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

Equifax has committed multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). First, the reinserted XXXX XXXX XXXX accounts ( Account number : XXXX and XXXX ) were added to my credit report without providing the required notice under 15 USC 1681i ( a ) ( 5 ) ( B ). The FCRA clearly mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days. Equifax failed to meet this requirement, constituting a direct violation of federal law. 

Second, these disputed accounts do not appear on my credit reports with XXXX and XXXX, raising serious concerns about the accuracy and reliability of XXXX reporting. Under 15 USC 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy when reporting credit information. The fact that these accounts are reported inconsistently compared to other bureaus demonstrates a clear failure to meet this legal obligation and undermines the credibility of XXXX data. 

Furthermore, these violations may reflect willful noncompliance under 15 USC 1681n, which holds credit reporting agencies liable for knowingly breaching the FCRA. The lack of proper reinsertion notification, combined with inaccurate and inconsistent reporting, highlights gross negligence in XXXX adherence to federal regulations. These actions have negatively impacted my credit and violated my right to fair and accurate reporting. 

I demand immediate corrective action to rectify these violations, including the permanent removal of the accounts and a full investigation into XXXX failure to comply with the Fair Credit Reporting Act.
Product: Mortgage

Hi, I will try to simplifier as much as I can and also I had complaint in the past more less on XX/XX/2018. My complaint is against the Banco Popular de Puerto Rico, they are demanding me at this moment, collection of payments. But I am contradicting such because the amount of payment being mention I have proof of payment of the mayority of the payments. I had requested documents of the mortgage application etc. etc. with no cooperation from the bank. And had been enroll in a modification program 4 or 5 times and take of the program without explanation. 

I refer as me but this mortgage was under my mothers name and she past way on XX/XX/XXXX, XXXX and I am the only hereditary. The demand was posted after my mother death. and with missing payment every transaction on the mortgate was affected, misanalized. Causing a breach of contract.
Product: Debt collection

I am unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it stating I received it
Product: Mortgage

I purchased my current home over two years ago at a guaranteed rate. Shortly after my load was sold to the 5-3rd bank. 

I have PMI as I put less than 20 % down. I have made substantial improvements to my home, like the kitchen, bathroom, all new flooring, baseboards, crown molding, interior paint and new lawn and irrigation. 

My home has appreciated over the two-plus years as well as I have spent considerable money on upgrades. I contacted the bank on XX/XX/2022 to see about getting the PMI removed. 

I have contacted the bank over 20 times online through chat or on the telephone directly, trying to get an appraisal on my home to get a true value for the home and eliminate the PMI charge based on more than 25 % equity. 

They continue to say I need to fill out a paper again, or we didn't receive that paper and we received the paper on the 30th, even though I have an email from the bank saying it was received on the 30th. I have sent the same paperwork in to them 3 separate times. 

I have been at this for 6 months!!!!!!!!!!!!! 

I need help. 

Can you help me, please?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Subject : Request for Immediate Removal of Incorrect Information from Credit Report Dear Navy cereal credit union, I am writing to formally request the immediate removal of an incorrect item from my credit report regarding my account with Navy Federal Credit Union. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, which governs the permissible purposes of consumer reports. 

The account in question has been reporting an incorrect balance and an exaggerated credit utilization rate of 82 %. The last report made in XX/XX/XXXX does not accurately reflect my current account status. This incorrect information is adversely affecting my credit score and overall financial health. 

I have reviewed my records and can confirm that the balance reported is not accurate. I request that you investigate this matter and provide me with a written confirmation of the findings. If the information can not be verified or is found to be incorrect, I ask that you take the necessary steps to have it removed from my credit report immediately. 

Please consider this letter a formal dispute regarding the inaccurate reporting of my account. I appreciate your prompt attention to this matter and look forward to your response within XXXX  days as required by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I HAD TWO CREDIT CARDS WITH CAPITAL ONE. CAPITAL ONE ALLOWED MICROSOFT TO CHARGE BOTH CARDS WITHOUT MICROSOFT NOT HAVING MY NEW CARD NUMBER AND THEN WHEN I DISPUTED THE CHARGE THEY INITALLY GAVE ME BACK THE {$75.00}, THEY MICROSOFT REJECTED MY DISPUTE SO CAPITAL ONE ALLOWED THEM TO CHARGE ME FOR OFFICE 365 WITHOUT ME PURCHASING IT. 

