23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allow a fraudulent accountS XXXX XXXX to be reinserted that was previously deleted. They are required to provide a notice of reinsertion to the consumer within five business days of such reinsertion which I was never notified. THIS IS A BLATANT VIOLATION OF MY RIGHTS PER THE FCRA. THEY ARE ALSO REPORTING THIS FRAUDULENT account as a CHARGE OFF but with a past due balance which is another VIOLATION OF MY RIGHTS PER THE FCRA. THEY NEED TO DELETE THIS FRAUDULENT ACCOUNT OFF MY CREDIT REPORT.
Product: Credit card

We transferred payment in full on our card, the bank received it and posted it but did not credit it for 7 days. This despite the fact that the funds came from an account at the same financial institution. Meanwhile, our card was declined and we incurred late fees as a result -- again from the same financial institution! Discussions with multiple customer service reps involving hours of phone calls over a one week period led to no answers. A promised call from a " manager '' never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The Vehicle was voluntarily surrendered as it was deemed to have been a hazard on the road XXXX. The lender took several months to come and pick up the vehicle in which I was handed the document of their receipt of the vehicle. I was advised that once they closed their records they would be forwarding me the final balance owed. Since the reported date of XX/XX/2021 This action never took place instead they kept the full balance on my credit, I was notified by California XXXX that the title of the vehicle was released after I had to send an email showing that I was no longer in possession. I tried contacting the XXXX XXXX XXXX to find out what the final balances were and was told that they would send all of that information once they had closed the record and updated the amount after Auction. This was never done and now over two years later they are refusing to update the balances owed. Also never received collection calls regarding this debt to date. When calling them they don't show my records either. This is affecting me being able to obtain housing as the credit line item states that I owe {$18000.00} which was the amount I had left to the entire loan term, and several requests have been sent for them to correct there records and they all have gone unanswered and I have had 4 dispute attempts with the three credit bureaus. Still no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX thru XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Credit Report Dispute - Inaccurate Reporting Dear, XXXX I am writing to formally dispute an inaccuracy I noticed in my credit report under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the disputed account : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX  Nature of the Dispute : The account is reported as Paid, Closed. {$100.00} written off. However, this is inaccurate. Based on my records, there is no amount that should have been written off as I fulfilled all obligations prior to the closure of the account. Additionally, the payment history displays severe delinquencies for months during which payments were either made or the account should not have reflected such derogatory marks. 

For example : The report lists delinquencies for XX/XX/XXXX to XX/XX/XXXX, which is incorrect because the account was closed and fully paid off. 
The account comments state Account previously in dispute - investigation complete, but there is no documentation supporting the resolution of this investigation, and the findings appear to be inconsistent with my payment records. 

I have attached the necessary documents to support my claim, including : 1. Proof of payments made during the alleged delinquency period.

2. Confirmation of the account closure with no outstanding balance.

I kindly request the following actions : 1. Investigate and correct the inaccuracies on this account. 
2. Remove any delinquency marks from the months of XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX 
3. Provide me with a corrected credit report. 

Please conduct a thorough investigation and let me know the outcome within the required 30-day period. If you require additional information or documentation, feel free to contact me at XXXX XXXX XXXX XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

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

I am continually being called on the telephone by this agency over these alleged debts. I am requesting validation of this debt.These accounts had been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled these accounts and they were not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX XXXX ( Credit Card )
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting two XXXX XXXX 4 year old charge offs every month as if the charge offs are new ( see attached pics ). This has caused me to be turned down for a HELOC recently. They are showing up as open on myfico, the data base most companies use. This is a violation of my right to have an accurate credit report under the FCRA.
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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX/DEPT OF ED Account number XXXX XXXX/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

ccount name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.
Product: Debt collection

I never received notice from LVNV that I was being pursued for a debt. I did not sign any contract for services not any contract  with LVNV. Because o was not advised of my rights to dispute I paid a settlement to LVNV however o am not liable for any debt to them.
Product: Debt collection

15 usc 1692c ( c ) I am not liable for this debt of XXXX XXXXwith XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested my wet signature and ID verification. Therefore please remove immediately
Product: Credit card or prepaid card

XXXX going thru hardship financial I had lost my job due too false allegations felony charges in my name the interest rate is too much for me too pay my monthly bill on time
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified by the XXXX credit bureaus ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected : XXXX XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$700.00}
Product: Money transfer, virtual currency, or money service

