispute, Experian has continued to report the XXXX information, which suggests that no reasonable investigation was conducted. This failure to act in accordance with the law is unacceptable. 
The presence of this inaccurate information on my credit report has caused significant harm to my financial stability and personal life, including : Adverse credit decisions : Denials or higher interest rates for loans, credit cards, and other financial opportunities. 
Emotional distress : Stress, XXXX, and a loss of trust in credit reporting systems. 
Financial harm : Missed opportunities for lower interest rates on financial products, which has unnecessarily increased my financial burden. I have attached my license, my ID, a bill, my police report AND my identity theft report. I've also sent in verifying information previously! It never gets handled.
Product: Debt collection

I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE XXXX CAR LOANS FROM THE SAME COMPANY XXXX THAT IS CHARGED OF WITH ABALANCE OF XXXX AND XXXX THAT IS CURRENTLY THAT I 'M CURRENTLY DRIVING ACCT # XXXX. THE CAR DEALER HAS REPORTED A CAR LOAN THAT I 'M NOT DRIVING OR AGREED TO PAY FOR WEST LAKE FINANCIAL ACCT # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Antelope, XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Resolution Department, I am writing to formally dispute inaccurate information reported on my credit report associated with my account. I have previously reached out via your online portal and through other communication means regarding this matter ; however, the inaccuracies persist. My report continues to reflect erroneous entries that I believe are detrimental to my financial reputation.

In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlighted ongoing issues related to the accuracy of credit reporting, I felt compelled to escalate my grievances directly to your department. It is concerning to note that the patterns identified in that lawsuit, including inadequate investigation responses and failure to remove inaccurate information, mirror my experiences.

Specifically, the inaccurate items I wish to dispute include : XXXX XXXX  [ Describe the first inaccurate item, including the account number and the nature of the inaccuracy ] XXXX XXXX XXXX XXXX Describe the second inaccurate item, including the account number and the nature of the inaccuracy XXXX XXXX XXXX XXXX [ Continue, if necessary, with further inaccuracies ] XXXX I have attached copies of relevant documents that support my dispute, including any correspondences, statements, or documentation that substantiate my claims. 

As outlined in the Fair Credit Reporting Act, I expect a thorough investigation of my disputes within the 30-day timeframe mandated by law. Furthermore, I trust that Experian will take this opportunity to reinforce its commitment to providing accurate credit data in accordance with federal regulations and in light of the CFPB 's findings.

Please confirm receipt of this letter, and I request that you provide me with the results of your investigation, as well as an updated copy of my credit report reflecting any corrections made.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company is still contacting me even though I have told them to cease all communication pursuant to 15 U.S. Code 1692c. They had decided to " honor '' my request but still continue to contact me indirectly via credit reporting. This is a clear violation of the fair debt collection practices act. This acts states that a debt collector can not communicate with a consumer directly or indirectly through ANY medium. Credit reporting is an indirect medium that this company is choosing to indirectly communicate with me. Additionally, I did not endorse any contract with this company and I demand proof that I did endorse it and that this company, Radius Global Solutions, also endorsed it pursuant to Uniform Commercial Code 3-203. If they can not provide proof, I demand justice. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a small debt on my credit report that I did not make. I do not even have an XXXX XXXX. I called and talked with XXXX and they agreed that it was fraud and credited the debt. This is still showing up on my report and my score dropped over 60 points because of this XXXX. I want this debt and this negative credit rating removed immediately from my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( XXXX  and XXXX ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true
Product: Credit reporting, credit repair services, or other personal consumer reports

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX BANK - Acct XXXX XXXX
Product: Checking or savings account

I signed up for a savings account with Ally Bank and at the time they were offering a cash bonus if you put enough money in the account. I did that and over a month after the bonus was supposed to come still nothing. I didnt take out more than I invested initially and I followed the rules right on their website and even their FAQ. If there was any rules I didnt follow they were hidden and not even their customer support could find them to give me documentation of what I did wrong. They were just searching for a reason to justify themselves for not giving it to me even after I directed them to their own website showing that I did everything right.
Product: Checking or savings account

