23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I established a new checking and savings account with BBVA XX/XX/XXXX. Shortly after my wife initiated direct deposit of her payroll check to the new BBVA checking account. Two payroll transactions were deposited into the BBVA checking account on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$460.00} and {$1700.00}. On XX/XX/XXXX I initiated a money transfer from the BBVA checking account to a joint checking account that my wife and I have with XXXX. On XX/XX/XXXX I received a text notification from BBVA that the transfer was being blocked and to a call BBVA. I called on XX/XX/XXXX and was told the transfer was blocked because the original direct deposit transactions were in my wife 's XXXX XXXX XXXX name and the BBVA checking account was in my name XXXX XXXX XXXX. Because of this, BBVA stated the transfer to XXXX could not be executed. I inquired as to how the money could be accessed and was told that my wife would need to be added to the account or the original payroll deposits would need to be returned to the sending bank. When inquiring about adding my wife to the account I was told that she would. have to come into a branch. However the closest branch is in Alabama and we are located in North Carolina. So, the only option would to return the funds to the originating bank. I asked to have that done and was told the return funds transfer would be initiated. On XX/XX/XXXX two debit transactions were created against the BBVA checking account in the amount of the two payroll transactions indicating the funds return from BBVA to XXXX XXXX XXXX had been executed. However, after multiple weeks the funds never appeared in the XXXX XXXX XXXX account. In the ensuing weeks, multiple attempts have been made to contact BBVA for help in resolving the issues and tracking the funds or investigating what happened. To date they have been unable to provide an ACH trace number or even the account to which they directed the return funds. On XX/XX/XXXX I initiated a conference call with BBVA and XXXX XXXX XXXX representatives to try and further investigate what had happened to the funds. XXXX XXXX XXXX verified they had no record of the funds being returned. BBVA was again unable to provide the ACH trace number or account number to which they returned the funds. They stated they were not able to provide any other information about the funds or any other assistance in investigating what happened or where the funds were. At this point I would like to file a formal report and have a third party investigation initiated to determine what happened to the funds and have them returned to us.
Product: Vehicle loan or lease

Unfair, deceptive, or abusive acts or practices in the contact Ive already filed a right of rescission with Carmax and XXXX.
Product: Mortgage

Hello, Hope all is well. I am emailing you regarding missed payments published on my credit report. Upon final payment to payoff and close the account, we agreed that you would remove the late payments off my credit report. You were aware of my military status and reasons behind the late payments. I am in the process of purchasing a new home for my family and these alerts popped up from my lender. I've reached out with multiple letters disputing what we agreed upon. Yes, you mailed me a final report of each transaction since ownership, but we agreed to remove the late payments if/when I sell the home. Please take my plea into consideration and help a veteran out by allowing him to provide a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit builder type loan through XXXX XXXX  in 2017. I made monthly payments that went into a secured savings account that was held by XXXX XXXX. In turn for the monthly payments from my personal checking account XXXX XXXX  was to report on time payments to help build my credit and credit score. I fell on hard times and I contacted XXXX XXXX  to close my secured loan account and they basically told me it was impossible to do so at that time. XXXX Bank never actually extended a loan to me it was only through my own personal funds. They continue to report my secured loan account as a charge off, which is inaccurate and illegal reporting to the credit bureaus. How can a secured loan where they never actually gave me a dime be charged off? I recently disputed this account through TransUnion and per usual XXXX XXXX  verifies what is being reported as Accurate. This inaccuracy is negatively effecting my credit score and report and it is diminishing my ability to obtain new credit. Thanks
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 XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF EDXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 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 an 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 or 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, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

i am filling a complaint against equifax for failing to investigate my my disputes regarding inaccuracies in my credit report.despite my submissions equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.this practice violates the fair credit reporting act ( fcra ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

ARS an unknown establishment obtained my information illegally ( Violates Hippa Privacy Act ). XXXX   reported ARS account # XXXX - {$150.00} and ARS account # XXXX - {$37.00}. I disputed thus stated items according to FCRA and obtained a letter from XXXX  and was render a verdict of validated debt. XXXX  never produced required evidence from ARS that was in the initial dispute because there is no validity to this debt. Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ).
Product: Credit reporting

I properly disputed a judgment for an unknown medical account and Equifax refused to delete it even though I produced verification that there was no such recorded judgment. Equifax is the only credit reporting agency reporting this and they not only refused to delete but are not marking the account as disputed by consumer. 

