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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Since the year of XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. Some companies include XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. I received my consumer report earlier this month and discovered some inaccuracies, unauthorized accounts, and inquiries reported to my consumer report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies on my credit file may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Also , I only have one address that I reside at currently and the only place safe for me to receive mail please update the address to this address only : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I changed insurance providers on XXXX for all XXXX of my policies i.e. auto, home, & umbrella. My accts were all in good standing. My policies were set up on auto draft and I never had any issues. I received a text from a collections agency in XX/XX/year> stating that I owed XXXX a balance. I called them and explained that I changed providers and they asked me to provide copies of my declaration pages. Copies of all XXXX declaration pages were uploaded on their portal. On XXXX I received another text from a collection agency. I called them and the representative told me that I no longer owe on my home & umbrella policies, and that XXXX did an adjustment and I still owe on my auto. However, the rep was unable to explain how or why I still owe on the auto and not the other policies after I submitted copies of my declaration pages. It didn't make sense. So she suggested that I call XXXX. I called XXXX at XXXX and explained my reason for calling and the rep told me to send a copy of my auto declaration page to email address, XXXX, to show proof that I changed providers and had coverage before my payment due date on the XXXX. After sending my auto declaration pages, I followed up with a call to XXXX and was told that they were unable to update their system showing that I changed providers due to systematic reasons. So by not updating their system, it falsely appears as if I owe them for 1 month of coverage ( XXXX ), when I was covered by XXXX XXXX insurance as of XXXX per my declaration pages. So XXXX is falsely reporting that I owe them. They are trying to make me pay for double coverage
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. 



These account are inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I had a credit card account opened in my name and {$8800.00} in charges spent in my name in under a month. Another application was attempted to open and capital one notified me and that's how I become aware of the fraudulent charges. The account was opened XX/XX/XXXX. I received emails from capital one, thought they were a phishing scheme, as the hackers changed my email and phone number upon their success. I canceled the fraudulent application XX/XX/20 and closed the fraudulent account with the balance under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account below : XXXX XXXXXXXX
Product: Credit card

For a number of years I have had a Capital One credit card XXXX hereinafter XXXX ). For some time I have had various businesses ( XXXX XXXX XXXX, XXXX XXXX, etc. ) automatically charge XXXX for reoccurring monthly fees. This has worked fine till now. 
The way it works is I sign onto a businesses web site and enroll in / update my automatic payment information XXXX hereinafter AutoPay XXXX. After a period of time XXXX several business days ) the change percolates through the business system and everything is in sync. 

My current problem is that XXXX decided without informing me to issue a new card with chip technology and invalidate my old card. Although I have updated the AutoPay information there is a likelihood that a business will attempt to charge the old CARD info because of the delay in synchronizing all of their systems. I have chatted with XXXX and XXXX from XXXX and they ca n't provide a solution. 

With the prevalence of e-Billing and e-Payments / AutoPay methods I feel that it is incumbent upon XXXX to have a method of processing AutoPay events that are referencing the old card information while the individual notifies business of the card information changing and the business processes the change in information. And although I am involved with Capital One the need applies to _all_ credit card issuers. 

Therefore I am requesting that your agency contact Capital One regarding this problem and consider promulgating regulation XXXX XXXX ) to implement this.
Product: Mortgage

This company has miscalculated and mishandled my escrow accounts since the first time the hazard insurance policy renewed. I asked at that time to remove escrows. They told me I had to make 24 on time payments to have escrows removed. I received an Email in XX/XX/XXXX stating that I would need to respond with a signed request to remove the escrow accounts. On XX/XX/XXXX, I responded to that Email with the required signed request. By XX/XX/XXXX, I had not even received an acknowledgement of that Email, so I sent a separate request for each of my six mortgage loans via their portal, attaching the same letter and evidence of my request from XX/XX/XXXX. In response to the Portal Messages, I promptly received confirmation that all requests were received and could take up to 20 business days to be completed. On XX/XX/XXXX I received confirmation via Email that all properties had been updated to " non-escrow ''. HOWEVER, On XX/XX/XXXX, I received physical notices in the mail that only ONE account had both hazard insurance and taxes removed, but that the other five loans only had hazard insurance removed and that the request to remove taxes was under review. 
First of all - the original requests were for " escrow accounts '' and there was no reason to clarify the difference between hazard and taxes when they both create said " escrow accounts ''. 
Second, they were able to approve ONE loan within a week.

Third, they were able to partially approve the other five within the same week. 
There is absolutely no reason these could not have all been approved at the same time, especially when all six loans were requested together, in the same letter.

Upon each follow up request, I am reminded that it takes up to 20 business days. 
Obviously, it doesn't, but even if it did, we are quickly approaching that XXXX day. 
Today - XX/XX/XXXX- was the day it became clear they will take action when a complaint is filed with CFPB, as has been the case the last two times I have issued complaints against this company. 
The final straw was their response to my most recent follow up, which was to tell me that I needed to submit a signed request ... which I did a month ago.
Product: Debt collection

Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from Lloyd and McDaniel did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.
Product: Debt collection

Cedar Business is attempting to collect a debt that they've been made aware of with multiple pieces of information from the ORIGINAL creditor. I do not owe this debt, and they are aware. XXXX has given me 2 documents showing a XXXX debt, and they are also in possession of a call recording in which I was informed there was NO DEBT owed by me. This is a violation of my rights! This aught be removed from my credit report immediately.
Product: Debt collection

