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

Experian has failed to fulfil 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 of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to resolve or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am writing to formally report an issue with CashApp regarding my federal tax return. Since XX/XX/2024, CashApp has been withholding my tax refund without providing any explanation or communication regarding the reason for the hold. 

I have contacted the IRS, and they confirmed that there has been no contact from CashApp regarding my tax refund. Despite multiple attempts to reach out to CashApp for clarification and resolution, I have not received any response explaining why my funds are being withheld or when they will be released. 

At this point, I have been waiting for several months for my tax return, and CashApps failure to provide any information has caused significant financial hardship. I am seeking assistance in getting CashApp to release my funds and to hold them accountable for their lack of communication regarding this matter.
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized hard inquiries on my XXXX credit report, including one from XXXX XXXX XXXX dated XX/XX/year>. I did not apply for credit or authorize these inquiries, and I suspect they are the result of identity theft. Over the years, my personal information has been exposed in several data breaches, including the XXXX data breach, the XXXX XXXX XXXX data breach, and potentially the recent XXXX XXXX XXXX XXXX XXXX. These breaches may have compromised my Social Security number and other sensitive information, making it easier for bad actors to attempt fraudulent activities in my name.

I have already taken steps to address this issue, including filing an FTC Identity Theft Report and contacting XXXX XXXX XXXX to request documentation of the inquiry and details of the fraudulent application. I am concerned about further misuse of my information and need assistance to resolve this issue and protect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid pandemic, my ex-husband and his current girlfriend took advantage of the pandemic, and with everything being online, I fell victim to identity theft from him, using a photocopy of my identification card and submitted a online lease for a house, which that company did never do a face-to-face meeting or anything. He fraudulently leased XXXX houses with the same company starting XX/XX/2021. Which fell into collection and this is how I found out about it. Ive reached out to the collection agency regarding both accounts. I submitted my police report and identity theft affidavit to them, letting them know the situation which they failed to work with me. All they can let me know is that there was an online application submitted and was approved and a lease was generated, no signature or anything, proving that I was the one that actually leased it, which most during the pandemic there was no face-to-face contact and the scammers all came out to do damage. I reached out to the credit reporting agencies and they are just doing a standard verification saying that its a valid debt and Im not getting any verification of how they verified the debt or anything I am aware of my rights, and I do know that they are supposed to verify and submit prove to myself from either there or the reporting that companies. I am now we need to make a complaint towards the credit reporting agency for falsely and knowingly providing false information which is causing harm to my personal life now because I am myself Im trying to lease a property face-to-face with a real estate agent and they will not least to me because of these fraudulent charges on my credit report. 

The company XXXX Address XXXX XXXX XXXX, XXXX, MD XXXX. 
Account number XXXX and also account number XXXX I think you in advance for looking into this matter and exercising my legal right
Product: Checking or savings account

I have asked Credit Karma at least twice in the past month to close my account, and they have ignored my responses. When I create new tickets because I was ignored, they keep making up excuses for why my account is open. I do not have any disputes pending or any money in the account, so I don't know what the holdup is. When I closed accounts at other banks in the past, it was usually done within 24-48 hours. Please close my checking account once and for all Credit Karma! XXXX!!!
Product: Checking or savings account

They adjusted the XXXX amount after about a dozen phone calls but they keep applying it back. This amount was a separate payment mistake from my XXXX XXXX XXXX card account ending in XXXX that was distributed through bill pay to them. I caught my mistake and called them to tell them they needed to send it back immediately to my XXXX card thru electronic payment back and on a recorded line with XXXX bank ( my bank ) the lady XXXX was on a original 3 party line when the 1 st attempt of acknowledgment had been settled. Verbally. Then Capitol One diminished their word and kept charging it back to me as a purchase. They did this to me 3 times. This began in XXXX. Now its XXXX and I am still fighting them. Absolutely ridiculous! And my bank incurs on that one. Please help me get my credibility back, fix my credit report by them making me close my good standing cards that I always pay off now making me look bad. And I would like my accounts reinstated with out any issues. Also they have been trying to add my payments that I send in as a balance instead of reducing my cards. And accused me of the system does not make electronic mistakes. So after awhile conversations got pretty heated but I also did apologize to all. But this should not be happening to me. Someone is trying to steal my information and I have been told someone has been calling in acting as me and it was not. They said I was lying about that too!. I have no reason or purpose for lying. Just want this settled. And the XXXX refunded back to XXXX card XXXX from Capitol one added back to my XXXX credit card. Thank you!
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

Received a pre recorded voice message ( robo-call ) from a debt collector representing Synchronicity- 64.1200 ) prohibits automatic dialers with prerecorded voice messages from calling residential phone lines without the prior express written consent of the called party unless the call : is made for an emergency purpose. isn't made for a commercial purpose. 

When a representative joined the line the caller began recording the conversation without requesting permission which is a violation of Maryland 's wiretapping law- Under Maryland 's Wiretap Act,10402. it is unlawful to record any private in-person conversation or any telephone or electronic communication unless you are a party to the conversation and have the permission of all the other parties. Additionally, recording with criminal or tortious purpose is illegal, regardless of consent. 

