23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a name change dispute on Equifax on XX/XX/2023 online through my.equifax.com web portal. Dispute XXXX XXXX. Equifax web portal allows users to submit name change dispute online without any issues. Also, the portal allows to upload any supporting documents ( in my case, the name change petition, driver 's license, and certificate of naturalization ). The submission went through without any issues and/or warnings. On the portal it stated that the dispute might take up to 30 days. Today, XX/XX/2023, XXXX  weeks later after the dispute was submitted, I called to Equifax customer service to get an update. The customer service representative told me that they are not able to process my dispute I submitted online ( for some reasons they didn't explain ) and I have to mail or fax my supported documents. 
But during the online dispute submission process there was NO ANY information about I can not do it online and have to fax or mail documents. Also, Equifax did not notify me by any way that they need my documents by fax or mail. 
And now, I was waiting for XXXX weeks to update my name in the Equifax system and they will start a new dispute ( with 30 days period ) once they will receive my documents by mail or fax. That means my initial dispute from XX/XX/2023 will not be resolved within 30 days period and without any notification from Equifax side. 
In addition, I spoke with Equifax supervisor and she confirmed that I CAN submit this dispute online. Also, she confirmed that the Equifax system does not handle and process personal information properly. That means the company which works with sensitive personal information has a not reliable system. ( Just in case I have recorded our conversation ). 
I attached the file with all steps to submit this dispute.
Product: Debt collection

Hello, This collection company is called XXXX XXXX XXXX XXXX and they are located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

They have shown up on my XXXX credit report. I attempted to contact this company via certified mail asking them to verify this " medical bill '' and show me proof that I owe them, I have also included my updated mailing address to ensure they have the right address to send me back any documents. They failed to respond to me. I contacted XXXX and disputed this collection account several times and everytime they said they couldn't take it off because of the collection agency. I contacted the doctor 's office that is listed on the account and they mailed me a document showing " XXXX   balance '' and that I don't owe anything. I disputed the item again with XXXX and attached the document showing I have a XXXX balance with the doctors office and I also included the letter and certified mail receipt showing I sent this to the collection agency. XXXX failed to take this account off my account and instead of listening to me they transferred to me to the collection agency who were very rude and ended up hanging up on me despite admitting they did get the letters from me. This collection agency is violating the law by putting something negative on my credit report despite proof that I owe nothing and even the amount they out there is different that the amount that was paid to the doctor 's office. 

This is the only negative thing on my credit reports and it is ruining my life. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a relationship with XXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account XXXX : XXXX XXXX # XXXX - Date Opened XX/XX/year>
Product: Debt collection

To whom it may concern : I have a collection account on my file from an agency named XXXX/TFC the account number is XXXX. Please be advised that I am disputing this collection due to the fact that XXXX/TFC -Tidewater Finance Co. XXXX XXXX XXXX, MD does not currently have a valid license in Illinois to collect on debts. this information is stating that there is no license held according to IDFPR and Illinois Secretary of State website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that XXXX/TFC is licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX Care Credit charges my whole statement balance instead of the minimum due. Which was {$1600.00}. This put my bank account negative XXXX and has been that way ever since. I have called multiple times, originally they said 7-15 business days for it to be resolved. Every time I call I get a different answer. Its been 16 business days now with XXXX coming this weekend and they have still not refunded me. They have made the last 3 weeks a stress fueled nightmare. I use the autopay feature and I never even go into the app, thats how I know it was 100 % fault of care credit. It was their mistake and they have done nothing to help me.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. 
Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am reaching out with regards to the following adverse actions conducted bXXXX XXXX XXXX XXXX XXXX. 

- Inaccurate Payment reporting for XX/XX/XXXX and XX/XX/XXXX - Inaccurate Balance Details ( XXXX XXXX ), resulting from Fraudulent Charges I have attempted to resolve these issues multiple times by calling since XX/XX/XXXX. I have been met with abhorrent treatment by the Fraud division, lack of knowledge by " Collection '', and repeatedly cold transferred further exposing my personal information as I was being asked to repeat my full social security number numerous times. When I requested management, I was faced with Call Avoidance by numerous representatives who were attempting to " gaslight '' the tone of the call in order to get me to disconnect.
Product: Mortgage

XX/XX/XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX, OH XXXX : Letter of Hardship -Acct : XXXX ( Personal Residence ) -Acct : XXXX XXXX ( Rental Property ) Dear Loss Mitigation Customer Care , My family and I have been solid Fifth Third customers for many years, and I appreciate the opportunity to relate the circumstances that have led to the currentdefault status of my Flex line account. Please note that I have XXXX separate Flex line accounts with Fifth Third Bank : My residence at XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) DefaultMy rental property at XXXX XXXX XXXX. XXXX XXXX. ( XXXX XXXX ) Commencing with a letter I received on XX/XX/XXXX from Fifth Third Bank XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have been attempting to understand how my residence is in default when I have consistently paid my monthly payments.Upon further investigation and dialogue with Fifth Thirds Mr. XXXX XXXX XXXX we were both perplexed at how payments had been applied to principal and interest at both properties ( listed above ). Mr. XXXX pulled up records from as far back as XXXX, but despite working with me for over an hour on the phone, he could not make sense of the payment history, how the payments were applied, or how my residence was suddenly deemed to be in default. There appears to have been some confusion on my account ( s ) regarding allocating my payments, and possibly in conveying notice to me that outstanding late payments or other charges were potentially impacting my loan negatively. This is by no means an accusatory letter, and I readily acknowledge that I have been overwhelmed by several events in my personal life ( XXXX XXXX of several family members, tenant evictions, XXXX setbacks, etc. ) that may have caused me to assume continuity in my Flex line account ( s ) status since I have consistently paid the indicated payments due per my monthly notices. I would like to resolve this matter as quickly as possible, and I have begun the process of gathering my information in preparation for a loan modification if that is what is deemed necessary? As part of this process, I would appreciate written confirmation that details the exact issues that have led to the current default status. I want to be able to verify that loan payments were appropriately applied to my account or can still be remedied by Fifth Third Bank if it is found that payments werent properly applied to principal, interest, late payments, etc. that may have occurred in the past. Ultimately, bookkeeping errors could impact the loan balance owed, and it is important to establish that amount accurately. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXy Twp. MI XXXX Please note : The Co-borrower is XXXX.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX XXXX. I have attached my XXXX  and letters to this complaint for your review.
Product: Checking or savings account

On XXXX XX/XX/XXXX, I mailed a check, in the amount of {$1100.00}, to XXXX XXXX. 2+ weeks later XXXX notified me that they never received the check. I went to a local Citizens bank branch ( XXXXXXXX XXXX  XXXX ) and they pulled up a digital copy of the check ( # XXXX ). The " payee '' line had a name clumsily written over the original. They began the claim process. 
I received a letter on XXXX XXXX XXXX that they were working on it. I waited until the middle of XXXX to call about progress. The agent told me that it may take another 3 month for resolution. Called, again, in the middle of XXXX XXXX, no progress. Called in early XXXX XXXX... no progress. Called today, was told XXXX bank denies payment. 
I feel, nearly, 7 months, after the fact, is plenty of time to return my money. I have a photocopy of the check ( but, at present, can not forward it to you ). Let me know if you should need it. My phone number is XXXX. Thanks, very much for any help in this matter. 

XXXX XXXX XXXX XXXX. Claim Number is XXXX
Product: Credit reporting or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A DISCREPANCY IN MY PERSONAL INFORMATION, A NAME CHANGE, AN ADDRESS CHANGE AND A JOB THAT I DO NOT HAVE.
Product: Credit card

15 usc1666b 604 15usc1681b 15 usc1681c-2 I need an investigation into all credit card accounts for inaccuracy of reporting to The credit bureaus affecting my credit scores My capital one account just closed without any notification and I have a long history with this Account ~ please investigate as to wether or not the practices of my creditors are appropriate And that I am being treated fairly accrued to FTC laws Unnecessary inquires XXXX XXXX  has over a hundred inquiries on my account, constantly reporting to the credit bureaus. 

Thank you for your attention concerning this matter
Product: Mortgage

The company discussed here is LoanCare , LLC on behalf of XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ). 

Background : In XXXX 2021, my current loan servicer ( XXXX XXXX ) sent a statement to me saying that a new company ( LoanCare , LLC ) would be taking over my loan servicing. About a week later I received a mailing from LoanCare with information about this loan servicing change. 

