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

XXXX XXXXXXXX is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXXXXXX ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )
Product: Credit reporting or other personal consumer reports

Hey XXXX AND EXPERIAN, I was recently checking over my credit report after receiving a response from you. I have the proof showing that I submitted the complaint # XXXX on XX/XX/2023 and received a response from you on XX/XX/2023 that states, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. SXXXX XXXX XXXX-UPDATED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-UPDATED Your credit bureaus stated that my account XXXX XXXX and account # XXXX was properly INVESTIGATED but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and the account name is inaccurate. This is grounds for removal they ALSO, violated my rights under 15 U.S.C 1681 Section 602A. States that 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 Also, the credit bureaus took more than 30 days to complete my investigation here is my certified tracking number / cfpb complaint # XXXX According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} ( one-thousand ) per violations or all accounts deleted due to violation of my rights or delete all accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with XXXX  on XX/XX/XXXX into the inaccurate reporting of debts with Hunter Warfield. I do not owe these debts and have provided adequate proof. Yet XXXX  is still reporting. 

Hunter Warfield is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX | XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. Hunter Warfield is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.
Product: Credit card

I believe the account is invalid. JPMCB CARD ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. JPMCB CARD XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I found out they were charging extra fees for interest payments when I told them to put me in the cancel program and they said they did but didnt...
Product: Debt collection

I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account.
Product: Debt collection

I sent letter to both addresses listed on credit file and got a response that asked me to fill out FTC report. However, I did this already with FTC and it does n't apply to this company. The account was removed but the inquires are still listed on my report and it is hurting my credit. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX Name '' on XXXX via XXXX certified mail & again XXXX. The company refuses to honor my rights under the XXXX as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX [ XXXX XXXX XXXX XXXX ] XXXX, GA XXXX XX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX. [ XXXX XXXX. ] [ XXXX XXXX, XXXX ]. [ XXXX XXXX XXXX Bank, XXXX ]. [ XXXX  XXXX XXXX, XXXX ]. [ XXXX XXXX XXXX, XXXX ]. [ Dept of ED, XXXX ]. [ XXXX XXXX, XXXX ]. [ This account does not meet XXXX XXXX compliance standards in XXXX or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within XXXX  days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

I disputed multiple negative payments and charge offs being reported on my consumer report. I also provided copies of my intend to not have my not have my information shared that was given to the reporting agencies. Despite being engaged in explained the laws that govern the information being shared on my report and how it is illegal, the information continues to be reported. 

I have been refused and evidence showing how the negative information was verified or any investigation result.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX  XXXX bankruptcy Filed on XX/XX/2017 Reference number : XXXX
Product: Credit reporting

A new po box was added to my report, & my address was removed from it, i live in XXXX i have no po box on XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I placed an order on XXXX using my XXXX account which had my XXXX XXXX XXXX XXXX as the method of payment. I received confirmation from XXXX that the payment went through. The next day I got an email from credit one saying the purchased was declined for insufficient funds. I thought nothing of it thinking XXXX would send an update that they had to cancel the order but instead I saw an email on XX/XX/XXXX dated for XX/XX/XXXX saying the order shipped. I then contacted all parties trying to figure out how this sale went through and found that XXXX chose to submit the payment without my authorization, through my Ally debit card after XXXX XXXX declined the charge. This issue is further complicated by Ally since I had my debit card locked in XXXX because I lost it and Ally allowed my account to be accessed via a card that was inactive. All parties keep passing the buck, no one contacted the shipper to pull the item back, it was delivered on XX/XX/XXXX and no one wants to fix this situation.
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 posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially having funds. I believe these practices are unfair and request an investigation into my account and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 44 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. The credit reporting agencies are reporting several Inaccurate accounts and Social Security numbers on my reporting as well as names and addresses. This information being reported is 100 percent Inaccurate and it needs to be removed Immediately. For these inaccuracies have cause me grave financial trouble. Please remove Immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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. These accounts are fraudulent. I don't have no knowledge of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My next step is to file a lawsuit against Equifax for reporting inaccurate information on my credit fie. This is my 7th attempt to get this inaccurate information removed from my credit file. The XXXX XXXX information that Equifax is reporting does not belong to me. I have been trying to get this matter resolved for the past 6 months. Now I will have to take legal action against Equifax for this inaccurate reporting. Equifax has 15 days to remove this inaccurate XXXX XXXX information from my credit file.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with Transunion, XXXX XXXX XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a letter with method of verification for verifying a bankruptcy from XXXX, XXXX  and Lexis Nexis. I need to know how XXXX, XXXX and Lexis Nexis verify a bankruptcy before they add the information to an individuals credit report.
Product: Checking or savings account

