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 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 I've marked as inaccurate : XXXX  XXXX for {$210.00} opened XX/XX/XXXX XXXX  XXXX paid/closed opened XX/XX/XXXX XXXX XXXX XXXX  for {$320.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX for {$120.00} opened XX/XX/XXXXXXXX XXXX for {$6200.00} opened XX/XX/XXXX XXXX XXXX for {$5500.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX for {$130.00} opened XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, we applied for a mortgage loan through XXXX XXXX to purchase a condo. We also signed a the contract to purchase the property on that date. We were provided a schedule of requirements, including a date in which we needed to place {$3000.00} in earnest money for the purchase. As we went through the process, we were told that we would be scheduled to close on XX/XX/XXXX. During the week of XX/XX/XXXX, we were then told that the lender, Paramount Residential Mortgage Group XXXX XXXX, dropped the ball and did not order a condo project review. This would push our closing to XXXX. On XX/XX/XXXX, we received a closing disclosure that we reviewed with our mortgage broker, XXXX XXXX. I questioned the total due at closing as the disclosure did not include the earnest money that we placed on deposit previously. When we questioned this, we were told that we would get a final disclosure once the title company balanced the numbers with the lender, so we signed it. On XXXX, we were told that our closing needed to get pushed again as the lender had not completed their review. The closing then got pushed to XX/XX/XXXX. I questioned getting a new closure, which I thought had to be sent to us 3 days before closing. I was then told no, they were still compliant. On XX/XX/XXXX, we were then told that the closing was not going to happen until XX/XX/XXXX. I still did not have a final disclosure with the total fees due at closing. On XX/XX/XXXX, we were provided with what was to be our final fees due at closing, I went to the bank to get a cashiers check. On my way there, I got a call that the final number had changed. When I arrived at the bank, I was told they had changed again. I waiting for a final call back to get the final numbers for closing. Again, I was provided final numbers a few hours before closing the loan. We closed the loan on XX/XX/XXXX at XXXX MST. We were done signing at approximately XXXX and then had to wait for the lender to review the documents and provide approval that they would fund the loan. We sat at the title company until XXXX XX/XX/XXXX. MST.
Product: Checking or savings account

Hello, On XX/XX/2021 Ive tried using my N26 debit card and it got declined. 
After calling customer service i was advised that my account is in hold due to security department noticing some suspicious activity. I was advised that there is no promised date when Ill have access to my funds again. 
Then, later in the same day, XX/XX/2021 Ive received email stating that my account will be closed because Ive violated terms and conditions. Which one, wasnt specified and when Ive contacted bank again, regular customer service agent didnt have that information. 
I was also advised to provide external bank account information so funds can be transferred there which Ive provided right away. 
Week later i am still being given run around and bank customer service agents tell me that theyve sent a note to security department to expedite the process of releasing my funds. 
Id like to complain on this bank practices of not communicating to their customers properly and not stating which part of the agreement they believe Ive violated. Not i have almost {$3200.00} dollars they are holding and Im unable to pay my rent. Especially in this hard time! 
They also have constant delays responding to messages and not providing any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am filing this complaint is because i tried working it out with equifax but they dont seem to help me there is two accounts reporting on my equifax report that dont belong to me XXXX and XXXX   are not reporting it only equifax i can show screen shots as proof i have been trying to dispte it for almost 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that have been reported inaccurately and have caused significant emotional distress. The following accounts are in dispute : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX Charge Off account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Collection AccounXXXX XXXX XXXXXXXX Collection Account I am requesting that you investigate these accounts and remove any inaccurate information that has been reported. The following laws have been violated with these accounts : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Fair and Accurate Credit Transactions Act ( FACTACT ) The Truth in Lending Act ( TILA ) The Real Estate Settlement Procedures Act ( RESPA ) The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Billing Act ( FCBA ) I am also experiencing emotional distress as a result of these inaccuracies. It is causing me a great deal of stress and anxiety, and I feel as though my reputation and financial well-being are at risk. I am requesting that you take swift action to rectify these inaccuracies and restore my credit report to its proper state. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC which relates to previous case XXXX, which you closed without a satisfactory resolution. 
Requested credit report on XX/XX/21, and have not received report or any communication from them. 
Requested definition of decline statements made to XXXX, and used by XXXX, to decline credit request in previous complaint. XXXX has also not responded to similar requests made to them on XX/XX/21.
Product: Credit card or prepaid card