IN ADDITION AND THE WORST PART OF THIS IS THAT I WAS FORCED TO BUY MICROSOFT OFFICE BUT DO NOT HAVE ACCESS TO IT AND I CAN NOT REACH MICROSOFT TO GET THE CODE AND CAPITAL ONE REFUSED TO GET THE CODE. SO I HAVE PAID FOR SOMETHING I DID NOT PURCHASE AND NOW I CAN NOT EVEN ACCESS IT. 

I EITHER WANT THEM TO RETURN MY MONEY OR IF YOU CAN REACH MICROSOFT, AND GOOD LUCK, GET THE CODE OF WHAT THEY STOLE FROM ME FOR THIS SOFTWARE SO THAT I AM ABLE TO USE THE SOFTWARE THAT THEY STOLE MY FUNDS WITHOUT A PURCHASE. 

THIS IS FRAUD ON BOTH CAPITAL ONES PART AND MICROSOFT. HOW THE XXXX DO THEY GET AWAY WITH GOING TO THE BACK END OF MY ACCOUNT AND STEAL MONEY WITH NO PURCHASE AND WHY DOES CAPITAL ONE ALLOW MICROSOFT TO DO THIS? 

THIS IS THEFT AND FRAUD AND HOW MANY PEOPLE ARE THEY STEALING FROM BECAUSE THEY WILL ARGUE ITS ON A REVOLVING ACCOUNT. HAVE YOU EVER TRIED TO CANCELL ANYTHING WITH MICROSOFT? ITS NOT POSSIBLE. 

SO I WANT THIS INVESTIGATED AND I WANT MY MONEY BACK BECAUSE I CAN NOT ACCESS THE SOFTWARE, YET THEY STOLE MY MONEY WITHOUT PERMISSION AND HERE WE ARE AND I NEED THE SOFTWARE TO LOOK FOR WORK. 

I WANT THIS CORRUPTION STOPPED AND I WANT MY MONEY BACK AS ON MY LAPTOP THEY ARE ASKING FOR ME TO PURCHASE AGAN!!!!!!! 

P, LEASE GET TO THE BOTTOM OF THIS AS IT IS FRAUD AND ITS CAPITAL ONES FAULT. THEY ARE APPARENTLY AFRAID OF THE COMPANY OR THEY HAVE A CONTRACT TO ALLOW MICROSOFT TO STEAL FROM ANY NUMBER OF MILLIONS WITH A CAPITAL ONE ACCOUNT SINCE MICROSOFT AND CAPITAL ONE HAVE CHARGE BOTH CARDS I HAVE SINCE CLOSED BOTH ACCOUNTS SO THAT THEY CAN NO LONGER CHARGE ANY OF MY ACCOUNTS AS THEY ARE DOING IT ILLEGALLY
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 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 XXXX
Product: Consumer Loan

In 2005 Chrysler financial gave debt details to my chain of command. XXXX. I was behind on payments and was aproached while in XXXX. My pay was being withheld by my chain of command because I was disciplined for XXXX ( I was XXXX and a XXXX vet ). Therefore I was n't making enough to pay bills. I was ridiculed as a bum and as irresponsible.
Product: Money transfer, virtual currency, or money service

I am writing to express concerns over the handling of disputes especially in light of the XXXX  highlighting significant issues with the service. While using Zelle frequently and reporting discrepancies I feel as though my financial institution did not investigate these claims thoroughly and adequately. I was told on numerous occasions that lost funds were impossible to track and locate deeming them unfeasible. I feel as a consumer I was not protected during this occasions.
Product: Credit reporting or other personal consumer reports

This complaint is based on documented findings from the Consumer Financial Protection Bureau ( CFPB ) investigation into Experian Information Solutions, as outlined in the case Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., Case No. XXXX. 

