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 XXXX 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 ( XXXX ), 12 U.S.C.

5536 ( a ) ( XXXX ) ( 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.
Product: Checking or savings account

We have online banking with Chase. Chase bank sent our mortgage payment to the wrong address. This was on XX/XX/2019. It is now mid XX/XX/XXXX and they will not give us our money back. They are asking us to prove that the mortgage lender never received the money. 

This is odd because Chase showed us the front and back of the check that was sent to the wrong address and was negotiated by an entity that was not our mortgage provider. 

My credit has been dinged through no fault of my own, we had to write a second check to prevent foreclosure discussions, and I still dont have my money. 

I would like my money returned, plus interest. I would like them to clear up my credit on this issue and I would like to be compensated for the 4 hours we spent on the phone with chase and our mortgage provider. 

They will give a provisional credit if we prove that the mortgage company never received it, but this is clearly insufficient. In my book, when someone makes a mistake with someone elses money, and they dont return it, thats called theft. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX  XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX  - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX  XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.
Product: Checking or savings account

In XX/XX/2023, I XXXX the phone number to what I thought was my bank. Chime. I talked to the woman about credit card payments. She said I needed to download an app so she could get my money back. I watched my account as she stole my money and put it into someone's account. My bank isn't doing anything to help me.
Product: Credit reporting or other personal consumer reports

This letter serves as an urgent and final demand for the immediate removal of the inaccurate and negative entry listed below from my credit report. I have previously communicated with you regarding this matter and have yet to see the necessary corrections. The discrepancies in reporting across all three major credit bureaus are unacceptable and must be rectified immediately.
Product: Debt collection

On XX/XX/2022, I received an envelope from Ascension Recovery Management, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. It is written, Ascension Recovery Management, XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. The information they provide : You were provided services by XXXX XXXX with account number XXXX As of you owe {$1900.00}. 
I have never used this service and there is nothing that proves that I did this. Never once does it provide exact dates, what kind of debt it is, and why am I being charged. They will charge me for something I never used and do not know what this is.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), 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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Account was never open by me. 
Please delete it
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a XXXX  XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit card with Forever21 but i was charged late fees when their payment account was down, called them to try to fix it and they cleared the fees and I closed the account because I was angry that because of their website not working my credit was affected. Months passed and I check my credit and it went down XXXX points from XXXX to XXXX, I called them and they said they closed my account and was supposed to take the fees off but they havent updated the information yet and its been months! to try calling next month to see if the system has updated but my credit is being affected badly!
Product: Credit reporting or other personal consumer reports

Found several errors in recent credit report ; late payments listed are inconsistent with usual payment history. Requesting correction and account update.
Product: Checking or savings account

On XX/XX/XXXX, XXXX phone calls were made to Navy Federal Credit Union at around XXXX XXXX to question why money/funds were not returned back to Savings Account by Navy Federal Credit Union as required with a service offered by them known as XXXX XXXX XXXX XXXXXXXX XXXX XXXX transaction date of XXXX XXXX. An amount of {$8.00} was transferred from XXXX Account XXXX XXXX XXXX Account on XX/XX/XXXX. The amount transferred was the XXXX  payment towards the XXXX XXXX Account. Initially, the XXXX  customer representative spoken to acknowledged that there was an amount of {$8.00} which was transferred and paid towards the XXXX XXXX Account, and that the reason why it was not released or returned to me is because the transaction was identified and categorized as a different type of transaction. I was placed on hold so that she would resolve the matter, but the phone call was disrupted by a concluding automated survey. 

An attempt to reach out to Navy Federal Credit Union again was made on same date of XX/XX/XXXX at around XXXX XXXX and spoke to a XXXX  customer representative. The XXXX  customer representative claims that due to having numerous transactions on account, she assumed it would be difficult to see the release of the funds. There is no proof that there was a release of funds or return of funds and a request was made to the second customer representative to provide such proof because there should be for documentation purposes to have proof that there was an equal exchange between lender and borrow. The second customer representative dishonored the request. Therefore a request to speak to the supervisor was made. 