Hello, We have a Bestbuy Visa card that is by Citibank. We usually pay our entire statement balance in full. The last month we paid in almost full except {$120.00}. Bestbuy/Citi is charging {$44.00} in interest for one month, that is over 30 % interest for one month! This is more than 10 times higher than the agreed upon APR of the card. I called the customer contact number on the statement and they couldn't walk me through the calculation that gets this specific interest amount for one month. Between the agent and supervisor they mentioned several different interest percentages but none add up to this amount. I asked for a reference number of the call, the employee supervisor could not provide this. They provided their ID, which is XXXX, and name XXXX. The call with them ended on XX/XX/XXXX at XXXX XXXX CST. 
Thanks, XXXX
Product: Debt collection

On XX/XX/XXXX I spoke with a representative in the GM Financial Recovery department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( XXXX XXXX XXXX ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time GM Financial verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( XXXX XXXX XXXX ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for GM Financial. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

SW CRDT SYS XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, XXXX XXXX
Product: Mortgage

Due to a family matter, I was under stress. I missed one of my mortgage payments but catch up on the next payment. 

I notice there is a late fee of {$26.00}, I was never late on any of my mortgage payments. 
I call Rocket Mortgage to get the {$26.00} waived. I was told that they change their policy and are not allowed to waive the late fee. 

I am paying Rocket Mortgage an interest rate that is unbelievable and I can not believe they will not waive a {$26.00} late fee. 

Becuase I was never late in any of my payments, I want Rocket Mortgage to remove the {$26.00} fee from my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent Transunion, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Product: Credit reporting or other personal consumer reports

I have two fraudulent credit cards reporting on my credit report on transunion. 

They are XXXX XXXX credit  card & XXXX XXXX XXXX credit card
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX XXXX, I am writing this complaint to appeal the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I believe that this limitation was placed by mistake, and I would like to request that PayPal re-investigate my case and consider restoring my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions. I have never engaged in any fraudulent activity, nor have I conducted any transactions that could be considered suspicious or unlawful. 

Despite my compliance with PayPal policies, my account was permanently limited, which has caused me significant inconvenience and financial loss. I strongly believe that this limitation was a mistake, and I am eager to have PayPal re-examine my case to rectify this error. 

I would like to request that PayPal reconsider my account status and restore it to full functionality. I understand that PayPal has a duty to protect its users, and I fully support this goal. However, I believe that my account was unjustly restricted, and I am willing to cooperate fully with PayPal 's investigation to resolve this issue. 

In conclusion, I respectfully request that PayPal re-evaluate my account and take the necessary steps to restore my account to full functionality. I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

Hi! I have disputed this account before through the credit Union. It was removed from XXXX, however XXXX, and XXXX never removed. Someone opened up A checking, and credit card with Alliant Credit Union. I never opened an account with them before, nor have I ever done any business with them. At the time that account was opened I was XXXX if you actually look closely at my ID you can tell that I look XXXX and not capable of opening a credit card account. Not only that the address that was used for the application I do not or have not lived there before. Address listed is XXXX XXXX XXXX XXXX Ga XXXX. I live and were living at XXXX XXXX XXXX XXXX, Ga XXXX I would love to see any documents barring my signature bc I have never signed for anything with that company.
Product: Consumer Loan

