23daVinci/CFPB_Complaints huggingface dataset:
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 is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Ive attached the accounts that are inaccurate -XXXX XXXX XXXX XXXXSTATE OF COLORADO CHILD SUPPORT
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on this XXXX XXXXXXXX account. This account is in litigation and this company has also been sued by the cfpb. 
Misled consumers about high interest accounts : XXXX XXXX illegally deceived consumers and XXXX XXXX, XXXX. violated the Truth in Savings Act by representing that XXXX XXXX provided a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. 
Kept consumers in the dark to maintain a two-tier system : XXXX XXXXXXXX misrepresented to existing customers that its XXXX Savings account was and would be its only XXXX high-interest savings product with the features, terms, and conditions of XXXX Savings and obscured from those customers its newer, much-higher-interest XXXX Performance Savings accounts, which otherwise had all the same terms, conditions, and features of XXXX Savings. XXXX XXXX used XXXX XXXX XXXX to attract new depositors without paying existing depositors the interest they were promised. XXXX XXXX avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Truth in Savings Act. It also has the authority to enforce the Consumer Financial Protection Acts prohibitions on unfair, deceptive, or abusive acts or practices. The CFPB seeks to stop XXXXXXXX XXXX  unlawful conduct, provide redress for harmed consumers, and impose civil money penalties, which would be paid into the CFPBs victims relief fund.
Product: Bank account or service

I have an e-account with Bank of America. I was told that I would not be charge any fees. 
however every month I am being charged a $ XXXX monthly fee. 

I have called and visited the bank to take the fees off and they have done so. 
However since XXXX 2015 they have refused to do so.
Product: Checking or savings account

Ive had a bank account with Suntrust bank for some time now, and just recently I started receiving mail saying that my account had been closed due to some fraud activitys that I know absolutely nothing about. This was my only bank account and Im confused ... Ive never opened up another bank a account or did anything fraud in my life. I wish to resolve this as soon as possible, thank you. I can and will send over all of the necessary documents proving that I was a victim of identity theft. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Following up on Consumer Financial complaint ID XXXX. I did not receive the email you referred to. Please re-send.
Product: Checking or savings account

I bought one of my relatives to US Bank to put my mothers name on my account but when I got their they told her NO we can not open or add your name to the account I told them why and they said that she was reported to XXXX XXXX and when I called them she had a clean history and we came back the next day they still refused to add my mother to my account which I own and make it easier so when I am in XXXX  she can access the funds like how joint account works
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit card or prepaid card

Someone stole my identy and opened this card using my name and social security number. They also used my address and I have received the card but have not activated it. The company will not close the card but have blocked it until I file this report. I never requested or wanted this card.
Product: Credit reporting or other personal consumer reports

A few weeks ago I got and reviewed my credit report and noticed unauthorized Inquires on it I called XXXX, XXXX, and Transunion to get them removed and they said I had to send in a FTC report so I did then when I followed up they said that they have yet to receive the report
Product: Mortgage

