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 my 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 ), XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceedings ( XXXX XXXX XXXXXXXX ) XXXX them for similar violations. I request that the CFPB federal law and provides consumers with the necessary proof of investigation. These are the accounted that I have marked as inaccurate. 

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

I noticed a collection account with Synchrony Bank on my XXXX   and XXXX XXXX credit reports on XX/XX/XXXX. Investigation indicated this was a XXXX XXXX charge account. I immediately filed a dispute. During a recent mortgage process, I was told the collection account remains on my XXXX XXXX report and is now showing on my XXXX report. I have filed another dispute with XXXX XXXX ( XX/XX/XXXX ) and an initial dispute with XXXX ( XX/XX/XXXX ). 

My credit report shows the account opened on XX/XX/XXXX with the first delinquent date as XX/XX/XXXX. The credit limit is reported as {$1200.00} with a charged-balance of {$380.00}. 

I have attempted several times to contact Synchrony Bank regarding this but have yet been able to speak to someone. Despite calling during their business hours as stated not their website, I am told to call back during normal business hours. Or, If I get placed in a call queue, I am disconnected. Certified letters will be mailed to Synchrony Bank on Monday, XX/XX/XXXX, to the two different mailing addresses I have been provided. 

My wife and I have excellent credit scores ( XXXX ), at least until this point. It is extremely frustrating that we continue to have to address this issue. And it is infuriating that we can not speak to someone about this! And even more so when an internet search indicates this is an on-going issue with Synchrony Bank and this XXXX XXXX  charge card. 

Equally frustrating is that we also have several other charge accounts held by Synchrony Bank, all of which have our current contact information and an excellent payment history, and not once has anyone attempted to contact me/us about this charged-off account.
Product: Credit reporting or other personal consumer reports

Shellpoint Mortgage Servicing I have written to formally request an urgent correction regarding the reporting of my home loan. My mortgage, associated with Loan Number : XXXX, for the property located at : Illinois was transferred to XXXX XXXX in XX/XX/year>. Since that time, XXXX XXXX  has been accurately reporting the transfer. However, I have recently discovered that Shellpoint Mortgage continues to report itself as a holder of this loan on my credit report. 
This error has caused a loss of XXXX points on my credit score, negatively impacting my creditworthiness and exposing me to unnecessary financial risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no knowledge of the alleged debt. I have never entered into any contract or agreement with Stevens Business Service. I have not received any written communication from Stevens Business Service which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer. 
This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. Stevens Business Service did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the Stevens Business Service should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Credit reporting

I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.
Product: Payday loan, title loan, or personal loan

In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', BBL actually owes me {$1100.00} in overpaid interest.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Mortgage

I filled out an order for relief for XXXX XXXX lending granting them credit on the application which gives me a security interest in the business known as equity. The amount was for XXXX around XX/XX/2022. I was denied. On XX/XX/2022 I received and adverse action letter from your company attempting to explain why I was denied. This was clearly and act of DISCRIMINATION pursuant to 15 usc 1691 ( a ) ( 3 ) I used my credit card pursuant to 15 usc 1602 ( a ) ( L ) to extend myself credit through your company, which make me a creditor pursuant to 15 usc 1602 ( G ). That also give me the right to give credit pursuant to 15 usc 1602 ( F ). I exercised my right in good faith to extend myself credit as a consumer, and a creditor pursuant to 15 usc 1691a ( 3 ), I have received no benefits from this consumer credit transaction pursuant to 15 usc 1602 ( a ) ( p ) on top of that my credit card was used by a person other than myself which is clearly a violation of this federal law. I told XXXX XXXX i had given him all the info he needed to process the loan, XXXX said he was going to XXXX the load. I explained the information above to XXXX he told me it doesn't apply to me getting the loan and no one was going to give me one. I told XXXX XXXX okay and hung up the phone. I am looking to get the loan that i need to get the house i want. No company rules supersedes federal LAW!!!!
Product: Credit card or prepaid card

I purchased an American Express Serve Cash Back Card today with the intention of making a purchase without having to use my primary credit union account info. After having purchased the card, unbeknownst to me, the merchant I intended to use it for does NOT accept American Express. I am unable to return this prepaid card back to XXXX for a refund. I have been calling the number on the back card ( XXXX ) literally for hours on end and have been unable to reach any customer service agent. The automated system does not provide you with an option to speak with anyone. Pressing XXXX  does not work either as the line simply disconnects after repeating its pre-recorded message. www.serve.com is not allowing me to register my card, therefore I am unable to set up an PIN to be able to retrieve the funds that I loaded onto the card from an ATM, nor am I able to make any online purchases or pay bills because a billing address has not and can not be set up online at this time. I have been in contact with @ AmericanExpress on twitter but to no resolve as they " don't have access to the prepaid platform via this channel '' I have contacted the American Express Credit Card Dept who also have been unable to help and have simply transferred me to the prepaid platform where the line continuously disconnects. I was essentially robbed, in the middle of a pandemic, and American Express has been everything but unhelpful.
Product: Credit reporting or other personal consumer reports

I am

filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours saying the account is correct, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act, 15. U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding. ( XXXX XXXX. 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. 