Cashapp recently froze my account claiming I made a sanctioned purchase of XXXX products. All I did was send a friend money I've already disproven all their claims of illegal use and any other legal reason they could have had to freeze my account and my account remains locked for 7 days currently and counting I'm deprived of over $ XXXX that I can't access, withdraw or anything Support reads and endless script and claims they can't help No reason for my account to be frozen yet I continue to be deprived of my money with no other explanation
Product: Debt collection

i recieved a letter from green tree servicing about a moble home they say i owe for in 1990 ... ..i have never had a moble home, they say the account number is # XXXX the creditor was XXXX XXXX XXXX ... ..I have never had anything with XXXX XXXX XXXX,,, and they really did not have any info on this ... to say i owe something from 25 years ago ie stupid
Product: Credit reporting or other personal consumer reports

there was only 1 30 days late please take off the 2 60 days and 2 of the 30 days. thank you
Product: Checking or savings account

This in an extension of my previous complaint XXXX submitted on XX/XX/XXXX about US Bank closed my two savings accounts and checking account onXX/XX/XXXX, I am still going every Friday to the US Bank XXXX XXXX in XXXX and they all know about my previous complaint but none of them have an answer and they do n't know where my too checks could be, last Friday the manager from the branch XXXX XXXX XXXX called some departments on us bank XXXX but no luck, I feel very frustrated because US Bank has in it possession my two savings money today for 28 days. 
I am upset because also for the other complaint about my credit cards closed too ID XXXX submitted last Friday, that this will impact tremendously my credit score. 
I have been Loyal to US bank for my 12 years living in the country, I have given all the information that they needed on time I have proof of that. 
I am as today LOCKED OUT with out not money just living paycheck by paycheck for the last 3 weeks. 
Damages Caused : Emotional, material, lost or will lost my great credit score that I have worked hard to keep it high, My medication for XXXX XXXX XXXX and XXXX were locked up too because not money in my accounts. 
I have n't been able to take my vacations programmed for last week because of no money. 
My friends and coworkers paying my bills with their money. 
I have n't supported my family in XXXX after the devastation for IRMA Hurricane, and now for Puerto Rico too after Maria Hurricane. 
It was ok if you did n't want me as a customer and ok to close my accounts but stole my money is not fair I think and is what I am thinking now about you. 
Really bad customer support. 
I am demanding an immediate response or I will be looking for my lawyer. 

I will attach all the proof I have of an amazing bad job and I have more proof and names if needed. 
I will make this public on the media if I do n't hear from you soon.
Product: Mortgage

On XX/XX/2022 I received a letter from Freedom Mortgage providing notification that my husband and I were approved for a Traditional modification of our VA loan. I reached out to Freedom on or about XX/XX/2022 to accept the offer and get information regarding the first trial payment. The representative stated there was nothing I needed to do and since the underwriting department was swamped, I just needed to wait about a week or two for some paperwork to come to me in the mail. During this time I received no communication from Freedom so on XX/XX/2022 I contacted there office and was told again that there was nothing I needed to do, just wait for the paperwork. On XX/XX/XXXX, I logged into my account and saw that my account was now in a foreclosure status. I contacted Freedom and the representative informed me that they now needed proof of where my child support is deposited and a letter of explanation on how the child support is used. I apparently had until XX/XX/XXXX to send in this information, but I never received a letter stating this information was requested. I was instructed to still forward the information over despite being issued an approval. I asked the representative for assurance that my review would not be closed since Freedom failed to notify me and she assured they would keep the review open. Something about that conversation did not feel right so XXXX minutes later I called back and the representative couldn't understand why there was a request for info and an approval listed in their system on the same day, XX/XX/2022. She also informed me that the representatives I spoke with prior should have noted my acceptance of the offer in the system which would have triggered the creation of the loan modification documents. This is the third time that the loss mitigation process has been held up by misinformation by Freedom Mortgage 's representatives. This is an error that could have cost me my home again because how am I to know there is additional documentation required if I was issued an approval?
Product: Money transfer, virtual currency, or money service

Back in XXXXXXXX XXXX XXXX  I tried to get out of my apartment lease in XXXX, TX and had someone approach me via text explaining they would send me a deposit to sell my apartment lease to them I sent them XXXX $ through XXXX XXXX XXXX XXXX XXXX XXXXXXXX as it is what I had in my Chase checking account and later was notified that the individual who went by XXXX who sent me the the deposit was a fraud and that the balance they had sent me would surely bounce and it did and I lost XXXX $ when I contacted chase about this transaction they told me to contact the police and I was never reimbursed. To see the XXXX transaction I would need my bank statements from my old bank account which had to be shut down due to my personal information being leaked.