23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. ( XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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: Credit reporting or other personal consumer reports

I sent the company a dispute for an account that isnt mine several months ago. Next, I filed a complaint with the CFPB XX/XX/2023 and it has been way over 30 days. I feel like they are prolonging their process and not deleting the account. It is now XX/XX/2023 and still no removal or deletion when the company knows thats not my account or debt.
Product: Credit card or prepaid card

Capitol One Credit Card continues to mail pre-approved credit card applications to my daughter at an apartment address I left in XX/XX/2019. 

My daughter never lived at that address. 

Yet they continue to send her pre-approved credit card applications. As many transients as there are at apartment complexes, I can only imagine it's only a matter of time before someone takes advantage of an opportunity to abuse her credit. 

We have submitted change of address with USPS.

We are on the national no marketing list.
Product: Checking or savings account

I have several accounts with ETRADE. My savings, ROTH, and brockerage accounts were locked due to the following error message " Due to unusual account activity, certain features may be disabled until we are able to speak with you. Please call E*TRADE Account Activation Services at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the weekends. Outside of business hours, call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The account has been locked for over 2 weeks I have called 3 times and each time the customer service representative has not found a reason why my account has been locked and needs to " talk to leadership '' or " talk to another department '' in order to unlock it. Each time they have failed to either call back nor resolve the issue with the account. An extensive KYC questionnaire was verbally given to me in XXXX and all questions were answered to their satisfaction. Current representatives acknowledge that there are no further questions to discuss and their doesnt seem to be a reason why the account has a hold on it..
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery 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 ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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 ( 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.

These are the accounts that Ive marked inaccurate : all addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all telephone numbers other than XXXX, all employers other than the XXXX XXXX XXXX XXXX XXXX ( XXXX ), all names other than XXXX XXXX XXXX, which is my full legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a complaint against XXXX XXXX, XXXX ( XXXX ) regarding not removing an Collection account on my Credit Bureau Report and there response was that they had processed an XXXX deletion request to all three Credit Bureaus. I have attached the 2 letters mailed to me from XXXX XXXX XXXX XXXX . 
Upon checking my Credit Report, the XXXX XXXX, XXXX collection is still showing on my Equifax Credit bureau report. PLEASE XXXX XXXX , XXXX . REMOVE THIS COLLECTION FROM MY EQUIFAX CREDIT BUREAU REPORT!!! 
It keeps reappearing OVER and OVER. PLEASE XXXX remove this Collection account from my EQUIFAX REPORT.!!!!
Product: Debt collection

XXXX XXXX XXXX XXXX {$3200.00}, XXXX and XXXX {$350.00}, GLA COLLECTION COMPANY {$90.00}, and US Department of Education {$0.00} reported negatively on my credit monthly. XXXX XXXX XXXX XXXX was paid in full by XXXX and my insurance company. On XX/XX/XXXX, XXXX XXXX XXXX {$350.00} and XX/XX/XXXX, GLA COLLECTION COMPANY placed three collections of {$30.00} each on my credit report, which was already removed once. I have disputed multiple times. I have not signed a medical release to these companies. I have notified the companies several times and asked them to remove it. US Department of Education {$0.00} reported negatively twice. However, this is an error that noone seems to know where it came from. However, I am still in school.
Product: Money transfer, virtual currency, or money service

I utilized paypal credit for their 6 months interest free credit promotion on XX/XX/XXXX for a vendor payment of {$5000.00}. Paypal provides no email alert, no online summary warnings or any balance details whatsoever on their website in regards to any fees amounts required to defer interest OR even any alert that fees are past due on a balance. The only way to ensure the a customer does not get interest charged is if they set an alert themselves which is a deliberate ploy to collect interest fees from their customers. I asked for a credit of all the fees before paying the balance in full but the paypal supervisor XXXX   refused to credit any fees whatsoever.

This issue is common among predatory financial institutions that create systems deliberately to catch customers unaware of their outstanding balance. They in fact rely on the interest free period for the consumer to forget when the fees will be charged. Paypal catch their customers that choose to get online statements ( environmentally responsible consumers ) since there is no online information on their website relating to deferred interest or fees. The paypal credit agent admitted to me on a call XX/XX/XXXX that other customers choose to get paper statements in the mail specifically because Paypal do not alert online statement customers to any interest charges. When I escalated this to the supervisor " XXXX  '' ( who would also not provide any more details on his name than this ) advised that their system does in fact provide transparency on the interest fees. However, when asked to show me he could not provide any evidence of an online alert OR transparency on fees OR information on deferred payment fees. After clicking at least 4 buttons within paypal credit online system, the customer has to download " past statements '' on a PDF file to see the only information paypal provide relating to these deferred fees being charged.

