23daVinci/CFPB_Complaints huggingface dataset:
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 of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my creditstanding. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and Volkswagen  credit refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. Volkswagen then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX, XXXX  and XXXX to no avail. My attorney went back and forth with Volkswagen for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in  bankruptcy.
Product: Debt collection

This company has violated the fair credit consumer act 15 USC section 1681i,. They have reported something on my credit report illegally not mine, I received a letter from this company on dated XX/XX/2019 on the letter, stating I owe a debt to them, I immediately sent a certified letter to validate the debt on XX/XX/2019 because I never had a bill or recognize this company.On XX/XX/2019 they reported the item on all three of my credit reports. It hasnt been 30 days from date of letter, an Ive never had any business with this company. Please advise them to remove this account from my reports, because it isn't mine, also they have violated the 15 USC section 1681i act.. If its not updated I will sue!!!
Product: Checking or savings account

On XX/XX/21 I deposited a check issued by XXXX on behalf of XXXX for a settlement i received. The check was for XXXX. The following morning the full amount was available and reflected in my balance. I decided I go look at some used cars as the settlement was from a car accident where I was rear ended. I contacted wells fargo around XXXX and asked to have my daily purchase limit changed to XXXX so I could purchase a vehicle. The rep said that was fine and said I could go as high as the available balance which was around XXXX, I told her the XXXX would be enough and went about my day. About 30 min after the call I logged back onto my acct and noticed the check was no longer reflected in my balance and was now on hold. I called Wells Fargo and was told that the issuer of the check had flagged it for some reason. I was told to contact the issuing bank. The following mon XX/XX/21 I reached out to XXXX who reached out to their bank ( XXXX ). The following Tuesday XX/XX/21 i received a high alert email from Wells Fargo saying the check was being held for " confirmed fraud '' I immediately called Wells Fargo and was told that the issuing bank ( XXXX ) had returned the check for fraud and that it would be held until the XXXX because there would be another attempt to process it on the XXXX at which time if it is still flagged it would be returned. The next morning XX/XX/21 i received an email from XXXX  that included correspondence with XXXX. XXXX stated the check was never flagged, it was never returned and that it was processed and the funds had been released to Wells Fargo as of that Mon XX/XX/21. XXXX included the ledger showing the funds had been released and that Wells Fargo had the money since XX/XX/21. I contacted Wells Fargo again and asked to speak to a higher up. The rep I spoke with confirmed that Wells Fargo had the funds and he did not understand how the check could have been flagged for fraud when the funds were already released. He also said he did not understand why I was being told to contact the bank that issued the check when they released the funds immediately and had placed no holds or disputes. Here we are a week later, my funds are still being held, I've missed out on 3 really good deals for cars and I'm beyond mad. I have copies of the correspondence from XXXX XXXX including the ledger showing that the funds were released immediately and there had never been a hold or flag for fraud. Let me know if I can provide you with any information to help you help me.
Product: Mortgage

During XXXX XXXX  we received significant damage to our home. We have been working with XXXX XXXX, our insurance company to get the home fixed. Freedom Mortgage wants to be in control of those funds, and are not wanting to release them. They have only given us a small portion of them, only enough to remove the tree and fix the roof. The home is basically studs at this point after getting out all the damaged drywall and insulation. We have contractors, and everything lined up to get our home fixed but Freedom Mortgage isnt wanting to release funds to get it done. They asked for a payment terms from our XXXX, so we turned that in, and yesterday we were told on the phone and they will not pay us how our XXXX wants to be paid. Which is 50 % up front, then 25 % at half and 25 % at completion. They are also asking for an entire materials list for the entire home with pricing which is very unrealistic, considering its basically an entire home being but back together. Yesterday we asked to speak to a manager which they couldnt do, so they said one would call us back and they never did. All we want is the funds to be released so we can get the house finished.
Product: Credit reporting or other personal consumer reports

The information stated in the account I have sent a copy of my id and proof of addressto update the information XXXX Incorrect names : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX 15 USC 1681B ( c ) Furnishing reports in connections with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires, except as provided in section 15 USC 1681G ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Multiply times my account has had random amount taken from account with overdraft fees with no explanation from banking company. Ive called asking for explanation and every time and they say they can not answer my question at this time.
Product: Debt collection

I would like assistance in making a formal complaint against XXXX XXXX XXXX XXXX and Professional Recovery Associates , Inc. XXXX XXXX XXXX XXXX has exhibited inappropriate and sloppy billing practices. 