Chase has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the 30-day period. I disputed this account sending certified with return receipt in which Chase rec eived and signed on  XXXX   XXXX  by  XXXX   XXXX  in which  Chase  did n't respond to my letter in a timely manner that was dated  XXXX   XXXX  which is another violation of Federal and state law and they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Keep in mind I also have time stamped copies of my credit report showing proof of the violations. I lived with an aunt that had the same exact name as myself so I also requested copies of a contract bearing my signature.  Chase  send on  XXXX  of   XXXX   copies of printouts of bills and itemized documents, which does not constitute verification as per FTC opinion letter from Attorney  XXXX   XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company if this is not deleted from my XXXX, XXXX and Experian report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.
Product: Debt collection

This company have been charge me for this amount for awhile, I try to contact them many times. Also I hire a lawyers and pay lot of money, submit disputes and not responses from the bureau. I am a military spouse, mu husband XXXX XXXX so I have 100 % medical insurance, also I have medical insurance from my job a real good insurance a premium one. Why I been charge from this company something that is not belong to me. Their response was that the hospital charge me, but the truth is I use Military Hospitals to been seem by doctors and my XXXX doctors are on XXXX. Im absolutely desperate because this have been in my records and ruin my credit History and because I didn't have acknowledge about my credit History was like this now I recurring to here for help. I don't think is fair all this situation. HELP PLEASE
Product: Credit card or prepaid card

Have been trying to pay both my XXXX credit card and Victoria Secret credit card. Both are under comenity bank. The online portals to pay my bill won't allow me to log in, and when I try to call the customer support, they do not actually take the call. Instead, they have a recorded message saying to use their XXXX online. So I tried doing that. XXXX should allow payments without logging into my account. But when I try to go through the XXXX, it tells me the website does not exist and then directs me back to customer support, throwing me into a frustrating loop and still not letting me pay my bill. My Victoria Secret bill is due on the XXXX of this month ( XXXX ). And my XXXX bill is due on XX/XX/XXXX. Because of the bank not allowing me access, my payments will now be late, and I can't have my credit score decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT FL XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name
Product: Credit card

XXXX lowered my credit limit by XXXX with no notice. Account has been open since 2012, and balance had been paid in full for most billing cycles. In this instance, payment was 6 days late. Company claims they notified me of this policy in 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN SEVERAL LETTERS REQUESTING AN INVESTIGATION INTO THIS MATTER, OF LATE PAYMENTS THAT ARE REPORTING ON MY CREDIT REPORT FROM XXXX, EXPERIAN DID NOT INVESTIGATE OR UPDATE THE ACCOUNT, I HAVENT RECEIVED ANY INVESTIGATION LETTER, EMAIL NOR WAS IT MARKED " IN DISPUTE '' ON MY REPORT, THE LATE PAYMENTS ARE STOPPING ME FROM GETTING APPROVED FOR CREDIT.
Product: Credit reporting

Credit agencies Experian, XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
Product: Credit reporting or other personal consumer reports

PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I applied for a loan to this company, and I sign everything but I made one mistake and enter a wrong bank information because I was XXXX, and a few day later I call the company to hold on the fund and not processed it to the bank that was on the the application, and a customer service promised the fund wouldn't be transfer, and I was advice to send the correct bank information, and the money would be transfer. I thought they fix everything, after awhile I didn't see the money put into my bank account which was supposed to be around {$9000.00}, and I was told they deposit the money to the wrong bank account when I told them not. I was upset, and they charge me an administration fee which is {$500.00}, and I call the person they put the money to return the money to the account will the send it to me, and I was told yes. all of it was a lie. avant didn't inform me if I was going to get the money. I kept calling and customer services kept lying, and giving the resolution team kept have me waiting for weeks before emailing, and they unable to find a solution. and they want to make payment when I didn't received any fund from them
Product: Debt collection

XXXX XXXX XXXX has not provided me with any validation to verify how or when this alleged debt was acquired, i have sent them a written notice by USPS certified mail and a follow-up letter as well. the have not done anything to resolve this matter. Based on consumer laws i've researched i now KNOW i have a right to privacy. This company has acquired my personal information without my consent and put a large debt on me of {$850.00} i dont know where it came from and to my knowledge i have no contract with this company or the original creditor, so i am confused as to why they are damaging my credit, even when i tried to be the person to find solutions its been nothing but confusion and injustice. i am aware of my rights as a consumer and this company is in serious violation. the account is as follows on my credit report. 
XXXX XXXX XXXX ACCT # : XXXX ( I CANT EVEN ACCESS OR GET BACK ANSWERS AS FAR AS THE ACCOUNT NUMBER )
Product: Debt collection

Informed this collection agency that I never signed a contract with the original creditor. This is NOT some ploy. I really did NOT open this account! There are no grounds legally, leading to me, stating or proving that I opened this account. No sufficient evidence that would stand in the court of law exist. I mention this because, that's our next destination. I am prepared to sue, my lawyer is prepared, and I'm merely following the instruction of both my attorney and my local law enforcement. 

I've reached out to both creditor and collection agency informing them that I was a victim of a bad case of identity theft. They are now the only ones who refuse to even RESPOND. I sent sufficient documentation to both them ( original creditor, and collection agency ) to prove to them that this was not my account.
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.

has violated my rights. XXXX XXXX XXXX XXXXXXXX 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

I was granted a judgement in the XXXX of GA, XXXX court to garnish a company 's account. Wells Fargo was provided with the court 's subpoena XXXX times. Wells Fargo knowingly provided false information regarding the existence of an account at their institution the first and second time. Their third answer to the garnishment was a notice that the party 's account was finally closed. This action is illegal under federal law.