On XX/XX/2023 I was alerted of multiple obvious fraudulent charges ; 15 bogus unauthorized transactions from a salad bar in Florida ; a different state than California which I reside. 
The card is in my possession but has been reissued since the fraudulent transactions has been committed. An impersonator from the Navy Federal Credit Union fraud dept. called and pretended to be informing me of fraudulent charges inquiring about my debit card info. and had me reset my pin # and online banking so I guess they were committing fraud and accessing my checking and transferring money from my savings account during and after the call. They told me they would give me a call back in a few hours once everything was reset but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a derogatory mark listed on my credit report from XXXX XXXX XXXX. The account shows closed but XXXX XXXX XXXX has requested its removal from my report and Experian has failed to do so after several months and gas claimed information is accurate in dispute investigation. A thorough investigation would show that the creditor requested it be closed and removed and therefore the information can not be 100 % accurate if it is not supposed to be on my report to begin with. I am submitting the response from XXXX XXXX XXXX on the matter through a CFPB complaint/investigation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TRANSUNION for specific violations of my rights under the Fair Credit Report Act 623 A3, AC, and the Fair Debt Collection Practice Act 807 ( 8 ). 

These violations include the Failure to correctly enter a notice of dispute onto a consumer 's credit profile within 30 days of receiving I am filing a formal complaint against TransUnion for clear violations of my rights under the Fair Credit Reporting Act 623 A3, AC, and the Fair Debt Collection Practices Act 807 ( 8 ). 

In XX/XX/2024, I reviewed a consumer credit profile published by TransUnion and noticed several errors. I immediately disputed the errors directly with TransUnion, expecting that the published information would be promptly investigated and corrected. 

Specific errors : XXXX XXXX XXXX- XXXX  days Late XXXX XXXX XXXX- Inaccurate information I reviewed my credit profile again in XXXX and found the errors remained, with no indication or notice that the items were under dispute. 
This is in clear violation of Fair Credit Report Act 623 A3, AC, and the Fair Debt Collection Practice Act 807 ( 8 ).

Attached you will find : 1. A copy of my dispute letter to TransUnion with XXXX certification receipt. 
XXXX. XXXX Tracking information.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelle 's handling of disputes, particularly in light of cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With Transunion And XXXX. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 15 U.S.C 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - Experian, XXXX and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that dont belong to me. I dont recognize them, nor did I authorize them. Can you please delete and block the following fraudlent information from my credit report. I sent in my Identity theft documents consisting of my FTC report, Section 605B of the FCRA. See attached documents. They never removed the fraudulent account from my credit report. I have provided proof showing that this account is fraudulent and that I'm fraud victim. This is a fraudulent account and it doesn't belong to me!!
Product: Credit reporting

As per attached Registered letter to Experian, I have, since XXXX 2015, complained that several entries are not mine, and requested an investigation. Experian has failed to execute an investigation. CFPB should compel this renegade credit reporting agency, or I will do it via a Court here in California.
Product: Checking or savings account

Myself and my husband had two accounts in wells fargo, one checking and one saving, we currently live in XXXX and never use our ATM card outside USA. In XX/XX/XXXX we had a balance of {$4500.00} in our checking account and {$2700.00}. 
In XX/XX/XXXX, I received a notification that my accounts has insufficient funds, so we call the bank and we reported that we didn't do any withdrawals or payments and that our account had fraudulent withdrawals. We had been calling the bank multiple times since XX/XX/XXXX and we haven't had any answer about our money. 
We set up an appointment on XX/XX/XXXX, to the branch in XXXX XXXX, CA, to do the claim in person but unfortunately we couldn't attend because COVID19, the XXXX XXXX border was closed for tourist. I was able to go in person until XX/XX/XXXX, and the Person in the bank told me that the claim had to be done in a period of 3 months, I did cancel all my ATM cards on that period but they said they can find any reports on their system. After several attempts, calls, and visits Wells Fargo closed our accounts and they refuse to give us our money back.
Product: Debt collection