I received emergency treatment in XX/XX/XXXX ; then I received a bill from a debt collector ( Professional XXXX Associates, Inc. ) in XX/XX/XXXX. I responded to the debt collector asking for an itemized bill and questioning why I was not sent a bill to my home address soon after the services were rendered. The debt collector replied by sending me a bill with the amount, not itemized as I requested, and with the WRONG address.
Product: Checking or savings account

I was the victim of a scam. I thought I was talking to an associate on social media about doing bitcoin mining. She then put me in contact with someone else on XXXX page name XXXX. I decided to try it and they instructed me to purchase {$3000.00} of bitcoin then had me send to an external wallet that put the funds on this website XXXX. After the funds were supposedly there they started asking me to double my investment amount which led me to thinking it was a scam. I contacted my bank and put in a dispute. I also attempted to try and get them to return my funds but I was advised that Id have to pay {$4000.00} to get the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act Convergent Account 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 ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/21 we accidentally missed paying our credit card statement in full ( {$3400.00} ). Our automatic minimum payment paid {$35.00} and we were charged the interest for the billing period ( {$65.00} ). 
We realized our mistake on XX/XX/21 and paid the balance in full. At this time we also set up an automatic payment to pay the statement balance in full at the end of each statement period. 
On XX/XX/21 our automatic payment should have paid full statement balance but only paid {$2700.00}. 
Then on XX/XX/21 Chase charged us another " PURCHASE INTEREST CHARGE '' of {$30.00}. 
When we contacted Chase regarding the second " PURCHASE INTEREST CHARGE '' of {$30.00} they said they were " required to charge it to our account '' and would not make any effort to rectify the charge. 
Due to Chase 's unwillingness to rectify the " PURCHASE INTEREST CHARGE '', we cancelled our account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus.  Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the   XXXX     XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they decl ined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my lease company XXXX XXXX ( cresco capital ) reports my business credit to paynet. I attempted to get a rental truck under my business and had to fill out an app for it ... I was told they use paynet. The app was decline due to not having credit history ... I asked for my paynet ... it shows no signs of XXXX XXXX  or cresco capital ... i call XXXX XXXX ... I now find out that they are reporting in my first and last name ... all one word ... so basically this account will not be found unless u know its done this way ...
Product: Payday loan, title loan, or personal loan

I, consumer, natural person, and living woman was discriminated against by Zip ( Quadpay ) when I requested an increase in spending power on XX/XX/XXXX and XXXX XXXX. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). A consumer credit transaction occurred the moment I applied for credit by filling out a CREDIT application NOT a LOAN application. In addition, when you, Zip ( Quadpay ), accepted my application you also accepted fiduciary responsibility. My consumer report shows proof that zip ( ( Quadpay ) views my report each time a purchase ( credit transaction ) is made and it negatively impacts my consumer report. 

Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from Zip ( Quadpay ) and the unauthorized use of my credit card. It is my right to be granted substantial amount of credit 15 USC 1691 ( d ) ( 6 ). 

When I spoke to a Customer Service Representative informed me that the spending power is increased automatically after being in good standing for 30 to 60 days of having an account. My account has been in good standing and Ive had the account for over an year. A customer service rep also denied me the information in knowing the maximum spending power when I requested the information. 

