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

It has come to my attention that ( 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  has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. CODE 1681G - ; there was no disclosure to the consumer ( XXXX XXXX ) XXXX15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION. 15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO. ( B ) THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am NOT liable for this debt and do NOT have a contract with XXXX XXXX XXXX XXXX They did NOT provide me with the original application signed by me like I asked. 

Also, my rights are been violating by the credit bureaus according to the law and someone needs to hold accountable the credit bureaus for their malpractice. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 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

I filed a dispute claim on transactions in my Robinhood account. They immediately assumed I was doing something out of their terms and conditions and dismissed my claims. I replied giving evidence that I was not violating their conditions but the next email I got dismissed the evidence and just repeated what the other email said. So I replied with the evidence and explaining why they should investigate my claim. After weeks of this back and forth and waiting for them to reply. I get a final email saying they can't help me with my dispute. They never even tried to help me or see my side they just kept dismissing me.
Product: Debt collection

I reached out to at wood rentals and TCM of Mississippi about two contracts that has a bunch of forged signatures. I had expressed that they were not my signatures and showed proof that the ID does not match your signatures at all, and then I went and made a police report and submitted the police report to TCM of Mississippi. Theyre refusing to work with me about this. They keep calling me after I told them I did everything they asked me to do. At this point this is highly unacceptable as Ive done what they asked me to do which was to get a police report made about these forged signatures. I believe the next steps will have to be court over this whole issue. The calls need to stop at this point.
Product: Student loan

I have spoken to FedLoans multiple times about incorrect payments for PSLF. I requested recount 2 years ago and received an email on XX/XX/XXXX but many of the payments were still incorrect. I asked for a new recount on XX/XX/XXXX, and still have not received this. Many of my loans had bills created without credit given making my PSLF counts discrepant. All were paid via automatic direct deposit with some loans being credited and others not. Further, I was put into deferment by XXXX XXXX against my request, and payments from XXXX - XX/XX/XXXX have variable counts across my 13 different loans. I would like this explored and payments to retroactively count for PSLF.
Product: Debt collection

I reached out to this company XX/XX/2021 and explained to them that this account was opened fraudulently as a result of myself being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, XXXX failed to notify all 3 major Credit Bureau ( XXXX, XXXX  and Equifax ) that the account is now {$0.00} and is closed. Ive filed a dispute with all 3 Credit Bureaus but the account remained open showing a balance. Im approved for the Public Service Loan Forgiveness that erased the entire debt! XXXX sent a letter stating approval and showed the account is {$0.00} but did not notify the 3 Credit Bureaus.
Product: Vehicle loan or lease

XXXX/BRIDGECREST reprocessed my car falsely in XX/XX/2020. All payments were being made but according to Bridgecrest I had not paid after the repo in XXXX. I disputed these inaccuratcies to no avail. After further investigation and at their cost the car was returned to the co-owner and I was told a new loan had to be created ( XXXX XXXX, former co-owner ). No new paperwork or correspondence was issued or signed by me to refinance or create a new loan yet I still held responsibility according to my credit report. From XXXX until XXXX Bridgecrest had no activity on this loan because there was no loan. This is my proof that they were establishing a new loan. In XXXX it showed as a repo on my credit which I never signed a new loan after the XXXX repo and I didn't have possession of the car. I have disputed and requested where I authorized the new loan as the expressed that had to create.
Product: Student loan

Their login system is down, their bot doesn't provide any useful info and they don't pick up the phone.
Product: Credit reporting or other personal consumer reports

I didn't authorized XXXX XXXX to handle my XXXX  loan private information. They didn't provided me with a signed document from me authorized me to handle my account
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 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  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 reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Debt collection

VICTIM OF IDENTITY THEFT DUE TO XXXX XXXX BREACH
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681c, and 1681s-2 ( b ), in investigating and correcting inaccuracies on my credit report. Despite multiple written disputes sent via certified mail ( copies attached ), Experian has refused to correct errors, conduct reasonable investigations, or remove inaccurate accounts, harming my ability to access credit, housing, and employment. 

Background I have been actively disputing the following accounts on my Experian credit report, which contain inaccuracies and/or are unlawfully reported : XXXX XXXX XXXX Account # XXXX Errors : The " Status Updated '' date is listed as XX/XX/XXXX ( a future date ), and the account is inaccurately marked as " Paid, Closed '' with a " {$10000.00} written off '' notation. This contradicts the actual timeline and resolution of this account. 

