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

I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently responds within 24 hours stating that the account is accurate without providing evidence of a thorough investigation of disputes. This practice violates the fair credit reporting act. ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 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 actions to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I recently acquired a construction loan from Sandy Spring Bank. I have had two issues with them. 

1. My closing date was XX/XX/XXXX and they didn't provide my closing disclosure until XX/XX/XXXX. The CFPB requires lenders to give borrowers three business days to thoroughly review the Closing Disclosure. I was given less than one business day.

2. For my payment due XX/XX/XXXX, Sandy Spring Bank has inexplicably raised my monthly payment. My closing disclosure clearly states my monthly payment for the first year of my loan ; they are reporting that I owe {$700.00} more than what's stated on my closing disclosure. When I reached out to Sandy Spring, I was told that it was due to funding draw on the construction loan, but they offered no further explanation or calculation. 

I am uploading an email fromXX/XX/XXXX when they sent my CD, a copy of my signed CD dated XX/XX/XXXX, and a PDF from the Sandy Spring website showing my XX/XX/XXXX payment.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX is in clear violation of my rights as a consumer. they failed to uphold consumer laws, regulations, practices, agreements an or obligations as outline in XXXX XXXX XXXX permissible purpose of the consumer ( XXXX ) exclusion clearly states ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

i did not give written instructions to furnish this account on my credit. 
i did not sign or consent to any disclosures to share my personal information, or given the opportunity to opt out of any such as the XXXX XXXX XXXX XXXX that would allow carmax to explain their information sharing practices to their customers and to safeguard sensitive data. 

carmax requested a down payment for charges that should have been included in the finance charge. i didn't have a option for gap insurance as i was told it wasn't offered to me, i was not told my i CAR insurance can or should be inside the finance, and that any such option exist the law says XXXX XXXX XXXX the amount of finance charge in connection to any consumer credit transaction should be the SUM OF ALL CHARGES. it also states the finance charge does not include charges of a type payable in a comparable CASH TRANSACTION. 


carmax has displayed misleading tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to investigate these accounts : XXXX XXXX {$13.00}, XXXX ; XXXX XXXX  {$3400.00} ; XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX  {$500.00} ; XXXX XXXX {$3600.00} ; XXXX XXXX {$1400.00} ; XXXX XXXX {$810.00} ; XXXX XXXX XXXX {$520.00} ; XXXX XXXX  {$540.00} ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

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

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years.

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

One Main Financial did a soft pull online XX/XX/year> then was informed that I am denied via online notification it stated clearly that it would not affect my credit. I called and spoke with a lady in XX/XX/year> and she told me that they do not show it was ran as a hard inquiry she then told me it would fall off. I informed her that it will need to be removed or I will report this as it is not accurate. She told me again that she was in the Nebraska office and would submit a removal and I now see that she again ran my credit a second inquiry is now listed on the date I called complaining. Please remove this as when you go online to one main financial it clearly states it will not affect your credit. I am afraid to call again as I may receive the same lady and she may run another inquiry on my credit, please remove this from my credit report. Contacting the company directly did not help and only made another inquiry appear on my credit report. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 items 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: Prepaid card

I have virtual prepaid cards attached to my myprepaidcenter profile, I have a lot of cards totaling more than {$1500.00} with short expiration dates. My profile email is XXXX Around XX/XX/2024, I started having problem logging into my profile at myprepaidcenter.com, I waited a day and tried again and got the error to please try agian later. I called myprepaidcenter support on the phone on XX/XX/XXXX, they had me try troubleshooting steps like clearing cookies, changing browsers, devices and networks, I have tried everything but the issue was not fixed. 
I called back XX/XX/XXXX, and the customer representative open a case. The Case number is XXXX. 
I got an email on XX/XX/XXXX that the case was resolved, but it wasn't so I replied with a screenshot showing the error, the case was reopened. Even since that I have multiple emails over the past two weeks asking for an update and a resolution but no update or resolution is given, just the same cope/pasted we are working on it email reply. I even called for an update, the support agent was nice but gave me the same reply as the email, said that the backend can not be contacted and that they will reach out but they have not reached. 

