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

Subject : Dispute of Inaccurate Information and Failure to Comply with FCRA by Clarity Services Complaint Details : I am filing this complaint regarding Clarity Services failure to process my dispute of inaccurate information on my credit report. Below are the details of my concerns : Improper Rejection of My Complaint : Clarity Services claims that my complaint submitted through the CFPB portal was not authorized or submitted by me. This is incorrect, as I personally submitted the complaint and provided all necessary information to validate my identity. Their rejection based on this claim is both inaccurate and inappropriate. 
Failure to Investigate Under the FCRA : According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. 
Clarity Services has not adhered to this obligation. Instead, they referred me to their internal dispute process, which I believe is an attempt to delay or avoid their legal duty to investigate under the FCRA. 
Obstacles to Dispute Resolution : Claritys process requires multiple identification documents and does not allow for electronic submission, which imposes an unnecessary burden on consumers. This process contradicts the intent of the FCRA to make dispute resolution straightforward and accessible. 
Unfair Implications About Credit Repair Services : While I understand the Credit Repair Organizations Act ( CROA ), Clarity Services response included irrelevant commentary about credit repair companies. This appears to be a deflection tactic and does not address the core issue : their failure to investigate my dispute properly.
Product: Vehicle loan or lease

I leased a 2023 XXXX XXXX in XXXX of 2023. I noticed in XXXX the lease payments had not been reported. I contacted Honda financial and they told me they are reporting the payments and to contact the credit bureaus. I was confused because I was under the impression this was the finance companies responsibility. I then contacted the dealership and they agreed ( with me ) that it should be reporting on my credit. They advised me to call Honda financial back. They then advised me to give them XXXX  days they will need to reset the reporting. As of today, there is not any reporting on my lease payments and it has been XXXX months since I leased my vehicle.
Product: Money transfers

I received a {$2000.00} payment via Venmo. I saw the amount clear into my Venmo account and had a balance reflecting the payment. Upon attempting to transfer the money to my bank account, the transfer was cancelled and Venmo informed me that because the person who paid me was a scammer, I had no claim to the money and they would not transfer the any amount of money to my bank. 
I contacted them trying to understand how it is possible to simply erase {$2000.00} from my account without compensating me for anything and they ultimately responded with " The person who paid you used stolen funds, therefore we are unable to complete the transaction. We regrettably are unable to allow you to transfer stolen funds to your bank account. '' They refuse to reimburse me for the fraud or offer any compensation for a previous account balance.
Product: Credit reporting or other personal consumer reports

I am in shock. I took a look at my credit report and noticed several accounts I did not open or even apply for. I notified the companies to let them know I did not apply for these accounts however the accounts have been repeatedly reported negatively to my credit profile. These negative accounts are stopping me from moving to another level in my life. Which is causing XXXX  XXXX. I am at the end and I do not know what else to do about these accounts. 

These big name companies with big pockets are violating my rights and hurting my small pockets. Virtually and financially XXXX XXXX Keeping me in poverty and unable to survive and sustain the american dream. I know this is wrong morally and according to the law 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.

I have attached a copy of my identity theft report. Thank you for your attention to this matter.
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 to dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence that I have provided, causing ongoing harm to my credit standings. I am requesting immediate corrective accounts and Experian 's inaction violates the federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please update this account immediately. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free credit report from Equifax on XX/XX/2021. This is the first time I have requested a credit report, so I have not previously used my " free '' one. It is now XX/XX/2021 and I still have not received the report or any other contact from the company. My free reports from XXXX  and XXXX, which were requested on the same date, both arrived very quickly.
Product: Debt collection

I received an e-mail stating I owed a debt to XXXX XXXX XXXX which originally was a debt owed to XXXX XXXXXXXX XXXX, XXXX. account. 
I called the listed number, XXXX ( XXXX ) XXXX. I entered the fake account number listed in the e=mail, XXXX, and was notified that I owed {$6000.00}. 
The e-mail they say in the original e-mail to me to contact them is XXXX. 
Im sure I do not owe such debt. 
How do I stop them and is this on my credit report? 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian i submitted and fraud report because I was apart of the XXXX  data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a, which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.
Product: Checking or savings account

I had originally filed this complaint and it was not addressed. Now wf continues to send me letters saying a mediator will call but they never.do.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called Check N Go which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or Check N Go in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX and XXXX are pending.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam where I sent money via XXXX on XX/XX/year> to XXXX XXXX for {$150.00} and {$1.00} totaling {$150.00}. This was a deposit for a flooring project but the work was never done. 