Please remove : XXXX XXXX, ( account number XXXX ) XXXX XXXX XXXX ( Account number XXXX ) XXXX  XXXX XXXX. ( Account number XXXX )
Product: Mortgage

TD Bank continues to pursue me for a debt related to a foreclosure that occurred well over five years ago. The property associated with this mortgage was surrendered in XXXX of 2011, and despite that, TD Bank continues with collection efforts. They continue to report that I have a balance owed to them on my credit report as well. The statute of limitations to collect a debt in the state of North Carolina is three years, so their continued efforts and reporting is a violation of my rights.
Product: Credit reporting

I have received the response below from Transunion. They send me another copy of my credit report apologizing that they made a mistake on the previous report they sent me. The phone number for the creditor is invalid., it is impossible for me to contact the creditor and verify the information that is reflected on my credit report. A representative from Transunion told me on a recorded line that the number was not working and that I should contact Transunion by mail. I am still waiting for the correct information from Transunion from the creditor. I have attached a copy of the most recent report I received from Transunion. 

TransUnion said : Explanation of closure In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. 

Response After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it.
Product: Debt collection

Casio Partners sent me an invoice months ago for a medical debt that was responded with a request for validation of the debt ( Provider name, detail of charges insurance billed ) etc ) but did not respond. 
I am a XXXX recipient and there is no record of services billed for the date of service noted in their invoice nor that of my supplementary insurance. This week a collection notice was filed with credit bureaus and alerted by my credit monitoring services. Clearly they have not complied with requirements to validate the debt they have purchased and trying to collect.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

My dependent had a bank account with Security Service Federal Credit Union ( SSFCU ). We decided to close the account in XX/XX/XXXX. Initially I attempted to close my dependent bank account, but I was advised that my dependent had to be with me. There was a small balance of {$3.00} on the account. On XX/XX/XXXX, my dependent and I went to SSFCU XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX close the account and was told by XXXX XXXX representative that we didn't owe anything on the account the balance was zero. When I inquired about another dilemma this is how I found out that the account was not closed, and the small balance was written off. In XX/XX/XXXX someone hacked my bank account with XXXX and transferred a deposit of {$110.00} to a closed account with Security Service Federal Credit Union XXXX ( XXXX ). I closed my business checking and personal checking accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX sometime in XXXX due to bank fraud. My beginning and ending balances were not balanced properly and it looked as if someone was rolling my transactions backwards in order to steal my money. The description of the transfer is FEE {$3.00} SESFCU XXXX XXXX  XXXX ONLINE EXTERNAL TRNSF. I never had any external accounts connected to XXXX account. My XXXX bank account keeps getting compromised, so I had to close it. What recourse do I have when a hacker continuously commits bank fraud against me, and I file police reports?
Product: Debt collection

I am filing this complaint against JMC Leasing Specialties , LLC regarding illegal garnishment actions initiated against me in connection with a repossession. The company violated federal law by garnishing my wages/funds without proper notice or due process. 

Key Violations : Failure to Provide Notice : JMC Leasing Specialties , LLC failed to send me prior written notice regarding their intent to garnish, as required by federal law, including 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) and applicable state laws.

Improper Garnishment Process : No documentation or legal basis for the garnishment was provided, violating 31 U.S. Code 3718, which governs debt collection practices, including repossession-related actions. 

Lack of Transparency : The company did not provide a breakdown of the alleged debt, including the original balance, interest, fees, or other charges, leaving me unable to verify or dispute the claim.

Impact on Me : The illegal garnishment has caused : Financial hardship, as funds were taken from my account without notice. 
Emotional distress due to the companys failure to follow legal procedures and respect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report. I have found the following account with errors and reported inaccurately. 
Capital One Credit Card Account # XXXX In pursuant to 15 USC 1666B, a creditor may not treat a credit card account under an open consumer credit plan as late for any purpose. Unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by the section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

I the consumer was not giving a periodic statement.

I may also add in violation Fair Credit Reporting Act. In pursuant to 15 USC 1681 ( a ) ( 2 ), Credit reporting excludes transactions, late payments are indeed transactions.

I never gave you, Capital One, any written instructions to furnish any information on credit report in which a violation of 15 USC 1681b. You reporting late payments to the credit report agency has caused me stress and severe anxiety in regards to my consumer report. You, Capital One, should be ashamed to unlawfully report these inaccuracies. As well as committing fraud and causing financial harm to consumers.
Product: Mortgage

On Friday XXXX, I asked my loan officer XXXX XXXX XXXX from DHI Mortgage to give me an updated quote for interest as the rates had gone down from that morning at which she refused to do so. Interest rates have now risen and I was blocked from being able to lock in at the lower rate. This was the second time that she refused to allow me to lock in a rate. The first time was when I asked for the rate to be locked on XXXX which she declined to do. Because of this, she is going to cost me XXXX  more in closing costs as well as monthly payments.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX - XXXX {$4100.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$5400.00} XXXX XXXX - XXXX {$6400.00} XXXX XXXX - XXXX {$4000.00} XXXX XXXX - XXXX {$6900.00} XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX - XXXX {$6900.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX - XXXX {$0.00}