XXXX XXXX XXXX Account # XXXX Errors : The " Status Updated '' date is listed as XX/XX/XXXX ( a future date ). The account is marked as " charged off '' with a past due balance of {$7800.00} as of XX/XX/XXXX, which is impossible and reflects systemic inaccuracies. 

XXXX XXXX Account # XXXX Errors : The " Balance Updated '' date is listed as XX/XX/XXXX ( a future date ), and the account inaccurately shows a " {$1800.00} past due '' amount despite being charged off in XXXX. 

XXXX XXXX XXXX Account # XXXX Errors : The account is marked as " Paid, Closed, '' but I have documentation proving it was resolved under different terms, and the reporting does not align with the actual payment history. 

Violations of the FCRA Experians actions violate the FCRA in the following ways : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy. The inclusion of future dates and incorrect statuses demonstrates a lack of basic verification.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation after receiving my disputes.

15 U.S.C. 1681c : Reporting outdated or obsolete information ( e.g., future dates ).

15 U.S.C. 1681s-2 ( b ) : Failure to correct inaccuracies after notification from furnishers. 

Reference to CFPB Lawsuit Against Experian I am aware of the recent CFPB lawsuit against Experian ( XX/XX/XXXX ), where the CFPB alleged that Experian engages in " sham investigations '' of disputes and fails to correct errors. This pattern of behavior directly aligns with my experience. I request that the CFPB hold Experian accountable under this precedent and ensure these accounts are removed or corrected. 

Request for Relief I ask that the CFPB : Investigate Experians non-compliance with the FCRA. 

Direct Experian to permanently remove or correct all inaccuracies on my credit report. 

Ensure Experian provides written confirmation of corrections and an updated credit report.
Product: Checking or savings account

On XX/XX/, I received an email from XXXX XXXX of XXXX XXXX XXXX, stating that they would AUTO-renew and charge against my account in the amount of {$260.00}. I had never heard of this company. I called their number to make sure they wouldn't charge me. The person I talked to said that a XXXX XXXX from XXXX XXXX, California was using my ip address to remove funds from my bank account. He asked me to open my account. When I did, he drained my checking and savings account using XXXX, in the amount of {$2600.00}. I immediately called my bank to report this. A fraud claim was filed. I received letters from US Bank Digital Claims Services dated XX/XX/. 
Without ever contacting me for information on this " investigation '', they " determined the transaction posted as requested ". and was denied. When I took this to a customer representative, XXXX, at US Bank, she connected with XXXX in their fraud department via telephone and they both determined that the initial claim report was not filed properly. They resubmitted it. The letters I then received from US Bank Digital Claims Services on XXXX XXXX XXXX, stated, " we determined this is a duplicate claim. Your claim has been denied. '' I have attempted many times to talk to them on the phone but could never get any information or the opportunity to tell what actually happened and that I did not authorize these transactions.

I have reported this theft to the Police Department. They sent an officer to my home to talk to me and file an investigative report.

I have asked US Bank Digital Claims Services to send the documents used in their investigation, which is told in their letters I could request, but they never sent them. They said I would need to get a subpoena. ( I didn't understand who was supposed to get the subpoena ).

The name on my bank statement of the recipient of the stolen funds is XXXX XXXX.
Product: Debt collection

American Coradius International LLC ( ACI ) has been calling my number 3 times a day for the last 45 days ( more than ~130 calls in total ), claiming I owe XXXX XXXX , {$790.00} in debt. I have have or have had a XXXX account. 

They provided the following information : Account number : XXXX Reference number : XXXX Amount : {$790.00} After multiple attempts of me telling them to stop the harassing and repeated calls, throughout the day, they have still continued to call me and recently also sent me mail via USPS on XX/XX/2019, demanding that I pay this debt that is not mine. 

I called XXXX ( who ACI claims is the original creditor ) and they confirmed that I had no accounts, amounts owed or any form of debt with them. It appears that ACI is trying to scam me ( and others ) by creating fake debt collection requests without any authorization or demand from original creditors. 

The Debt Recovery Agency 's full name and informations is as follow and appears fictitious. Oddly, they provide two addresses for their operations which is very suspicious as well. 

American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX American Coradius International LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

On XX/XX/2018, I sent a dispute letter to Experian disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Experian is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. You had ( 30 ) days to validate this information, and you failed to do that. 

