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

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) ACCOUNT Number : XXXX has violated my rights. I looked at my transunion credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. 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 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. As I highlighted in my credit report i obtained XXXX XXXX the are inaccurate and i demand that account XXXX is completly removed from my consumer report
Product: Credit card

I applied a BOA VISA XXXX card on XX/XX/2016. While I open this card, they promised {$100.00} bonus if I spent {$500.00} within 90 days. The results : I did spent about {$1100.00} in 90 days. They still deny my bonus for {$100.00}. More, I should have cash reward for about {$13.00}. They said : " We can not give you this amount, the minimum is {$25.00}. '' I think they are cheating customers.
Product: Student loan

On XX/XX/2018, I called back Navient to try and work out a payment plan on my Private student loan. I spoke with XXXX, who became frustrated that I could not make the payment they were asking for with {$180.00}, due to bills and my income. I asked if there's any way to forebear or defer, to which she said no. I asked if I can make payments of {$50.00} or what I could afford and not default she refused and got snippy then sent me over to a supervisor. XXXX gets on the phone and is immediately hostile. I explain to her the same thing with bills, my income and the financial work up, she states that they will just send me litigation and have the government garnish 25 % me then I won't be able to pay my bills. I ask her if I re-enroll in school will I get a deferment, she gets angry and says she is going to mark me as refusal to pay and hangs up the phone on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Transunion [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Transunion I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve, this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX
Product: Mortgage

I was a a temporary Forbearance. I received your last response to my compliant online. I never got a letter in the mail. During the time I was in forbearance, approximately XXXX payments were on hold, I was paying until that time, then the approximate XXXX month hold. 

When the loan started back up, you started over with a new XXXX years mortgage. I don't think that should be correct. Why did the loan start over to a brand new XXXX  year mortgage when I had been paying on the loan? I think I paid about XXXX payments before the forbearance. Why did the loan not start back over from that point instead restarting at XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have circled page 3 and page 4 of the attachment and XXXX XXXX XXXX must be removed because they admit they are unsure and cant validate the XXXX being reported. My monthly payment is not XXXX either
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint again to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX BE XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX  Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened DateXX/XX/2016 Closed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XX/XX/XXXX {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical
Product: Debt collection

On or about XX/XX/2017, I contacted XXXX XXXX about switching from XXXX to XXXX XXXX after paying and {$80.00} dollar fee I decided to stay with XXXX I contacted XXXX  XXXX and advised them that I was not going to use there service shortly there after i received a ststment for {$160.00} dollars i contacted them again and was asdised i owed the {$160.00} and i told them I never went in to XXXX to start service and was advised to send back Sim card which I did i requested a return of my {$80.00} dollars and was assured i would receive same several months later i received a letter from AmSher collection services , INC that my account number XXXX with XXXX went to collections i contacted AmSher and was sent documents via XXXX which i filled out and sent bact to XXXX several weeks I received a letter from XXXX that I didn't owe any money to date i hav n't received my {$80.00} dollar deposit and are continued to be contacted by XXXX for payment although I contacted XXXX with no result. also XXXX sent to credit reporting companies that i owe this debit which is affecting my credit score
Product: Payday loan, title loan, or personal loan

THIS IS NOT A DUPLICATE ISSUE. I HAVE PREVIOUSLY SUBMITTED COMPLAINT XXXX BUT THE ISSUE IS NOT RESOLVED. PLEASE READ : Hello, I am continuing to have multiple issues paying my monthly bill using the XXXX XXXX  They have issues with their application, their support team is extremely slow to respond, they do not have phone support, and they have not addressed the issues I have reported like they previously stated. Below I have detailed the steps I have taken to resolve the issue. 

The issue I have every month is paying my bill. I have my bank account connected ( XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX and auto-pay enabled ( reference Screenshot # XXXX ). Grain NEVER processes my monthly automatic payments. I do understand that payments are my responsibility, so in an attempt to resolve the auto-pay error in their app I have tried the following : XXXX. Logged into the app and tried make a manual payment. This does not work. The app states that " There is an error with your external account your bank isn't responding. XXXX XXXX ''. ( Reference Screenshot # XXXX ). XXXX responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. Tried to change my connected bank account to resolve connection errors. This also did not work - I am told to contact support. ( Reference Screenshot # XXXX ) Support responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. XXXX XXXX continuously to request one-time payment links and to get support for the app errors. This always results in weeks delayed responses, late fees on my account and no resolution for the app errors. I even respond after paying asking for another link for next month just to make sure I won't get a late fee and it still takes them weeks to respond. ( Reference my past complaint submissions with email screenshots ) XXXX. XXXX XXXX asking for them to help me change my bank account. This is most recently and is the most frustrating - the support agent responded that I needed proof that my current connected bank account is closed. How is that legal? I should be able to change my payment type at any time, especially when there are obvious technical issues with my current connected account. ( please reference screenshot # XXXX ). 

Grain has some serious application and support issues that are impacting my credit and finances. I have done everything as a consumer and more to try to solve these and have no where else to turn for help. In my opinion, this. company should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. XXXX XXXX kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my Gap Insurance company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called XXXX XXXX repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that XXXX XXXX did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX XXXX, XXXX the check was sent for XXXX from XXXX  XXXX Gap insurance to settle the account in full.XXXX XXXX wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being harrassed by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.
Product: Credit card

I am filing a complaint regarding the handling of a dispute with my bank concerning a transaction with XXXX. 

I purchased a laptop from XXXX in XX/XX/XXXX, order number. Upon discovering the laptop was faulty, I returned it via XXXX drop-off. XXXX initially confirmed receipt of the returned item. However, after several months, they claimed to have received the wrong item and refused to issue a refund. 

Despite providing the tracking number for my return, my bank has failed to resolve the dispute, asserting that the charge from XXXX is valid as of XX/XX/XXXX. 

I request your assistance in resolving this matter and ensuring a fair resolution. 

Thank you for your attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly handled my financial information in such a way that it became hacked and I must now assume that the information is public. I used their tool this morning at https : //www.equifaxsecurity2017.com/potential-impact/ to determine that my information has indeed been hacked. 

Equifax has done nothing to notify me of the problem other than " issue a national press release '' after a substantial delay ... I should have been notified within days that my data may be impacted so that I could take steps to protect myself but instead the company waited. Equifax claims that this is because it took a long time for their cybersecurity investigators to conduct a review but if the impetus for the review in the first place was that the company knew about a potential breach of this magnitude then this is no excuse to keep that information private for as long as they did. I personally suspect that at substantial factor in the company 's behavior with regards to timing the release of this information was having their public relations team examine how this issue affects the company 's business, which is unacceptable. 

Equifax has offered free monitoring through their new site related to this issue https : //www.equifaxsecurity2017.com, but only if I relinquish some of my legal rights to collect from them should this breach lead to damage against my finances. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

We locked our credit with all bureaus after the Equifax breach. We stored passwords from the other two bureaus and easily unlocked our credit while trying to buy a home. We did not have record of Equifax codes ( wondering if they snail mailed them the first time and we never received them ). After much time and labor, we reached them on the phone and qualified to unlock our own credit by having them snail mail us our passwords. The 5-10 business days during which they said our passwords would arrive has come and gone and we are not able to buy a home because of this. They caused the problem with the breach in the first place and now they are preventing us from buying a home.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I reported to the ftc and the credit Bureaus an they have done nothing about it
Product: Vehicle loan or lease

I applied in XXXX for auto pay two GMC financial on my online app. I have done this several times with several leases. To my display, they never put in the auto pay. Their system mustve had a glitch because on my end, it said I was enrolled in auto pay so now they gave me two months of saying I did not pay I was aware at the time it was coming out of my checking account because I was enrolled in auto pay when I talk to the customer service in XXXX they told me I had to fill out a paperwork to do auto pay. This is completely untrue and the very next day miraculously my auto pay on my app was dignified. GM did not take responsibility for their mistake, and now my credit has gone down XXXX score this needs to be fixed ASAP and GM is to be responsible for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Credit reporting or other personal consumer reports

My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was that the company was unable to provide me with a score. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in XXXX days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code BLNK and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other XXXX major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Online forums refer to this as the Equifax split file. 

Please help I am going on my third year doing this and I was hoping this could be fixed without taking more of a legal action.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

The 5 fraudulent account ( s ) appearing on my Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX on XX/XX/XXXX under the XXXX account, an account opened at XXXX XXXX on XX/XX/XXXX under the XXXX account, a loan opened at XXXX XXXX on XX/XX/XXXX under the XXXX account, an auto finance account opened at XXXX XXXX on XX/XX/XXXX under the XXXX account, and another credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account. These accounts have resulted in several fraudulent charge-offs and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.