I contacted XXXX XXXX XXXX on XXXX/XXXX/2015 and verified there was no judgment recorded in my name. On XXXX/XXXX/2015 I sent a XXXX certified formal dispute letter, with proof, to the credit reporting agencies to inform them that the judgment reporting on my report was invalid. I received replies back and the judgment was removed by all except Equifax.
Product: Credit reporting or other personal consumer reports

Lexisnexis is reporting three car accidents and saying I was at fault. I contacted XXXX and they confirmed I was found NOT AT FAULT for any of them and gave me these letters to prove it. They said Lexisnexis has repeatedly made these errors with other customers. These errors are causing me not to be able to get auto insurance. I am being quoted {$5800.00} every 6 months and none of these accidents were my fault!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't want to see this anymore in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies show inaccurate information on my reports. My XXXXt loans are consolidated into two accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with XXXX this month and they will not remove addresses that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told XXXX would reverse any fees generated. The account was notated but fees was not reversed. Reached out to XXXX a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a XXXX XXXX error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted XXXX XXXX  and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a XXXX XXXX   error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I disputed this account with Equifax because it reporting inaccurate information. Equifax has " updated '' the account but has not corrected the inaccurate information. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This is a closed account that is still reporting a monthly payment. I have reached out to Equifax numerous of times concerning this inaccuracy.
Product: Mortgage

I have been trying to negotiate with XXXX XXXX, my initial mortgage holder, for nearly 3 years to help me and offer me loan forgiveness or a loan modification. For nearly 9 months, they claimed they didn't have all information requested, reassigned the loan, lost the file, etc. The best they said they could do was offer a loan forebearance. I applied for assistance with XXXX on XXXX XXXX, XXXX. XXXX requested an I-record from XXXX XXXX within a few days but Wells FAILED TO RESPOND TO XXXX. Then, XXXX NEVER responded to XXXX 's request for information on my loan because they were too busy off-loading/selling my loan. This caused several weeks FURTHER delay with XXXX. Finally, I was notified that SLS was now in control of my loan on XX/XX/XXXX. XXXX XXXX caused a dely or over 4 months. I had to re-apply with XXXX  with this new information. I did this in XXXX, XXXX. Now, its XX/XX/XXXX and XXXX is saying XXXX hasn't responded to their request for my I-record. It has been over 8 weeks and they keep telling me to allow 5-7days! Well, they apparently had the incorrect loan number, which they discovered and fixed. Now, they have the correct loan number and insist they've requested the I-record from SLS several times. HOWEVER, I HAVE CALLED SLS OVER 10 TIMES TO VERIFY THEY'VE RECEIVED THE REQUEST FROM XXXX BUT THEY SAY THEY HAVEN'T. SO, I FILED A COMPLAINT AGAINST THEM FOR " FAILURE TO RESPOND ''. TODAY, IF RECEIVE AN EMAIL FROM SLS STATING TO HAVE XXXX CONTACT THEM AT A DIFFERENT EMAIL ADDRESS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/year> Experian Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX Subject : Follow-Up on Inaccurate and Incomplete Information in My Credit Report To Whom It May Concern, I am writing to follow up on my previous correspondence in which I requested an investigation into the completeness and accuracy of information on my credit report. Despite receiving your response, I noticed that no corrections were made, and the inaccuracies remain unresolved.

This failure violates several provisions of the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Accuracy of Report ( 15 USC 1681e ( b ) ) Under this provision, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Based on the results I received, it is evident that Experian has not adhered to this legal obligation.

2. Description of Reinvestigation Procedure ( 15 USC 1681i ( a ) ( XXXX ) ) The FCRA mandates that consumer reporting agencies provide a description of their reinvestigation procedure upon request within 15 days. To date, I have not received such a description, despite my explicit request. 
3. Treatment of Inaccurate or Unverifiable Information ( 15 USC 1681i ( a ) ( 5 ) ) If information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, it must either be deleted or appropriately modified. Experian has failed to comply with this requirement, leaving the inaccurate information unaddressed.

I urge Experian to promptly reinvestigate the following accounts and ensure the accuracy of my report as required by federal law : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX Bank - Account Number : XXXX XXXX. XXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  - Account XXXX : XXXX XXXX. XXXX XXXX  XXXX Account XXXX : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX Failure to take corrective action will leave me with no choice but to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Additionally, I may seek legal counsel to address these ongoing violations of my rights under the FCRA.

Please respond with the results of your investigation and any corrective actions taken no later than 30 days from the date of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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. 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, credit repair services, or other personal consumer reports

I have been making complains to the credit bureaus about 2 deragatoriy items on my credit report that is unverifiable and the credit bureaus has refused to removed them although I have followed the guidelines established by the FCRA. I had written to the creditors Via certified return mail and they have failed to provide the documents to verify the XXXX and XXXX accounts. I sent the documentation to the bureaus which showed that the creditor has failed to provide proof of verification. I am asking the credit bureaus to please follow the law and delete the citicard and the XXXX derogatory items from my credit profile.
Product: Debt or credit management

Mas Financial Services is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, Mas Financial is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also MAS FINANCIAL is in violation of privacy act 1974, I didnt give MAS FINANCIAL Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that MAS FINANCIAL to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ).

Also Mas Financial Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). XXXX continuing to report this information is collusion with Capital One to violate my consumer rights and is grounds for legal action/arbitration.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX.