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

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by [ Credit Bureau Name ].

Despite my previous correspondence ( Letter 1 dated XX/XX/year> and Letter 2 dated XX/XX/year> ), which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Equifax has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section. 
o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : EQUIFAX failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) :. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting verification of my bankruptcy. Which I didn't get, I requesting that the bankruptcy should be removed. I also sent a copy of a letter from U.S. Bankruptcy Court that they don't report to any credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX, it was reported that I opened an account with Capital One and had a credit card with a limit of {$500.00}. In XXXX of XXXX, it was reported that I made payments on time for the credit card. That would be impossible because I was unemployed from XX/XX/XXXX, to XX/XX/XXXX. There is no way I would've been able to spend over {$700.00} when I was unemployed. My credit report also states that the account was eventually closed and charged off, and that I owe a balance of {$700.00}, which is 140 % over the limit. I believe this is a case of fraud and identity theft. I have never applied for any credit cards, nor have I opened any accounts with Capital One. I couldn't even get a card with that high of limit even if I wanted to. I only have one credit card in my name through XXXX bank, and it is a credit builder card with no limit. It's for people like me without established credit and can't apply for credit cards with high limits. I have attempted to dispute this case through credit bureaus multiple times in the last 2 months, but the issue was never resolved. I didn't realize until recently that it's most likely identity theft/fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

I looked at my transunion credit report on XX/XX/year> 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was sent demands for payment on several occasions by a credit collection agency named MRS Associates of New Jersey that has NOT proven a debt is mine. I received these demands dated XX/XX/2018, XX/XX/2018, XX/XX/2018. I also received a letter from the collection agency, which has no date on it, claiming that documents they recieved from the original creditor proves they have the right to collect from me. I never signed any contract with the debt collection agency. I have sent 2 letters dated XX/XX/2018 and XX/XX/2018 asking for the debt collection agency to validate the debt, but they have not been able to produce the tool of indebtedness they claim I owe them. They have failed to validate my request for proof I have a valid debt with them. This is a violation of my rights under fair debt collection practices.
Product: Mortgage

I continue to receive harassing phone calls even when I have asked them to stop several times. I have told them that I have a VA loan and that it isnt late until the XXXX. Yet they continue to call and harass me about payment. 

I believe it is illegal to continually harass someone about a VA loan like this. If its not illegal its very predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, Recently, I reviewed a copy of my credit report and noticed a few unauthorized credit inquiries on my XX/XX/XXXX credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the following creditors and investigate such occurrences : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX PXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
If you have any questions or need additional information, please contact me at address listed below. 



Thanks, XXXX XXXX
Product: Debt collection

I received a phone call from a representative of Columbia Debt Recovery LLC DBA Genesis on XXXX regarding an alleged debt. I mailed a very informative letter the same day that I have reason to believe I do not owe this debt because I was wrongfully charged for moving out fees. 
I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in North Carolina. 

Because I wrote to them within 30 days of being notified by your company about this debt, they should have ceased attempting to collect this alleged debt until after they provided the requested information. Instead they reported it to my credit 20 days later. Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting By reporting the debt they were in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, XXXX  and Experian are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.
Product: Mortgage

Bank of America ( BAC Home Loans ) is reporting my loan XXXX days late for the month of XXXX 2013. 
This account was never late. I am not just frivolously saying that. It really was NEVER late. 
This account was on a trial period and payments were on time. There is absolutely NO reason for this account to be reported late. Bank of America has been giving me the run around for over 1 year about this. They admit it should n't be late but no one has a clue how to fix the credit reporting. This has been seriously damaging to my credit rating and causing extreme distress. I am at my wits end with this. This late mark needs to be removed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Trans Union : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX 2017. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute Trans Union has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX Illegal credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

Trans Union needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.
Product: Consumer Loan

I have. Requested removal of my XXXX bankruptcy court. 
And denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon
Product: Mortgage

XX/XX/XXXX Lender Information The Money Source INC . 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  # XXXX To Whom It May Concern, I am reaching out to you for help. In the midst of the pandemic I ran into hardship, as many other have in our great nation. To support homeowners like me, legislators passed the cares act and several other acts. Below I will list the timeline of my experience with my mortgage lender. I hope after reading it you would find that my loan was mismanaged and there is something that can be done to help right this wrong. 
XX/XX/XXXX : I am approved for mortgage forbearance. 
XX/XX/XXXX : I call in and ask for a payment deferral plan. 
XX/XX/XXXX : I am approved and I sign the Deferral Agreement. 
XX/XX/XXXX- XX/XX/XXXX : I have called in more than 20x asking why my mortgage has not been updated. The response is that it takes 45-60 days. I respond, its been over 60 days, something may be wrong. What should I do? They respond WAIT. 
XX/XX/XXXX : I start working with 2 lenders to explore my refinance options. Both offered me 2.99 % rate FHA or 4.00 % Conventional. 
XX/XX/XXXX : The lender ( XXXX ) reports to the credit agencies that I have made a late payment. After I sought out help from XXXX XXXXXXXX XXXX  XXXX, XXXX updates my statement/account showing a deferred amount and a due amount. Corrects the credit report. 
XXXX Response : Thank you for contacting us regarding this matter. Upon receipt of the complaint, XXXX conducted a thorough review of the loan file and determined that in XXXX of XXXX, the Borrower requested to be removed from forbearance and qualified for a post COVID deferral. In XXXX of XXXX, the Borrower was approved, and in XXXX of XXXX, the deferral was sent to the investor for review. In XXXX of XXXX, the claim was approved for submission. Due to an internal error, the loan was not properly updated in XXXX system. 
XX/XX/XXXX : The 2 lenders that offered me for the refinance say they can only move forward if XXXX makes my account current. I have made about {$12000.00} in payments since signing the deferral agreement ; I was supposed to be current at this point. 
XX/XX/XXXX : I receive a phone call about an error made by XXXX on my original deferral agreement. I was told that I had to sign the new agreement or my account will be delinquent. I signed the revised agreement and then that reset the process of being current to XX/XX/XXXX. I dont need to tell you what the interest rate will look like in XXXX. Potentially 2 % higher than what it would have been in XXXX. Which is higher than what it wouldve been in XXXX. XX/XX/XXXX was supposed to be my new current day according to the agreement signed in XXXX. 
The many missteps of XXXX has prevented me from refinancing at a lower rate. My current statement is not current. They have been working on the deferral agreement for over 180 days. Millions of Americans have received COVID relief and the ability to refinance at a lower rate, which would be a huge step towards financial freedom for my family and I. Could you help right this wrong? 

Sincerely yours,
Product: Credit card or prepaid card

I applied for a Discover Credit Card on XX/XX/2023. The following day I made several attempts to cancel the application by phone and email. Discover Card is unresponsive to my emails. Customer service agent in Utah appears confused and is unable to take action.
Product: Debt collection

I was notified by my credit monitoring service that a debt collection was added to my report. This is for a debt owed to an energy/gas company based out XXXX, TX called XXXX XXXX XXXX XXXX I contacted the company who would not speak to me about this without me providing my social security number. I then contacted the debt collection agency, Credit Systems, who then told me I must file a police report and send it to them. I live in a rural area who does not file reports for out of town fraud. A XXXX, TX address is now listed on my credit report as one of my addresses. I have never lived outside of my small area in Alabama and the energy company listed does not provide any services in this area. I do not have any affiliations in Texas. I have never received a phone call or written notification about a debt that is now on my credit report of {$540.00}.
Product: Credit card