Homeowner has had a financial hardship and after exhausting all modification attempts they have come to accept the fact they can no longer retain the home. Therefore deciding to short sale the home vs. losing the home to foreclosure. A complete workout package including all financial documents and offer has been submitted to Chase on XXXX XXXX 2015. After several XXXX of follow up and multiple escalations requesting the file to be assigned to a negotiator nothing had been done until XXXX XXXX, 2015. On XXXX XXXX, 2015 they homeowner was finally assigned to XXXX XXXX. The XXXX lien is ready to fund with the rate expiring on XXXX XXXX, 2015. If the loan does not fund the buyer will walk away from the home. We will lose this buyer entirely. We have expressed the urgency several times to Chase verbally and escalated the file still nothing was done to expedite the process. Since extensive time has passed since submission of the short sale request and the file has yet to be approved or denied we are filing a formal complaint to escalate the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. XXXX, TransUnion and XXXX have all violated my federally protected consumer right to privacy and confidentiality by publishing XXXX to my credit profile without my written consent. As a consumer I am protected from this types of high tech identity theft under 15 USC 1681. The accounts that are illegally on my credit profile are : XXXX XXXX XXXX address XXXX XXXX XXXX floor XXXX XXXX Illinois XXXX phone number ( XXXX ) XXXX Account number XXXX update a XX/XX/XXXX in the amount of {$26000.00}. XXXX  XXXX XXXX account number XXXX open XX/XX/XXXX amount XXXX {$220.00}. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX phone number ( XXXX ) XXXX. XXXX XXXX XXXX address po box XXXX XXXX SC XXXX phone number ( XXXX ) XXXX XXXX Account number XXXX open XX/XX/XXXX in the amount of {$160.00}. XXXX XXXX Account number XXXX date open XX/XX/XXXX amounts {$470.00}. XXXX XXXX account number XXXX open XX/XX/XXXX amount {$100.00}. The XXXX XXXX XXXX account and the XXXX inquiries. TransUnion, XXXX and XXXX Have all committed fraud and violated my rights under 15 USC 1681 604a.Section 2. It'states that consumer reporting agencies can not furnish a account without my written instructions. I have not provided my written instructions with my wet signature to XXXX, TransUnion and XXXX. They are also in violation of section 15 USC 1681c. ( A ) ( 5 ) Section states no customer reporting agency XXXX 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 XXXX years. I have not been convicted of a crime at all. So not only have my rights been violated under these sections, but also I have the right to privacy under sections 15 USC 1681 Section 602a.
Product: Credit reporting or other personal consumer reports

I disagree 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 Account Name 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: Credit reporting, credit repair services, or other personal consumer reports

On my credit score enquiry, I found that one loan account was showing active on me from XXXX XX/XX/2021 with XXXX XXXX XXXX XXXX but I havent taken any loan from this organization. They are showing XXXX XXXXXXXX loan on me which I haven't taken and now they are keep on increasing my amount remaining
Product: Debt collection

On XX/XX/XXXX my wife received a phone call ( on her personal cell phone-my name isn't on it ) from ARA regarding a XXXX credit card from the XX/XX/XXXX 's they are claiming I am responsible for paying. They told my wife that because the interest was still accruing the card was still active, even though I had made no payments in well over the 4 years covered by the statue of limitations. They threatened to jeopardize our cars and her credit cards just because I am a authorized user. They also claimed they were about to file with the XXXX XXXX courts. 
I sent this company a request for validation letter in XX/XX/XXXX, and no response was received. This company tries to collect every time we move. They told my wife that because now we have plenty of money we should pay this. 
They also told my wife she should not be angry because they called her, because " you married the man ''.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS.As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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: Debt collection

I'm receiving XXXX emails, every XXXX days. It has been XXXX  years. That is harassment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, XXXX  XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional XXXX is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report. 

I, XXXX XXXX XXXX Never gave XXXX any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts. 

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX XXXX {$2500.00} OPENED XX/XX/XXXX 5. XXXX XXXX XXXX XXXX BANK XXXX XXXX OPENED XX/XX/XXXX 6. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. XXXX XXXX {$0.00} XX/XX/XXXX 16 A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The following companies have errors on my credit report. My balances are incorrect and the credit amount are incorrect. 
The companies with incorrect reporting are as followed : 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  : Incorrect Credit Limit
Product: Credit card

I had paid down on my credit card- {$13000.00} and immediately after I did this with the intent to pay some bills, American Express reduced my credit limit to by {$14000.00}. After talking with American Express on the phone to determine what happened, I figured it out online on their webpage what happened. I immediately reversed the transaction and because of this, it shows that I'm over my credit limit by almost {$13000.00} which will also affect my credit score further. I think this is very deceptive and it makes it seem like I have been over spending on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX ss # XXXX 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 XXXX XXXX has violated my rights. 
Original Creditor : XXXXXXXX XXXX XXXX  Balance {$100.00} Account # XXXX Date Opened XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Student loan

