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 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

miss used of my information.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX
Product: Mortgage

TIME IS OF THE ESSENCE! 

XXXX XXXX has been determined to be XXXX by XXXX. XXXX has designated someone to deal with Wells Fargo on his behalf, to explain details. A form for designating this person needs to be provided by Wells Fargo. 

Wells Fargo Representative, XXXX XXXX? XXXX XXXX XXXX XXXX XXXX left voicemail. when that number is called, someone else answers. XXXX XXXX needs to not be given the run-around, but have assurance that his concerns are being addressed. 

A voicemail was left at the above XXXX XXXX # XXXX ) for a single point of contact with Wells Fargo . 
2 ) for a modification packet to be delivered to XXXX XXXX XXXX XXXX .. 
3 ) for a Wells Fargo form to be XXXX, in order to be signed by XXXX XXXX to have a designated person to assist with transaction details.
Product: Mortgage

On XXXX XXXX, XXXX, My family and I am in receipt of the proposed loan modification from Fay Servicing, which is my servicer and this was what they offered : they want me to come up with {$8600.00} up front, they are increasing my interest rate to XXXX percent and my payment is going to be bumped up to $ XXXX/month ( principal, interest, taxes and insurance ) and my trial payments period is going to be XXXX months before they permanently modify my loan and they want this documents to be signed and delivered in their office no later than on the XXXX XXXX, XXXX. If it goes beyond XXXX XXXX, they automatically continue with the forclosure. Now, please do n't get me wrong, I appreciate the opportunity to modify this loan but this was what I was originally paying XXXX : They asked {$0.00} upfront, I was originally paying a 2 and 1/4 percent interest, my payment was about {$1400.00} ( PITI ) for the next XXXX years and increasing very slightly after the XXXX year. XXXX only made me make XXXX months trial payments, before they permanently modified my mortgage. Now, we understand that we fell behind and got in trouble because of the garnishment of my wages from XXXX XXXX but this was not totally our fault. Since this was caused by our work furloughs imposed to us as state workers from XX/XX/XXXX to XX/XX/XXXX. This basically took about XXXX percent of our ( my wifeand I ) such that we fell behind some credit card bills and came back to haunt us in XX/XX/XXXX. 
If we had {$8600.00} to give up we would have gladly started paying this for our mortgage. We currently have XXXX kids in college we are trying to support and another XXXX in XXXX this XXXX XXXX and going to XXXX in the fall. We do not have that kind of cash nor do we have any other resources to pay this amount. My wife and I have our credit both shot and we also have to maintain a lot of old vehicles that are starting to conk out and appliances in our house we have been trying to nurse for we are unable to replace these at the moment. We want to keep our home but we will be unable to come up with {$8600.00} up front. We feel that Fay Servicing and XXXX XXXX, who is the owner of our mortgage, is trying to show in the surface that they are offering to modify the loan with very steep conditions and requirements but really the end result is a foreclosure
Product: Vehicle loan or lease

This is a car that I had under my business and now they reported me late when I never have missed a payment since the beginning. Please remove this late payment on my account.
Product: Debt collection

Back in 2012, I filed for XXXX and a car loan was included in this XXXX. XXXX XXXX recently served my employer for garnishment on XX/XX/XXXX, this is a 9-year-old debt that overpasses the statute of limitations in my state. Nebraska, the statute of limitations 5 years from the last payment made. This means that a creditor or debt collector may not sue you for debt after five years have passed. If the agreement was verbal, then that number is reduced to 4 years in the state of Nebraska. I have been harassed by this creditor in the last 6 months calling me at work calling on weekends portraying they are laws enforcement. I was served a summons for XXXX this debt is 9 years old.
Product: Credit reporting or other personal consumer reports

I have identified several inaccuracies in my credit reports which include incorrect personal information, re-aged accounts, and other issues. I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 
None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act. Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