I had some financial difficulties and decided to apply for a loan through Just Military Loans. Now I know it is my responsibilty to read everything and that I am responsible for my debts, but I do not feel it is right to charge 80 % interest rate on any loan. I know that throught the SCRA I could reduce it to 6 % if i accured the loan before active duty, but even after you enter Active Duty I believe there should be a cap on the interest rate a company can charge you. This should go for any consumer loan company.
Product: Mortgage

My name is XXXX XXXX, I live in Oregon and I have this situation with the banks. I received documents from Deutsche Bank national Trust Company and they are saying that I owe them money for some kind of judgment. I 'm not aware of any judgment especially from Deutsche bank. I 've had my loan sold to XXXX XXXX and I believe Deutsche bank already received money for selling my loan from XXXX because now XXXX has my loan and is asking me to pay my mortgage to them and XXXX is sending me my monthly statements. So why is Deutsche bank is after me and why is there a judgment when they already got paid for this loan by XXXX? 
Deutsche bank put a Sheriffs sale on my home for XXXX/XXXX/2015. I 'm very confused why they would do this and to me it seems like they are doing something very fraudulent here. I would like to stop the sale completely so that I could hire an attorney or if your company ( CFPB ) can provide a good one or recommend one so that I could have them investigate this matter and resolve this fraud. Please give me some time to do so.
Product: Checking or savings account

I opened a Truist account online about 6 months ago with a required deposit of a minimum of XXXX XXXX To this day I have not received the XXXX dollars back. 

I tried signing in but it said my account is not active. I called and they told me I have to go into a branch office to verify my account. So I went to the location in XXXX XXXX XXXX  area after work already tired because they arent open on weekends or any convenient hours. Waited for the manager finally and she told me to call.. so after explaining I already called she said there is nothing she can do and I have to call.. 

Now I called and they are telling me the same thing. To go to a branch and verify my ID. I have waited over 3 months for a check to come in the mail but havent seen anything..
Product: Credit reporting or other personal consumer reports

Loans and or charges against my information which are not mine. Also discovered the address they are using to take out loans/charges is not mine either. I have disputed with all 3 creditors. I also have XXXX and XXXX XXXX ( disputed on these as well. ) XXXX XXXX, Balance of {$1200.00}. XXXX shows this was opened in XX/XX/XXXX. Not mine. I have disputed this numerous times. These account was opened under a false address that does not belong to me either. 

XXXX XXXX  XXXX, Opened balance of {$270.00}. XXXX XXXX shows this account was opened XXXX XXXX. This account is not mine. I have disputed this numerous times. This account was opened under a false address that does not belong to me either. 

I have disputed the address that these accounts are assigned to. Never lived at the address that these are associated with.
Product: Credit card

I opened an American Express business card for a company I worked for. I was asked for certain information over the telephone like my SSN and I had admittedly asked the rep was my credit being pulled or was the credit going to use my credit I was told " No ''. I said perfect because this is not my card it is intended to be a business and I did not agree to have my credit touched. I filed a consumer complaint a year ago because of the terms of the card. I was told XXXX thing and the company received different terms then what was told to me. I did not know my credit was linked to this card until I receive a IRS document saying I have to claim income because the company had settled the card amount with American Express. I would like to file a formal complaint on my own behalf because I was lied to and I have tried to get American Express to fix their mistake. I found out it was on my credit report also. I called american express to get it removed from my credit. I never given permission to use or look up my credit. At this point, I believe this is considered to be fraud committed by XXXX of American Express employees. I have only received a phone call to say the company apologizes for the inconvenience and that the rep would be retrained and that was a year ago. After the managers reviewed all calls. My personal information was used and taken without my permission and I would like for the company to fix this problem. I have been denied credit, I have received higher interest rate for items I have purchased due to American Express not completely fixing the problem. When I received the phone call to apologize I had no idea that the card was used under my SSN. I only found out after I was denied credit. I tried to call and have it taken off now everyone at American Express states they have no information about my card other than it was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The information from the credit reporting agencies are incorrect I will like for my information on the credit report agencies to be corrected