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

Not a complaint, but a query. Why do creditors Only rely on Equifax? In the past, the company wasn't considered trustworthy, known to add derogatory information onto consumer accounts... We Always had XXXX XXXX XXXX, which were accurate. Several years ago, during lean times, I checked my credit to find Equifax had my number at an XXXX, when the other XXXX reported shy of XXXX... I wrote Equifax to have my report removed since their number was derogatory and unreasonable. So, I don't have anything on Equifax, since I expected XXXX and XXXX reports would be reviewed. Now, I can't get credit since Every bank relies on only- Equifax and according to denials, I haven't established a credit history when I've owned homes and cars, all paid off. Then, XXXX says Equifax is multinational and we, in the XXXX, face countless issues from our credit information being accessible by anyone in the world because -- foreigners are working to take XXXX dollars from this country, for years. We have foreign merchants and investors pulling out USD in any ways they can, and our money is going to foreign countries, some of which are not XXXX allies... It's the reason our prices are so high -- all American businesses have foreign investors running the show, demanding more and more financial return. The retail industry is entirely foreign goods and foreign investors... So, we can't have a credit reporting agency as multinational because of our economy and consumers ' financial struggles. Someone needs to see if Equifax, ( which seems to have taken the lead among credit reporting agencies ) has foreign investors. And, lenders need to be instructed, they can't discriminate against XXXX or XXXX only because someone sold them on Equifax. What is Equifax doing to get business from all of our lenders?
Product: Credit card or prepaid card

I got a Netspend card in the mail that had my name already on the card, i did not apply for it, and they would not tell me who gave them my information. I asked for there supervisor and of course they were not available. I XXXX  them while talking to her and saw they defrauded XXXX people so id like them audited again because she would not tell what information they had on me. Please contact me if you find they took any money from me. thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan reported me as 30 days past due. I have always paid my account time, and had been on autopay in the past. I never received any email or paper notice of a delinquency ; as soon as I noticed that the account was past due on XXXX, I logged in and paid the balance. JPMorgan reversed the late charge and the interest charged, but refuses to correct the late credit reporting. When I asked JPMorgan how I can file an FCRA dispute with them, the representative said that they have no dispute process. I filed disputes with the consumer reporting agencies, and informed JPMorgan that a consumer is entitled to file a dispute with the furnisher as well, and for me to have JPMorgan investigate my dispute and provide me information about what information they looked at to correct or decline my dispute. The representative said that they are not required to do that, which seems clearly a violation of FCRA. She also mentioned that the delinquency would be cleared if they had the incorrect email address or mailing address. I confirmed that the email address they have is, in fact, incorrect, as I did not receive any email nor did I get mailed information. This delinquency needs to be taken from my credit report, and more importantly, JPMC should follow the FCRA and permit consumers to file disputes with them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to please get rid of this information as soon as possible, I am not related to XXXX XXXX XXXX XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Product: Money transfer, virtual currency, or money service

XX/XX/2022, We purchased a boat for $ XXXXand used Zelle to make the transfer. As we stood waiting for the transfer to go thru the seller watched his phone stating its not coming thru, but we could see it was deducted from our checking acct. After about 30 min of waiting, we called XXXX  XXXX XXXX and they transferred us to the Zelle people, they stated that they couldn't see any activity and told us to try the transaction again. The seller also stated that he was having trouble with that phone number, and it might have been to an old bank acct numb, so he provided a different phone number. Zelle told us to retry the transaction again. So we did the process again and then we could see the checking acct. where nothing happened then there was another {$3500.00} transfer out of our acct to the seller of the boat. and it all looked ok. We took the boat and went about our day. 
The next day both {$3500.00} transfers appeared as deposits to the boat sellers Accts. We contacted the seller and he stated that he did see the extra {$3500.00} in his acct and he would instruct his bank to send it back to us via Zelle. [ we contacted Zelle and they advised that they did as they were instructed, they transferred two {$3500.00} transactions to two different phone numbers, so it wasn't there problem. ] We never received the money from the seller, upon serval attempts to contact the seller he has changed his phone number & moved leaving no forwarding address. 
I have filed a small claims court action against him but have been unable to have him served
Product: Credit reporting or other personal consumer reports

After this conpany stated that my investigation had been completed ; I sent a letter asking them to reinvestigate these accounts listed below XXXX XXXX XXXXXXXX This account is not accurate as I have never been known as XXXX XXXX XXXX. This information is false and not accurate. They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/year>. This company has not responded to my letter within 30 to 35 days and my tracking number for this letter is XXXX. Please look into this matter. 