Best Regards, XXXX : XXXX  [ XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting negative information on my credit report that is affecting my credit adversely. For example, they are still reporting XXXX XXXX XXXX as a negative account. The account is over 7 years old and a violation of my consumer rights. It should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current complaint with Equifax. I defaulted XXXX XXXX XXXX  XXXX in XX/XX/2012but they are showing that I defaulted in XX/XX/2012. I have additional information - a credit report from Equifax showing that I was 2 months late in XX/XX/2012. 
Please refer to pages 13-20 for the information confirming that I was 2 months delinquent in XX/XX/2012 according to Equifax 's own report.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : XXXX XXXX XXXX On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX Make sure to fill in the brackets with your information and any specific details related to your dispute. If you have any documentation, its a good idea to reference that as well.
Product: Money transfer, virtual currency, or money service

I went to rent a house, the man let me in to see the house with the digital lock code, we like the house. So he had me do an application online which I paid {$20.00} fee, the next day we got approved. Now we just had to pay him {$3400.00} in which he told me to send it the cashapp, and to send it XXXX cause it's tax free.My limit with XXXX wasn't that high since it's my first time using XXXX it has to be multiple transaction which I was in contact with cashapp asked them about it & explain my situation. Just told me there is nothing they can do because cashapp is like a cash transaction.
Product: Debt collection

On XX/XX/23 I received an alert from XXXX XXXX that a collection had been posted to my credit report. I logged on to XXXX XXXX and verified that a collection from National Business Factors Inc had been posted to my credit report. I never received anything in the mail or via a phone call prior to this telling me there was a collection of any kind, or any of the same for the initial debt prior to it going into collection. Also on XX/XX/23 I drafted and mailed a verification of debt request letter via USPS priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The tracking says the letter was delivered on XX/XX/23. I have received no response to my letter or any information about the nature of the debt. The amount of the collections balances continues to increase.
Product: Bank account or service

I am submitting this complaint as to why i can not open up a bank account anywhere and why my account was closed. I was a victim of identity theft that i reported once all my personal information and files with my important confidential info was stolen by a supposedly 'trusted ' individual. It really corrupted the credit i was building for myself and it got even worse when i started getting denied access to my own funds, accounts began to close and now i stuck without a bank account in my name. I really need to know how to make this all go away. I am just a XXXX working to pay my bills and the support system that i thought i had whom i had also entrusted scammed me and went MIA, and left me in a bad position with proceeding in my life financially.
Product: Credit card or prepaid card

I have XXXX claims with the fraud department of bank of america regarding over XXXX in charges made to my account that I did not make. 
I gave XXXX a the perpetrators name and made a police report concerning the fraud.Supervisors told me my case would be escalated to a case manager and they then told me my claim was approved and it would be credited to my account XXXX  months ago..yesterday I spoke with them and it's still under review it's now going on over a year since the charges.please any help would be appreciated I understand the wait-list and have been very patient but this is way out of line giving me incorrect information and not backing what they say. 
Thank you XXXX XXXX XXXX XXXX Texting works best cause XXXX spams calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX breach caused some inaccuracy on my credit report please remove them FCRA violations tidwater
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccuracies in my credit report concerning the account with XXXX XXXX ( Account # XXXX ). Specifically, late payments are reported for XXXX, XXXX, and XX/XX/year>. My records confirm that these payments were made on time, as agreed. 
Details of the Account : High Balance : {$2900.00} Last Verified : -- Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Paid Payment Status : Late 90 Days Supporting Evidence : Enclosed are payment records for the disputed dates proving timely payments. 
A copy of my credit report is included, highlighting the discrepancies. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or unverifiable information. I request that you reinvestigate this account and provide : Detailed proof of the alleged late payments. 
The methodology and procedures followed during your investigation. 
Should you fail to verify the late payments, I demand that my account be updated to reflect its true status as " Paid As Agreed Never Late. '' Thank you for addressing this matter swiftly. I expect your response within the required 30-day timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : ACCOUNT INFO Account name XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX