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

RE : XXXX  XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery 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. XXXX ) 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.
Product: Student loan

XX/XX/XXXX I signed a document after discussing w/ a third party called premier student loans ; who offered services to me in consolidating my loans leading me to believe that if I paid 6 months worth of {$250.00} for 6 months I would only have to pay {$40.00} to them making me believe that after 10 years the rest of my loans would have been forgiven. They collected information from me as I worked at XXXX Hospital XXXX and XXXX Hospital XXXX  saying I qualified for this assistance. They asked for my ID and password as to make changes on the account 'for me '. My payments towards XXXX were then changed to {$50.00} a month, on top of this XXXX fee. I contacted this company summer of XXXX when I was noticing that I was still paying extra essentially and had done the math in my head that this loan forgiveness didnt add up but they told me I could not buy out of this payment plan and was stuck with them for the remainder of the term I had signed. After getting notification to recertify my income driven plan ( which I didnt realize I was in as I wasnt having an issue paying my loans I just wanted to have loan forgiveness and in turn hopefully lower my payments ) My monthly payments increased to where my usual baseline loan payments were prior to engaging to this company. I have now realized that in the coarse of 10 years I will have given money to a 3rd party for essentially nothing. I believe that I have been scammed out of almost XXXX in using this company and they continue to take out money from my account.
Product: Mortgage

Alliant Credit Union refuses to process and provide me with a 1098 for my home mortgage in 2022. I've contacted the company several time requesting a 1098 for 2022 and each time was told they " were working on it ''. It is now past the XX/XX/XXXX deadline and no 1098 has been provided by mail or online.
Product: Credit card

I have a chase XXXX Mileage plus club card that has a hefty {$400.00} annual fee. The credit card agreement promises various benefits including purchase/return protection. I had purchased an item on XXXX and unfortunately could not return it since it was pssed 30 days and my credit card return protection allows this benefit & lt ; 90 days from purchase. I called chase to make a claim according to the promised benefit l, however after nearly 2 hours and 8 transfers I am being told by chase that I did not have this benefit. Which is clearly not the case. They still advertise this still on their website and in the credit card agreement that hey had sent. The customer service and the responses that i got from the benefits adminstrators was absolutely horrendous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX XXXX XXXX XXXXXXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX XXXX XXXXXXXX ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted numerous times to call and was directed to mail and/or send my request through the website which I've tried both countless times. 

Incorrect addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I make bi-weekly payments of {$80.00} towards my minimum payment of {$150.00}. In XXXX TD Bank received three payments from me each for {$80.00}. The third payment was not applied to XXXX and now they have charged me a late fee of {$29.00} and raised my interest from 5.99 % to 29.99 %. I attached the XXXX and XXXX statement showing they have received my payments but they have not been applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted collection agencies on my credit file that have failed to provide information validating these accounts listed on my credit file. I have also disputed with Equifax yet Equifax still continues to report accounts that can not be validated. It is my understanding that a company must provide legal proof bearing contracts and agreements that I have done business with them and none of these collection companies have done so.Matter of fact the companies couldn't even provide a computerized statement like most of them do. Equifax is violating the law by continuing to report these inaccurate fraudulent accounts. Equifax is even reporting the same accounts twice which I know for a fact is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call back in XXXX about being past due on a personal American Express credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with AE and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and XXXX XXXX. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states American Express won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
American Express continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Product: Payday loan, title loan, or personal loan

I received a personal loan for {$300.00}. The company received the first payment by automatic withdrawal. Due to other companies trying to get money from my bank account, I had to close the account and report identity theft. I notified the company as to what occurred and agreed to pay the balance of approximately {$220.00}. in ( 2 ) payments of {$110.00} estimate. I considered it to be fine, but the next thing I know, I'm being sued for ( 4 ) times the amount owed. It now stands at {$930.00}. The company ( Wharthog Ventures LLC ) received a default judgment, knowing full well that I was not going to be able to make it to XXXX, Idaho. I'm quite sure they have managed to do this to many consumers. I wrote to you several months ago and never heard back from you. Please assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 letters with accounts with errors reporting to my Experian credit report, this isn't the first time I have sent these but they are clearly in violation of the FCRA and need to be deleted. Please delete these accounts as they affecting my life and please also update my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact Javitch and Block, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact Javitch and Block multiples time and have never received a call back.
Product: Checking or savings account

I spoke with Wells Fargo several times regarding a fraudulent charge on my account. A charge was reversed which caused my account to reflect a negative balance. XX/XX/XXXX. I initiated a dispute with wells Fargo reference # XXXX. I submitted documentation to Wells Fargo to support my claim on XX/XX/XXXX. An insurance company withdrew funds from my account without a legal right and without my permission several months ago. Wells Fargo refuses to investigate the incident. My insurance company, XXXX, sent Wells Fargo proof of my coverages to support my position during, before, and after the time that I was covered by XXXX. I am currently covered by XXXX. Wells Fargo has not provided me any information regarding my claim refused to refund my money and has closed my account as a result on XX/XX/XXXX. Wells Fargo has initiated collection efforts for this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

several hard inquiries on my credit report that were made without my authorization or permissible purpose, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The following hard inquiries were made, and I neither applied for credit nor authorized these inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX  ) Date : XX/XX/XXXX I have no open credit accounts associated with these institutions and did not receive any benefit, nor did I apply for or authorize a hard inquiry with these companies. Under the FCRA, only inquiries made with my express authorization and for permissible purposes should appear on my credit report.
Product: Money transfer, virtual currency, or money service