This is straight stealing, but locking me out of my profile, they are not allowing me to get the card numbers to be able to spend the money on the prepaid cards which have short expiration dates, if they expire I lose the funds. 
Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO DISPUTE WITHTHE COLLECTION AGENCY " CREDIT MANAGEMENT CONTROL '' & " XXXX '' TO GET FRAUDULENT ACCOUNTS DELETED FROM MY CREDIT. THEY HAVE FAILED TO RESPOND AND FIX THE ISSUE. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT AND POLICE REPORT. CREDIT MANAGEMENT CONTROL HOLDS 3 COLLECTION ACCOUNTS AS FAR AS I SEE ON MY CREDIT. XXXX WITH ONE ACCOUNT ON MY CREDIT. ALL MUST BE DELETED ASAP.
Product: Credit reporting or other personal consumer reports

The credit reporting agency is reporting an undeliverable address. The addresses are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I reinvestigated my credit report, I discovered that some of the accounts were erroneous. The 3 credit bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting supporting documentation to have three fraudulent accounts removed from my Equifax Credit Report, which Equifax is clearly in violation of the U.S. Constitution and HJR 1902. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. Equifax, Ignorance of the law is no excuse. I have shown you and you have been put on notice that you are reporting inaccurate and fraudulent information. The continued reporting of this inaccurate and fraudulent information is a clear violation of the Law 15 USC 1681 s-2 and HJR 192 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate and fraudulent reporting. This is my 3rd time and final attempt to correct this matter before I take this to court a file a lawsuit to seek damages for not comply with the FCRA and HJR of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.
Product: Checking or savings account

On XX/XX/year>, Capital One sent an email at XXXX XXXX  Est. that the third party vendor was having technical issues and could not release direct deposits. On XX/XX/year>, no direct deposit has been made into my account. Today is my payday and I am unable to pay bills or purchase groceries. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. 
The Fair Credit Reporting Act ( FCRA ), a federal law, promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 
In my right to exercise these practices correctly and transparently, I request please remove these inquiries from my credit report immediately since the information is inaccurate and not reliable. I didn't give this company authorization to access my credit report. 
This company name on the sequence is pull my credit without my knowledge : 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 In the year XXXX, I disputed several requests that were in my credit report and I did not recognize them. When requesting my annual report this year, I see that nothing has changed, there are even more errors in my personal information than before, which I am already in the process of disputing. 
I decided to call on XX/XX/XXXX and XX/XX/XXXX Every company that has pulled my credit and I can talk to just XXXX because the other XXXX don't have the authorization to give that information in a phone call so I asked how I know that information that I have the right to know. And they even have an idea.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past  years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.
Product: Checking or savings account

An authorized payment to my credit card were deducted from my available balance on XX/XX/19 and XX/XX/19. Which also had the funds to cover the payments. However the next day the transactions on the list were rearranged in an order to where the credit card payment deducted on XX/XX/XXXX was reversed and a NSF assessed to it as well. I contacted my bank and they were unwilling to do anything or offer a logical explanation. I have the statements to show and validate my claim. My overall complaint is they rearranged the transactions then reversed a transaction already covered by a positive balance. Then reversed it and assessed an NSF fee to be able to distribute the payment to other transactions to cover them. The bank is PNC. My name is XXXX XXXX. My contact is XXXX and my cell # is ( XXXX ) XXXX. Ive also attached my statement outlining in red the reversal and outlined in blue are the transactions being taken out with a positive balance.
Product: Credit reporting or other personal consumer reports

I called Trans Union to get my credit report on XX/XX/2024 and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also Attached my credit report and letter showing that Trans Union is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

keep getting denied for anything that I apply for and it's being forced. That's a form of Identity Theft and consumer discrimination. Transunion is also using bots to interfere with my online activities and not allowing me to obtain my credit reports so I can go fourth with my disputes. 
XXXX characters of XXXX used About you Are you filing this report for someone else?
Product: Debt collection