XXXX XXXX XXXX XXXX XXXX -remove due to inaccuracy - I never paid late XXXX XXXX XXXX XXXX-remove due to inaccuracy - I never paid late XXXX  XXXX XXXX - no notice of dispute- this is a violation The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts that I believe were added without my consent may be the result of fraud or identity theft. Please block and remove these fraudulent entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency account is showing that I have an open balance of {$73.00} on my Transunion credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX/18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX Creditor : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. Delete : ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to '' paid as agreed, paid on time, never late '' f BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY LISTED TO " PAID ON TIME, PAID AS AGREED, NEVER LATE '' IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO PAID ON TIME, PAID AS AGREED, NEVER LATE OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : " ( DEPT OF ED/XXXX  ) 14 ACCOUNTS ''
Product: Credit reporting or other personal consumer reports

this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- XX/XX/2019
Product: Debt collection

Hunter Warfield is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Hunter Warfield has failed toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. Hunter Warfield has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my XXXX   credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of attachment titled " XXXX '' ) I am requesting that the account is deleted immediately
Product: Debt collection

Received several calls claiming to be from the " Collection Bureau of the Hudson Valley '', stating that I have an outstanding debt that is now in collection. Upon evaluating my credit reports, I have no outstanding debts. Calls were from XXXX, with request to call back XXXX. Received the calls on many occasions, including XX/XX/2020, and XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter to the credit bureaus on XX/XX/XXXX Along with a FTC report as I was a victim of identity theft. The credit bureaus XXXX, XXXX, and Transunion have ignored my complaints, I have sent another set of letters regarding the hard inquiries on my credit report that do not belong to me but nothing has been done to fix the issue. I will list the hard inquiries that I requested to be removed that are still on there as of XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I left the U.S. in early XXXX  to spend the summer in XXXX. I returned in early XXXX. During this time I had an outstanding balance on my XXXX XXXX credit card of {$46.00} which was the final payment in a promotional offer I took advantage of earlier in the year. It being the final payment it was an odd amount that was different from the previous automatic payments I had set up. I was not receiving monthly statements so when I arrived in XXXX I checked my balance in order to pay the balance in full which I did. In spite of the fact that the payment was made in full I was charged {$24.00} in deferred interest however this deferred interest did not appear on the total balance due which was posted when I checked on line so I was unaware that there was anything further due until I returned home and looked at the XXXX statement which now is up to {$53.00}. If the interest had been applied when it became due I would have been aware of it when I checked the balance and I could have handled it then. Upon speaking with a representative I was told that if I had called in XXXX they could have removed the charge but because I waited until XXXX there was nothing they could do. I was told I could fax my complaint but I don't have a fax ( haven't had one in 10 years ). I was told they could not go back more than 60 days over the phone so I was left with no other alternative than to submit this complaint to the CFPB for resolution. Whatever the miscommunication was that resulted in this, I do not think it's fair that I should be penalized {$53.00}. If the deferred interest had been posted in a timely manner it could have saved the confusion. Thank you for your help in getting this resolved. I would also like to make sure that my credit rating does not reflect this error. If you check you will see that I am very responsible with handling any outstanding debt that I take on and it would be extremely unfair for this to be used against me. Again, thank you in advance for your help. XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hello, On  XXXX   XXXX ,  2017, I m ade a payment over the phone via debit card with Avant in the amount of {$3800.00}. On  XXXX   XXXX ,    2017, I a ttempted another debit card payment, this time was to payoff the loan, the total at this time was around {$1800.00}. Avant rejected my payment and said they are not allowed to take a debit/credit card payment unless the account is seriously delinquent. On their website, I am unable to change my banking information on their website, nor am I able to make a payment. The company is REFUSING to accept a payment, and only did so once I was able to payoff the loan in effort to stretch this out and collect more interest which accrues daily. I 've asked them four more times to take my payment and they still refuse. I now requested they remove the interest that has accrued since  XX/XX/XXXX  and they advised they will review which takes up to 14 days.  <P/> The same enforcement action the CFPB took against the student loan companies and payday loan companies is the same action I am requesting her e. Avant i s refusing to accept a method of payment, which they 've previously accepted, to accrue more interest on the payoff which is now more than 200 dollars and I will not be bullied into doing it! By refusing to take my payment, and not having alternate means by which to accept payment, they are causing financial harm to me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any account s Credit Inquiries Credit Inquiries- Summary XXXX TransUnion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department Of Education XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX Department Of Education XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX CrossCountry XXXX XXXX Account # XXXX XXXX Finance Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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. 

