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

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ).

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Debt collection

To start with, in 2012, I opened a checking account with Wells Fargo and when my debit card came in the mail a credit card came as well. However, I do not recall authorizing Wells Fargo to issue me a credit card nor do I recall signing for one. Thus, although I admit to using the card, because I did not sign for the card, then I should not be legally held to the contract. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts. Lastly, the credit limit for the credit card was {$600.00}. Yet, Wells Fargo has charged the card off for {$990.00}. Given these points, I am asking for Wells Fargo to provide me with ( 1 ) proof of contract bearing my signature and ( 2 ) full accounting for the amount claimed to be owed using generally accepted accounting principals.
Product: Debt collection

Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. 

I have attempted to contact XXXX at XXXX and tried to reach via phone.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations of FCRA by TransUnion Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized information on my credit report. Despite my efforts to dispute these entries, TransUnion has not fulfilled its legal obligations to investigate and provide evidence in regard to the reinvestigation. The accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA my consumer rights are in violation of : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : Federal courts have clarified that accounts such as delinquent child support, municipal fines, and statutory debts do not arise from a credit transaction and therefore can not be included on credit reports. TransUnions continued reporting of the XXXX XXXX XXXX account directly violates this section. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers ) : The furnishers of the disputed accounts have failed to provide accurate and verifiable information. TransUnion, as the reporting agency, is responsible for ensuring that only compliant and verified information is reported, which has not occurred in this case. I want the procedures in documentation that was used to verify the accounts listed above. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : TransUnion has not conducted a reasonable investigation of my disputes as required. The FCRA mandates the deletion of unverifiable or inaccurate information, and I have provided sufficient documentation to demonstrate the inaccuracies in these accounts. Also, this issue is not from a human trafficking dispute. I called Transunion and spoke with a representative to remove that from the system. This problem we have here is my consumer rights are being violated, 15 U.S.C. 1681e ( b ) ( Accuracy of Information ) : TransUnion is required to ensure maximum accuracy of the information reported. Continuing to include erroneous accounts on my credit report is a direct violation of this provision. Federal rulings, including XXXX XXXX XXXX XXXX TransUnion LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, explicitly state that non-credit-related accounts like child support obligations and municipal fines can not be reported under the FCRA unless tied to a valid credit transaction. TransUnions notice further acknowledges these rulings.
Product: Credit card

The company XXXX use my credit card for XXXX for 3 months and have all my information I never give them my information or buy their services. I cal them 2 times to explains what was happened and they say that the XXXX will go back to my credit card and all my information will be delete from that company I never received the money back to my account and also start to received a lots of calls and email offering loan and other credit card all this email have my information I never give to any of this companies.
Product: Debt collection

Have informed company repeatedly not to call my prepaid phone ( XXXXmin to receive calls ). They refuse to stop calling, even though I have made payment arrangements. 

In TX, FDCPA applies to first party collectors.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because ( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, thisn account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, thisn account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate incomplete or can not be verified, the consumer reporting agency shall - ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation, and ( II ) promptly notify the furniture of that information that the information has been deleted from the file of the consumer
Product: Credit card

I recieved a " Cash App '' XXXX Debit card in the mail-unsolicited. I called the company and was told to submit information to close the account. I have done so but wanted to report here as well.
Product: Credit reporting

Paid account in full - XXXX XXXX. XXXX reporting bogus balance. Consumer disputed the information with Equifax and received back the results on XXXX/XXXX/2016 that account was verified as paid in full. 
On XXXX XXXX, 2016, XXXX reported a bogus {$500.00} balance to Equifax. Consumer disputed this balance and remembered that Equifax had did an investigation back in XXXX XXXX, 2016, and found this account to be paid in full. I called Equifax and requested an immediate deletion, but both the phone rep and XXXX supervisors stated that XXXX has a right to place a bogus balance and that I would have to wait 30 days for verification, even though Equifax had already verified that the account was paid in full. This is totally illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I have sent letters to the three main credit bureaus XXXX, Equifax  and XXXX. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and XXXX. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.
Product: Mortgage

On XX/XX/2020 XXXX Bank collected a mortgage refinance fee of {$390.00}. Roughly 3 months later there had been no activity on this request. I called in and said that I wanted to withdrawal my application as the process is taking to long and we are thinking of buying new instead of refinancing. They agreed and apologized for the inconvenience. The loan officer, XXXX XXXX told me he would have to get the approval to get the fee reimbursed. He called me soon after and said that he got the approval from his manager. After waiting a couple of weeks, I called back to see what the status was on the refund. At that time I was told that I need to apply that reimbursement to the new loan application. I pushed back as that was not what I was told. XXXX apologized and said he would go back to his management to get clarification on this. He went silent at that point. I followed up several times via email to get a status update on this. I had canceled my application with them based on the fact they said they would reimburse the application fee. I then spoke with XXXX XXXX in the Office of the President, who also confirmed that if we told you something we will make it right. I am now being told that they didn't find a recorded phone call with this information. I have the name of the individual ( XXXX XXXX XXXX, who told me via phone that they would reimburse me this fee via check. The complaint office says they do not do reimbursements on application fees. I was lied to, made decisions based on those lies, and now am in the hole {$390.00} and several hours of disputing this with XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of my disputes, particularly in light of the recent 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I receive calls at least once a day from Diversified Consultants , Inc. trying to collect a debt that has been discharged in bankruptcy. I consider this intentional harassment, as they know, since the debt has been discharged in bankruptcy, they are absolutely not entitled to collect on it.
Product: Credit card