XXXX and XXXX have both contacted four separate family members concerning my debt after being told in writing and in person they are not to contact these individuals. XXXX left voicemails with two separate individuals stating she was calling to obtain a reference for me and when they returned the calls she them tells both individuals she is trying to locate me. I called Auto Money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left messages and received no follow up calls again stating that they are not to contact these individuals. When I finally spoke with XXXX her response was " my bad the computer has n't been updated. '' I personally updated all information with them in XX/XX/XXXX.
Product: Debt collection

Account opened : XX/XX/24 Balance : {$1200.00} Contacted XXXX immediately upon seeing this on my credit report to report fraud. Contacted Sunrises Credit Services who is collecting for XXXX XXXX to report fraud. They stated they would be mailing a fraud packet to fill out. Also put a fraud alert on my social security number and a freeze. The address Sunrise Credit Services reported to XXXX is not my address, one I have ever been to or stayed at, and I don't know anyone from that address as well.
Product: Student loan

I have called Navient XX/XX/2020, XX/XX/2020, XX/XX/2020. They have used my Social security number and birth date to get XXXX XXXX 18 loans. Navient sent me to the Fraud department they want me to file a fraud report, but as I was speaking to a woman from Navient on XX/XX/2020 her response was Navient made a huge mistake and it's a serious one. I said yes it is. So I made the report on XX/XX/2020 I spoke to a XXXX from the Fraud department with no other identifying information, he refused to take the report number and state police reporting number which is XXXX and his name is XXXX XXXX. I told him what the lady had told me about how Navient made this huge mistake. And I did not think it was fraud at all. This woman does not know me, I do not know her and there is absolutely no way for her to get my information. This debt totals XXXX dollars. XXXX placed me on hold and put me on with a manager of Navient which she was laughing when she answered the phone s her and XXXX talked before she got on the phone. I explained that carrying out illegal actions is not funny! She refused to work with me as well. I told them I had spoken to an attorney. She told me that Navient took XXXX XXXX 's name off my social security number and birth date and placed mine on this debt. I advised her that this was illegal to do. A loan or server can not just take someone's name off a debt and put someone else 's name on it! Period! This is a legal document you have to have consent or wrote out another loan and go through the process. What Navient did by taking XXXX XXXX 's name off a binding document and placing my name on it is extremely illegal can't happen that way. Thus has caused so much damage to my life. But XXXX XXXX is getting a free education by the looks of things. But not on my watch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two mortgage loans with Carrington Mortgage Services. The company purchased the 20 year old loans from XXXX XXXX XXXX about two years ago. They reported these loans as 30 days late when there was a problem with their website after I had paid online. That was approx a year ago. Last month I paid payments on both loans on the website as I do every month and they were paid prior to the due date. Last month I went to pay early for XX/XX/XXXX payments and one of the loan shows it was not paid for XX/XX/XXXX. Once again paid both of the loans at the same time on line and got email confirmation of receipt. I called and asked why, they said bank returned the payment, which was a total lie as the bank did not return anything since there was 100 times more than the payment in the account. I called Carrington again, now they have different story after I told them bank did not return pmt, and turns out there was one digit off in the automated system on one account and correct on the other account so the payment did not go through. I was NOT contacted this payment didn't go through or I would of paid it again sooner as I did the moment I found out. I told them this should not be reported to credit agencies as I was not notified. They refused. Further, I have contacted them two times in writing as they are reporting these loans under my name when in fact these loans have been in the name of a corp since loan was made, I mailed them letter and proof the properties were purchase in corp name and so were the loans since day one 20 yrs ago. I faxed and mailed the letter and supporting documents a month ago and again zero response. They should not of ever been reported on my credit. They refused to correct this, not once but twice now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 48 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out XXXX private student loans in XX/XX/XXXX and XX/XX/XXXX totaling {$30000.00}. Although I never obtained a position in the field that I was studying for, I did have gainful employment. Unfortunately, due to job loss, I had to file for Chapter XXXX bankruptcy. I am now working in a successful position ( still outside of the field in which I studied for ) and my bankruptcy has been discharged, however my student loan has more than doubled. The interest rates on both loans are 11 % and 13 %. This is going to put me back in a very difficult financial position and hinder my ability to pay for my daughter 's college tuition once she graduates from XXXX next year, perpetuating the vicious cycle of student loan debt.