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

I am writing to formally lodge a complaint against Experian, XXXX, and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These credit reporting agencies have consistently reported inaccurate information on my credit profile, including erroneous late payments, incorrect account statuses, and inaccurate balances. Despite my numerous attempts to rectify these issues, the inaccuracies persist, and my requests for correction and updates have been ignored. 
The violations are as follows : XXXX. Inaccurate Reporting : My credit reports contain numerous errors, including but not limited to : * Incorrect late payment reports. 
* Inconsistent account statuses. 
* Discrepancies in account balances. 
* Failure to update my address despite multiple requests. 
* Multiple variations of my name, whereas I have specified the correct spelling. 
XXXX. Violation of Consumer Rights : As stipulated under 15 USC 1681, there is an imperative need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. My right to have accurate and consistent information reported by all three credit bureaus has been blatantly disregarded. 
XXXX. Lack of Response and Rectification : Despite my formal complaints and requests for corrections, the credit reporting agencies have failed to update my profile accordingly. I have explicitly requested that all communications regarding the updates be provided to me in writing, yet I have received no such communication. 
I am deeply concerned about the impact of these inaccuracies on my financial health and the potential repercussions on my ability to access credit. It is both unfair and unlawful for these credit reporting agencies to neglect their duties, causing undue harm to consumers like myself. 
I am urgently requesting the CFPB 's immediate intervention to : XXXX. Investigate Experian, XXXX, and XXXX for their non-compliance with the FCRA, XXXX, Privacy Act of 1974, and XXXX. 
XXXX. Ensure that all inaccurate information on my credit reports is corrected promptly. 
XXXX. Mandate that the credit reporting agencies provide written confirmation of these corrections. 
XXXX. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I am counting on the CFPB to uphold its mandate to protect consumers and ensure that these agencies adhere to the laws designed to safeguard our rights and financial well-being. Your prompt attention and action in this matter are crucial and highly appreciated. 
Thank you for your immediate assistance.
Product: Money transfer, virtual currency, or money service

I was contacted by an individual by the name of XXXX XXXX  via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via Zelle from my bank at XXXX  XXXX XXXX. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via Zelle again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called XXXX XXXX  XXXX on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at XXXX XXXX XXXX told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called XXXX  XXXX XXXX back and they told me they denied my claim and I can not appeal any Zelle transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help XXXX  XXXX XXXX can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for investigation with Experian, XXXX, & XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Has Verified the information and corrected the issue on my consumer report, however Experian have not updated the account to the correct status and replied the account is verified, which is still inaccurate on my consumer report & According to 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever 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, after the investigation Experian still hasnt provide me with the detailed description from the Individual investigation thats supposed to have took place, this account is indeed inaccurate and needs to be updated immediately, or provide me with the complete detailed investigation of the procedures that took place during the investigation within 15 days as Required by FCRA Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX All these hard inquires were not authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX TRANSUNION SOLUTIONS XXXX XXXX XXXX CHEST, PA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a personal loan in the amount of {$7500.00}. I submitted all of the requested documentation, and created an online account with Lending Club. 

By XX/XX/XXXX, I was notified that my loan had been approved and fully funded 100 %, and that it might take my bank an additional 4 days to deposit the funds in my checking account. Since that time I have made numerous phone calls to Lending Club to find out why my loan was still unfunded. On XX/XX/XXXX I reached a supervisor, by the name of XXXX who told me that they were having some technical problems and things should be resolved soon. My last contact with Lending Club was on XX/XX/XXXX. I spoke to a representative, named XXXX. After explaining my situation, she put me on hold and spoke to Supervisor XXXX. When she returned to the line, she said " the issue regarding my loan was a big mess and they were sending it to the big bosses to resolve the matter and it could take an additional 2 weeks ''. 

I applied for this loan to consolidate my bills and do some home repairs. During this long wait from XX/XX/XXXX until now XX/XX/XXXX, I have lost time and other options to apply for a loan. 

I have been treated unfairly and have been misled by Lending Club. I am requesting that the loan I applied for and was approved be funded to my bank account as soon as possible, with no more delays and unsatisfactory excuses. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Prepaid card

They are refusing to reverse payments which were not authorized by me. They are not sending me the proof they just keep saying Ill receive it in mail.
Product: Mortgage

When checking my credit report, I found that XXXX said my mortgage account was closed when it was not. I filed a dispute and they corrected it, and now shows that account open, but now they have dropped my credit score XXXX points because of it. Even though I am paying it on time, and it was their mistake in the first place, I do n't understand why this adversely affected my score.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I had a storage unit with XXXX XXXX  in XXXX. I had moved out of XXXX to XXXX  and couldn't go back to retrieve the items in storage. I was informed by them that if I had signed a release form releasing the content of the unit, that I should be ok from the time I do so. I had multiple communications with manager and they insured me that everything is ok. The manager told me that he had never received the release form that I signed and asked me to send it to him. After sending it, he responded to my email confirming that it was received. Few months later, I saw the collections account showing on my credit report. 