On XX/XX/2023, I purchased furniture from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - items purchased included a bedroom set ( King Size bedframe, 2 nightstands, storage bench, dresser, warranty on these items, delivery fee for these items ) and a living room sofa set. Less than 2 weeks into ownership of the bedroom set, my wife and I woke up at 3 in the morning because our bedroom crumbled beneath us while we were sleeping. Upon going into the store and requesting a refund for the bedroom set, they offered an even exchange to replace with a new set. However, I showed them on the showroom floor why the bed 's design is flawed and an even exchange would not be acceptable as the quality was not as advertised. After much back and forth with the store, they resisted giving us a refund so we filed a dispute with Synchrony Financial on XX/XX/2023. I kept communication with the store and continued to leave honest, yet negative reviews, on their social media so they finally agreed to refund us for the bedroom set and pick up the items over over multiple days in XXXX. The items were all removed from our house by XX/XX/2023, however, as of XX/XX/2023, no refund has been processed for the items that we are no longer in possession of. I called Synchrony Financial Services as I noticed my auto-pay was getting ready to process from my account on XX/XX/2023 and they explained they closed my dispute altogether because the store did not respond to their inquiry. The only option Synchrony gave me was to open a new investigation as of today with different verbiage around the items not being delivered. I asked them to raise an executive complaint about this to which they responded that they do not have an escalation process to get complaints to executive management. Our current balance with Synchrony Financial is {$5600.00} when it should reflect the reduction for the cost of the bedroom set ( {$4300.00} ) so our balance should only be {$1200.00}.
Product: Student loan

My loan is processed through XXXX XXXX. Due to an error in their processing of my income verification during XX/XX/XXXX, they added almost {$6000.00} of interest to the balance of my loan which I have been appealing to be removed. The capitalization of interest on my account was carried out in a punitive manner, and yet it was their errors that caused the interest to be added to my balance. 

Their instructions for income verification state that one can submit a paystub from their employer and write the frequency of pay on the paystub. This is what I did, and I submitted my documentation and completed forms as soon as they were requested by XXXX XXXX - 2 months prior to the re-certification date ( XX/XX/XXXX ). 

They processed my application in XX/XX/XXXX, and on XX/XX/XXXX I received notification that I was denied from the Income Based Repayment plan I have been on since XX/XX/XXXX. It turned out this was a mistake on their part - they calculated my income to be twice what it actually is, and it appeared I made too much money to qualify for this plan. Since I don't, I discussed this with them over the phone - they had ignored the frequency of pay I wrote on the paystub and calculated my pay as weekly rather than bi-weekly, which is an error. 

When I was denied from the Income Based Repayment plan, the interest on my loan balance capitalized and the close-to {$6000.00} was added to the balance of my loan. Even though their mistake was corrected and I remain on the Income Based Repayment plan based on the correct amount of my income when it was calculated using my paystub, XXXX XXXX has refused to remove the interest. 

I bring up the XX/XX/XXXX and XX/XX/XXXX dates in order to note that if they encountered any problems or discrepancy in my documentation, I sent them well in advance of the due date and I could have addressed any confusion if they had processed my application around the time when they requested it to be submitted. My interactions with them lead me to believe that part of their poor processing of my application was due to their delay and subsequent hasty processing manner, since my new payment amount was supposed to go into effect on XX/XX/XXXX. 

Thank you for your consideration.
Product: Credit card

I am writing to report a fraudulent transaction that occurred on my Cash App account and to express my frustration with the lack of support I received from Cash App when trying to resolve this issue. 
scammed through a fraudulent transaction on Cash App. As soon as I realized the issue, I attempted multiple times to contact Cash App 's customer support to report the scam and request assistance in recovering my funds However, my efforts were unsuccessful lack of response, automated replies with no resolution, inability to speak with a live representative,
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving calls from XXXX XXXX XXXX XXXX XXXX stating that if I did not return a call that I would be served with a complaint and sued. I called the number a guy said that he was collecting a debt from Bank XXXX from XXXX and that the last payment activity was XXXX. I said no that is was incorrect. Please to stop calling me and they have continued to call and now a new collection account has been placed on my Transunion credit report in the amount of {$570.00}. I disputed it with Transunion. No other credit bureau is reporting this. 


I have heard from other victims all over the country who are dealing with the same issue.