Paypal deliberately set up their system to provide ZERO transparency and online alert on interest fees in order to exploit their customers. It is clear that Paypal ( one of the most advanced online finance systems in the world ) have deliberately implemented no transparency for their interest free credit system as part of their deceptive practices revenue generating plan.
Product: Mortgage

I am trying to refinance a mortgage on my property in XXXX, CT. The property was previously destroyed by Super Storm Sandy. At that time I took out a second mortgage to help with the rebuild through XXXX. The loan is current owned by the department of housing in CT. I am in of a subordination which has been obtained but is not being accepted by Peoples United Bank or XXXX XXXX XXXX. They are stating that it is not properly executed per the governors temporary orders regarding electronic signatures. 
Neither party Bank nor Department of Housing will budge. My closing date was cancelled and now I will be losing my rate lock. I have done everything humanly possible to try and get this resolved starting on XX/XX/XXXX. 
The Bank told me I was cleared to close and then came back an hour later and said let me know when you get the wet signatures. 
Anything you can do to assist will be greatly appreciated.
Product: Mortgage

XXXX   website showed payment successful, did not let us fix typo, then 7 days later charged erroneous {$25.00} fee. Loan Care refuses to communicate. 

On XX/XX/2021, we used the loancare.com website to pay my mortgage payment of XXXX due XX/XX/2021. We made and immediately recognized a typographical error in the bank account number for the ACH transfer. Loan Care 's low-quality, XXXX  website did not give me the option to correct the typographical error in the account number. My co-borrower and I tried twice to contact Loan Care to fix the account number, but Loan Care refuses to respond to our attempts to contact them. 

Up until today, XX/XX/2021, the loancare.com website showed in the payment history that the XX/XX/2021 payment had been made successfully. It showed " XX/XX/2021 '' for the next payment due, and would not allow us to make the XX/XX/2021 payment again with the right bank account number. 

Today, the payment history on the loancare.com website changed and showed " BadCheckReversal, '' but did allow us to make the payment for XXXX again with the right bank account number. To our surprise, when we went to pay the {$3400.00} payment for XXXX today, the website forced an additional {$25.00} " NSF '' fee on us without our consent, and forced us to pay {$3400.00} instead of the {$3400.00} we owe. Loan Care has not responded to our attempts to contact them. 

This {$25.00} NSF fee is not right. We did not agree to it. We want it reversed. We also want Loan Care to reply within a reasonable time ( i.e, within 1 business day ) when we contact them. Could the CFPB please help? Thanks! XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received re investigation results of the account number XXXX back from EXPERIAN that were not in my favor. In EXPERIAN 's response to my CFPB complaint case number XXXX and XXXX. EXPERIAN stated that " XXXX XXXX XXXX BANK verified the account as reported. '' This let 's me know that EXPERIAN did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided EXPERIAN proof of my inaccurate credit report and EXPERIAN still chose to ignore this evidence. My new and updated credit report shows that XXXX has updated my payment history to " excellent '' yet EXPERIAN still have not updated this account information. It is my belief that EXPERIAN has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. EXPERIAN went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act., XXXX XXXX and Equifax has violated my rights. 15 USC 1661 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove the listed account immediately Account Name : XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I signed up to use their app for a purchase. I was approved and was then charged {$17.00} to use their app for the purchase. They charged me again for {$17.00}. The fee was too costly for me so I asked them to cancel my subscription and refund me the second fee of {$17.00}. They will not do it and said I had to ask for it to be done which I did and in the time frame it was to be requested. However, they claim I did not and will not initiate my refund for the payment cycle. I have asked and emailed them about 29 times and each time they refuse and will not call or help me. I am tired of these companies stealing people 's money. I can not afford to lose out on any money in this economy. I am so disappointed in this transaction it makes me never want to trust these companies ever with my business. I need help.
Product: Mortgage

