23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Synchrony Care Credit Card I obtained at a DDS office. I was unsure what balance or credit I had available on my Synchrony card as well as my company provided XXXX card. I mentioned this to the receptionist and was told she could not provide for the XXXX card, but could get the balance available on the Synchrony Care Credit card. She proceeded to call and was given the available balance. Given that, any other card I should call about on my own behalf, would provide information only after I answer multiple pertinent questions to verify my identity. Is this legal??? I was not asked a single question and the party at Synchrony did not ask for my approval for such information to be shared with the DDS office. I called the Synchrony people to question this practice and was told, yes this is information provided to the DDS who is a vendor of services. Any dental, cosmetic service or medical provider, etc. can find out my available credit on this card with no question asked. Can this please be investigated. I will not use this card again if this is valid and/ or legal in any way!
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 XXXX XXXX XXXX XXXX XXXX XXXX / Department of education 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 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting onmy credit report which is a violation of FCRA. The Bureaus failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failedto properly investigate the matter by using a third party as their verification provider andhave continued reporting the unconfirmed & unverified information. Given all myattempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent andnon-complying with federal statutes & I need this matter handled immediately. Pleaseremove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XX/XX/XXXX ; Original Creditor : XXXX XXXX ) 48344**Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, Credit Reporting Agency is currently displaying on my consumer report inaccurate/outdated addresses after being alerted of the errors XXXX of 2022. Addresses reported in error are as follows ; XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX Please contact them regarding this matter and thank you for services.
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 XXXX hours stating the account accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5533 ( a ) ( 1 ) ( A ) ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit card or prepaid card

Brinks and Netspend prepaid visa and mastercards I applied for were fraudulently stolen from me I never received them my mail was constantly stolen. My apartment was broken into several times at the XXXX XXXX XXXX XXXX, XXXX apartment I used to live in. I am suspicious of the suspects able to hack into my phone I was using, I would track phone numbers and get all transcripts from phone companies and all transaction history from XXXX   XXXX XXXX XXXX and all banks. The suspects also were able to hack into my computer from breakins and stealing my information. I never not once made a transaction with any card because I never received in cards from Netspend or Brinks. The suspects also hacked into cfpb.gov/prepaid and was able to steal my information which they had from breaking in my apartment and ordered several cards. Using address XXXX XXXX XXXX XXXX, XXXX as there address I would call XXXX XXXX XXXX  in XXXX, Colorado and see who has lived there. They also used XXXX XXXX XXXX XXXX the main office as a fraudulent address. This was from XX/XX/XXXX to present. I have suffered physical and mentally and went homeless because of the constant fraud.
Product: Debt collection

My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report even after your investigation and reinvestigation. The payment history is INACCURATE, I have contacted XXXXXXXX XXXX personally and was advised that they did not have any information in regards to the payment history for these accounts, and therefore I am demanding documentation on how your company was able to verify these accounts. If you can not produce this information I DEMAND YOU DELETE THESE ACCOUNTS IMMEDIATELY. Your neglect in properly handling the verification is a violation of my consumer rights. 

XXXX Account : XXXX Account : XXXX AccountXXXX XXXX Account XXXX XXXX
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. 

Account name : XXXX Account number : XXXX Amount : {$690.00} *Please remove this account off of all my credit reports : XXXX XXXX Equifax and XXXX. * Account name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, XXXX, Equifax. * Account Name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, XXXX and Equifax. * 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: Mortgage

Greetings. Im a XXXX XXXX XXXX with XXXX XXXX XXXX and I am trying to help my client, the seller, cancel an old FHA case number on a mortgage that was not completed in the fall last year. My clients are waiting for an appraisal on their home, which cant be done until we obtain a new case number ( being blocked by XXXX XXXX ). We contacted XXXX last week on XXXX and they have failed to cancel this old case number so the new buyer can obtain one for us to complete the sale. This is costing everyone time and money. Weve received excuse after excuse from XXXX customer care. There has been no progress made at all in nearly 5 business days. I understand this is a 45 second process and we are not getting any traction at all. Please help.
Product: Mortgage

In XX/XX/XXXX, we paid Chase Mortgage {$100.00} ( item 2 ) from our savings account to recast our existing 30 year mortgage. We did this at the branch with our banker XXXX, ( item 2 ).  XXXX was on the phone directly with XXXX from the recast department. XXXX confirmed receipt of the funds and emailed a document to XXXX outlining our new payment amount and start date, ( item 3 ). It does state on that document that a letter asking for a recast is required. XXXX, our banker asked XXXX at the recast dept if the letter was still required as the funds were received and we verbally asked for the recast. XXXX 's response was that no letter was needed and that she would open the work order for the recast and that the new payment was to start XX/XX/XXXX per item 3. At the end of XX/XX/XXXX, we received item # 4 informing us that our mortgage payments were not paid in full and that our credit would be impacted if funds were not paid in full. We contacted XXXX our banker and met with her to iron this issue out. After 2 hours talking with 5 different people at the recast department repeating the issue with each we were told that XXXX had never opened a work order and that only now was one being opened and that it was being done too late to allow for the recast to apply to the XX/XX/XXXX payment. In other words XX/XX/XXXX would have to be paid at the old amount ( without recast ). We are not dealing with an XXXX XXXX at XXXX who is attempting to help us but her hands are apparently tied. From item 5 you can see that we paid them the money that we did not owe to avoid their threat to impact our credit. 

