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

Consumer complaint narrative- It is understood that your credit reporting agency has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. However, According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

I need the documentation i never received. also what debt is this? Original creditor please.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b- Permissible 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately! 
I have attached an id theft report, proof of identification, proof of address, and social security card for verification.
Product: Checking or savings account

I paid XXXX XXXX XXXX XXXX  to do my taxes. I never got my completed taxes. I called XXXX XXXX at XXXX. He told me he was in XXXX XXXX with no cell phone service. He told me he would call me at XXXXXXXX XXXX that Friday then called to change that to XXXXXXXX XXXX. I went to look at my texts with XXXX XXXX. He pulled all the texts back meaning I couldn't see his part of the message. 

I immediately contacted my bank Chase and told them what happened, They reversed the charge of XXXX. I paid someone else to do my taxes. 

Today almost 2 months later, I check my account. JP Morgan Chase, reversed the charge again. When I called JP Morgan Chase, their reason was the vendor used a third party ( XXXX ) to process the payment. That has nothing to do with me. I did not receive the goods I paid for. Now I have paid for my taxes twice. I want my XXXX put back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX : {$0.00} Charge-off XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$19000.00} Late-Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX  assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as XXXX  days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Product: Student loan

When I enrolled in my college ( XXXX XXXX XXXX, XXXX XXXX, KY ) I followed the advice of my XXXX and did exactly what he recommended, in terms of credit load. He ( and the professors in the education department ) recommended following a XXXX year plan to ensure that I would be able to manage my classes and classroom/XXXX hours. What they did not tell me is that my federal aide was only good for XXXX years. So I continued following their recommendations and the summer before my fifth year I received a statement letter saying I would receive XXXX dollars in financial aide. I was absolutely panicked and neither me or my parents knew what to do. I had very little guidance and wht I did get from financial aide office was vague. I had no idea that the private loan I was getting would leave me with such high monthly payments and that they would not budge in the amount of those payments. I was a college kid living with my parents and relying greatly on their knowledge and that of the student aide people, confident that both knew what they were getting me in to. What I 'm most upset about is that I was a XXXX student, I could have, and would have carried a heavier course load to get done in XXXX years, had I known I was losing all my federal aide that fifth year. If that was explained to my parents, they failed to tell me but I do n't think they were aware of it either. I have XXXX dollars of student loan debt and I make about XXXX. The federal loans are manageable because of government programs like XXXX plans. The private loan through Key Bank, totaling about XXXX, is not manageable, with payments of XXXX a month. I have XXXX young children and bills are getting heavier and heavier. Please help. Thank you.
Product: Mortgage

After several weeks of submitting more and more information to Bank of America to secure a conventional loan, with one-third down, we were denied the loan - the reason, insufficient cash to close. At the time we needed {$45000.00} to close and we had {$60000.00} in a savings account at XXXX XXXX. We paid cash for the house 6 days after we were denied loan. We feel that there other reasons for denying the loan and would like to know what they are. We are XXXX and XXXX years of age and are wondering if any age discrimination was involved, or if we were denied because our savings account was at a different bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I consumer XXXX XXXX, requested my consumer file from EQUIFAX. EQUIFAX 's representative stated to me EQUIFAX does not send out consumer files, which is a violation of the FCRA.
Product: Checking or savings account

Paid my credit card payment through compass and didnt have the money to cover it so got sent back. No one notified me or told me. And they kept trying to put it through all month charging me XXXX $ every time. They tried to say I didnt have money in the bank so I asked if deposits go on before withdrawals. I was told yes. Then wen I showed them the withdrawal went through at XXXX am and I got my paycheck at XXXX and deposited it, thats wen they change their mind and say no this particular withdrawal is instant even tho it never has been instant for a whole year until I showed them wat they said wasnt correct. So they just change their minds everytime you prove that they are lying. Isnt that convenient. Always a reason how theyre right and the customer is wrong. That way they can steal money from on anyone anytime they want. This needs to be stopped and compass board of directors needs to be locked up with a life sentence since theyve been stealing from Americans since they came into existence.
Product: Checking or savings account

On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX  branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved.
Product: Credit reporting

THE BUREAU TRANS UNION. HAS XXXX INQUIREIES THAT WERE UNAUTHORIZED. 
COLLECTIONSNOT MINE/XXXX -PAID IN FULLXXXX XXXX-NOT MINEXXXX XXXX -NOT MINE
Product: Credit card

TD Credit Card Former CC user - no issues took advantage of 0 % interest period promo Cancelled card a few years ago Received an pre-approved invitation to apply on XX/XX/XXXX and denied on XX/XX/XXXX. 

REASON : INSUFFICIENT CREDIT HISTORY REPORTED IN THE LAST 6 MONTHS. 

I am XXXX and have had credit as old even before XXXX. Always paid on time, never late. Every active 0 % promo CC is under 30 % ; and under 16 % of all CC under my name. 