I'm currently in the process of purchasing a home, and have been deciding to switch lenders. On Friday XX/XX/year>, I spoke with a lender with Hall Financial ( XXXX XXXX ) regarding mortgage terms. I spoke with the lender regarding my previous lender that I was hoping to switch from, telling him my estimated interest rate ( 6.99 % ) and monthly payments. He spoke to me for a long time and compared my current estimate to the mortgage estimate he is proposing, to which he said he would give me an interest rate of 5.875 %. During this time, I noted down all his term estimates on paper, and I specifically asked him ( to ensure clear communication ) that the interest rate he is proposing was 5.875 %, to which he said " yes. '' I went to proceed with Hall Financial, to which during our phone call appointment ( XX/XX/year> @ XXXX ), he asked me to review and sign all the mortgage estimate documents while over the phone. The mortgage estimate stated an interest rate of 6.99 %, and when I asked him about our prior estimate that he proposed, he simply denied this ever happened, insinuating that I was making these numbers up or I misheard him. He stated that he never said anything about a 5.875 % interest rate. 

I wish to acknowledge that I don't have tangible evidence of the previously discussed interest rate of 5.875 %, as this was during a conversation over the phone. However, I noted this information down during our conversation and ensured clarity with my banker during the conversation. I feel that this complaint should warrant some type of review to ensure fairness in the lending process, as I feel that I have been unfairly treated by this mortgage lender.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's mandated for us to eliminate any erroneous entries from my credit history. Could you review the papers? Several of the mentioned entries are flawed concerning reporting, with incorrect amounts and dates
Product: Debt collection

Mercantile Adjustment Bureau has placed a collection on all of my credit reports in the amount of {$370.00}. I have never received any information from this company regarding the debt. I have requested information on several occasions. I believe this account to be fraudulent or otherwise made up. Please remove this item from all my reports immediately or provide a signed contract or agreement as required by law.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXXXX/XX/XXXX
Product: Mortgage

I received a permanent loan modification on XX/XX/2016 from Bayview Loan Servicing LLC. I made all the trial payments according to the requirements and signed a new loan contract with Bayview which detailed all the financial requirements of the new loan. All financials were provided and detailed and made available. I have been making on going on-time payments since that time. However, I recently received a statement requiring me to pay {$390.00} for a " Rec. Corp. Advance. '' I inquired about this fee and the agent said it was a bill that was due prior to the loan modification. Why was this not included, then, in my loan and made known to me then? I do not believe this bill is valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX  for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right.

Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the XXXX XXXX XXXX XXXX  has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$10000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims.

Requested Resolution I request that Equifax immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within 10 calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Subject : Request for Resolution Regarding Account Number Ending in XXXX I am writing to formally address an ongoing issue with my account, number ending in XXXX, which has negatively impacted my credit report. I opened this account in XXXX, and my wife was authorized to access the account at that time. However, due to a software issue within U.S. Banks system, she was not properly added to the account, and as a result, she was unable to view or manage the account. 
Fast-forward to XXXX, when I began receiving phone calls regarding a payment due on this account. Initially, we believed these calls were part of a scam, so we reached out to our wealth management advisor for clarification. After reviewing the matter under my wifes account, the advisor assured us that there was no immediate cause for concern and instructed us not to worry about the letter we had received.

Unfortunately, shortly after this interaction, U.S. Bank reported a late payment to my credit, which has severely affected my credit score. In response, I immediately disputed this entry with all major credit bureaus. However, the credit bureaus have informed me that they can not make any adjustments to my credit report unless U.S. Bank corrects the information on their end. 
I have been actively contacting U.S. Bank for the past three months, but to date, there has been no resolution or acknowledgment of the error caused by the software issue. The failure to properly add my wife to the account in XXXX, combined with the subsequent mishandling of the account, has unfairly impacted my credit. 
I am requesting that U.S. Bank take immediate action to correct the software deficiencies, remove the erroneous late payment reporting, and update my credit file accordingly. I would appreciate a prompt resolution to this matter, as it has been ongoing for far too long and continues to negatively affect my financial standing. 
Thank you for your immediate attention to this issue. I look forward to hearing from you soon with confirmation of the necessary adjustments.
Product: Debt collection

XX/XX/ noticed an entry on my credit report from XXXX XXXX XXXX XXXX for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted XXXX XXXX XXXX XXXX XXXX phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/ called XXXX XXXX XXXX XXXX XXXX inquire about letter XX/XX/ still have not received debt validation