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

have Disputed several accounts with the Credit Reporting Agencies for numerous inaccuracies and they have not been removed and According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, XXXX are CRAs and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Experian, XXXX, XXXX are the financial institution and the Consumer reporting agencies XXXX, Experian, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Experian, XXXX and XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has XXXX my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

Car totaled! Company did n't pay bank all that was needed to clear the balance off of my credit balance report. Car company owes the car insurance that we paid for during the loan of the vehicle. And car insurance did't pay off for the rest of balance. I have full, total car insurance on the vehicle that was totaled. Why was n't this fully taken care of?
Product: Mortgage

I lost my job on XXXX XXXX but I still paid my mortgage every month. On XXXX XXXX, I called my loan servicer Wells Fargo to ask forbearance plan, which stated on its website. First I was told they do n't have this plan, but only modification, and I was not eligible because my loan was current. After I reiterated I did n't want modification but temporary assistance, they assigned me a home preservation specialist. I told him put notes that I do not want modification. He ensured he did, and told me the assistance plan for 6 months which pays {$25.00} each month, and a lump sum total repayment needs to make after 6 months. He also stated I need to submit property tax and home insurance info to get approval. I was hesitated and never submitted these. I got a letter one week later that I got approved even though I never submitted requested info. At the beginning of XXXX, I decided to make full payment for my mortgage, I was told online I had to call home preservation to make a payment. I did, and the specialist assisted. One week later, I received a letter that escrow account was established and payment for property tax was made. The letter dated XXXX XXXX, but I paid my property tax on XXXX XXXX. The letter indicated Wells Fargo reviewed my property tax upon the assistance program. The specialist never notified me this, and I had up to XXXX XXXX to make tax payment. So now, I was forced to create an escrow account, my property tax was double paid, my current loan is no long current because the escrow amount was taken from my principal. I called the specialist, his manager stated that the purpose of escrow account was to protect investors ' interest. If I ask for assistance, even just for a few months, they have to establish escrow account. My questions are if I could only afford {$25.00} a month payment, how would I be able to afford escrow? I asked for temporary assistance for my last resort help in case I can not make payments, but now my credit got ruined, my loan was messed up, my property tax was double paid, and I no longer can have temporary assistance. How awful!! I would rather use up my savings but not want this kind of disaster, hassles, and insults. Wells Fargo does n't care about consumers like me but only its investors.
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 unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a 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 has 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. These are the accounts I've marked inaccuracy XXXX & XXXX ( XXXX ) # XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX
Product: Debt collection

XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

Had a dispute with the XXXX  guys merchant was asked by chase to provide documents of proof fax it on XX/XX/XXXX emailed it on XXXX cause chase said they did not get it checked with chase if they received it but chase said no, asked them if I may lose dispute cause they are not getting documents of proof yet they said I had an extension called again on XX/XX/XXXX, they said I had a extension and should call back tomorrow to check if they received it called again on XX/XX/XXXX they asked me emailed XXXX again nad I uploaded it the server ( last time I tried server it did not work on XX/XX/XXXX I got a message from chase saying that they received my doc and they get back to me in 3 days called chase on XX/XX/XXXX and they said that since I have not provided documents therefore I have lost the claim of {$1600.00} it looks like a nice set up by the credit card to make me loose the case
Product: Credit reporting or other personal consumer reports