I am claiming age discrimination and yet XXXX on XXXX XXXX is XXXX - no car loan, no mortgage. I use CC only 0 % promo cards under a XXXX of credit limit and treat each card as if a balloon loan and payoff the final balance when the promo expires - paying no interests or late fees.
Product: Credit reporting or other personal consumer reports

This is absolutely distressing to know that my rights as a consumer is being violated. I value my credit score a lot and the errors on my credit report has negatively affected both my financial opportunities as well as my XXXX  health. I've been trying to fix this for some time and my requests kept getting disregarded and ignored in correcting these errors and my concerns regarding the inaccuracies on my credit report which has been stressing me out as my new credit applications are being denied because of these.
Product: Credit card or prepaid card

I ordered photographic electronics, items from a merchant ( XXXX XXXX XXXX XXXX ) online with Chase Credit card worth of {$9500.00} XX/XX/XXXX The merchant claimed the order was delivered to someone else other than myself. I have made a good faith effort to resolve the problem with the merchant directly by contacting the merchant couple of hours after didnt receive my merchandise. I asked for a replacement or give me a refund, but after many efforts of complaints to recover a refund, there was no response or a resolution by the merchant. The seller at first said it will be investigated with XXXX and will get back to me XX/XX/XXXX but no one contacted me since. I contacted my credit card company to dispute the charges asserting that the goods or services were not accepted or delivered as agreed. XX/XX/XXXX during the investigation conducted by Chase, the merchant responded with some outrageous claim of accusations without bases and failed to provide proof that it delivered product according to the agreement. After my request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for supporting documents as to the facts that goods were delivered to and signed by me, Chase close the case and is now asking me to pay for goods I did not received. Chase has failed to comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable including, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is the lack of accountability that Experian is holding XXXX for reporting negatively on my credit report. I have been working with Experian for over a year to remove this account from my credit report. I have explained that this account has been fraudulently opened in my name. I have provided police reports to prove this as well. I have explained to Experian that the creditor, XXXX XXXX XXXX refuses to speak to me because they have sold my account to another agency, XXXX XXXX XXXX. XXXX XXXX XXXX has stopped their reporting efforts while XXXX remains on my credit report. XXXX XXXX XXXX stopped their reporting efforts because they have researched and found that XXXX XXXX has confirmed my issue was corrected back in 2017. In my latest dispute, I advised Experian that the issue I had with XXXXXXXX XXXX was remedied back in 2017. Experian reach out to XXXX  XXXX XXXX who simply stated " no changes to be made ''. Experian has not held the agency accountable to show any documentation such as a statement or proof of contract or anything else to confirm their findings. As the credit reporting agency, Experian is responsible for confirming that the creditors information is reported as accurate. Simply indicating that " no changes made '' is not suffice. I want this account deleted immediately.
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 are the accounts that I have marked inaccurate & I would like the reported accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I called AMEX twice to troubleshoot why my AMEX Reward Card payment on XXXX and XXXX was rejected, to which the response was that I needed to use the card at businesses which ask for the card number, expiration date, and security code. I informed them that both of the aforementioned companies do. I was then told that it might be an issue with not having a zip code attached to the card. I asked which retailers they know will work and they pointed me to businesses listed on their website. I tried using it at XXXX ( XXXX of the sites listed ) and the card was still unable to be processed. I have researched this issue and several others have also ran into the same hurdle. I have never encountered this issue with any other gift cards and was about to just give up on this {$50.00} gift card ; however, in my research, someone mentioned reaching out to consumer reports to navigate the issue. There are XXXX screenshots attached. XXXX is my XXXX screenshot which shows that my recent order would not process and has been delayed as they tried several times to use my reward card before reverting to my backup paymentwhich I was trying to avoid. The other screenshot is XXXX. This screenshot shows an initial order failure with the AMEX Reward Card, so I bought the same deal with my regular card. Then I found a cheaper deal ( under {$50.00} ) which I thought may make the transaction go through with my AMEX Reward Card, so I got my deal refunded and attempted to buy the cheaper deal ( {$40.00} ) with the AMEX gift card and it failed, so I had to just buy it with my regular card. XXXX was the same but I dont have a screenshot for that.
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 I submitted a complaint against XXXX XXXX. Unsolicited contacts that I had repeatedly requested not to be contacted by email and physical mail then over the phone. I received a reply : Company 's Response Ms. XXXX, We are in receipt of your consumer complaint against XXXX filed with the Consumer Financial Protection Bureau. We take all complaints seriously and, as such, investigated this matter. Per your request, we have removed your name from any future offers or mailings that we may make ... .Sincerely, XXXX XXXX I am now in receipt of another unsolicited offer dated XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX 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 XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX this company is reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX Acct XXXX XXXX this company has reported inaccurate and incomplete information on my credit report. 

XXXX XXXX Acct XXXX XXXX this company is reporting inaccurate and incomplete information on my credit report. This is account is also possible older than 7 years old with the original creditor and I tried to find this business and it could possibly be closed or under a different name. 

This is negatively affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians make customer try their services in order to check their credit report. I had a 30 day trial for free. After checking my report I emailed and called to cancel the trial. Today I was charged for the trial even though I requested for it to be cancelled. When I called Experian today they told me there was no membership under my name. I want to be refunded my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a specific collections account listed on my credit report ( XXXX ) and Experian is continuing to allow them to update the account that is over 7 years old. This company has updated the date the account was opened 3 times and Experian is allowing this to affect my credit. I dispute and then the account becomes worse. The account was opened in XX/XX/XXXX. One of the latest reportings was that the account would drop off my credit in XX/XX/XXXX. Now, it has been updated to XX/XX/XXXX. 

This is hurting my credit in a major way and I have continued to try and resolve and have it removed ( based on age of account and inability to pay balance which was tripled to over {$7000.00} ) Please take a closer look at this concern.
Product: Debt collection

On or about XX/XX/2019 I received a court summons for suit. In the suit it out lines third party debt collector submitted a claim with the XXXX County Civil Courts on or about XX/XX/2019. On the XXXX of XXXX was the first contact and knowledge of any debt Portfolio Recovery was trying to collect. I answered the summons with a request for discovery on XX/XX/2019. The next response I received from this company was XX/XX/2019 two months later. I entered into no legally binding contract with this company and the documents yhey finally sent me are unauthenticated documents that look as if the are doctored and forged. I never enteted into a contract with this company nor have they followed the laws outlined in the Fair Debt Collections Practice Act. I feel as if this company is trying to harass, bully, and  extort money from me for a non binding debt that Portfolio Recovery never notified me about in writing.