So in essence, Chase bank has used our {$100000.00} and loaned it at interest while still charging us the full interest amount on our mortgage for going on 5 months. My wife and I did everything we were supposed to do except send the letter requesting the recast that was to start the work order. We did not do that, XXXX in the recast dept stated that she would open the work order and no written request is needed. That statement was witnesses by our banker XXXX. 

I can not understand why a recast should take two months to begin with, why the bank can use your funds while still charging you full interest on your mortgage. We were told that was " Policy '', and I saw it as a revenue generation process rather than a actual " Policy ''. 

We want our interest payments back for all months after XX/XX/XXXX ( XXXX, XXXX, and soon XXXX ). A letter of apology would be nice as well as the interest from XX/XX/XXXX. Can not think of a single reason why, in the age of computerized banking, that a payment can not be processed with a weeks time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several accounts which XXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/2016 and a balance of {$2000.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices.

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Product: Credit reporting

Continue to have issues with Equifax credit reporting service removing and then replacing collections on my report. XXXX XXXX removed both collections from XXXX and XXXX from all XXXX credit reports. Equifax removed the accounts, then placed them back. Each time they do this, it hurts my credit score. Equifax continues to not fix errors on reports, and when they do, they turn around and place the information back on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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!! 

XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX   Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I had a missed called on XX/XX/XXXX from XXXX. There was no message left, I called back and spoke with a man. I asked what company I was calling and he told me a totally different name from the actual company. I was told about a XXXX balance that was owed to check and go. I told him I never received a bill from them and I would like one and if I agree, I could make small payments. He told me that I could pay a settlement, I told him I do n't have it. He said, well we show your working full time, I said yes not for long because I am going out on medical leave. Can you please send me a bill. He then goes to tell me, the creditor can garnish my wages and get more than a small payment from me. And that he 's going to let them know I wo n't agree to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.
Product: Money transfer, virtual currency, or money service

Bread Financial ( formerly Comenity Bank ) online bank services have been inaccessible to everyone for over a week straight now ( XX/XX/22 - XX/XX/22 ). I, along with others, have been unable to view any charges and transactions history in any of my credit cards that I have with this banking institution. This appears to be in violation of the terms of their services to their consumers. I am also unable to make payments on any of those credit cards. This will hurt my credit. The bank has stated that they are " currently undergoing a planned system update that has taken longer than expected. '' However, they did not announce this update to its users and are not being transparent about what is taking place. I am the one who has to has to suffer and potentially incur fees and penalties for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this inquiry from XXXX XXXX XXXX Automobile. This inquiry was placed on my XXXX report on XX/XX/2019 by this company. I do not have an account with this company and contacted them regarding this matter, in which there was no response. This inquiry is not on any other report only XXXX. I request that this matter be addressed and for the company to provide an inked statement of where and when this happened. I did not sign any documents with this company nor do I have an account with them. Companies like these make it a nightmare for consumers. This inquiry need to be removed from my report.
Product: Money transfer, virtual currency, or money service

My family and I moved to XXXX XXXX  days ago. I have XXXX checking accounts at my XXXX XXXX, XXXX in USD and another in XXXX  XXXX. Chase allowed me to wire {$2000.00} to my USD account for a {$40.00} fee. However, when I tried to wire to my XXXX  shilling account for a {$5.00} fee, Chase would not let me, citing compliance concerns. It seems to me that the same amount, same sender, same recipient, from the same bank, to the same bank, would come with the same compliance risks. It appears that I am being forced to transfer in US dollars solely to give Chase a {$40.00} fee instead of a {$5.00} fee.
Product: Credit reporting

XXXX with other party responsible for medical bills- underinsured motorist had to take over due to other party not carrying enough coverage for my medical bills- other party at fault. My XXXX underinsured motorist policy had to take over. Medical bill of {$250.00} paid to XXXX directly. Due to suborgation with XXXX and lack of enough coverage amount, there was delay. however, this bill was paid by XXXX prior to collections but not recorded as such. Never delt with collections agency at all. Please remove
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

My irs economic payments... all of them 4? I believe 4 payments were distributed from covid all went to a usaa checking account not belonging to me, ultimately, i never got access to the money how can i get this issue fixed im low income no insurance just got hired need money very bad. Called irs after each payment was due to be released in efforts to reroute to my correct routing account.