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

Experian has failed to fulfill its legal obligation under the fair credit reporting Act FCA conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Counsumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic -issues such as failing to forward 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 neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. 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.
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

during a merger process between People 's United bank and M & T this month, the bill pay section of my checking account ( People 's United ) was left out of the transfer process. as a result the automatic payment ( attached to the checking account ) that was set up, were not made. I reached out to M & T XXXX after receiving a call from a payee about missing payment, spoke to supervisor XXXX to see about possibly restoring bill pay to account or relief with possible late fee I may have incurred. I was met with platitude and no real solution to the problem, they have created. prior to merger, there were no communication about possible glitch with bill pay or about feature not transferring with checking account. as a customer I am left scrambling while the bank hold no responsibility. so far this is the problem that I have encountered with this merger. I wanted it noted that I currently live in a state ( GA ) that does not have an M & T branch.
Product: Checking or savings account

I opened savings account with 5 bank due to the interest rate with no fees about 2 years ago. 

I find out today the account was changed due to a policy of the limit monthly transactions. They have lowered the interest rate and now charging a monthly fee. 

They claim multiple attempts were made to let me know but I never received anything. My contact info is all correct.
Product: Credit reporting or other personal consumer reports

I have reported to XXXX XXXX identified theft. They told me to be patient while they investigated. They have been investigating for over 60 days and are also reporting on my credit Im not paying by bill. 
They told me not to pay the bill because it is fraudulent. Why are they reporting to my credit report that Im not paying my bill?
Product: Debt collection

On XXXX XXXX XXXX and XXXX XXXX received a summons for a debt from XXXX XXXX XXXX XXXX. Represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. for a medical bill owed to XXXX XXXX srv. for XXXX. This medical bill was exclusively for XXXX XXXX and was paid by insurance Blue Cross of Utah regence. This medical bill for XXXX XXXX was not a family expence and XXXX XXXX is in no way liable for a personal medical expense per ut code XXXX. XXXX XXXX never recieved and medical treatment, prescription or any other services from original debter and should not be held responsible for any debt allegedly owed.
Product: Money transfer, virtual currency, or money service

Wise stated they were changing my account details and that my old details would be valid until XX/XX/2023 on XX/XX/2023. 

On XX/XX/2023, I had 3 debits initiated with the and my rent payment was cancelled without cause or warning. 

On XX/XX/2023, I reached out to Wise for clarity and compensation for the fees accrued by this lack of follow through. 

On XX/XX/2023, I received a message from a complaints officer stating that they have acknowledged my complaint and that a final response will arrive by XX/XX/2023. 

I have reached out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for information to no reply. 

I was charged XXXX USD for this mistake/error by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask equifax to investigate a problem on my credit report they told me they verified it with a third party lexis nexis and they never investigated it because I have a security freeze on that I will forward you the information. They said they looked into it.
Product: Debt collection

Company calls repeatedly. I have told them that I do not have a job and can not pay what they want due to all my accounts with multiple creditors being in collections. 

They then turn to " oh I'm calling you at this number and you are answering so that means you have money ... Who is helping you, where are you living? You can obviously afford a phone and food so who is helping you where is money coming from ". How would you like to pay this debt today. We need a payment today.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I submitted a police report and identity theft affidavit along with the identity theft report from the federal trade commission on 3 items that were not mine. They removed the XXXX Account but the XXXX XXXX account and the XXXX XXXX  XXXX account have not been removed. I am a victim of identity theft, and I have followed all procedures. Equifax is required by law to remove these accounts from my credit report within 4 business days according to the Fair Credit reporting ACT. The other bureaus did follow the law and removed those accounts. Equifax is the only bureau that is doing what they want to do by not removing the accounts and inaccurately verifying fraudulent accounts. I am going to have to see an attorney about this matter because it is not right and it is illegal. 

