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 an accuracy 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with the federal law and provide consumers with the necessary proof of investigation.
Product: Mortgage

My mortgage lender has lost my first payment of {$2500.00}. 
I sent a certified cashiers check in XXXX. That check was for the XXXX payment, the first payment on a brand new mortgage loan. We just closed on the house in XXXX. The check for the XXXX payment cleared on XX/XX/XXXX. The check was delivered via USPS with signature required upon delivery. Someone had to sign for it when it was delivered. I made the XXXX payment and that check cleared and was put towards my mortgage. Paid XXXX via website and was put towards my mortgage. Been back and forth with the mortgage lender for a month now. They keep saying I'm past due and I'm not. They still havent figured out where the XXXX payment went. 
I am a XXXX veteran with XXXX with XXXX  problems. I am beyond stressed out. 
I am going to be seeking legal counsel for XXXX XXXX.
Product: Checking or savings account

On the following dates ( below ) XXXX XXXX withdrew funds from my Cashapp card that I had on file for the bank without my authorization. Ive opened a dispute with Cashapp on XX/XX/XXXX and Cashapp customer service is refusing to refund me my funds for the unauthorized transactions. 

The dates and amounts of the unauthorized transactions are as follows : XX/XX/XXXX for {$48.00} XX/XX/XXXX for {$32.00} XX/XX/XXXX for {$100.00}
Product: Credit card or prepaid card

I called Capital One to check the status of a dispute I had with a XXXX hearing aid company. The representative said I only had until XXXX to respond to the complaint so the deadline had passed. I pointed out today was XXXX and asked to speak to a manager. The manager claimed a letter was sent to me on XXXX that gave me 30 days to respond. I pointed out that I had not received a letter and that there are only 21 days between XXXX and XXXX. I also pointed out I had an email from the XXXX company dating XXXX offering a full refund. I was offered a link to upload the email, which I did, but was also told that I still needed to respond to the letter I don't have and never received. 

When I asked that the case be reopened, I was told it couldn't be because that was the law no matter what the AG or the CFPB had said. I asked for the uplink to send the email and to be transferred back to the Capital One customer service department so I could cancel my card. It is abundantly clear that Capital One either has a very bad employee ore misrepresents the level of customer service it offers. XXXX XXXX ID XXXX offered to cancel my account on the spot. She didn't tell me that if she closed the account I would forfeit over {$350.00} in accumulated points on the card. Fortunately, I told her I did not want to work with her any further or I would not have discovered this until the money was lost, It's sad when a XXXX corporation that sells broken hearing aids to the elderly has a better grasp of US law and provides better customer service to defrauded people than an American company. 

XXXX XXXX ID XXXX claimed she was the only person capable of helping me resolve this dispute and refused to do so. I sincerely hope that isn't correct.
Product: Checking or savings account

Too many to list. Wells Fargo continues to engage in unfair banking practices against small businesses. They continually XXXX holds on funds and then offer to allow you to overdraw your account against funds on hold but will charge you a {$35.00} overdraft fee. Then they claim your paper deposit checks are placed on hold because you have too many overdraft fees. It's a vicious cycle that they continue because they make money on each overdraft. It basically amounts to high interest loans they are charging for you to get your own money that they XXXX holds on. Plus they play a shell game constantly with deposits and credits versus debits on ATM withdrawals and debit card purchases. They will take the debits out first to purposefully overdraw your account and charge you fees. Or they will take the largest debit first so they can hit you with multiple overdraft fees on all of your smaller debits. This is a practice that Wells Fargo has been doing for ever. I have been a customer with them for XXXX  years both personal and business and if I were to add everything up over the XXXX period they would likely owe mXXXX XXXX XXXX XXXX XXXX XXXX  of dollars in money they stole from myself and my business. Wells Fargo deserves more than a fine. Someone should go to jail!
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( 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. 


XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed
Product: Checking or savings account

I received two books of starter checks from TD Bank, I NEVER requested an account from TD Bank, the checks have my home address but an old phone number. I have NEVER had an account with TD Bank.
Product: Debt collection

I keep receiving mails from synchrony bank stated that i have debt to pay but never receive any types of balance sheet, I was never sign up for synchrony bank for credit cards for that matters. I only bank with XXXX XXXX XXXX and also issued with student credit for tha matters. I believe that my personal information was use without my consent in regarding of debt that is not applicable of my own
Product: Credit reporting or other personal consumer reports

To whom it may concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any person a record of inquiries concerning a credit or insurance transaction that a consumer does not initiate. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is an identity theft case, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX - XX/XX/year> - These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has refused to take car loan off my credit report after I have proved it was fraud and identity theft
Product: Debt collection

This company for the last two months has called me repeatedly while I was asleep numerous times as well as calling me and being greeted with my phone automated filter services where is EXPLICITLY tells them to leave a message and that I would receive it, to which they have not done, I have asked them to stop calling me.
Product: Checking or savings account