XXXXRE: REQUEST FOR CONSUMER REPORT, REMOVAL OF INACCURATE INFORMATION, OPT-OUT & SECURITY FREEZE\nTo Whom It May Concern:\nUnder the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., I am writing to request a complete copy of my consumer report maintained by your organization. Additionally, I am requesting the removal of any inaccurate information, implementation of opt-out preferences, and a security freeze on my file.XXXXCONSUMER IDENTIFYING INFORMATION:Legal Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of BirthXXXX XXXXLast 4 Digits of SSN: XXXXCorrect Phone Number: XXXXSPECIFIC REQUESTS:XXXXPlease provide a complete copy of my consumer report, including all information maintained in my fileXXXXIf your records contain any of the following inaccurate information, please remove it immediately:XXXXAny name variations other than Kreig Hunter (such as XXXX XXXX XXXX XXXX XXXX XXXXXXXXAny phone numbers other than XXXX, including but not limited to:XXXXAny other phone numbers that are not my correct number\n\t\tAny addresses other than my current address, including but not limited to:\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 XXXXAny accounts, tradelines, or inquiries that I have not authorizedXXXXAny other information that does not accurately reflect my credit history\XXXXOPT-OUT AND SECURITY FREEZE REQUESTXXXX  hereby exercise my right under FCRA  604(e) and  603(d)(2)(A) to OPT OUT of all information sharing. I do not authorize my personal information or credit data to be shared with any third parties for any purpose, including marketing, promotional offers, or prescreeningXXXX request a COMPLETE SECURITY FREEZE be placed on my credit file pursuant to FCRA  605A. No information from my file should be released to any party without my express written consent.XXXX explicitly do not want my information shared with anyone under any circumstances except as strictly required by law.XXXXPlease send the consumer report and confirmation of all actions taken to:XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Metro 2 Format and the XXXX XXXX XXXX XXXX  (XXXX), all consumer reporting agencies are required to maintain accurate information and promptly correct errors. Under the FCRA, you must investigate disputed information and remove or correct any information that cannot be verified as accurate.XXXXPlease be advised that failure to comply with this request may constitute a violation of the FCRA, which provides for statutory damages of $1000 per violation for willful noncompliance.XXXXI look forward to receiving my consumer report and confirmation of all requested actions within 15 business days of your receipt of this letter.XXXXSincerely,XXXX XXXX
Product: Money transfer, virtual currency, or money service

" According to XXXX, Circle Internet Financial is responsible for managing XXXX withdrawals that I make from XXXX to my bank. I submitted XXXX XXXX $ withdrawals from my XXXX account on XX/XX/XXXX for {$2000.00} to be sent to my bank account at XXXX XXXX XXXX Bank. My account at XXXX was debited but I never received the funds at my bank. These withdrawal requests were made following the XXXX guidelines, instructions and terms of service 3 days prior to XXXX declaring XXXX  on XX/XX/XXXX. At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. I received confirmation on the website, the app, and via XXXX support directly that the XXXX were being sent. Once again, according to XXXX, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. Specifically, according to XXXX, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. I have yet to receive my funds. I have also not received any update from either of Circle or XXXX what happened to my XXXX and the status of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka XXXX XXXX  ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr Chapter XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, Experian credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only Experian has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX XXXX only XXXX shows my XXXX XXXX XXXX. My lease Expires in XXXX of XXXX, this will have been my 6th lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, XXXX XXXX  will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to XXXX  dont know where to go from here
Product: Debt collection

Have received several scam emails within the last years but most recently received a letter from XXXX XXXX XXXX threatening legal action and fraud due to a NSF that happened over 8 years ago. The amount requested is over 4 times above the original amount.
Product: Mortgage

My husband passed away XX/XX/XXXX and I need to refinance the house to get a lower interest rate and his name off of the loan. In XX/XX/XXXX I requested a copy of the agreement. I followed up on many of occasions and was told that the is no law that regulates the time line for this request and they would get to it. I finally received it in XX/XX/XXXX Then I got all my ducks in row to refinance and began working with my leader. We have requested the payoff on XX/XX/XXXX and to this day the payoff has not been sent to us. I have talked to them many times only to be told oh we faxed that yesterday but they have no receipt of the fax and neither my lender or myself have received this fax. I am at my wits end. The loan company is Selene Finance XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Any help I can get would be greatly appreciated
Product: Mortgage

My refinance loan that was closed with fifth third on XXXX has been completely messed up. They also have not even paid the allotted funds to their fifth third trio card and I have continued to accumulate interest charges. The title company also sent me an extra check for a capital one account that I do not have. I have reached out to multiple people at fifth third with no response and also contacted the title company who also provided no answers and told me I just need to contact fifth third.
Product: Mortgage

On XXXX XXXX, 2016, I mailed Green Tree Servicing a Qualified Written Request for the fourth time in less than a year. To date. I have not received a response as required by RESPA, Section 6. That requirement states the following : Once the servicer receives a QWR, the servicer must acknowledge receipt of the correspondence within five days ( excluding Saturdays, Sundays, and legal holidays ), unless the action requested is taken within that timeframe. 12 U.SC. 2605 [ e ] [ 1 ] [ A ]. 
As a result, I am entitled to damages as stated by law : If the servicer fails to take one of the required actions within the time limit, under RESPA a borrower may recover : - any actual damages suffered by the borrower - if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and - attorneys ' fees and costs. 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].
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 XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account nameXXXX XXXX XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