The second customer representative on the same phone call transferred the concern and subject matter of this complaint to the supervisor as requested. It was explained to the supervisor the concern of the funds not reflecting on the savings account after payment towards the XXXX loan. The supervisor claims the money has been released and it may not be able to be seen due to the " high amount '' of transactions within that time frame. This information is conflicting due to the fact there is no proof that there was an increase in the savings account balance where Navy Federal Credit Union was to return the funds owed. A request for confirmation of the funds that certifies that the funds were returned or released was made and the supervisor dishonored and refused request. The supervisor unprofessionally goes on to threaten the consumer that she will be hanging up the phone due to her inability to fulfill her fiduciary role as XXXX for the Consumers account, which includes providing proof or confirmation of funds ever being released/returned to the consumer as obligated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit systems added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via experian and system gave errors. Account number XXXX XXXX XXXX I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.
Product: Debt collection

Today, XX/XX/2018, i received a call at XXXX from the phone number XXXX. I was scheduled to get a call at noon from XXXX XXXX XXXX regarding a service issue I have been having and the same lady i spoke to yesterday about the issue was to call back. The same lady with the same name called and informed me that she was calling back to discuss the issue as scheduled, and says but before we start, I have a personal business matter to discuss, can I get the last four of you social security number?, assuming my att account needed to be re accessed to start the process i gave the number. She immediately proceeded to disclose that she was with a different company, the company associated with that phone number ( ConServ? ), and stated that this is an attempt to collect a debt from XX/XX/XXXX for the amount of ... i hung up the phone because This unacceptable behavior. An associate at XXXX XXXX XXXX is imposing as a customer service agent and using this as a lure to retrieve personal information of a customer to broker a collection. I can not confidently be a customer if XXXX XXXX XXXX any longer, and this deceiving strategy to collect does not make me comfortable giving any further information to settle said collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry showed up on my credit report from XX/XX/XXXX from XXXX XXXX   and I have never talked to XXXX XXXX. No good phone number to contact. I did dispute with equifax but they would not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy.I questioned how the Bankruptcy information was obtained and the Response was the Us Bk ct/Us District court which is an incorrect Identifier.However I contacted the Court and their Response was they Do not report to Any Credit Bureaus.So this has to be lie or an Error.Also I did not Give Permission To Share my info which is a violation of my Right to Privacy.
Product: Mortgage

There has been a serious and ongoing issue with DiTech. When applying for a loan modification, DiTech advised on XX/XX/XXXX that the application went to underwriting. Throughout the process we have provided documents and clarification in a timely manner as requested by underwriting. On XX/XX/XXXX we were advised that the package was deemed complete and we needed no further explanation or documents on our end. From that day on, we called almost every other day for updates on the package. We were advised on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that our package was complete, being reviewed, and was still in underwriting. On XX/XX/XXXX, we were told that this case was being escalated because we should have had an answer by now. Then, on XX/XX/XXXX we were told that DiTech was still looking into it. Finally, on XX/XX/XXXX, the home was sold to a sheriff sale. 
Why is it that no one at DiTech was able to advise us of a sale date? DiTech gave us the impression that the modification package was not only complete, but actively being reviewed with underwriting. This is someones home and DiTech obviously does not do their due diligence to ensure people are being properly taken care of. We could have taken the proper steps to prevent this had our lender, DiTech, done their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Product: Student loan

I am currently in the XXXX forbearance. I applied to switch from XXXX to XXXX on XX/XX/XXXX, and the application is currently In Review per the XXXX website. I received an email from XXXX on XX/XX/XXXX clarifying that if you submit an application to enroll in an XXXX XXXX other than XXXX but your loan servicer is unable to process your application within XXXX business days of receiving the application you will be moved into a processing forbearance for up to XXXX days, and that this processing forbearance does count towards XXXX. I called Mohela on XX/XX/XXXX and was told that Mohela could not change my forbearance and that XXXX needed to. I chatted with XXXX the same day, and they confirmed that Mohela can and should change the forbearance. Below is a transcript of my chat. 