According to 15 USC 1681i 5 they are supposed to do this ( 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 the item of information from the file of the consumer Delete account From my credit report, as well as all derogatory remarks from my credit report, because of multiple violations of the fair credit reporting act
Product: Debt collection

I recently disputed inaccuracies in the reporting of my Citibank account ( # XXXX ) on my credit report. Citibank responded by stating that the account was verified, but the response did not address the specific concerns I raised about discrepancies in the reported information. 

The issues include inconsistencies in the balance, payment history, and the dates of first delinquency and charge-off. Additionally, Citibank has not provided sufficient documentation to support the claimed accuracy of the reported information. This lack of transparency and incomplete response raises serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and 16 CFR 660.4 ( c ), which require furnishers of information to conduct reasonable investigations and report accurate, complete, and verifiable information.

These inaccuracies have negatively impacted my credit score and financial standing, resulting in adverse decisions, such as higher interest rates and denied credit applications.
Product: Credit reporting or other personal consumer reports

See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX / XXXX - account number ending in XXXX and XXXX XXXX  account number ending in XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an 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, ( they may only report crimes not debts ) 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 the information is inaccurate. 
Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise.

Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant.

Please delete these accounts properlythank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts many of times but the credit reporting agencies XXXX in particular tend to follow their own rules as oppose to the consumer laws set forth within the FCRA rule of laws. And if this problem remains un fixed then I will then take this matter up with FTC inwhom backs up the FCRA and/ or file suite . Once again I'm disputing the following accounts. # 1, XXXX  XXXX XXXX XXXX, # 2 XXXX XXXX, # 3 XXXX XXXX, on a few accounts now, for one they do not belong to me, nor do I have any contract with the above companies. However, the credit reporting agencies investigation into this matter results were " Verified As Accurate ". As my consumer right I'm requesting the Method Of Verification used in your companies coming to such an conclusion. I would like to know the name and title of your company 's representative inwhom handle my case. I would like to know inwhom did they speak with, text, email, write, fax, etc, what day and time did this communication take place. And more importantly what physical contract or any documentation that was reviewed and copied by your reporting company. Please up date my file correctly and if you nor your companies can not provide me with all the requested info above then as written in the FCRA them disputed accounts shall be removed immediately, blocked from reporting false information that is hindering me from my rightful and true credit report.
Product: Vehicle loan or lease

1. On XX/XX/XXXX I attempted to cancel my extended warranty for a used vehicle I had just purchased. I purchased my vehicle through a dealership who also helped me secure financing. I had to submit a form to cancel the auto warranty. An agent of the dealership confirmed receipt of my warranty cancellation form on XXXX XXXX, XXXX and informed me it will take XXXX weeks for the warranty refund amount to be taken off the principal of the loan. 
2. On XXXX XXXX, XXXX I asked the same agent of the dealership to produce documentation of the warranty cancellation and " refund '' to my financing principal. They were either unwilling or unable to produce such documentation. 
3. On XXXX XXXX, XXXX I was informed {$2800.00} would be going to the lienholder and would be reflected on my next billing statement. 
4. On XXXX XXXX, XXXX No change was reflected on my auto loan statement showing {$2800.00} being sent back to the lienholder. 
5. On XXXX XXXX, XXXX I was informed by an agent of the auto dealership it would take XXXX billing cycles to apply to my account. 

Auto Dealer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Lienholder : Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app  have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. If they suspect something then they need to work with the customers on a resolution, instead they just sit on their hands and holding people 's money hostage. What if the money is needed to pay bills, and what if there's a emergency and the money is locked up and out of reach? Support need to initiate the call because it's people 's livelihood they are messing with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting Inaccurate last payment dates. XXXX is reporting my last payment date as XXXX XXXX. XXXX has no last payment date at all. Equifax has no last payment date. Without identical identifying dates of my last payment made, there is no way to correctly determine the fall off date. This is a violation and prohibited by law.
Product: Checking or savings account

XXXX The above complaint has still not been resolved, and they ignore me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$3400.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024, I initiated a XXXX transfer of {$150.00} to the phone number ( XXXX ) XXXX from my account ending in XXXX. Since then, I have been unable to receive any clear information regarding the status of this transaction. Despite multiple attempts to contact customer service, I have been transferred between various departments without a resolution.

I would appreciate your prompt attention to this matter and request a thorough investigation into the whereabouts of my funds. Please provide a clear response or an update on the status of my transaction.