JPMorgan Chase Bank , N.A . ( " Chase '' ) unilaterally terminated my banking relationship by closing all my accounts, including checking and credit card accounts, without prior notice or justification. This abrupt action resulted in the immediate suspension of my online banking access, thereby preventing me from monitoring account balances, recent transactions, or payment statuses. I had previously established automatic payments for my credit card accounts, ensuring full payment each month from my Chase checking account. Due to the account closures, these automatic payments were not processed, leading to missed payments. Upon contacting Chase 's customer service multiple times, I was informed that no further information could be provided, nor could my account access be restored.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, initiated this dispute because my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated. I personally authorized this dispute, and it was not submitted through any unauthorized third party or " credit clinic. '' The violations are serious and include the following : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without proper verification, which constitutes willful noncompliance and carries penalties of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of the sharing of personal information was not disclosed, an omission that is both deceptive and unlawful.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, violating Generally Accepted Accounting Principles ( GAAP ) and misleading creditors.

Violation of the Debt Collection Practices Act : My credit report includes inaccurate debts and accounts reported without my consent, which caused distress and unwanted contact from creditors.

Disclosure of Debt to Third Parties : Debt collectors shared my personal information with third-party credit reporting agencies, violating regulations that prohibit disclosing debt information to others.

Reporting Undefined " Late Payments '' : My credit report lists " late payments '' without a clear definition, which is both deceptive and inaccurate.

Improper Finance Charge Determination : Finance charges were miscalculated, failing to meet the responsibilities required of a credit reporting agency.

Violating Permissible Purposes for Reporting ( FCRA Section 1681b ) : Credit report information was shared without my written consent, in direct violation of permissible purposes outlined by the FCRA.

I have identified specific inaccuracies in my credit report and outlined my demands for resolution, including : Correcting or deleting inaccurate personal information.

Updating accounts with late payments to reflect " paid as agreed, never late. '' Validating debts according to 15 U.S.C. 1692g and deleting unverifiable accounts.

Removing unauthorized hard inquiries from my credit report.

I have cited legal precedents, such as XXXX XXXX XXXX XXXX XXXX, to emphasize your obligations to validate debts or delete false information promptly.

These issues have caused significant harm to my creditworthiness and peace of mind. I expect immediate corrective action and a prompt response. Should these violations remain unaddressed, I will explore legal remedies available under the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

They do not consider my request or evidence even when Ive been cleared once, how many times do I have to keep going through this its becoming insanity and for this ( {$110.00} ) random amount appeared on my credit report not knowing what this is referring to as I have already a XXXX account and have been talking with the executive board members and one of them apologized gave a letter after giving my support for investigating this matter as I keep frequently random accounts opening or new addresses being made, etc yet Im still not getting the help I need and asked for dozens of times. Im being led down a path where its affecting me tremendously and causing a a distraction from work, school and getting a better position. I would like to prosecute the credit bureaus and any not legitimate accounts that continues to keep reporting negatively about me on my credit report especially when its not mine. I should not have to be going through this and keep providing evidence again, again and again. I disputed this when it came to my attention roughly XX/XX/XXXX, and again in XXXX. Ive had missing mail, opened mail, stolen SSN and IDs bank accounts and cards, XXXX countless of times because of my XXXX not abiding XXXX request on fixing my garage. All paper notifications I get I keep and will use this information to help determine whos at fault and seek reputable damages and any compensations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, have 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 agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on Transunion credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I requested information on this on this and XXXX XXXX XXXX, XXXX responded that they didn't have the information on this account. Please see attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I dont recognize and are fraudulent. My social security number was stolen and used to get loans and tried to get vehicles.
Product: Checking or savings account

I am XXXX and I feel that I am being mistreated possibly based on those facts. An UNAUTHORIZED deposit by an UNKNOWN source was attempted to be deposited was made on my account when I became aware I contacted the bank and informed them of this unauthorized activity and I was told That I have protections in place in that my accounts would not suffer any freezes or accounts closures In that my account was in good standing While I initiated a investigation with the correct department on the situation, suddenly and without notification within hours my account had been frozen my card had been deactivated and my personal funds were frozen in the account that had nothing to do with the said Unauthorized transaction. In response to this a senior representative opened a new account with a new card and new online access to set up direct deposit and bill pay and transfer my funds to my newly created uncompromised Account so that I could rest assured that no further unauthorized activity would occur. since this closure I have been belittled, threatened and intimidated by this small back office called account closure and have made numerous complaints about these tactics they have utilized saying things like " they are XXXX and I am beneath them and there is no one to pray to for help '' promising to make sure that criminal charges are filed and that I will never in the future have an active account anywhere else and that my business was not and never was wanted. They even went as far as to say they have made a decision before any facts of the investigation have come to exonerate me as a vigilant consumer whose only falt was to report suspicious activity as is outlined by the terms and conditions that I had signed with Bank Of America ... Numerous senior representatives were shocked and flabbergasted as well as disappointed in this behavior and offered any assistance they could after seeing that I was transferred to 15 different people in the same day in the same department and suggested that I take this route to make sure my standing with this institution is redeemed and my banking future is secured
Product: Credit card

I was temporarily XXXX and hired a personal driver wo ended up spending {$9300.00} on my XXXX Bank of America which i provided complete detail including the driver 's name, address and SSN #. BofA claims that the charges were legitimate which they were not. 

I've gone to VA Attorney General and he directerd me to you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX BANK Account # XXXX 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 a account without my written instructions.