Experian has violated its obligations under the Fair Credit Reporting Act ( FCRA ) by failing to update or remove inaccurate information on my credit report, specifically regarding charge-offs, alleged late payments, and collection accounts from the following creditors : 1. Charge-Offs and Alleged Late Payments : - XXXX XXXXXXXX : Failure to meet reasonable reinvestigation requirements under 15 U.S.C. 1681i ( a ). 
- XXXX XXXX : Ongoing reporting of disputed charge-off status and late payments without proper verification. 
- XXXXXXXX XXXX XXXXXXXX : Inadequate reinvestigation or correction of disputed charge-offs and alleged late payments. 
- XXXX XXXXXXXX : Unresolved disputes regarding charge-offs and late payment reporting in violation of Experians reinvestigation duties under 15 U.S.C. 1681i. 

2. Accounts with Alleged Late Payments : - XXXX XXXX XXXX : Continued late payment reporting despite disputes that warrant correction per FCRA 15 U.S.C. 1681i ( a ) ( 5 ). 

3. Collection Accounts : - XXXX XXXX XXXX : Two collection accounts remain on my credit report despite disputes and lack of verifiable evidence, violating 15 U.S.C. 1681e ( b ). 

Violations of FCRA & CFPB Findings : Experians practices, as described in the attached CFPB report, highlight systemic issues including : - Failure to Conduct Reasonable Reinvestigations : Experian has demonstrated a pattern of relying excessively on furnishers ' responses despite receiving contradictory evidence, contrary to 15 U.S.C. 1681i ( a ). 
- Failure to Ensure Maximum Accuracy : Experians reinsertion of previously deleted or corrected tradelines violates 15 U.S.C. 1681i ( a ) ( 5 ) and 1681e ( b ). 
- Failure to Notify Consumers Properly : Experian issued unclear and inconsistent dispute resolution letters in violation of 15 U.S.C. 1681i ( a ) ( 6 ). 

These documented failures mirror my experiences, where Experian has ignored key dispute information, resulting in inaccurate reporting. 

Impact on Credit : These reporting issues have caused credit denials, unfavorable loan terms, and financial harm, contradicting Experian 's legal obligations.
Product: Mortgage

I have been out of the country for six months and recently saw that my mortgage with Chase had jumped by an astonishing {$1500.00} per month. I paid it, believing it to be some sort of one-off adjustment to my escrow account, but then it happened again. I called the bank and they told me that FEMA had changed its maps and I was now in a flood zone. They also told me they had sent me notices by snail mail while I was out of the country, despite the fact that I opted for paperless banking years ago. 

The sent me, via e-mail, the notices from last year. The notices tell me to request a Letter of Map Amendment ( LOMA ) or Letter of Map Revision Based on Fill ( LOMR-F ) from FEMA if I think FEMA made a mistake, but I checked the map, and FEMA did not make a mistake. The bank did. In fact, they made three large mistakes, possibly with multiple errors within them. First, they failed to read the maps correctly. Second, they failed to contact me electronically, even though I had opted for paperless banking years ago. Third, even if they had contacted me electronically, as they are supposed to, the time it takes to get a LOMA would have left me in the same predicament. 

I spoke to FEMA, and they agreed I am not in a flood zone. They were able to walk through the map with me, and they told me I can still request a LOMA to be safe, but it would take six weeks to get. 

This may have begun as an honest mistake, but the mistake is not mine. Our house is one of six structurally distinct townhouses aligned along one street address but each with its own city address ( designated by numbers followed by letters ), as well as city services, deeds, homeowners insurance, utilities, plumbing, etc. Our house is far from the lake, and our elevation above the lake is substantial. We have no flood risk and are outside both the FEMA flood zone and all designated flood zones in other risk maps. 

Chase 's flood control team is hermetically sealed in a bunker in Ohio and can only be reached via fax. Even the Chase mortgage and insurance teams can't reach them any other way. 

The Chase mortgage team transferred me to the insurance team, which told me I still need to get a form from FEMA, which will take six weeks, and I have to either get cheaper insurance in the interim or trust them to refund my money when they see they are wrong. I have no such trust and don't want to saddle myself with insurance I don't need just because of their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a third party tried opening a credit card account with XXXX XXXX XXXX   under my name. This application ceased after XXXX XXXX called me and it was determined that the application had been fraudulent. 