Issue : There was a long delay ( approximately 10 days ) between the time my loan became unavailable with XXXX, and available with LoanCare , LLC. For about 10 days, my loan status and information went " dark '' and I couldn't access my loan from either party. LoanCare was not available to contact by phone, because the customer service line required my loan number or SSN, but when both were entered, my account could not be found, because my loan had not been transferred yet. 

By the time they did recognize my account ( XX/XX/XXXX ), the payment date for my mortgage was past due. Additionally, auto-draft of loan payments must be created before XX/XX/XXXX, leaving just 1 day to do so. 

Fortunately, I've been ahead of schedule and my payments were not late. Also, fortunately, I'm a " digital native '' and so navigating confusing and unclear online platforms is something I am accustomed to. I was ultimately, after much persistence and trial and error, able to figure it out and log in. 

The real concern I am addressing is for people who were not in my position : paying their mortgages closer to the due date, and for people who may be older and/or may not be as " digitally native '' as I am. For someone ( like my grandma, or my elderly neighbors ) who does not know how to navigate confusing online platforms, they could still be in a situation today where they can not access their mortgage information, and may be at risk for failing to pay their mortgage on time. Calling does not help because the automated phone system does not recognize the new loan until you sign up online. 

Given the interruption in auto-payment and the payment schedule, this could be a serious issue for many people as they manage their budgets, and the withdraw of their mortgage payments could be untimely and disruptive to their lives. 

Given that the change in loan servicing company was not optional and was mandated by both XXXX and LoanCare , LLC, it seems reasonable that they would make this process more transparent, and give more options for their customers to ask questions about how the transfer works and the timelines surrounding this change. 

Altogether, allowing someone's home loan status and information go " dark '' for multiple weeks, as well as failing to provide adequate options to contact someone about the status of this loan seems unacceptable. It also seems as though this process is unduly abstruse in order to confuse the customer and create late payments and/or other fees.
Product: Checking or savings account

I had tried to pay for my sprint account and I was actually XXXX cent short and ended up I had to pay both the bank and the phone company almost over XXXX dollars in fees
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 trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX OF XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXX I d

id not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 2. Provide the names of any entities that accessed my information without permission, along with the reason for access. 3. Notify other relevant agencies of any corrections, if applicable. Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Checking or savings account

I have been a Wells Fargo customer for over 25 years. I have had both checking and savings accounts and credit cards opened in my name without my application and without my knowledge. I have contacted Wells Fargo a couple of times to have the accounts closed and canceled from my history, but I can still see the accounts when banking online, and occasionally I even get statements from them. Im not sure how or why Wells Fargo thinks they can open up accounts in peoples name without their knowledge or permission.
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. 
( Account Name ) : XXXX XXXX. ( Account ) # XXXX ( Account Name ) : XXXX XXXX XXXX. ( Account ) # : XXXX. 
( Account Name ) : XXXX XXXXXXXX. ( Account ) # : XXXX ( Account Name ) : XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). ( Account ) # : XXXX ( Account Name ) : XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( Account ) # : XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, According to my XX/XX/2022 XXXX XXXX  credit report you are *still* reporting inaccurate information and refuse to fix this - even though I have filed numerous complaints. 

Experian, you are *not* properly investigating these and I demand that you do. 

Attached to this complaint is : - my drivers license - my social security card - my mailing address - my long and detailed written complaint - my complete XXXX XXXX report dated XX/XX/2022 - copies of everything I mention in the complaint You need to have these accounts removed immediately as you are reporting them inaccurate and refuse to fix.
Product: Consumer Loan

i bought a motor vehicle from drive time in Florida, paid my loan for XXXX years paid my car off in XX/XX/XXXX, i did pay high interest for this motor vehicle, but that was OK because i saw that it would help my credit, which it did, in XX/XX/XXXX they removed the loan that i paid off of my credit reports XXXX of my reports that is, i asked them why they said they were updating there info and it would be back on my reports in XXXX days, i called them today XX/XX/XXXX and advised them that its not on there and i was being asked to pay higher interest from other banks because i had no qualifying accounts on my credit ... they said they can not and will not correct my reports and there was nothing they could do,,, so i feel like i wasted XXXX years of my life paying more money for something to build my credit and do n't have any resolve ... please help me i feel like i have been robed by a XXXX dollar company that does not care ... i should not have to be turned away ore pay more because of there short comings .... they took the interest on my car but did not want to deliver on what was promised when i bought the car ...