Thank you for your time and assistance. I look forward to your prompt resolution of this issue.
Product: Credit card or prepaid card

Previous complaint was filed : XX/XX/XXXX, ID XXXX ORIGINAL COMPLAINT : Reliacard, US Bank Corp XXXX {$13000.00} balance. Account was closed effective XX/XX/XXXX. Reason given in letter XX/XX/XXXX : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/XXXX, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account. 

See US Bank Corp response, including ID verification directions. Attached. 
A photo of my current passport and a selfie was submitted XX/XX/XXXX, per option # 2, e mail, " Complaints .... '' twice. The bank has NOT responded with my funds or Re : adequacy photos. 

Since, I have inquired if the ID photos were acceptable : no response. I DID receive a letter from US Bank saying my " change of address '' had been noted : my address was NOT changed, just more precise destination added to same as on file at least since XXXX. 

In Bank Corp. response " XXXX '' did say at some indefinite time my {$13000.00} would be returned to OHIO? My account originated in Oregon. I just want a check for the above, close the card/account.
Product: Payday loan, title loan, or personal loan

My loan charged off due to a job loss, I have started making payments to XXXX XXXX, however my monthly {$50.00} payments is going towards the interest and I will never be able to payoff the loan. 

I thought there was no more interest once the loan has been charge off, I have {$200.00} in payments and only {$60.00} has been placed against the principal and {$140.00} has been place towards the interests. 

I can't get a payoff, I would have to pay {$3000.00} to payoff a balance of {$1300.00}, for example I paid on XX/XX/18 {$50.00} towards a {$1300.00} balance and now the balance is {$1300.00}, this is a ripoff. 

Please help me settle this because I am unemployed, however I am still trying to pay my debt, but with this system, I will never be able to pay off this debt.
Product: Debt collection

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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 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 purpose. 
PLEASE UPDATE ACCOUNT TO PAANL IMMEDIATELY THANK YOU AND ADVANCE
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Validation or Removal of Disputed Account XXXX Funding ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) I am writing to formally dispute and demand immediate validation of the XXXX Funding account ( Original Creditor : XXXX XXXX XXXX XXXX  ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$XXXX} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Account Status : Derogatory/Collection/Chargeoff I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information reported. Therefore, I am requesting that you validate this account or remove it from my credit report. Specifically, I demand : Original documentation proving that I authorized the opening of this account. 
Records showing any payments or transactions made under this account. 
XXXX from the original creditor, XXXX XXXXXXXX XXXX XXXXXXXX, that I am responsible for this debt. 
The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g also requires that any collection agency must provide validation of a debt when requested. Reporting inaccurate or unverified information constitutes a violation of both the FDCPA and FCRA.

Furthermore, 15 U.S.C. 1681s-2 ( b ) mandates that the credit bureau must cease reporting disputed accounts until they have been properly verified. If you are unable to validate this account with supporting documents, I request its immediate removal from my credit report.

Please confirm your investigation within the legally required 30-day timeframe as outlined by the FCRA. If this account is not validated or removed promptly, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies as necessary. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Twice I have attempted to open a high yield savings account with XXXX and each time XXXX am declined via email ( attached ) which indicates they were unable to verify my identity. A phone call to the provided customer support number to verify I am not on any VPN that would not allow the verification of my location. 
I have verified I do not have a credit freeze or a fraud alert with XXXX, XXXX XXXX, XXXX and XXXX. 
I have applied for a high yield savings account at XXXX twice, XXXX twice, XXXX and XXXX and every time I am denied. 
I am unable to determine the root cause and under the Fair Credit Reporting Act ( FCRA ), financial institutions are required to provide you with an adverse action notice if they deny your application based on information in your credit report.
Product: Checking or savings account

A person used my card to buy XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$120.00} on XX/XX/year>. I reported the problem to the company they said no refunds, I contacted my bank and they denied my claim stating " I '' agreed to the company 's agreement.
Product: Mortgage

We applied for a streamlined refinance on XXXX XXXX, 2015 with Freedom Mortgage. Initially, we were told the process would take XXXX3 weeks. Since that time, we have been through several processors at Freedom Mortgage, so we never know who to contact for questions. We have been promised several closing dates ... of which all of them have come and gone with little to no explanation. They stated once that part of a delay was they were waiting on us to send a subordination agreement ... of which I had sent them XXXX times previously for their approval before having my XXXX mortgage lender sign it. Then ... when Freedom approved the subordination, I overnighted the signed document to Freedom ... only to find out several days later that they needed the subordination changed. We are fed up with this process and do n't understand the consistent delays with the complete lack of communication.
Product: Credit reporting

Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was XXXX. I did not see that distinction in the Fair Credit Reporting act