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

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( 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 proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

My business accounts ( 2 ) were closed more than 4 months ago and bank of america does not finish verifying the funds in the account to give me my money, this has caused me to close my business because I have not been able to solve it, I call bank of America all the time and they only say that there is no update and that they have no one to contact, it is a bad practice of the bank to close my account during the coronavirus pandemic, my employees lost their jobs because I had no way to pay salaries and I had to close my business. 
they do not respond and when I ask to speak to a supervisor or the investigator who is managing my account and has the funds blocked, they do not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I discovered that I was the victim of identity theft. Several accounts were opened in my name without my authorization. I am extremely upset about this situation, and I would like to have the inaccurate accounts, addresses and inquires removed from my credit report as soon XXXX possible. I have a 2 fraud accounts XXXX XXXX and XXXX XXXX XXXX. I have 5 unauthorized inquiries 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  I have 2 fraud addresses XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX WI XXXX Thank you for your help in this matter. I would appreciated if you could take care of this situation as quickly as possible.
Product: Mortgage

incorrect applications of my payments, spend a lot of time correcting mistakes was sent a letter that my escrow would be short one penny, sent a payment of {$1.00} with a note that it should go towards escrow and was not done. Called several times to get corrected Made a payment XX/XX/XXXX, received by cap 1 XX/XX/XXXX. they extra payment was sent to unapplied funds and a note on my statement that when i make a full payment then t thehey 'll apply to my loan and they will continue to report to credit bureaus
Product: Consumer Loan

My complaint is with Santander Consumer USA, which I have an auto loan. I do not think that it is fair that customers have to pay ( apprx. {$10.00} ) for on time payments which can be made online or on the telephone. The only way a customer could possible avoid making a payment to make a payment is by setting up an XXXX ( XXXX ) payment arrangement or mailing in your payments.
Product: Debt collection

In XXXX, I filed XXXX XXXX bankruptcy. In XXXX XXXX, my attorney passed. A new attorney took the case. In XXXX, the new attorney dismissed my case and had me to refile without my consent. I told the attorney not to dismiss the case. They did it anyway. Then the attorney tried to force me to change from a XXXX to a XXXX. I refused. The attorney bailed in XXXX of XXXX. I have not been able to find other counsel. Each one stated they would force me to walk away. 
The XXXX XXXX  was closed on XX/XX/XXXX. 
Balance of debt wiped out. Bank is saying they're going to foreclose on the balance they believe I still owe. Like I hadn't paid a dime to them through the bankruptcy court.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my small business credit score I noticed that there are two accounts on the report apparently grading my business credit score an F. They also have a business credit score of XXXX as a high risk account. I have no knowledge of these accounts nor is the address of my business correct. The credit bureaus are using my home address but the account is still fraudulent and I would like this information removed. I have not had any business credit until XX/XX/2019 from XXXX in which I could provide proof. The account is a Printing and Publishing account that is over 6 months old and has nothing to do with my business. I would like the credit bureau to provide me with a contract or written proof of some sort that this is my account. Otherwise under the Fair Credit Reporting Act I would like this account removed immediately. I am also sending this complaint to the credit bureau as well. This information is affecting how fast I build my business credit which is now a major focus of my company.
Product: Student loan

I have a " missing payment '' from XX/XX/2023 that has not been applied to my loan balances. I have submitted documentation for proof of payment. I have contacted the support line numerous times with no resolution
Product: Credit card or prepaid card

I purchased appliances back in 2018, and it hasn't worked correctly ever sense I bought it. I have tried several times over the past year to reach the store regarding the issue and they have not reached out to make this issue right. I have thus far paid {$2500.00} for a washer and dryer and they want to continue to charge me but yet do not want to correct this issue, they said I purchased a warranty but yet they give me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted first progress to remove the erroneous information in XXXX of 2020. 
I disputed the inaccurate information, however the disputes came back verified, without sending me the information used to validate the accounts, against FCRA statutes. 
I furnished copies of all 3 credit reports, showing the variations of misinformation. 
On XXXX XXXX, the information came back as valid again. 

In XXXX, I contacted the better business bureaus, and was told first progress would update the account. 
as of this point in time, First progress is still reporting inaccurate and erroneous information. 

The items I cited as being violations of the FCRA were posting the high balance being higher than the collections rep had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), the fact that I had previously disputed with the CRA and they returned incorrect information FCRA 623 ( a ) ( 2 ) ( B ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and told them they would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if they continued to report any information at all to the CRA. I also let them know there are 0 sections in the FCRA that require them to report anything at all, and 0 sections that prohibit deletion.
Product: Checking or savings account

Due to a fraudulent scam activity, a check of amount USD XXXX from my account was cashed out by someone. As soon as I became aware if this fraud/ scam, I called the bank to report. I filled out and submitted fraudulent activity form and also filed a report with the police. 
The bank used delaying tactics and asked me to contact one after another person / customer service. In order for police to take action and trace down the suspect based on my report, police investigator asked that I contact my bank and get the address and other details where the check was cashed out. I requested my bank numerous times but they again used various delaying tactics and excused that the back image of check was not readable. After repeated attempts and insisting that bank should use money tranfer process to trace where the check was cashed out, finally the bank released partial info but by then it was too late ( over about two years ) that police have closed my report. When I asked my bank to reimburse me, I was informed that bank can not reimburse me because it was too late. Hence, I lost my {$550.00} from the bank due to its delaying tactics, refused to give me the details asked by police department and the bank not being able to secure my money.
Product: Credit reporting or other personal consumer reports

