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

In regards to the XXXX XXXX  XXXX  XXXX account listed on my consumer report. Ive allowed XXXX, Equifax and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Product: Credit reporting or other personal consumer reports

After receiving m y credit report, I sent in documents challenging the accuracy of my credit file on XX/XX/XXXX. ( Certified Tracking USPS # XXXX ) XXXX, XXXX, And XXXX reported all info on my credit file as verified, including accounts in collection. On XX/XX/XXXX I sent in for a review of your decision by requesting a reinvestigation. Certified Track USPS # XXXX. I am still waiting on help with these inaccuracies reporting I have not heard back from any CREDIT REPORTING AGENCIES or DEBT collection company. 


Pursuant to USC 15 1681A ( e ), This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 

Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). 

Please update all Late paymenst attached to any accounts that are reporting late on my credit file, pursuant to 15 U.S. Code 1666 - Correction of billing errors. 

The Deceptive information that you are furnishing is causing me much hardship. It is damaging to my reputation and general mode of living I m not get approved for anything I am damaged.
Product: Credit card

I tendered a timely, properly indorsed registered security to Bank of America on XX/XX/year>, along with a letter of instruction to do their fiduciary duty and discharge this debt. 

Under Arizona XXXX  XXXX XXXX, Definitions, No. XXXX states : " Cancelled or revoked credit card '' means a credit card that is no longer valid because permission to use it has been suspended, revoked or terminated by the issuer of the credit card by written notice sent by certified or registered mail addressed to the person to whom the credit card was issued ... '', etc. 

No such notice was provided before cancellation of my card, notice of which I just received today by regular mail.
Product: Checking or savings account

I sent my finances old account XXXX  dollars to his old cash app account inwhich he nolonger has access to the email or phone number associated with that account and he talked to 4 associates and the first one told him to have me file a dispute and it would be returned within 3-5 days well cash app denied that the 2nd one he spoke with told me send a refund request and if he didn't access the account within 5 days it would automatically be refunded in 5-10 business days. That never happen he sent in his maryland state I.d to the next 2 the tried to do a one time transfer and that didn't work he doesn't have his card associated with this account because he lost his wallet as well.
Product: Student loan

Sallie Mae is still reporting on my credit when my loans were transferred to XXXX. My accounts with Sallie Mae are all at a XXXX balance and it has been over 10yrs and they are REFUSING to delete it from my credit.
Product: Credit card

I had a credit balance of {$1900.00} due to multiple payment posting. The money was taken out from my credit card on XX/XX/XXXX, after initiated on call on XX/XX/XXXX. But it has not been credited back to my bofa checking account as of XXXX. Something that i can do online and credited in minutes. Why is bofa trying to earn interest on my money and depositing on time or leaving in my card as credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and GM Financial are is reporting " NR '' -No Rating for the payment history of XX/XX/2018 ( XX/XX/XXXX. ; XX/XX/XXXX. ; and XX/XX/XXXX ). My account was paid in full and on time each of these months. The failure to accurately report my POSITIVE payment history is negatively effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX XXXX and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is XXXX XXXX Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

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: Mortgage

Our mortgage was originally serviced by XXXX XXXX. It was recently purchased/transferred to Carrington Mortgage Services. When we attempted to make our first payment online, Carrington is charging us a " convenience fee '' of {$5.00} per payment. They purchased this mortgage and, as far as I understand, must abide by the original terms of the loan, including payment terms. Those terms include online payments without a fee. I consider this to be a violation of my loan terms.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a wire transfer in the amount of US {$11000.00} was transferred domestically from my XXXX account to Wells Fargo to purchase an automobile. The number of the account was entered in error with an additional one at the end, the receiving party Who has a Wells Fargo account did not receive the wire transfer. I initiated a wire transfer trace with XXXX. It was sent out on XXXX XX/XX/2023. Wells Fargo has yet to respond and we are waiting for the return of the {$11000.00} That was sent to the wrong account number. 

The account number in question is not the correct account number XXXX -wire sent in to this account in error
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, a man named XXXX called from the Bank of America customer service number, XXXX ( XXXX ) XXXX claiming to be with the Fraud Department. He said my savings account was compromised and I needed to send {$2500.00} via XXXX to XXXX. He would then send the money back at XXXX  and the next day I would receive a new savings account number. He also told me for security reasons to update my password and delete the Bank of America app. I immediately called Bank of America and they said it was a scam and I filed a fraud claim with them.
Product: Credit reporting or other personal consumer reports

2 hard inquiry appeared on my Experian credit report that I have no knowledge of. One from XXXX XXXX on XXXX XXXX XXXX  and the other from XXXX on XX/XX/2022.
Product: Student loan

XX/XX/year> XXXX XXXX XXXX redden XXXX XXXX Near XXXX XXXX, Kentucky without UNITED STATES not in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX NOTICE OF LIABILITY AND SELF EXECUTING DEFAULT 1. Request is for the original instrument on the underlying obligation. ( Original application/ source documentation bearing my social security account number that created the alleged account. ) Unless it's normal business practice for XXXX XXXX  XXXXAIDV to restrict trade and or performance. 
XXXX Who is the original creditor, If not the creditor, A request for XXXX XXXX XXXXAIDV mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 
XXXX. Ineed XXXX XXXX XXXXD/AIDV to provide the ( GAAP ) generally accepted accounting principles for this account.

4. Provide me with a certified copy of the SSA-89 form prior to the initiation of this account.

5. A completed W9 form. 
XXXXXXXX XXXX XXXXXXXXAIDV you have 10 days from receipt of this NOTICE to provide all requested documents herein and above. If XXXX XXXX XXXXAIDE attempts to send anything other than requested it will be considered as a NONRESPONSE and further attempts to deceive me will be used as evidence against you. As silence is tacit agreement under the law, silence can only be equated with fraud where there is a lawful or moral duty to speak, or where an inquiry left unanswered would be misleading, whether intentionally or not.

Failure to provide the requested above documentation will be the complete agreement between the parties with no reservations, no officer, agent, attorney, employee, etc,. may contest the finality of this judgment listed below, tacit agreement to the following : 1. XXXX XXXX XXXXAIDV agrees All and any reporting to all credit reporting services will be removed immediately with rapid rescore. 
XXXX. Agree XXXX XXXX XXXXAIDV commit violations of the FDCPA Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction Unfair or unconscionable debt collection practices, furnishing certain deceptive forms, deprivation of rights under color of law, warring against the constitution of the state and US, invasion of privacy, inland piracy, fictitious obligations, legal simulation/simulation of process, peonage, abuse of process, and deceptive business practices. 
XXXX. Agree XXXX XXXX XXXXAIDV Never gave me full disclosure that my financial info was to be shared with an " unaffiliated party '' like XXXX, XXXX, XXXX or XXXX. 
XXXX. Agree Failure to provide will have you scheduled for backup withholding. 
XXXX. Agree XXXX XXXX XXXXAIDV committed aggravated identity theft.

6. Agreement your agents may not contest the finality of this default judgment.
Product: Checking or savings account

I went to Truist Bank to open an account and was denied. They said to ask the cfpb to get more information as to why it was denied, as they were unable to disclose this information.
Product: Mortgage

My husband died XXXX years ago. He took a Home Equity Loan from Chase. After his death I continued to pay interest only as was the original agreement. As soon as the payments were converted to interest and amortization, it more than XXXX the payment. I could not afford this change and was unable to continue my payments. I have made repeated attempts to contact Chase, without success. I even went down to a branch to show the Death Certificate and Estate docs, so I could speak to anyone who could help with a loan modification. Again, I was unsuccessful. I am trying to honor my husband 's debt, but ca n't get anyone to speak with me in order to restructure so I can afford to repay.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these account XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My Account with First Franklin is Paid In Full with a XXXX Balance. However, it is not reporting that way to all three credit bureaus. Also, during the time my account was open, hard inquiries were placed on my credit file instead of soft inquiries on XX/XX/XXXX and XX/XX/XXXX, in which nothing was signed stating hard inquiries would be placed on my credit file. The first original hard inquiry was on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Timeline : - On XX/XX/2020 I began selling goods on XXXX - On XX/XX/2020, Paypal sent me a notice that they were restricting my account until I provided evidence that I had fulfilled my orders ( tracking numbers ), confirmed my identity ( drivers license ), and that the items which I had sold were purchased legally ( invoice ) which I immediately did. At this time, my paypal account had {$2100.00} that I was unable to withdraw. 

- On XX/XX/2020, I attempted to call Paypal 's support line to inquire about the status of my restrictions only to have their service line explain that they had laid off their support staff and to contact them through their message center. I attempted to contact their message center with no response. 

- On XX/XX/2020, Paypal finally got back to me and released their restrictions. Then about 20 minutes later, I received an email stating that not only were they closing my paypal account, but they were going to hold onto my funds for 180 days!!!!! 