Unhappy with the way Capital one is handling disputes, by stating that XXXX is not giving them enough room to help me.It looks like Capital One wants to charge me the amount without looking into the fact, which is costing me more money and time to get my refund, and happening repeatedly. 
On Fri, XX/XX/XXXX I was charged {$990.00} by XXXX XXXX XXXX for fixing coolant leak in my car for First Time. My car is again coming back with same coolant leak issue. Next I went back and I was charged Tue, XX/XX/XXXX was charged for {$510.00} and again the coolant leak is coming back, when I went back for second time XXXX 's initially agreed to fix the issue at no additional cost and told it will be resolved in a day, but they hold my car for extended period of time and charged me additional amount. I have no faith in XXXX 's motor, as they are ripping me off by no fixing my car and trying to make me come back and charge additional money. If Capital one needs second opinion for me to get my refund, then I request Capital one to pay of a professional to diagnose my car and give a written note, as for me my car is the evidence that the car coolant leak is not fixed. 

I filed dispute with capital one for both transaction and Capital one refuses to refund my money, only because XXXX XXXX XXXX send my invoice which hold no weight or proof that my issue is resolved. I only signed the invoice with the garuntee that XXXX 's has resolved my coolant leak, but my coolant is still leaking, I have to top off little coolant every other day and drive my car, which is costing more money as it is. 

Adding to above, during my second visit XXXX XXXX XXXX ill advised me to sell my car, so that I wont have any evidence to prove my case.
Product: Debt collection

On XX/XX/2022 I requested a dispute and investigation via certified mail regarding items on my credit report file that were being reported illegally. On XX/XX/2022 Experian sent a letter stating that an investigation had been completed and the debt had been validated, however Experian failed to forward to me all the relevant information provided to them for their investigation as required by FCRA 611 ( a ) ( 7 ). On XX/XX/2022 I sent another letter via certified mail attempting to validate the debt with Experian, they have failed to respond validating the debt or by deleting the negative items since. The account being disputed are listed as follows : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX
Product: Debt collection

On XX/XX/2020 I received a frantic call from the mother of my nephew who said that some lady had just contacted her to tell her that i would be arrested and that charges would be brought out against me at XXXX county if i didnt call them. Then i called them back i was transferred to a guy and he said three charges was being filed against me by ACE CASH Express unless i pay them {$140.00} dollars. This caused so me so much stress and made me so afraid. So i quickly called around and ask my family to let me borrow the money and made the payment because he said i would have to pay XXXX dollars in legal fees.
Product: Credit reporting or other personal consumer reports

On Wed, XXXX 2025, I received my credit report from XXXX and I wanted to update the file but couldnt get pass their protected bots and was continually hung up on not being able to update my records! My thing is what is the point of having companies report Fake News for the corporations to pump fake like their using a credit score to BORROW our credit that we the people extend. 2nd Most of the companies that they have reporting on my account are Banks and they are the Borrower per 12 USC 1431.

The whole system is Fraud and Deprivation of Rights Under color Law is the Conspiracy of Fraud that I am alleging.
Product: Debt collection

I have disputed this account with Portfolio Recovery Associates through all XXXX credit bureaus. It is apparently for a XXXX account that I do n't believe is mine. They have sent me a copy of a last statement with amounts for a past due and payment now due and balance listed. It does not verify the debt is actually mine, but they keep stating it 's verified. The amount they are claiming I owe is neither of the XXXX balances on that statement. With just a little bit of research about this company I realized that they are not even licensed to do business or collect debts in my state of Georgia. I would like all collections to cease on this account and for it to immediately be removed from all XXXX credit bureaus and for Portfolio Recovery Associates to stop trying to collect accounts in states that they are not licensed in.
Product: Mortgage

XXXX, I called the home equity department to dispute the transactions over the phone the agent did not understand what I was seeing on my end where the balance was not reflected. 

Then I submitted a request on XXXX. 

After which I made multiple attempts over the phone and via email to a bank representative. 

I have the request, screenprint to show balance not adjusted after payment and email chain where I asked for a status on numerous occasions attached below. 

XXXX,