I immediately advised the caller that they were in violation of these regulations and that I did not want to be recorded, however they did not cease the recording. I advised them that they were to cease and desist all attempts at contacting me. 

Following this I received a message that my account at amazon had been accessed and my phone number had been removed, so it appears the caller accessed my personal information on file with Amazon & removed my phone number from my profile, which they did not have permission to do.
Product: Debt collection

If the necessary steps to rectify this situation aren't taken within 10 days, I'll file a complaint with the FTC. You're legally required to respond within 15 days, and failure to do so constitutes a violation, potentially resulting in fines up to {$1000.00}. I trust you'll promptly comply once you're aware of the issue. Please provide the investigation procedures for the following accounts within 10 days to avoid further action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Monday XX/XX/2019 at XXXX XXXX four {$250.00} withdrawals were made from my checking account at CapitalOne using XXXX. I have never opened a XXXX account. 
I did not receive any notifications regarding these withdrawals. CapitalOne claims to be working on the problem but it has been two weeks without a resolution. 

My profile on CapitalOne contains a bogus mobile number at which to contact me. I have tried to change that to a valid number but Capitalone 's system will not allow me to. 
CapitalOne has been investigating that for two weeks again with no resolution.
Product: Credit card

What happened and is continuing to happen is that Wells Fargo issues secured credit cards for those with no credit or those hoping to repair their credit. With this offer is often an explicit promise of " graduating '' or getting the {$300.00} minimum deposit returned and being upgraded to an unsecured credit card, often in " one year '' or less. Well it has been a year and a half and every time I call Wells Fargo to inquire about my graduation, I keep getting the run around, which initially meant XXXX of 2016, when I called them back in XXXX. I feel that this product and its many selling point are misleading and deceptive. The bank seems keen on earning interest on ALL those minimum required deposits but less willing to be transparent about when and how the graduation will take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a XXXX loan with XXXX XXXX XXXX XXXX. I was always on time and never late. I received an account closer email that I closed my account and that my account was transfered to a sister company XXXX XXXX. Shortly afterwards, XXXX XXXX began to report incorrect amounts on my credit report. I called them to see what was going on and they told me that they were a debt collection agency. This was a breach in my original loan agreement, I can't get online to see my original contract and the interest amount does not reflect. They have reported incorrect information to my account. They also illegally obtained my bank account information from the original company. XXXX XXXX was posing as a loan servicing company while XXXX XXXX XXXX XXXX has not responded to the veterans or service members about their closure. Several complaints have been made about this and they continually report wrong information when disputing them. They are not the same company and they show paperwork as if they are the original loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY SEEN A COPY OF MY REPORT AND WAS IN DISBELIEF WHEN I SEEN THE COMPANY BELOW REPORTING LATE PAYMENTS. I HAVE NEVER HAD ANY LATE NOR MISSED PAYMENTS WITH THIS COMPANY. I DONT KNOW HOW THIS HAPPENED. 

CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX I WAS NEVER LATE IN THE MONTHS OFXX/XX/XXXX ANDXX/XX/XXXX. THIS HAS TO BE SOME MISTAKE ON THE COMPANY BEHALF. I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Product: Student loan

Navient is claiming I owe over {$70000.00} for a XXXX  certificate when the colleges records state {$30000.00} in federal student loans were used for that certificate.
Product: Mortgage

I purchased a home in XX/XX/XXXX. At the time, the mortgage escrow account was funded so as to cover the supplemental tax bill that was expected. The mortgage was subsequently sold to BSI Financial. When I received the Supplemental Tax Bill in XXXX, I submitted it to BSI via their website. I subsequently followed up several times and heard nothing back from BSI until XX/XX/XXXX. By that time, the first payment due date on the taxes had passed and I had incurred a late fee of {$230.00} ( 10 % ). The representative on the phone ( who called me ) gave me a new email address to which I needed to submit the bill. I emailed it to them that same day. I heard nothing back. I subsequently followed up several more times with no reply. I called them today ( XX/XX/XXXX ) and was advised that my request to pay the supplemental taxes from the ( ample ) escrow account had been denied, and that I may get a refund at my next escrow analysis in XXXX. In the meantime, I will be forced to pay the property taxes in order to avoid a second late fee charge. 

I believe that this company is deliberately dragging its feet and denying a perfectly valid claim in order to profit from having my escrow balance be excessively high for as long as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX XXXX
Product: Consumer Loan

I took out a debt consolidation loan for XXXX and was charged an exorbitant fee of XXXX for, what they call, an origination fee which was not reasonably disclosed in the agreement.
Product: Credit reporting

Experian is in violation of FCRA, and has FAILED to provide PROOF for it 's actions. 

According to the Fair Credit Reporting Act, credit grantors with a 'permissible purpose ' may inquire about credit information. 