Good morning, On XX/XX/2023 I added {$200.00} into my CashApp account. That very same day on XX/XX/2023, I attempted to transfer {$200.00} from my CashApp account into my XXXX account. I was using my CashApp XXXX card ending in # XXXX. I added the CashApp visa card ending in # XXXX into my XXXX account and requested the {$200.00} transfer. When I hit submit in my XXXX account the transaction in XXXX was denied. I couldnt understand why because I had {$200.00} in my CashApp account. I wanted to confirm that I had the funds and when I looked in my CashApp account, to my amazement the {$200.00} was taken out. It stated on the transaction history that the payment was completed. I contacted both merchants and everyone is telling me the opposite. XXXX is showing that the payment was denied and CashApp showing that it went through. Nobody is trying to help me. Cash App wont do a conference call with XXXX to confirm the transaction due to recorded phone calls. Its against there policy when they are speaking with a 3rd party to have phone calls monitered. This to me is a red flag. I was advised by CashApp to file a claim and I filed 2 claims, # XXXX and # XXXX. Unfortunately that same week, I did receive email communication that both claims were denied. I asked CashApp for a transaction number for the approved payment from XXXX and they could not provide me with that information. I requested documents that they used to determine a denial and they sent me a 1 page paper with basically the same info that I am seeing on my CashApp dashboard with no reference or transaction number for the approved payment. I contacted XXXX and they were helpful and provided me with a transaction number for the declined transaction. I tried to provide this number to CashApp and they didnt even want to use it. I am know stuck in a situation where my {$200.00} that I worked for is lost and both merchants CashApp and XXXX are saying the opposite. What am I as a consumer supposed to do. This is my hard earned money. Its the holidays and {$200.00} just disappeared. I am very saddened and have exhausted all avenues and this is why I am reaching out to you for assistance. I have attached information and communications between both CashApp and XXXX. 

CashApp ID : XXXX XXXXXXXX XXXX ID : XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$35000.00} XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Please comply with the Fair Credit Reporting Act and have the disputed accounts corrected as soon as possible.
Product: Checking or savings account

{$2500.00} taken out of my account without my permission around XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern, The response to your research is something I strongly disagree with. The following inaccurate information is still on my credit report even after your examination. There are good reasons why I ask that these things be looked into again right away. The impact of these errors on my XXXX XXXX is substantial. 
Furthermore, I require tangible proof of the information being validated rather than a computer-generated affirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. 

Could you please supply the following? 

For me to follow up, please include the names and business addresses of all the people you checked the information with. 
The date that you got in touch with each information provider. 
the communication channel that was utilized to confirm the data. 
Additionally, I would like to know if the furnisher gave you my address, XXXX, or XXXX. 

Please send me an updated credit report after you've finished your inquiry and made the required changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, DEPTEDXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent XXXX disputes to Equfax about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.
Product: Checking or savings account

On XX/XX/24 I issued a wire transfer of {$50000.00} ( daily limit ) to one of my own external bank accounts. And on XX/XX/24 I issued another {$50000.00} again to same external bank account. Both transfers are to be used for a property purchase. I received a few emails on XXXX stating the wire transfers were pending but that I did not need to do anything. Then again on XX/XX/24 an email to authorize the transaction where I had to click Yes to authorize the transaction. Then I received another email to call their number to verify the transaction. I then made a 30 minute phone call with Citi Bank ( long-distance from XXXX ) and correctly verified all of their questions. I was told nothing else was needed. I received one of my wire transfers on XX/XX/24. However on XX/XX/24 without any other communication via email or phone call the other {$50000.00} wire transfer was canceled. Citi bank clearly has my email and phone number and has already received numerous verifications from me. There is no reason left for them to withhold my money and refuse my wire transfers. They did not give me any other communication regarding why the wire transfer is still on hold and then canceled. Citi bank is unlawfully withholding my funds. As a customer I can not rely on this bank to give me access to my funds when I need it. I've had to change the closing of a property purchase this week because of Citi bank not performing the wire transfers or giving me any other option to access my funds.
Product: Mortgage

newrez was our previous mortgage lender because we just did a refi. We had an escrow account. They were supposed to pay our property taxes for the first half of 2024. The money disappeared from our escrow account on XX/XX/2024. And as of now ( XX/XX/2024 ), XXXX XXXX still hasn't received it. It's been almost a month. Where's the money? I've heard similar complaints before. Now it's happening to us. This smells like a dishonest company.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX1 Formal Dispute Regarding Inaccurate Information on my credit report.

Dear Equifax I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal Law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigation that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled on a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX