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

I filed a dispute for Midland Credit to be removed. XXXX denied the follow up with the investigation that was notified by CFPB. They alleged the company accept unreliable information, failure to notify consumer dispute results. XXXX has not attempted to remove, nor correct the information. XXXX violates my rights as a consumer, as well as federal laws.
Product: Vehicle loan or lease

Victimized by predatory lending when purchased used car. My credit score was not even that low to merit a sub prime lender. The lender immediately started imputing fees and I got further and further behind. They called 10-20 times a day, seven days a week and when I asked them to stop but rather put it in writing they said I had a cease and desist order, of which I never did. They said I missed two payments ( $ XXXX/mo ) in the life of the loan and on XX/XX/XXXX they repossessed my car. I purchased the car XX/XX/XXXX for {$12000.00} and to date have paid more than {$10000.00}. According to the lender, because of the " simple interest loan '' and my outrageous APR ( 25 % ) I still owe them {$11000.00} and now my credit is ruined and I have no car. HELP PLEASE!
Product: Credit card or prepaid card

Citibank lowered the credit line on my Mastercard from {$4000.00} to {$3300.00} for no known reason. I have paid every payment on time, all my debt is current, and I am not in default on any credit account This action is the as the result of one or more of the following events : I am XXXX  I am a male I am a XXXX I am married to a woman I am over XXXX years old There is a Shelter in Place in the County where I live.
Product: Debt collection

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Student loan

I made a payment to my student loan on XX/XX/year>. The money was withdrawn from my checking account a few days later. When I check my account balance it shows no payments have been made. Email sent regarding this with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$8800.00} US DEPT ED XXXX Balance : {$9300.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1100.00} US DEPT ED XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$8500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$7600.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance XXXX {$8600.00} US DEPT ED XXXX Balance : {$3300.00}
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general 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.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.
Product: Debt collection

Oliphant USA llc have my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent
Product: Checking or savings account

I opened an account with Chase Bank on XXXX of XXXX in an effort to move away from XXXX XXXX. 

Once the account was opened I funded the account with XXXX from my XXXX  account On the XXXX I called Chase bank as there was a discrepancy in their information. Chase 's customer service stated the ACH transfer was complete however Chase 's website and that team said that the transfer had failed. 

To rectify this I canceled the ACH that had been completed and somehow failed at the same time. 

The afternoon of XX/XX/XXXX I intiated an instant transfer from XXXX  into XXXX. I then initiated another instant transfer into Chase bank. 

This series of transactions completed within an hour with my XXXX XXXX  showing {$0.00} and my Chase account being funded with ~ {$1300.00}. 

On the XXXX my Chase account was closed and access to my Chase account was removed. 

I called Chase to try and understand what occured. Nothing could be done and I have no way of accessing my funds ...
Product: Credit reporting

I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three Credit Bureau : Transunion, XXXX, XXXX have fail to investigate my credit report with many errors per line per account. The credit Bureau stated my account was properly investigate but how is that possible if the open date is inaccurate, last date verified is inaccurate, last activity date is inaccurae, creditor type is listed with two different descriptions of the creditors, the account type is listed with two different descriptions, the history payments are inaccurate, closed dates are inaccurate for these accounts Account # XXXX XX/XX/XXXXl XXXX Account # XXXX USDA / XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX Collection Account # XXXX XX/XX/XXXXCollection Account # XXXXXX/XX/XXXX Collection This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S. C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My checks would take forever to clear meanwhile most of my transactions were going through and I would accrue tons of OD fees.
Product: Credit card

1. applied for XXXX XXXXXXXX credit card, no annual fee 0 % interest for 12 months on purchases and balance transfers. approved. got XXXX XXXX card in mail and set it up online. within one billing cycle I was charged 29.99 % interest. Tried to resolve with XXXX and was told my card doesnt have those terms. no assistance or resolutiuon 2. Edward Jones XXXX XXXXr Card, approved XX/XX/year>, managed by elan financial services. Exact same fraud noted in this credit card as listed in point one. I moved my expiring 0 % balances from other credit cards to Edward Jones for a 12 month 0 % interest APR on balance transfers and purchases then was with large fees for balance transfers, interest at 29.99 % on transfers and purchases. Spoke to XXXX on XX/XX/year> rep ID XXXX who was unable to assist me
Product: Checking or savings account

XXXX XXXX returned funds to SOFI on XX/XX/24 for the amount of {$710.00}. The amount never came into my account. I spoke with XXXX and their third party XXXX and they sent me proof along to SOFI that the funds were returned. I have placed multiple disputes and emails with SOFI to get my money back but they refuse to look into it. XXXX sent them a Bank XXXX XXXX form and a phone number XXXX and case # XXXX. Sofi refuses to look into this and I have emailed them multiple times with proof and have been contacting supervisors. The time frame has now been over with and they are not providing provisional credit. The back office is claiming the merchant has to get back to them but I have spoken with the merchant and they have proof SOFI 's back office is not getting back and they have sent them multiple requests. When speaking with a sofi manager, they claimed there is nothing they can do because the funds are in grey middle area where both companies do not have access to until things are resolved.
Product: Credit card or prepaid card

My cashapp card was charged about 9 times from a company that I never heard of, first the company tried to charge me {$100.00} which was declined, I contacted cash app and they said do not worry it was declined because I didn't have enough money in he account, then the next week on the morning that my direct deposit was deposited the company XXXX XXXX  ) took out all my money in about 9 transactions in a matter of minutes, I contacted cashapp, through the app on my phone and put in disputes for every transaction which happened on XX/XX/2022, so far cash app only refunded 2- {$10.00} charges. Please help. 

