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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Experian consistently responds within 24 hours stating that the account is accurate, they don't even provide any evidence of a thorough investigation. The practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. - 1681i, which mandates a reasonable investigation of disputes. 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 had 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

There is incorrect and inaccurate information on my credit report with Experian, XXXX and XXXX such as a extended 90 days and active Fraud Alerts.
Also there is XXXX XXXX unauthorize hard inquiries on my Experian, XXXX and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my Experian, XXXX and XXXX credit reports.
The list are as follow.
1.Experian Hard Inquiries 1.XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.XXXX Hard Inquiries 1.XXXX XXXX.Dated XX/XX/XXXX 2.XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX .Dated, XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  .XX/XX/XXXX7.XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXXXX/XX/XXXX 9XXXX XXXX XXXX.Dated XX/XX/XXXX 10. XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX XXXX.Dated XX/XX/XXXX 9XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.DatedXX/XX/XXXX 11.XXXX XXXX XXXX.Dated XX/XX/XXXX 12XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14XXXX XXXX # XXXX Dated XX/XX/XXXX 15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with Experian, XXXX, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency violated XXXX XXXX XXXX XXXX ( XXXX ) by furnishing a XXXX XXXX XXXXXXXX account on my consumer report without my written permission. I never gave the consumer reporting agencies written permission to furnish XXXX XXXX XXXXXXXX on my consumer report.
Product: Debt collection

According to Bank of America this credit card dept of {$140.00} is at a XXXX balance but there for its still reporting as owe..thats again the law thats not accurate and this account is fraudulent see police report for more information..remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Payday loan, title loan, or personal loan

I need four tires for my car and i called them and they told me the file an application on their website and if approve they will send me to a dealer which they did. I called the dealer on the phone. I told him that i was referred to him by ACIMA. We both talked about the tires and i told him i needed continental tires. he completely discredit this brand and recommended his brand. Couple of days later he text me a photo of four tires in his garage. and i replied back and said denied- i do not want. two days later i called ACIMA and told them that the tire the merchant text were not new and they seems to be laying in his garage for a while. I want them to cancel. They refused. they told me i should talk the merchant to send them a cancellation invoice I told them that he refused and he wanted me to pay him {$100.00} dollars. I do not received the tires and ACIMA keep debiting my account. They took {$53.00} during the initial application and another {$25.00} onXX/XX/XXXX as  a monthly payment
Product: Debt collection

Viking Billing Services is attempting to collect a debt for XXXX car rental. I do not owe XXXX car rental and did not rent a car from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Resources : 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | LII / Legal Information Institute ( XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | LII / Legal Information Institute XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My daughter of over 18 years rented and apartment without my consent and I do not even know where she lived and defaulted. The rental and collection agency have put the default on my record. 
XXXX. My social security number, dob and address are different from my daughter, why would they even think about putting it out on my file without even calling me. I dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 These inquiries are Unuathoirzied on my Transunion Report ... after speaking with number associates to get deleted and none of them helped, ,so I brought the issue here, ,we would like these Inquiries removed IMMEDIATELY.
Product: Mortgage

I applied for Hardship around the begining of XX/XX/XXXX, with many times being told to send in this information and that paper I was denied with CLEAR evidence of my hardship from letters from my Doctor 's etc and lost 50 % of my income. They still added up late fees during my hardship application that they said were not going to get assessed. They would rather have my home go into forecloser than help. I am a XXXX and obviously will have work after having, XXXX. that is pretty much common sense this day with all of the XXXX shortgage in the USA.
Product: Credit card or prepaid card

I put a deposit on this credit card when I opened it in the amount of {$250.00} dollars. XX/XX/XXXX I called the company and closed the account. The company is still charging late fees and high interest fees.
Product: Bank account or service

I tried to deposit {$840.00} into an ATM machine near my school, however, ir sucked my money in. Then, instead of counting it, the machine ate my money and read error. I reported to the problem to the USBank, and they put {$840.00} temporary deposit into my account on XXXX/XXXX/2017. However, they reversed {$480.00} back on XXXX/XXXX/2017 and noticed me that they decided I only deposited {$360.00} into the ATM. 

I absolutely made a {$840.00} deposit into the ATM. I tried call them, and was transfered to over five person, no one actually helped me! The last one told me to go to the bank branch. When I went to the branch, the clerk and manager tried to transfer me to somewhere else by asking me to call the customer service. At last one manager assisted me to file another claim, and told me to expect the answer in 10 business days. However, three weeks passed and not a single notice has been given. 

With about five years use of USBank checking and saving account, I have never owed the bank for a single XXXX, but they tried to " steal '' {$480.00} from a student and leave me no reasonable explanation.
Product: Checking or savings account

Received text message from Wells Fargo of unusual activity with my personal checking account on XX/XX/22 for a {$300.00} withdrawal. I am the only holder of the card. I do not share the card with anyone. The card was in my physical possession. 

Logged into account to find 5 rejected drafts from the ATM on XX/XX/22 for {$300.00} a piece. 
Found two overwritten drafts from the ATM on XX/XX/22 for {$700.00} and {$300.00}. 

Contacted customer service on XX/XX/22 to report activity and closed card and order a new card. 

Upon arriving home the same day from work logged into my joint account with my husband and found two tele transfers from my joint checking account to my individual checking account ; {$1200.00} and {$580.00}. 

Contacted customer service again on XX/XX/22 to report unauthorized transfers from my joint account to my individual account. 