The credit report by Experian contains a section of " Requests for credit history inquires shared with others '' which has the name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT AUTHORISATION or PERMISSIBLE PURPOSE:1. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXAs one can see, the Comments Section for these inquiries state " Unspecified. This inquiry is scheduled to continue on record un- til XXXX 2016. '' Even though, neither does the mentioned companies or Experian have the permission to do so. 
Experian needs to explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.
Product: Debt collection

Due to Equifax data Breach an unknown account is being reported on my account. Equifax has stated they have verified the unknown account and is reporting it on my consumer report. I would like to know the method of verification they used to determine the fraudulent account is in fact mine. I would like them to sign under penalty of perjury that they were there during the time of the alleged debt, and in their reinvestigation the names, address, and phone numbers of any neighbors, they contacted. 

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX XXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around XXXX and then evrything goes from XXXX to worse inquirires on my credit report 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau To whom it may concern, I am writing to file a formal complaint against EXPERIAN regarding inaccuracies in credit reporting and improper debt collection practices related to my account, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), U.S. Code 1692. XXXX XXXX XXXX  has been reporting inaccurate information to my Social Security number under the account XXXX. Specifically charging unauthorized fees that are not stipulated in the original debt agreement. This practice not only misrepresents my debt obligations but also reflects negatively on my credit history. Furthermore, I have received numerous calls from a law firm claiming to represent XXXX XXXX XXXX, offering various debt settlement amounts and terms that are inconsistent with what is listed on my credit report. These discrepancies have caused confusion and have raised concerns about the legitimacy and legality of their collection efforts. They are unlawfully requesting a one-day settlement making continuous calls. I am formally requesting that XXXX XXXX XXXX, and any third parties acting on their behalf, cease these unauthorized practices and delete the inaccurate information reported to the credit bureaus. Additionally, I ask that the collection agency provide clear and accurate information about the debt amount and terms, in compliance with FDCPA regulations, as they have not responded directly to any of my requests. Please confirm receipt of this letter and outline the steps your office will take to resolve these issues. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am disputing a charge at US Bank. I was sent a claim form for ACH entries and electronic checks to fill out and return. I went in to the local branch in XXXX, Mo to make sure I was doing everything correctly. The banker, XXXX, said that everything was right so I asked her to fax it to the claims office for me. I left then 10 minutes later I received a phone call from a non banker with the phone number XXXX XXXX XXXX XXXX that had received the fax. The form had my full checking account number, my name, and my phone number on it. I called the XXXX number for US Bank to tell them of the error and the connected me with the local branch directly. XXXX came on the line and asked what number was on the paper. When I gave her the number that it was to be faxed to she said that it was not the number that she faxed the form too. She did not apologize and she argued with me about the number being incorrect. She told me to come back in to the branch and she would re-fax the form and do a hard close on the account. I could not go to the branch today so she told me to contact the XXXX number again and the customer service bankers could close the account. I did that and while I was on the line with US Bank customer service XXXX contacted me again and told me that she spoke to the cashier that watched her fax the form and they XXXX agreed that the number she faxed it to was on the form so she was going to investigate further and get back to me. She is not taking responsibility for giving my banking information to a regular citizen and trying to put the blame on me for her error.
Product: Checking or savings account

Dear CFPB President, I 'm contacting you guys on behalf of my checking 's account that I had open with you guys when I lived in XXXX XXXX, XXXX I opened the account on the month of XX/XX/XXXX. 
I moved all the way across the state out here to XXXX, XXXX for work. 
So on Friday XX/XX/XXXX I came to the local bank of america branch to cash my {$400.00} check. I cashed my check then deposit {$20.00} and {$140.00} into my account. When I left the bank and came back to work. I tried to check my online banking account. For some odd and apparent reason. When I tried to log in the app. It said Account Locked so I had to contact a XXXX number. 
I contacted them and spoke to a representative, I was put on hold for an hour and a half due to reviewing of my account. I then was told that I was going to get transferred to the fraud department. I spoke with a gentlemen and he said we just had to verify some information. As soon as we verified information and everything seemed to be verified. I asked him. After this call. Am I going to be able to Log into my mobile app? He then replied, " yes ''. So then I told him thank you. And our call ended. 
He later called me back and told me they were going to close my account because I used XXXX XXXX? 
1st. I did n't get to use my XXXX XXXX, all I did was just put my debt card on file with android pay. So I did n't even get the chance to use it. 
His explanation was that because I used android pay they were going to have to close my account. My question is, why? when I did n't even get to use it. He then transferred me to the risk department. And they told me they will have to close my account under the deposit and disclossure agreement on page 2 there 's an agreement that say 's bank of america can close your account without and explanations. 
My whole thing is WHY would you guys close my account for no reason, for something I did n't even use. I 'm trying to get my plane ticket to go back home to XXXX. And now I cant even do that because my money is in the bank with you guys. I would say I only have {$150.00}. 
To be honest, I like bank of america. I even have a credit card with them to build my credit. I just do n't get why I have to go through so much, just to be able to get my money so I can fly back home.