Any help in changing this forbearance type would be greatly appreciated. 

XXXX ( XX/XX/XXXX, XXXX PM ) : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX ( XX/XX/XXXX, XXXX PM ) : Thank you. 
XXXX ( XX/XX/XXXX, XXXX PM ) : I don't see a question, how can I help? 
XXXX ( XX/XX/XXXX, XXXX PM ) : I am currently on the XXXX forbearance but have applied to switch to XXXX. I received an email from you stating that if my servicer is unable to process my application within XXXX business days, that I would be moved to a processing forbearance that does count towards XXXX. Mohela is refusing to do that, stating that you need to notify them to change the forbearance type. Is that true? 
XXXX ( XX/XX/XXXX, XXXX PM ) : We do not issue forbearances, that is the loan servicer. The time frame I have for XXXX XXXX Repayment plan ( IDR ) application is XXXX days. 
XXXX ( XX/XX/XXXX, XXXX PM ) : Are you familiar with the email I received? What should I tell Mohela? 
XXXX ( XX/XX/XXXX, XXXX PM ) : You can fill a compliant against Mohela, and yes, I have heard of that notice. 
XXXX ( XX/XX/XXXX, XXXX PM ) : So as far as you know, it's correct that Mohela is supposed to switch borrowers from the XXXX forbearance to a processing forbearance withing XXXX business days? 
XXXX ( XX/XX/XXXX, XXXX PM ) : Yes
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$280.00} DPT EDXXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00}
Product: Debt collection

Had an two accounts with XXXX XXXX XXXX and had services preformed. Work was never completed to specification and then was billed for work completed on the incorrect account. Had a credit for {$2200.00} and was billed {$1700.00}. XXXX failed to apply the credit and failed to issue any refund of overpayments. They then turned the debt over to Bay Area Receivables, ( XXXX XXXX ) and has been attempting to collect from me and has damaged my credit rating. I have attempted to contact the vendor on several occasions and have had no resolution in over 8 years. To make matters worse Bay Area Receivables does not even list the correct date for the Balance and claims this debt is valid and new. Even after a dispute was issued no response and has refused to get me contact information for the original creditor. They have received the documentation showing the credit on my account that was never applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Discover Bank, I hope this letter finds you well. I am writing to bring to your attention a concerning matter related to the reporting of late payments on my discover account number starting with 601101. I believe that my rights as a consumer, as protected under the federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date.

I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. You also did not give me proper notice for furnishing of negative information in writing to me as a consumer pursuant to 15 U.S.C 1681s-2 ( 7 ) According to 15 U.S.C 6802 ( b ), as a consumer I was never given the opportunity to opt out from such information/account being disclosed to third parties ( All credit agencies ). 

I asked that you delete this account beginning in XXXX that was opened on XX/XX/2021 from all third parties that I was not given the opportunity to opt out from. 

Failure to address this issue in a timely manner may result in further legal action to protect my rights as a consumer. I trust that you will handle this matter with the urgency and professionalism it deserves.

Please provide a written response within 30 days of receiving this letter. I appreciate your prompt attention to this matter and I look forward to your positive response. 

Thank you for your immediate attention to this serious matter. 

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

On XX/XX/XXXX I mailed my request for my annual credit reports from all three ( Experian, XXXX, XXXX ). On XX/XX/XXXX I received my reports from XXXX and XXXX. Experian sent me a letter stating that I had already received my report within a 12 month period. Unfortunately XX/XX/XXXX is the month I requested my report last year the only reason it didn't get issued till XX/XX/XXXX was due to a delay tactic on part of Experian where they demanded unnecessary information in exchange for my annual report.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1000.00} at the time the agent told me I will only pay {$140.00} twice out of the month. But instead they are debiting it every week. I borrowed {$1000.00} but will pay off the loan at 350 % so I am looking at {$5000.00} that is predatory loans and lending