I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I received a text asking if I had authorized a zelle transaction with usaa. I responded no and a follow up text responded saying a rep would be in contact with me shortly. I then received a call that caller ID labeled as usaa and even mimicked usaa 's number. The caller stated they were from Usaa and that they needed to send codes in order to reverse the transactions. They first sent me a link to log into my account and then I began receiving codes through text. Once I realized what was going on they had already attempted to transfer funds from my linked XXXX Bank account. I hung up and called USAA immediately and filed a fraud claim. I also issued a stop pay for the amount of XXXX with XXXX Bank which is what they attempted to take. USAA was unable to stop the zelle wire so now my account went into the negative XXXX XXXX. I transferred what was left in my USAA account, prior to the wire charging back to my usaa account, into my united bank account so that I at least had access to my money through united bank while usaa resolved the fraud, however because I did that now usaa is stating that the XXXX wire is valid. My account is now over XXXX in the negative and I lost a pay check to the negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm sending you a complaint today to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. Here is a list of the accounts that don't belong to me or that weren't opened with my consent XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1500.00} XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my personal data was exposed in a data breach with XXXX  where I am currently seeking damages. I am attaching supporting documents.
Product: Credit card or prepaid card

Dear Sir or Madam, I have been an AMEX cardholder since XXXX. After receiving numerous mail, email and over the phone offers to upgrade my American Express Gold Card to an American Express Platinum Card, I finally decided to do so on or about XX/XX/XXXX. My understanding from the phone call was that I would receive XXXX points after spending {$5000.00} within 3 months and that I would have the card a year from the date I applied. I was also under the impression that I could cancel anytime without penalty and definitely within 90 days and just go back to the Gold Card. ( From my recollection, it was sold to me as a pro-rated or even discounted 90 day trial offer. ) I am a well-educated person, who does ask questions. However, American Express failed to adequately disclose its draconian terms and conditions at the time of application. 

Today, I received a bill assessing me an annual fee. After numerous waits and discussions with at least XXXX supervisor, multiple departments, I learned the following : 1. The anniversary date is the date is from the date I originally applied for the Gold Card, which is in XXXX not XXXX, so I only have the card for 10 months and 12. If I had known that, I never would have applied for the card through this offer. Friends with similar credit ratings and incomes, etc. received a much higher points promotion ( XXXX points promotion ) through applying for a separate card. I would have preferred to do that. 

2. With the retentions department, I learned for the first time, if I cancelled the card, since I hadn't the held card, a full-year, I would have to give back the XXXX points. So essentially under this promotion, it was unduly coercive. They would bill the whole annual fee of {$550.00} ( a significant amount of money ) after 10 months but I had to hold the card, a full year to receive the promotional benefits. This should have been clearly disclosed. I never would have upgraded under these known terms and conditions. 

3. Again with the retentions department, which took me about 40 minutes before I could be transferred there on the grounds that they are busy ( again, seems odd for a {$550.00} a year annual fee ), If I pay my annual fee and then cancel on XX/XX/XXXX, I can receive a prorated refund but ONLY IF I downgrade to another card. I should be able to get a prorated refund on the annual fee regardless of whether I downgrade to another card, given that AMEX is essentially making me hold the card for approximately 2 months or more to retain the XXXX points. 

Again, the obvious drawbacks should have been disclosed clearly. It was material information that the card would run only 10 months but that I would need to hold the card 12 months to receive the benefits. 

I spoke with the following individuals who wouldn't/could n't provide their last names. 

XXXX Identifying # XXXX XXXX XXXX Please also note that AMEX has clawed back some of the benefits of the card since I have been a cardholder such as the lounge benefits by provided no corresponding discount to its cardholders.