Wells Fargo claim center looked into the dispute and concluded myself or someone I had authorized accessed my account at an atm in XXXX, TX. 

Received Claim documents from Wells Fargo XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
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 re-investigation of disputed information on my credit report, leaving in accurate are unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experience, alleging system 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 our amend the disputed accounts as experience in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to rent an apartment and I was rejected because the report says that I am a XXXX XXXXXXXX. Somehow in Colorado. But I am not a XXXX XXXXXXXX. I have been in trouble for XXXX XXXX  but that is all. Why is Experian telling my potential thati am a XXXX XXXX. And putting this on my credit report? I am going to sue. Whoever had a hand in this false information. They told to his to the XXXXXXXX XXXX XXXX XXXX  : my potential landlords. I want to know who put up the false information about me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed and charged off my account without proper notice and charged off more than my original balance they refuse to acknowledge the XXXX dollars that I paid them when I believed my account was still open however they closed it without proper notice, then charged off XXXX! I have notified them several times to correct this or stop emailing me to pay an amount that I do not owe. They continue to ignore my emails back to them to correct this and continue to harass me for XXXX yet when I check Experian they charged off XXXX thats illegal and violating my rights.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 paid off outstanding loan. Check from the escrow company that paid Best Egg on my behalf was {$2600.00} more than loan balance as I had continued to pay my monthly instalments even as my re-finance applicaton was being approved and processed. 
XX/XX/19 I called to confirm my mailing address for Best Egg to send my refund check. 
XX/XX/19 I was told my check had been mailed on XX/XX/19 and returned unopened. Another check would be sent and should be received by me by XX/XX/19. 

XX/XX/19 No check yet. Spoke with XXXX XXXX, Loan Manager, who told me a check had been mailed out on XX/XX/XXXX and if I have not received it then I need to wait for them to find out what happened to that check before they write a third check. Once again I confirmed my mailing address and asked them to send it via registered mail. 

I also sent a registered mail complaint to the CFO of MarletteFunding/Best Egg, asking for a resolution to this problem on XX/XX/19 and I have not heard a thing from either him or a Best Egg representative. 
So my money is being held hostage and nobody seems to have a straight explanation or time span it will take to address this problem.
Product: Debt collection

I contacted both the collection agency and XXXX XXXX where the bills were incurred. So, I contacted XXXX XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and uploaded the proof I have from NC State Medicaid stating that I indeed had Medicaid at the  times. So, they stated that I didn't show my Medicaid card at the time of the procedures, which two were done at XXXX XXXX Hospital and the one that was deleted was done at their facility, which is not true, because all the years that I've had Medicaid, I have never forgotten to give my card to the health provider and Medicaid can attest to this, because we have never encountered this problem before. Medicaid stated they were not going to retract and pay because the provider didn't submit the bills in a timely manner and it wasn't my fault that they didn't do so. So, I contacted the credit bureaus and gave all the information to all of them and disputed the the charges. They deleted one of the bills, but not the other two. So, I called XXXX when I received the results and asked why only one was deleted and they stated that they didn't know why and for me to call the collection agency and that I should contact Consumer Financial Protection Bureau, if I couldn't get it resolved after talking to the collection agency. So, I called and to their surprise they had no idea that one had been removed and that I needed to pay the bills, so that's when I called CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out some letter To Verify The Accuracy On my Credit Report. I have not receive a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be deleted. the Companies were unable to provide me with proof of the supporting documentation. This is embarrassing and damaging to my reputation as a consumer. I need financing for a new house. I damant they block and remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

As much as I appreciate the Credit Bureaus in removing some of the disputed accounts that resulted due to identity theft, I am still disappoointed in seeing that they have not completely removed all the disputed accounts. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The Account XXXX with and account number XXXX Date Opened : XXXX and Balance : {$1300.00} was opened due to fraudulent activity and used my information without my knowledge or authorization. I have been disputing for the removal of this account from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this account to be properly investigated and removed. the Credit Bureaus continued reporting of this account is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this account is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. It has ben over 30 days since I started to dispute this account and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this account.
Product: Credit card or prepaid card

Ive called multiple times to stop solicitation offers and I am on the do not mail list. This is a continuing problem and I have asked to be removed from their list on multiple occasions by taking the time to call them. Im still receiving unsolicited offers.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute with Experian regarding inaccuracies present on my credit report. My initial attempt to address these issues with Experian took place on XX/XX/XXXX, and to date, I have not received any response concerning the concerns I raised. Below, I outline the inaccuracies that require immediate attention and resolution : Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$320000.00} Issue : This account is not associated with me. I request that Experian remove it from my credit report. 
Account Information : Creditor : XXXX  Date Opened : XX/XX/XXXX Balance : {$5000.00} Issue : The balance stated is imprecise, and the past due section is inaccurate due to a closed and charged-off status. I intend to discuss the discrepancies with the creditor. Until rectifications are made, I request that this account be marked as disputed. 
Account Information : Creditor : XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$35000.00} Issue : This account is not mine. I request that Experian remove it from my credit report. 
Account Information : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$28000.00} Issue : The creditor is inaccurately reported, and the balance stated is higher than what I remember. I dispute the entire account due to these inaccuracies. Please verify the Date Opened and Date of First Delinquency.
Product: Debt collection

debt is not mine.. collection from XXXX XXXX XXXX of XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX  : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXXXXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.