Chase had denied my claim saying it was my fault.
Product: Mortgage

Upon applying for a HELOC loan from Bank of America, we were told if approved the bank would be responsible for making the payoff for all the accounts. 
XXXX Bank did not receive a payment for this credit card. the first payment according to bank of America the first payment was mailed on XX/XX/2022, this check was not received by XXXX Bank. A stop payment was placed on this check # XXXX on XX/XX/2022, and a new check ( XXXX ) was issued. 

The second check XXXX, was mailed to XXXX Bank which has no business relation with XXXX. This check was cashed on XX/XX/2022, by XXXX bank and Bank of America representative told me chase cashed on XX/XX/2022, even as I reported that XXXX said they have not received or cashed a check from bank of America. Please the documents and the circle I made at the endorsement of the check. It's now XX/XX/2022, and XXXX still have not received the payment and I was told that my account is in danger of closing.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit card

Synchrony bank reran my credit without my authorization, while I was a year into making payments. They ended up closing my account causing my credit score to tank a XXXX plus points based upon incorrect information. I have tried to work with them and get this taken care of with no results other than I make payments from them. They have also called about 20-30 times on a robo caller after being informed not to do so. That is also been reported. This is in reference to the mattress firm account with them.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( Date ), I sent a letter to equifax notifying them of the reinsertion of XXXX XXXX bank account number XXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA XXXX XXXX ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have   appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX  Acct XXX Bal {$400.00}, ICS # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
Product: Debt collection

I have a collection account from I.C. SYSTEM, INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting 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. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Product: Credit card or prepaid card

I have a secured credit card via XXXX from XXXX XXXX XXXX XXXX. I have had this card for over a year, missed no payments and have been an excellent account holder. They did not allow me to transition my secured credit card to an unsecured credit card as the terms and conditions stated. I surpassed 6 months of timely and responsible account handling quite a while ago. I should mention my US Bank secured card ( also part of XXXX XXXX XXXX ) did transition me to an unsecured card several months ago. There should be consistency among branches of the same bank ( XXXX ) and they should uphold their terms promised by XXXX when a customer opens a secured card.
Product: Checking or savings account

XX/XX/XXXX - I contacted M & T Bank ( XXXX NY ) to close out a CD ( {$25000.00} ) account. They could not find a record of the account. Account was originally with XXXX XXXX  ( XXXX, MD ). XXXX Bank folded in the financial crisis and their bank assets were sold to M & T Bank in XX/XX/XXXX. M & T Bank said they would " research the CD and  contact us with results ''. They gave us no point of contact or any identification number/name for who could be contacted about that action. We heard nothing for over a month. 
XX/XX/XXXX - I mailed a certified letter to M & T Bank asking them to give us a point of contact or other information so we could be kept informed of progress. A copy of the CD was included with the letter. I received no response to that letter. 
XX/XX/XXXX - Having heard nothing, I called M & T Bank Customer Service to find out the status of the CD search. I talked to several people ( who checked with their supervisors ). They had no record of the certified letter I sent ( I have the USPS receipt that M & T Bank signed on delivery ). They did not know anything about the CD or what was being done about it. The phone call ended with no explanation of what could be done next to find out what, if anything, is being done to find the letter or otherwise resolve this problem. A copy of the letter to the bank is attached.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE DEMAND DELETION OF FRAUDULENT XXXX ACCOUNT ( XXXX ) VIOLATIONS OF FCRA 607 ( b ), XXXX XXXX XXXX XXXX To Whom It May Concern : I demand the immediate deletion of the fraudulent XXXX account ( XXXX ) from my XXXX and Equifax credit files. This account contains provably false future-dated entries and violates federal and Texas law XXXX Failure to comply will result in legal action for statutory damages. 

Critical Errors & Violations Future-Dated Entries : Date Opened : XX/XX/XXXX ( impossible, as todays date is [ current date ] ). 

Last Reported : XXXX XXXX ( future dates ). 

Payment History : Shows OK and 30/60 Days Late payments for XX/XX/XXXX to XXXX XXXXdates that have not yet occurred. 