I am attaching the communication and the release form that I had signed back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$41000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I attempted to place a credit freeze on my Equifax account as follow-up to an identity theft incident. First, I followed the online process, but at the end of the identity verification process the screen indicated the process could not be completed online and I would need to do it via phone. 

When I placed the call, a robot took me through identity verification and then told me it was not able to complete the process. I proceeded to talk with an actual person who took me through identity verification a third time and then told me she could not complete the process. 

She told me to send a written request along with copies of my drivers license and social security card to : Equifax XXXX. XXXX XXXX XXXX GA XXXX attn equifax security freeze dept XX/XX/XXXX I mailed the above items. 

XX/XX/XXXX Two months later, there is still no credit freeze on my account!
Product: Credit reporting or other personal consumer reports

EdFinancial refuses to update their files and correct my credit reports. They are reporting XXXX student loan accounts ( with XXXX XXXX XXXX ) as open with a balance, when in reality both accounts have been closed for almost a year and have XXXX balances. I have attempted to resolve this with EdFinancial via postal mail, email, and telephone, but they will not correct the information. During a telephone conversation on XXXX XXXX XXXX, a representative from EdFinancial verified that my account with them was closed. She said they would investigate and correct my information, and that someone from EdFinancial would contact me in XXXX hours. None of this happened. I have also tried to dispute the XXXX incorrect credit report entries with XXXX, XXXX, and XXXX, but all they do is say the information is accurate and to call EdFinancial. Here is a short history of the loans : The co-borrower and I had student consolidation loans transferred to EdFinancial from the Dept of Education, then EdFinancial transferred our loans to XXXX ( at which time EdFinancial closed the accounts in their systems ), our loans at XXXX were completely paid and the accounts closed in XXXX 's systems. The Dept of Education and XXXX have reported the accounts to the credit bureaus as being closed with a XXXX balance. EdFinancial refuses to do this.
Product: Debt collection

Between the dates of. XX/XX/2023 & XX/XX/2023 they have call over 8 times and multiple times a day. I have asked them to stop calling and even told them when I could make a payment. They have continued to call with different people each time.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint regarding Capitol Ones failure to deposit my direct deposit from my employer. Capitol One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns regarding consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit card or prepaid card

Initially when I opened the dispute, I was only disputing {$260.00} which was the amount of money worth of work not completed. However, after the dispute was filed, the grout began to deteriorate that they had installed around the XXXX  and in several other areas and the sealant no longer useful. So I called on XXXX to dispute the remaining amount of {$780.00} because the other part of the work that was performed was done poorly as the XXXX  has different XXXX, cracks in it, most of it has deteriorated in sections, there was an overuse of grout ( sloppy workmanship ) which I have had a hard time getting off my tile and the merchant is unwilling to make any additional attempts to correct the issue. This has left me with part of the work not completed ( {$260.00} ) and the remaining work poorly done as stated above and cracks/loss of grout they installed not as expected. Since informing them of this on XXXX, I have called back several times in an attempt to get a temporary credit for the difference and have a feeling that it wasn't actually filed for the difference until XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 My ssdi was deposited in my account at XXXX am and at XXXX pm my account was charged XXXX from XXXX XXXX at an apple store # XXXX receipt XXXX this is an ATM vending machine. So I called the bank right after I seen this.XXXX  at Current bank told me that I was hacked. There was another phone number on my account. So she changed it then I was told because it had a 10 day hold. I had to let it go. I called everyday and they would not transfer me to a supervisor. XXXX the manger on XX/XX/XXXX th was suppose to call and still waiting. So they would bot transfer me to the fraud dept .so I kept calling was promised an update never happened. XXXX did close my virtual card and I told her that I didn't want it. I didn't even know it was there. I have asked nowb4 times for there notes and I requested a hard copy to be mauled NOTHING email or anything mailed to my house. The decision was thus is what my email said card kept active I ( haven't activated it. ). .UT, token provisioning Yellow No error found case closed.. Thus was an unauthorized charge I don't understand how this could be. The service I received was horribke. I have to calls XXXX XXXX to talk to Current bank. This was all my money..haven contacted XXXX XXXX that's when u was told that it was an ATM  vending machine.I don't even have an as poke accoynt. I have asked them again for the investigation report still nothhing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information presented in this complaint is in addition to complaint number XXXX - XXXX, because I meant to add these documents with the first report. These documents will support my attempts to communicate with LexisNexis to resolve the issues : On page XXXX of the credit report dated XX/XX/2019, LexisNexis is reporting my license number wrong along with other inaccuracies. 
On page five of the credit report dated XX/XX/2019, which is the report that suppose to show corrections, that page shows a wrong social security number ; wrong addresses, and misspellings of my name. 
On page one of the credit report dated XX/XX/2019, I have highlighted LexisNexis statement whereas it says they have contacted the XXXX XXXX Bankruptcy XXXX regarding verification, and thus the report is accurate. To this end, I am told to 'please contact the court 'directly ' if they need to update their records. ' The documents that I will include will show that I did contact the court directly, and copies of my drivers license ; social security card, mail that shows my correct address and the spelling of my name - copies of which I also presented to LexisNexis in my quest for correction/deletion.