I have never done business with XXXX XXXX XXXX XXXX. I did check the XXXX  consumer access website and this company is not licensed to do business in the state if IL
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  shows i have 4 collections which is only 2 because of duplications. 
Thanks for your help.
Product: Credit card or prepaid card

I applied for a Wells Fargo credit card # XXXX and was denied. My XXXX rating is Excellent at XXXX. I currently have two credit cards with balances. A XXXX credit card with a {$650.00} balance and a {$22000.00} credit limit and a XXXX credit card with a {$1200.00} balance and a {$2000.00} credit limit. I also have another XXXX  credit card with a {$68000.00} credit limit and XXXX balance, a XXXX  XXXX with a {$43000.00} credit limit and XXXX balance, XXXX XXXX with a {$25000.00} credit limit, XXXX balance, a XXXX XXXX XXXX wit a {$5000.00} credit limit, XXXX balance, a XXXXXXXX XXXX XXXX XXXX  with a {$3000.00} credit limit, XXXX balance. I believe my utilization rate is well below 3 %. I pay off my balances when they are due and I have never missed a payment in my life.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to XXXX XXXX, I request their deletion within XXXX  days. The required supporting documents are enclosed.
Product: Debt or credit management

Healthcare Finance Direct continues to attempt to collect for XXXX XXXX XXXX which went bankrupt in XX/XX/2023 a couple of weeks into the medical services they were providing me. They failed to deliver on a dedicated concierge and live and in person XXXX  checkups as they had agreed to in the contract within a couple of weeks of starting my care with them as a XXXX  patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the Credit Burueas ' ability to ignore a consumer requests for investigation and removal of the the items on my Credit Report despite the multiple letters I have been sendiong to them! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Personal Information such as Driver 's license and SSN. I also attached the ID THEFT REPORT I have received from the FTC to prove to the Credit Bureaus that I am a victim of Identity theft. But despite all my efforts to and these attachents, I came to a conclusion that the Credit Burueaus are stubborn enough to not comply with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as an items incurred due to Identity Theft. I am submitting this complaitn through the CFPB to excerciseand protect my rights under the FCRA regulations. If the Credit Bureuas chose not to comply with the FCRA and keep on ignoring my letters, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for their incompetence and negligence. I need the following items removed as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Product: Credit card

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The NAVY FCU. 
is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : NAVY FCU XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies and my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act FCRA 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs 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 ( File No. 2025-CFPB-0002 ) 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. 

XXXX XXXX  : inaccurate late payment reporting XXXX : inaccurate late payment reporting XXXX XXXX  : inaccurate late payment reporting
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XX/XX/XXXX Balance. {$830.00} XXXXXXXX XXXX XXXX  - XX/XX/XXXX Balance. {$1500.00} XXXX XXXX XX/XX/XXXX XXXX. {$700.00} XXXX XXXX XXXX- XX/XX/XXXX Balance. {$2000.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX Balance. {$950.00} << XXXX XXXX- XX/XX/XXXX Balance. {$300.00}
Product: Bank account or service

I have on-line banking with Suntrust in Florida but am currently living in the XXXX. I need to wire transfer a large sum of money for my living expenses to my XXXX bank account but Suntrust are refusing to allow me to do so. They say I need a wire transfer PIN number and the only way to get one is by visiting my branch in Florida. I am financially unable to comply with this unreasonable demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** ; XXXX  XXXX**** ;
Product: Credit card or prepaid card

I was applying for a new credit card at Discover and provided every bit of information that they requested including the all the documents proving identification. After speaking with an agent it came to light that it is required that I talk on the phone to confirm these details but I speech issues on the phone which makes talking on the phone very difficult and causes quite a lot of anxiety for me. I let the agent know that and they were respectful but did not provide another option and canceled the application. Just sad that discover could not be more assistive to me.
Product: Checking or savings account

I opened a checking account in XXXXXXXX XXXX XXXX for my business as I received a check in the amount of roughly {$21000.00} from a payer source for XXXX relief. I logged into the account to see if the amount cleared and received notice that they was investigating my account and possibly closing my account. I called Chase Bank and they wouldn't give any information except for once the account closed I would receive the money within 15 days. I have yet to receive the funds. However, I received a bank statement from the that shows the money was withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a letter requesting the removal of the US BANKRUPCTY from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

SUNTRUST DBA LIGHTSTREAM Did an inquiry on my credit report in XX/XX/2022. I do not have any open accounts with this business. And I did not authorize any inquiries. I am not doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX, and Experian. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and Experian. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to Experian and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a secure credit card in the amount of {$300.00} that I started with XXXX XXXX back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and Experian and XXXX  still will not remove this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C 1681 requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, and relevancy. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : *** Identity Theft- XXXX Account Number : XXXX *** Identity Theft-XXXXAccount Number : XXXX *** Identity Theft-XXXX  Account Number : XXXX *** Identity Theft-DP OF EDUC-Account Number : XXXX *** Identity Theft-XXXX XXXX-Account Number : XXXX *** Identity Theft-DP OF EDUC-Account Number : XXXX 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 further states that a consumer reporting agency can not furnish an account without my written instructions or consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : States that 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 ) States that 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: Student loan

I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have 121 ( and now more ) payments out of the 120 needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. 
I have heard nothing from them, nor have I received any documents. 

I called again today and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card is being improperly reported as me being over the credit limit which is a violation of the fair credit reporting act. See XX/XX/23 statement attached