Every month they kept giving me overdrafts when i should not have had any. I tried to get a loan and couldnt because of the actions the bank had on me. I had paid them and all for these and even talked to someone at the bank and nothing was done. its messing with my credit and all. i didnt even get a notice it just poped up on my credit when i went to do the loan. the date was XX/XX/ and this has happend with XXXX XXXX and truist the balance was {$300.00} and something and the balance with truist was {$230.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX Account number : XXXX Account namXXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

On XX/XX/XXXX I took my truck for repairs at XXXX XXXX XXXX  XXXX Fl. I was disappointed with the repairs the dealer performed on my truck, so after complains made by me were unresolved I decided to challenge the already payment done with my Discover credit card on the amount of {$1200.00}. I went on to dispute it and the dealer agreed to check into it one more time without more charges, once dealer had my truck inside their premises they use it as a ransom and made me pay cash ( XXXX ) and also made me release the discover credit card disputed amount ( XXXX ) so I could get my truck back. I did call Discover and asked them to unlocked the credit back to XXXX XXXX XXXX in XXXX Fl. Once I got my truck back, I filed a complain to the XXXX in order to get back my {$1200.00} that the dealer was keeping ( Payment was only {$1200.00} that I paid on cash on XX/XX/XXXX, receipt attached ) Dealer made the rebuttal to the Discover credit card after the XXXX  got in touch with them. All documentation was sent to Discover Credit Card by mail and also by uploading them on their website as I was told by the credit card.I already spoke three times with 6 different representatives on discover dispute department but it seems that they are reluctant to credit my account with {$1200.00} that the dealer XXXX XXXX already sent back to them.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an auto loan account that was initially opened with XXXX XXXX XXXX XXXX, which later transitioned into XXXX XXXX XXXX. The account first went delinquent in early XXXX. However, the payment history provided by Equifax does not show any records prior to XX/XX/XXXX. This is problematic because it means that the information is both incomplete and potentially inaccurate. As of XX/XX/XXXX, the account continues to appear on my Equifax credit report, which contradicts the Fair Credit Reporting Act 's ( FCRA ) rule stipulating a 7-year limit for reporting delinquencies. 
Early XXXX : Auto loan account first became delinquent. 
XX/XX/XXXX : Payment history on Equifax begins from this date ; no prior delinquency information is available. 
XX/XX/XXXX : The account remains on my credit report, violating the FCRA 's 7-year reporting limit. 
Initiated a dispute with Equifax regarding the incomplete and outdated information related to this auto loan account. 
Equifax has not made any corrections or removals in response to the dispute, thereby failing to align with FCRA guidelines. 

I request the CFPB to look into this matter and enforce compliance with the Fair Credit Reporting Act by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I was involved in a money scandal in which I had no intention on putting myself in this type of situation. Back in XXXX & XXXX I was facing hardships so I gave out personal details to help improve my situation. My situation did not only worsen but since then I havent been able to get approval for anything such as loans, credit cards ( to enhance my credit ), checking & savings accounts, etc. Its even hard to find employment. Under the care of my grandparents Ive been able to stay afloat but theyre getting older and as a XXXX XXXX  man I fear that something has to be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries being reported on my credit report.
Product: Debt collection

A copy of this letter was sent to IQ Data International requesting for the fifth time to remove the negative credit reporting to XXXX, XXXX, and XXXX  due to an improper serve disputed in court and the case was dismissed and granted in my favor. 

XX/XX/XXXX IQ Data International, Inc Attn : XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Acct # XXXX XXXX XXXX : This is my fifth verbal or written request to IQ Data International requesting to remove collection debt {$4100.00} on my account connected to Case # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  vs.  XXXX XXXX. This case was dismissed on XX/XX/XXXX at the Plaintiff/Petitioner representing the Landing at XXXX XXXX connected to this case filed in XX/XX/XXXX 

After legal consultation on XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the Law firm representing the Plaintiff and Creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was contacted to immediate resolve the default and judgment debit. 

This negative credit reporting has hindered me from obtaining housing in all of California, without good cause, therefore, slandering my reputation as a good tenant because of an improper serve after seven and half years of tenancy at XXXX XXXX XXXX XXXX XXXX. 

This has been already disputed with Experian, Equifax, and Transunion to remove this collection in XX/XX/XXXX and prior numerous times. 

If this collection is not removed off my credit reports immediate, I will pursue with legal counsel representation to sue under the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act for Civil restitution allotted under the laws. The validity of the collection is connected to this case. 

Please find attached the Court Request For Dismissal from the Law Firm representing the Plaintiff and letter to the law firm. 

Is IQ Data International , Inc., above the federal laws ; that this agency does not have to abide by the federal laws? 

Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY SOUTHWEST CREDIT SYTE