However, a hard inquiry made by XXXX XXXX as part of the credit card approval process has remained on my Equifax credit report to this day. Upon my urging, XXXX XXXX submitted two or three inquiry suppression reports to Equifax, which should have led to the removal of the hard inquiry form my Equifax report. This inquiry, however, was never removed from the report. On the five occasions that I called Equifax, I was told that it never received an inquiry suppression from XXXX XXXX. On XX/XX/XXXX, I was told repeatedly by a person answering the phone for Equifax that XXXX XXXX misinformed me, and that Equifax can not change my credit report. I had also transmitted to Equifax ( both by regular mail and fax ) a letter from XXXX XXXX that stated that the credit inquiry from XX/XX/XXXX was based on a fraudulent credit card application, accompanied by a number of supporting documents. This communication has been ignored. 

Equifax has so far been extremely unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on numerous occasions with the latest contact dated X/XX/2017. I keep letting them know that there are 25 inquiries on my credit report was not authorized by me. They tell me to contact the companies who initiated the inquiries but the few companies I did contact told me I had to contact the credit agency that are reporting the inquiry, and when I contact Equifax they give me the run around. They tell me these inquiries will stay on my report for two years. This is not fair, especially if I did not authorized these inquiries. I believe my credit account was breached way before Equifax became public about their systems being breached. I am currently trying to place a security freeze on my credit file from all 3 credit agencies and I am also currently in the process of consulting an attorney to help me deal with these matter.
I am attaching a copy of my credit report with the inquiries highlighted ( pages 61-65 ) ....
Product: Debt collection

Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX and XXXX is missing -- COMPLETELY. The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. The last activity dates are inconsistent and seemingly updated randomly. The account status is inconsistent across the bureaus -- showing closed AND open. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN lowered my score XXXX XXXX  illegally for not accepting their add on services that they are XXXX using an old debit trying to process payment that they are unsuccessfully doing, and when I called to them to stop they removed it from my account and decided to be deceptive and abusive by lowering my credit score by XXXX XXXX and when I disconnected XXXX XXXX they also lowered my score by XXXX all in a matter of XXXX XXXX  This is illegal and someone needs to investigate this company for this abusive behavior on consumer reports.
Product: Checking or savings account

I attempted to deposit cash into my Wells Fargo debit card through a XXXX XXXX XXXX XXXX ATM on XX/XX/2023 around approximately XXXX or XXXX XXXX, not knowing that I was only supposed to use Wells Fargo ATMs. The ATM took my cash and didn't give it back, so I immediately called Wells Fargo and filed a dispute. The amount I attempted to deposit was {$820.00}. The address of the ATM is XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

Wells Fargo closed my dispute and claimed that there was no transaction/deposit at all. They said that they contacted XXXX XXXX XXXX XXXX and couldn't find any transaction, however if they did, they would find that I did actually try to deposit the {$820.00} that day. I did not even receive a resolution stating a reason for why my claim was denied, I had to call them and ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

Yes a lady by the name of XXXX XXXX called and left a voicemail for me on behalf of XXXX XXXX stating she was from a proceeding office and she had instructions from XXXX XXXX and XXXX XXXX to file a lawsuit against me. I called XXXX XXXX and spoke to multiple people and none of them mentioned a lawsuit or anything of that nature. The reps offered me a chance to pay the debt for {$200.00} due to the company having a promotion and then gave me a number to a United who didn't have my file so I called back to XXXX XXXX to try to pay the {$200.00} and again it was the XXXX XXXX who was trying to file a lawsuit against me that XXXX XXXX gave them. I then called the XXXX number since they are the ones who called me today and were the one who are trying to sue me and take me to court and told them about the promotion. The lady I spoke said she called the president/owner and he said that I couldn't have the {$200.00} promotion because the lady who wants to do the lawsuit didn't agree with it and I know for a fact that debt collection agency accept offer all the time for less than the amount and I'm not sure if its because I haven't been notified about this debt or if the lady was just having a bad day but something seemed off.
Product: Debt collection

Negative reporting to my credit profile with no validity and/or authorization under FDCPA laws.
Product: Debt collection

Original company was with XXXX finance company on or about XX/XX/2015 and now owned by Cavalry port balance of {$9900.00} was changed off. The Debt is to old to Legally collect.