Experian only put a statement about fraud and identity theft on my credit file. I also went as far providing proof, and I sent documents to Experian in my dispute that I am a victim of Identity Theft, Experian failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding LVNV Acct # XXXX I sent them 2 certified letters 1 on XX/XX/2018 and 1 on XX/XX/2018 and I will provide the signatures for letters. The first letter I asked for them to verify this account. They didn't send me a response verifying this account and didn't note the account as disputed. So I sent a second letter stating : " You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30- day period. '' LVNV never marked my credit report as disputed even after 60 days it was still not marked which I will provide 2 credit reports to show.
Product: Credit card or prepaid card

I am having a very frustrating experience with Citicard 's Billing Dispute Department. 
See Summary of Events : The following are errors made by Citicard Billing Dispute department : 1. XX/XX/2020 = I filed a billing dispute against XXXX  and a conditional credit of {$980.00} was issued.

2. XX/XX/XXXX, XXXX= letter received from citicard that conditional credit is permanent and I have won the case.

3. XX/XX/XXXX, XXXX letter received from citicard reversing the permanent credit because case was closed. This refutes the XX/XX/2020 letter 4. Between XXXX and XXXX, XXXX= Sent numerous emails to billing dispute and received no response, called and spoke with numerous representatives who have assured me that I do not need to worry because I won the dispute and that the credit will be put back in my account. Credit amount was never returned. 

5. Followed up again and spoke with representatives in XX/XX/2020who discovered that the billing dispute dept made an error in issuing the permanent credit. 

6. I ended up paying the charge of {$980.00} added to my balance in my citicard account. 

7. Last XX/XX/2020, XXXX  offered me a full refund through their buyback program for the tickets I purchased. I agreed and they sent an email confirmation ( copy attached in documents ) that they have issued the full amount to my citicard last XX/XX/2020 and advised me to wait within 2 weeks for the refund to reflect. 

8. I followed up with XXXX 3 weeks after XX/XX/2020 as no refund is reflected on my citicard account. It is a lot of back and forth with XXXX ( insisting refund was issued by XXXX XXXX ) and citicard ( rep online and on phone confirmed no refund appeared on my account since XXXX XXXX XX/XX/2020 ) 9. I withdrew the dispute by error XX/XX/2020 ( duplicate case made in error ) by Citicard. {$980.00} was again applied to my balance. This is a double charge.

10. XX/XX/2020, I immediately called the Citicard billing dispute department and spoke with a rep who assured me that a credit of {$980.00} will be applied to my account in 7-10 business as she will forward my concern to a billing specialist.

11. I called citicard billing dispute last XX/XX/XXXX and spoke with XXXX ( a more efficient rep ) who advised me that she will re open the dispute. She stated that she will note that the credit of {$980.00} ( being charged twice ) that citicard needs to return to my account is separate from the {$980.00} refund that XXXX  failed to issue. A conditional credit of XXXX was issued 12. XX/XX/XXXX, XXXX= I received a letter from citicard stating that billing dispute made an error in issuing a conditional credit ( again! ). Charge amount of XXXX was again applied to my account! 

13. XX/XX/XXXX, XXXX= I called and spoke with a rep and a manager who advised me to wait 7- business days for response. 

It has been 7 months that I have been dealing with Citicard and not only did they made numerous errors on this billing dispute but also is charging me twice the same amount when it fact it should already be credited to my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I noticed 2 inquiries on my credit profile dated XX/XX/17 one from XXXX and the other XXXX. Neither company had a permissible purpose as I did not authorize or apply for any service or product with them. I contacted both companies and they are unable to provide any proof or information and advised me to contact the credit bureau to have the issue corrected. Unfortunately, the bureau just sent me correspondence stating that inquires are " factual record of file access ''. Nothing tangible or physical to validate the inquiry. Obviously, as a consumer it is evident that an inquiry overall is supposed to be a factual record of file access. However, my concern is that the inquiries listed should not be there in the first place. Therefore, there is a flaw in the supposed " factual record '' excuse I was provided. The information is factually incorrect. The inquiries were not authorized, non-permissible, and must be removed. I contacted customer service and was advised to contact the CFPB as the credit bureau is unwilling and the supposed creditor listed is unable to assist as they have no information available ; having provided them information. My countless efforts to rectify issue leads me here to CFPB. I seek your assistance to have the erroneous entries removed. Your help is greatly appreciated. Thank you.