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 antedates the report by more then XXXX  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: Mortgage

NationStar/Mr. Cooper and their rep XXXX XXXX are receiving my mortgage payments, refusing to acknowledge receipt ( apply them to the loan ) in essence, stealing my money and reporting to the credit bureaus otherwise.. XXXX XXXX dispute numerous requests refuses to provide a representative to end this problem, a name was provided in token only, a XXXX XXXX, when homeowner ( who is a XXXX  ) tried to get assistance from Va, VA rep reached out to XXXX who refused to return response... this is not a disgruntled foreclosures complaint, this is a notice of fraud and an attempt to illegal acquire property through XXXX  and theft from NationStar/Mr.Cooper which is associated with or as also XXXX XXXX, contacts to XXXX XXXX, XXXX XXXX , and XXXX XXXX only resulted in them making promises to provide a representative, yet while secretly aiding the acquisition scheme, the company documents contact attempts for it's own records, but those attempts do not exist, although there have been a few missed XXXX number calls with a voicemail from a non reachable party. A representative of an XXXX XXXX promised assistance about a month ago but never followed through...
Product: Checking or savings account

In XXXX my Grandfather set up an ITF account for me at a Florida Bank. I live in MO. Current balance on XX/XX/XXXX was {$5000.00}. He sent me a letter in XXXX, telling me about this Account. He passed in XXXX. I thought this would have to go thru Probate ( but now I read it doesnt ). After a few years I phoned the bank branch in Florida, where the account was opened. I was told that I would have to appear in person before they would discuss the account. My Grandfathers XXXX copy Lists an Investment Number. The bank representative told me I would need an Account Number, my Grandfathers death certificate, my birth certificate plus marriage license. I called a few years later because I was not able to fly to Florida during bank hours. At that point, bank suggested I come to XXXX, with the requested documents, but without the account number, they would not discuss this account with me. Early XXXX my Financial Advisor called the Florida branch to plead my case. He was assured that if I sent all the above documents, plus a XXXX copy of the ITF acct., they would search for the acct. number. I sent letter certified with all the requested documents, to the XXXX TN location, as advised. On XX/XX/XXXX my documents were returned to me, along with a brief valued customer letter, Stating they were unable to process my account closure request because Please provide account number along with investment number.
Product: Credit card or prepaid card

This is in regards to an American Express Bluebird account. 

I went to sleep last night with approximately XXXX dollars in my account. I wake up my account is locked, permanently. I don't have a clue as to why. I call customer service at XXXX. 

I spent five hours on hold, and being transferred around. I am told there is nothing they can do for me. Im am told that I am to write a letter, yes write a letter, to Bluebird Customer Care at XXXX XXXX XXXX XXXX  GA XXXX to see what they can do. 

This is my entire paycheck. I have no money for bills, rent, and food. I have XXXX children who can not receive meals at school as they are now at home due to COVID-19 precautions. 

My last purchase was for a XXXX in XXXX AZ through XXXX XXXX  XXXX XXXX on Thursday XX/XX/XXXX at approximately XXXX for a hold on rental equipment. I have the receipt for this purchase dated XX/XX/XXXX at XXXX as this is when I returned the equipment, but it probably wont process as the account is locked. I do not know what happened. They wont tell me. All they said is my account is locked and they can not open it. After being on hold all day I am now contacting you XX/XX/XXXX at XXXX. Thank you for your assistance in this matter Restfully, XXXX XXXX
Product: Checking or savings account

I contacted chime bank about a holding pending transaction. That XXXX said that they canceled XXXX days ago {$150.00} Chime has since then held my money for more than XXXX  days and refuses. To let me speak with a supervisor I spoke with XXXX a call representative. There's no one to really speak to. And I've been giving a run around and nobody wants to Settle. This is problem so I am contact with you guys. To file. This complaint as well thanks.