I am the Guarantor of two student loans with Discover Bank, one dated XX/XX/XXXX, the other dated XX/XX/XXXX. We signed identical Notes for the two loans. Both are variable interest rate loans. From inception until XX/XX/XXXX, we received no information or correspondence on either of these loans either from Discover or any loan servicer ( if there was one ). Recently, the deferral period ended and Discover decided to contact us. We note that the current interest rate on one loan is 7 % and on the other is 11 %. We questioned this with Discover. Item I4 on the Promissory Note describes how the interest rate is calculated. However, Item I4 refers one to the Disclosure Statement. We have requested the Disclosure Statement from Discover and after many months, Discover informed us that they don't have it. We have no recollection of receiving it and indeed do not understand how loans with identical terms can have such different interest rates. We have another Discover Student Loan and the variable interest rate is 6.75 %, so it does appear that the 11 % interest rate is an anomaly. We are also prejudiced by the fact that Discover did not send us any information on these loans for 11 years, so we did not have the opportunity to contest the interest rate charged, or take other action, such as refinancing the loan at a lower interest rate with another lender. Discover can not justify the 11 % interest rate, but refuses to recalculate it.
Product: Money transfer, virtual currency, or money service

I have had an account with Coinbase since XXXX and have deposited around {$11000.00} between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I became aware that Coinbase had restricted my account making it unavailable for me to deposit, buy, sell, or withdraw funds from the account. On XX/XX/XXXX I contacted customer service and was told that they would need to verify my account which would require me to upload my ID, send a live photo of my face ( a selfie ), and answer some questions about how I intended to use the account before they could make my account available for use. At that time, I was assigned a case number. Later in the day on XX/XX/XXXX I uploaded my ID however I was not able to upload a selfie because I could not find instructions on how to do so on the Coinbase App. On XX/XX/XXXX I emailed answers to the questions about how I intended to use the account and called customer service for instructions on how to upload the selfie, at that time I was told that they had received my ID and the answers to the questions, and I didnt need to upload a selfie. They said that my account was now under review and I would receive an email when my account had been verified. On XX/XX/XXXX, having not heard anything I contacted customer service again to find out the status of my account and was told it was still under review. On that call I expressed my frustration with the situation, and I was told by the representative that my case had been escalated. I contacted customer service again on XX/XX/XXXX and was told they have everything they need to verify my account, but I would just have to wait for them to review it. Having reviewed CFPB complaints on Coinbase this seems to be a common issue for users. Coinbase needs to get their verification process corrected and they need to be held accountable for the ridiculous verification process they have in place that keeps account holders locked out of their accounts for weeks and even months AFTER they provide all documentation requested to verify the account. I expect Coinbase to provide a prompt and fair resolution to my issue. For reference the case number given to me by Coinbase is XXXX.
Product: Mortgage

In regards to my previous complaint XXXX USBank was required to respond to my complaint on XX/XX/XXXX, they provided me with XXXX forms ( a claim form and affidavit which I have attached ). 
-On XX/XX/XXXX, I had these documents notarized and faxed. 
-I called them on XX/XX/XXXX and they stated that they had not received my documents. I refaxed and emailed them my fax reciept and the documents again on the same day. 
-On XX/XX/XXXX I spoke with USBank to XXXX in Fraud and was told that their e-fraud department would be getting in touch with me. 

I have not heard from USBank since and have not been reimbursed the escrow for which I was overcharged.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my authorization, and this has negatively impacted both my credit and my credit score. I contacted Experian, and their representative assured me these inquiries would be removed, yet they remain on my credit report. As a victim of identity theft, this situation has caused me immense anxiety and added unnecessary stress to my life, on top of the harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. 

Experian- XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX I do not recognize these inquiries and did not authorize them.