Inconsistent Reporting : Terms : 24 months ( XXXX ) vs. 0 months ( Equifax ) XXXX 

Date Last Active : XX/XX/XXXX ( Equifax ) vs. XX/XX/XXXX ( XXXX ). 

FCRA 611 ( c ) Violation : If previously deleted and reinserted, you failed to notify me in writing within 5 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misrepresenting debt details ( e.g., future dates, conflicting terms ). 

Legal Demands Permanently delete account XXXX within 5 business days**. 

Send written confirmation of deletion and revised credit reports. 

Cease unlawful reporting of this fraudulent account. 

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the XXXX CFPB Consent Order against XXXXEquifax XXXX 

Texas Attorney General Complaint : Under Texas XXXX ( statutory damages up to {$20000.00} ). 

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ). 

Contact Information Phone : XXXX Email : XXXX CC : CFPB, Texas Attorney General Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX I made my XXXX mortgage payment. I saw on my BofA statement that it had gone through. A week later XXXX informed me via text I was almost at {$0.00} in my account. Something that I knew had to be some mistake. I found out through research that Chase had taken a 2nd payment in my previous amount ( prior to escrow change ). I had changed that to the new amount 2 months before however they continue to insist I went online and did it -I did not. When called on this Chase said they 'd reverse but it would be 7-10 days. 
I was leaving the country so I called BofA and they said they 'd cover the amount till it got reversed, They did n't say they would do that by sticking their hand into Chases pocket. 
So then there were several reversals and Chase took money back using my original XXXX XXXX payment to cover themselves and then reported us to the credit bureaus as XXXX not being paid -dropping our scores considerably. 
I was not aware of any of this till I returned home and then all Chase wanted was another XXXX payment. I had statements showing it paid and did n't want to pay more till this was resolved, that took over a week. At that point when we finally unraveled everything I paid XXXX again and XXXX but our credit was already negatively affected. 
Chase eliminated the " late fee '' but refuses to contact the credit bureaus for a reversal claiming it was n't their fault. It was n't ours, we paid in full and on time the rest was one mistake after another none of them ours. We had been paying Chase on time for 7+ years. 
Even before we had planned to refinance our loan. Now our mortgage person wants us to try and fix this before he proceeds so here we are as he recommended.
Product: Payday loan, title loan, or personal loan

I took a loan out with Checkngo ( Axcess Finance ) of XXXX, SC... I pd well until I simply asked the Mgr to hold the account from that Friday to Monday because I was having issues with my pay check and I didn't want it to bounce ... She responded as they dont hold accounts and I best put the money in the account.. I said there would be no way until Monday. She said well if it bounces she would continue to run the ACH everyday until it pd.. It told her i couldn't afford to pay the NSF fees.. She said well put the money in the acct.. She lived to her word and ran the ACH several times running up approx 400 dollars in fees... I was really mad about and called the Home Office... They assured me that they would fix the situation if I pd XXXX dollars to which I did ... About a week later they ran another ACH without any word of so and it bounced... I called the XXXX  again and they said they were very sorry and said they would fix it... Well the fix was to Charge Off the acct... I have great credit except for this account... The Company soldthe debt to a Collections place and they told me if I would pqy it off they would assure me they would get with Check and Go and have all negitive information in it entireity removed... I pd the account in full that day... Please live to the Companies word and remove all information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission to XXXX consistently responding within 24 hours, the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act of FCRA 15 U.S.C.1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the consumer financial protection act cfpa, 12 u.s.c. 5536 ( a ) ( 1 ) ( a ) ( b ), as highlighted in CFPB 's recent administrative proceeding ( XXXX XXXX XXXX cfpbXXXXXXXX ) against them for similar violations. I request the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Complaint : As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. XXXX XXXX XXXX XXXX XXXX XXXX requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit & quot ; report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. XXXX XXXX XXXX XXXX XXXX XXXX requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer XXXX XXXX XXXX XXXXXXXX XXXX XXXX  requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney XXXX XXXX XXXX XXXX XXXX General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called TransUnion at ( XXXX ) XXXX on XX/XX/18 at XXXX XXXX  a woman picked up the phone. She asked for my social security information and the reason for my call, didnt answer a question I asked, left me on silent and then hung up. 
Im afraid she took my information to steal my identity.