It seems like cash app isn't showing every transaction on my statement now, on the day it happened it showed a total of about 11 transactions, now it only shows 9 transactions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that XXXX conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect XXXX, XXXX, Experian to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.
Product: Money transfer, virtual currency, or money service

I created my Gemini account on XXXX XXXX, it's been over 3 weeks now and my account still says verification is pending I am able to deposit money but not able to withdraw, I even sent a report to Gemini support on XXXX XXXX  it's been a week now and I still haven't got any response. 

The email address I use to sign up on Gemini is XXXX XXXX
Product: Credit reporting or other personal consumer reports

trans union is reporting XXXX XXXX XXXX XXXX XXXX on my account after being notified of identity theft and fraud these account and balance do not belong to me I have reached out on this numerous times now
Product: Credit reporting or other personal consumer reports

transunion refuses to increase my XXXX score after they illegally and unethically pulled my mortgage information and deed from XXXX XXXX online and the internet. TRANSUNION is directly responsible for me being denied an apartment, a credit card, and other credit due to their illegal incompetence and violating FCRA. there is NO reason for illegally dropping my XXXX AND XXXX score XXXX points on XX/XX/XXXX after illegally and unethically pulling my mortgage information from XXXX XXXX. TRANSUNION have NO right to be pulling this mortgage information and including it on my report, then DROPPING my credit score XXXX ( XXXX ) points arbitrarily and capriciously because of it!!. I have paid ALL BILLS ON TIME INCLUDING MY MORTGAGE AND CREDIT CARD FOR WELL OVER TWO years now!! I am a XXXX veteran and transunion is causing me pain suffering and emotional distress and making me homeless!!! stop this immediately and raise my XXXX and XXXX credit score XXXX points to where it was before you arbitrarily lowered it for no reason!! I have reported TRANSUNION to the XXXX and the Florida attorney general in this matter for prosecution and action!! I WILL SUE TRANSUNION if you DO NOT raise my XXXX and XXXX score to what it was BEFORE XX/XX/XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint here using this service a few day ago and the company XXXX XXXX XXXX responded quickly with the statement essentially saying they had ordered my credit file they reported wrong be removed from the credit bureaus but thus far it has not been done. 

This company is known for violations and will unlikely obey the law Ive learned through research. 

Please begin a new complaint with regards to XXXX XXXX and XXXX XXXX XXXXXXXX and please make note that XXXX XXXX XXXX should be held in contempt. 

Im including the file Pic if there submission.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint for XXXX XXXX XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to ALLIANT CU to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has ALLIANT CU complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). 
Attached is the letter that was mailed on XX/XX/2023 and an updated FTC identity theft report.
Product: Credit card or prepaid card

Application was denied lending service was rude to me and pull my credit for nothing It was denied for having too many credit cards open which is not true I never received a letter from chase and I was told it will be in my chase log in but I never had a chase online account at all. Someone open one up without my permission my application wont be considered by chase and they refuse to look at it it was XXXX XXXX credit card I applied for. 

And I want this inquiry removed for false advertising or my application looked at again
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX  XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 collection agency tried to collect on a loan I did not take out with Maxlend Working with Maxlend I was able to verify I did not incur the loan- Maxlend never acknowledged this however in XXXX of XXXX received letter from collection company that case was closed Maxlend refuse to give me information or letter of apology for mixup or improper use of my social security number Ive received an I 9 from their parent company makes XXXX  XXXX XXXX XXXX XXXX XXXX ND XXXX with a disconnect phone number XXXX showing loan was discharged
Product: Mortgage

My husband and I are experiencing a nightmare. We've been caught between our mortgage lender " LoanCare and XXXX XXXX XXXX XXXX '' and the HOA provided insurance from XXXX XXXX ( in the XXXX XXXX where we live ). For 3 years, XXXX XXXX 's insurance has covered the exterior of our home and 45 other homeowners. 

I got a new phone ( after smashing my previous phone in a bicycle accident ) so most of my correspondence has been lost due to transfer, however, this has been an ongoing issue since XXXX. In XXXX of this year, it seems to have become unresolvable without intervention. I phoned LoanCare and XXXX XXXX XXXX XXXX, in XXXX through XXXX + uploaded ( to their portal ) all the proof of insurance showing appropriate coverage for the exterior of our building. All 45 homes in our community are covered by XXXX XXXX 's policy and not one other homeowner has had these issues with their mortgage provider. Loancare refuses to accept our H.O.A. provided insurance and claims that it does not provide Wind/Hailstorm coverage for the exterior of our home. I don't have any way of modifying the insurance and we are caught in the middle. Not only have we become exhausted by sending every detail to Loancare but in addition, XXXX XXXX has faxed, emailed, and sent a hard copy to Loancare with proof that it DOES cover our exterior for Wind and Hailstorm. Again NO OTHER HOMEOWNER IS BEING HARRASSED ABOUT THIS HOA PROVIDED INSURANCE. Our family has endured more than 6 months of aggravation and emotinal stress ( damages ) and we're at our wits end. I have even gone to the extent of providing our personal interior homeowners insurance ( through HIPPO ) showing that - in the event of exterior damage leading to interior damage of things like cabinets and countertops - it would be covered. 
Our LoanCare statement shows that in XXXX Loancare debited {$2200.00} from our escrow account for " XXXX XXXX '' and that Loancare additionally debited {$340.00} in XXXX for our personal homeowners insurance which we JUST PAID from our private account on XX/XX/XXXX. We are currently experiencing financial difficulties due to COVID-19 so this has become a survival issue. I would request damages and lost time here if it were possible. We, at very least, demand that Loancare issue an immediate refund before XX/XX/XXXX so it does not effect our ability to pay our property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is for my XXXX XXXX card that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX XXXXhey said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properly investigate 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.