It's the end of the month. Rent is due and I have no recourse! You can't get anyone on the phone. They don't respond to emails. I'm not even sure what I've done to trigger the issues as I've complied with all of their policies and requests for information. I'm not going to tell my landlord that he needs to wait 180 days because Paypal doesn't want to release my money.
Product: Student loan

After years of trying to get ahead with my debt, I contacted a debt relief program. Upon doing so, I stopped making payments to my student loan with Navient. Months before I had called them for help but they told me I was already paying the lowest possible monthly payments. I did n't want to do forebearance for fear of making it look like a bankruptcy on my credit report. So I went with the debt relief program, stopped paying on the student loan and they have not given me a break since. Navient started calling me approximately 6 mos ago on a daily basis. Often they would call about 5x a day. Sometimes it would be an automated message other times a rep would leave a message for a call back. I told the debt relief customer support that the calls were never ending. They told me I would need to call them and specifically state that I would like them to stop or I will contact the FTC and send a Cease and Desist letter. Navient 's calls got worse. They began calling my family and a prior manager asking them via voicemail if they could contact me on a very important matter. They were calling after XXXX regularly. Most of the calls were made from numbers from various states. It seemed to be a ploy to get me to answer as each call seemed to be from a different state each time. To this day the calls have lessened, but they are still harassing me. They are still calling family and friends and I do n't know HOW they are getting the phone numbers. I get emails as well. I only have the emails that I could attach but I do n't believe it would help in proving harassment. I can provide a list of my call records including times if I need supporting evidence of the number, times and locations the calls were made but I am unable to attach to this complaint. Navient has been sent 2 Cease and Desist letters from XXXX XXXX XXXX on my behalf to stop the harassing calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$240.00} XXXX XXXX XXXX  Opened XXXX {$530.00} XXXX  XXXX Closed on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/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 these accounts are from identity theft
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit card

Before the account became in a negative status where they sold the account to another collection 's agency due to the fact of facing financial hardships from a stolen identity and theft of a compromised social security number. The first time the company refused to correct the problem and issue new cards, however the company claimed they issued new cards to an old address on file here the cards were stolen and credit one refused to forward new cards to the correct address after payments were made on the account. Since then, I have not been in correspondence with them on any agreements because their issue was a payment and mine was a stolen cards on behalf of my son 's and myself identity which they refused to repair. Today, XX/XX/year>, we are back at fighting again because they want money that, I do not have due to a financial hardship in which that has been caused in an overwhelming burden financially and a delay in matters leaving a trail of unpaid bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Account No. XXXX, has violated my rights. 
XXXX Account No. XXXX, has violated my rights. 
XXXX XXXX Account No. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My name is XXXX XXXX. XXXX client of Bank of America. 
I have the credit card visa XXXX. 

I'm traveling in XXXX and unfortunately on XX/XX/2022 I was robbed in XXXX, where the XXXX thieves with physical aggression took my cell phone while I was using it. They blocked my XXXX password so that I couldn't block the cell phone having access to all my passwords and apps. 

Once I had access to my computer, I logged into online banking and changed my online password, and also blocked my debit and credit cards. 

I went to the police station to register the robbery : Report number : XXXX Departamento de Policia : XXXX D.P Sacoma Address : Av. XXXX XXXX XXXX, XXXX Sacoma So Paulo/SP XXXX - XXXX XXXX : XXXX XXXX de XXXX XXXX XXXX XXXX XXXX bank I have the report to send to them *** I contacted the bank to notify the robbery. I informed them that any transaction carried out from XX/XX/2022 onwards was not made by me on my credit card or bank account. 

CREDIT CARD VISA - Number XXXX PROTOCOL XXXX ( RECORDED CALL ) The attendant informed me that there were 6 transactions, 2 of which had been declined by the bank due to suspicious activity and other 4 were still being processed. ( I couldnt see the transactions on the online bank ). 

XXXX {$18000.00} to XXXX XXXX XXXX XXXX {$15000.00} to XXXX XXXX - Processing U {$18000.00} MP XXXX - Processing U {$5700.00} MP XXXX - Processing U {$16000.00} to XXXX XXXX XXXX suspicious activity U {$18000.00} to XXXX XXXX - Declined suspicious activity I informed him about the theft and that they probably had access to all my passwords. 
I said that all the transactions carried out were not made by me, that in fact the 2 transactions were correctly blocked by the bank and I requested that they to CANCEL ALL TRANSACTIONS THAT WERE STILL BEING PROCESSED. I pointed out that 2 of them still being processed ( XXXX XXXX ) were from the same establishment that the bank had already declined the transaction due to suspicious activity. 


Bank resolution : The bank opened claim XXXX, they did not decline the transactions that were still being processed and the purchases were processed on my card on XX/XX/XXXX. The bank responded to the claim saying that my password was used and therefore, they would not refund the amount.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.