According to the FCRA 605B ( 15 U.S.C 1681 c-2 ) Equifax is supposed to block the reporting of information in the file of a consumer identities as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt by such agency
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. 
This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. 
This has damaged my credit severely and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX, 2022. I told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached and sent them corresponding documents to prove inaccuracies ( photos of my DL, XXXX, & utility bills ). Yet has anything been resolved from my report. 

According to the FDRC the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate and its not and i have the photos with highlighted inaccuracies. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt, Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian.
Product: Debt collection

I just got this number last month. The debt belongs to another individual. I've asked numerous times for them to quit calling. The company 's name is Afni. I spoke to  XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.
Product: Credit card

This is regarding the charge back dispute filed with the Capital One. The dispute amount is {$840.00}. The case # is XXXX. On XX/XX/2016, Capital One issued a refund check in the amount of {$840.00}. On XX/XX/2016, XXXX., I inquired with Capital One Dispute department to see what is the reason for issuing the credit refund and it is okay to cash the check. The agent contacted its Customer Relations Department to check the reason why the check was issued and she discovered that the Merchant failed to respond ( " representment '' ) within 45-48 days per visa guideline. Now that the Merchant responded with non-conforming evidence ( completely irrelevant documents ) after the 48 days of my initial filing date, Captial One rebilled {$840.00} to my account and imposed late fees without mailing me the billing statements. I called and complained to Capital One, however they are telling me now that the case is closed and I must pay the credit refund. Capital One violated my rights as a consumer by failing to exercise their duties to investigate the charge back documents NOR abide by the Visa chargeback guidelines, State and Federal Laws. The Dispute Department at Capital One are not equipped with knowledge of visa dispute guideline nor knowledge of law regard to the disputes/chargeback. Please help me resolve this issue with Capital One to vindicate my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXX {$3600.00} There also were inquiries that i obtained without my knowledge. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX
Product: Student loan

For my loan to be forgiven I have to pay XXXX payments. At one time I was XXXX  payments which means I paid XXXX Payments. I check back and now they are saying I made XXXX payments. Which is it? How could it change? My loans should have been forgiven and now they are reporting my loans payments inaccurately.
Product: Payday loan, title loan, or personal loan

My husband and I open a personal loan through OneMain. The company was originally named SpringLeaf. The loan was paid in full XXXX XXXX, 2017. I tried to obtain an letter from the company stating this loan was paid in full ; so I could provide it to the three credit bureaus ; but, was unsuccessful. Attached will be a summary printout from the local office and a statement printout providing {$0.00} balance. Even though these statements are acceptable to me ; there are not acceptable for the three credit reporting bureaus. Would you please assist me with this matter? Thank you
Product: Credit reporting or other personal consumer reports

ATTN : XXXX XXXX XXXXXXXX The below accounts are preventing me from obtaining employment and they are totally not correct, and I want these accounts deleted immediately. 


XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all XXXX  bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXXXXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all XXXX  bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Provision of Dispute Results to XXXX : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX K XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through Experian on XX/XX/XXXX and through XXXX  on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to resolve the debt. I also disputed on XX/XX/XXXX with Experian that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.
Product: Mortgage

Wells Fargo is trying to foreclose on my home tomorrow XXXX/XXXX/XXXX based on a fraudulent decision they sent to me regarding my mortgage package. 
I submitted a package for a short sale because I had n't been able to get them to modify my loan. I sent that shot sale package earlier this month, on XXXX XXXX, XXXX. They had a sale date scheduled for XXXX XXXX XXXX. That is 12 business days, and 15 calendar days prior to the sale yet wells fargo is wrongly stating first they didnt receive a package then that they didnt get my package in time. 

I am attaching a copy of the forged decision they sent to me from my Home Preservation Specialist, XXXX XXXX. It is forged document because XXXX XXXX left Wells Fargo on XXXX XXXX, XXXX and has never since returned. She was never even an employee on XXXX XXXX, XXXX to write the letter and send me the decision so important regarding my home that they are saying that she mailed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPANY is continuing to report fraudulent accounts on to my credit file that they maintain. XXXX  with a past due amount of {$670.00} opened XX/XX/XXXX and XXXX XXXX XXXX opened XX/XX/XXXX with a past due amount of {$670.00} do not belong to me. I am a victim of identity theft and these account are a result of such.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Sir/Madam, Subject : Complaint Against Receivables XXXX XXXX for XXXX XXXX FDCPA ( XXXX U.S.C. XXXX ( c ) ) I am writing to file a formal complaint against XXXX XXXX XXXX for its failure to comply with my request to cease communication as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 
On XX/XX/year>, I sent a written notice via certified mail to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, requesting that they cease all further communication with me regarding the alleged debt associated with account ( s ) number XXXX. I informed them that I refuse to pay the debt of {$1300.00} originally opened on XX/XX/year> and that any further communication should cease immediately, except for the reasons permitted by the FDCPA. 
Despite my written request, I have continued to receive communication from XXXX XXXX XXXX through phone calls, letters. These communications are in direct violation of my rights under 15 U.S.C. 1692c ( c ). 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX for violating the FDCPA. I seek your assistance in ensuring that this agency ceases all further communication with me regarding the alleged debt and that any necessary penalties are imposed for their non-compliance.
Product: Mortgage

When I agreed to build with XXXX XXXX the sales representative at XXXX XXXX presented a {$12000.00} incentive. She said we only benefit from that if we use NVR mortgage. She said we can use whomever we want but its easier with NVR. The representative said we can use the incentive towards anything on the house. 

Later once NVR started quoting me mortgages I noticed shockingly high closing fees. NVR was overall cheaper than other lenders but the XXXX incentive was gobbled up with high fees. I felt complete taken advantage of and misled by this bate and switch method they practice. I reached out to several other lenders and they all advised me of this shady practice. I was being charged {$6000.00} plus in points to buy the rate down to a fair market value. Closing costs were around {$18000.00}. XXXX XXXX closing costs were around XXXX. This was obviously very upsetting. Overall NVR on paper was cheaper but they completely mislead the incentive they pitch. NVR is owned by XXXX XXXX which is also shady. 

I asked my representative through NVR to talk via XXXX. She said that she will talk with her managers but unless I show another competitor cheaper on paper then that was the best they could do. My credit is outstanding and I hold no debt. I put XXXX % down as well. I asked the representative if they do refinances and she said no. Weird? I then asked her if NVR would quote me a mortgage as if I was buying a home somewhere else not with XXXX and be competitive and she said they only do mortgages for XXXX. 


Im very disappointed with XXXX and NVR. This is a shady business practice taking advantage of the average American.

Im requesting this agency intervene asap as I need to pick a lender within the next week. I feel mistreated and taken advantage of by their shady incentive.
Product: Debt collection

Credits , Incorporated XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, Oregon XXXX. Phone XXXX or XXXX has been repeatedly attempting to collect a debt, they initially purchased from XXXX XXXX. I had {$3.00} in my XXXX XXXX Checking Account. XXXX XXXX accepted a debit charge against my XXXX XXXX  Checking Account in the amount of {$250.00} & have since added {$7.00} in interest charges for a total of {$250.00} ( they took the {$3.00} in addition & the balance of the charge to XXXX XXXX was {$250.00} ) they claim I owe them. I do not have overdraft protection & specifically opted out of that offer. I never approved the purchase. Why would XXXX XXXX accept a charge of {$250.00}, when my account only had a balance of {$3.00}?
Product: Debt collection

ive tried to dispute this derogatory mark for a " fortiva " credit card from the months of XXXX-XXXX of XXXX, the acct was both opened and closed with an outstanding balance of {$700.00} without my knowledge ; im currently a victim of idenity theft. ive disputed it in XX/XX/XXXX when it became apparent to me that this was affecting my credit. again i disputed it in XX/XX/XXXX and again XX/XX/XXXX. i contacted the company by phone on XX/XX/XXXX and the gentleman was very confused about the acct and why the acct was opened and closed so quickly. for months of XXXX XXXX XX/XX/XXXX ive recieved letters and calls trying to collect debt. some rude some pushy