I am falling like a plane against Cash App. Also known as Block, Inc. due to inadequate customer service and unfair practices, which violate the consumer financial protection act, ( CFPA ) a specifically, Cash App, failed to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply. With error resolution requirements under the electric fund transfer act. ( EFTA ) and regulation E these actions have caused significant inconvenience and financial laws and I seek appropriate redress.
Product: Debt collection

XX/XX/2021 I the consumer requested Debt Validation 15 U.S. Code 1692g, FDCPA, not verification but validation of said debt. In addition my consumer rights where violated and Im am requesting remedy for violations 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ). I received mail on several occasions which included such violations. TD Auto is attempting to collect on an alleged debt which validation has been been requested.
Product: Credit reporting or other personal consumer reports

I found that it is authorized hard inquiries on my XXXX credit report that I did not authorize. 

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: Credit reporting or other personal consumer reports

The account balance shown is not the last balance on account. I requested an account validation. They did not respond.
Product: Credit card or prepaid card

To whom it may concern, Thank you for taking my letter. This is in response to an offer I received from Barclays/XXXX  Visa card XXXX ending in XXXX. I received an offer that would give me a {$100.00} statement credit upon my first purchase. I made that purchase but did not receive the statement credit. I called Barclays and was told it would be on my next statement. This did not happen. Thus far, there have been a total of 6 calls, 3 case numbers established, and at least twice I was told I would receive a response back. 

Note : On my credit card statement, knowing that I was to receive a {$100.00} statement credit, I paid the statement in full, but less the {$100.00} owed to me. That what this whole issue is about : the remaining {$100.00} on the statement. 

My first call to Barclays was on XX/XX/XXXX My second call was on XX/XX/XXXX My third call was on XX/XX/XXXX My fourth call was on XX/XX/XXXX XXXX My fifth call was on XX/XX/XXXX My sixth call was on XX/XX/XXXX On the fifth call, I was told that Barclays had no record of any promotion sent to me, even after I gave them the promo code AND the personal ID code. They then asked me to send them the promo letter, which I did. In the meantime, I have been receiving emails and phone calls harassing me about making payments. 

After I sent them a copy of the promo letter, I continued to receive emails and phone calls. I called them again ( the sixth time ). They informed me that they did in fact receive the promo letter and the case was the still " in process. 

It is now XX/XX/XXXX, and I received yet another letter from Barclays that " they determined that I no longer intend or can not afford to make contractural payments to XXXX  Rewards Visa. This is absolutely NOT true! My credit score is in the high 700 's, I pay all of my bills on time and NEVER leave a balance. 

In addition to the above I am concerned that this letter may be a prelude to changing my credit score.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion, XXXX, and XXXX for inaccurately reporting late payments on my credit report for the accounts listed as XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX. These reports are inaccurate and should be corrected, either by removing the late payments or updating the accounts as Paid as Agreed. 

Legal Basis : XXXX. XXXX  XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX 

Under the XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX ), the following unfair, unconscionable, or deceptive practices are prohibited : ( c ) Falsely representing that the consumer transaction involves consumer rights, remedies, or obligations. 

In this case, the credit reporting agencies are falsely representing my obligations by incorrectly reporting these late payments, damaging my credit history. 

XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The FCRA establishes the legal framework for credit reporting accuracy and consumer rights regarding disputing inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumers file. I have disputed these inaccuracies with the credit reporting agencies, but they failed to correct the information. 
15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. TransUnion, XXXX, and XXXX failed to do so by reporting inaccurate late payments. 

XXXX. XXXX XXXXXXXX Practices XXXX ( XXXX ), XXXX XXXX et seq. 

The XXXX prohibits unfair and misleading collection activities, including making or threatening to make an inaccurate report to a credit bureau : XXXX XXXXXXXX ( XXXX ) Prohibits making an inaccurate credit report on a consumers credit worthiness. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Although the FDCPA applies more directly to debt collectors, the credit reporting of false information can be considered an unfair collection practice under certain circumstances.
Product: Bank account or service

The bank overcharged me for a service on my debit acct. I called the bank and tried to rectify the situation : I am a XXXX XXXX and I went to their branch office and tried to put the money an ATM and the bank did not have a machine for me to put in the funds. And then, I called them and asked them if I could put the money in by the closing of the business day and they refused. I want my overcharge removed from my acct. I was not treated appropriately.
Product: Credit reporting 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 # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # 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 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

I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against Equifax or l the company reporting the information.