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

I contacted Equifax in XXXX in an effort to have them verify the information reporting on an account. The account was XXXX XXXXXXXX XXXX  XXXX XXXX, account number ending in XXXX. Instead of only looking into that account, Equifax opened a dispute on every single XXXX XXXX account that I have, which also included accounts ending in XXXX and XXXX ; these XXXX accounts are NOT adverse and should have never been disputed. I did not know the company did this until I pulled a recent copy of my report and saw that Equifax had been adding a statement, every month, every year, notating that the accounts were previously in dispute. Again, those accounts should have never been disputed by Equifax. I contacted Equifax by phone on XX/XX/XXXX to inform them of the statements they are reporting and my request to have them removed, and the rep assured me that the statements would stop and would be deleted from my credit report. I pulled my account today and notice that all of the statements are still on my report. The statements read, " Account previously in dispute now resolved by data furnisher. '' Equifax did not do what they said they would and delete these statement from ALL of my XXXX XXXX accounts. I do not want the possibility of having my accounts closed by XXXX  XXXX if that see that I'm disputing open and valid accounts, because I'm not disputing those accounts, Equifax messed up and has not fixed their error. I want all of the dispute remarks deleted from my credit report, remarks dating back years ago.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success
Product: Vehicle loan or lease

I purchased a vehicle for what I thought was XXXX financed through credit acceptance corporation. However I did not know that my interest rate was XXXX percent which made the total purchase amount around XXXX. I purchased a XXXX XXXX XXXX used with around XXXX miles. I had to request a copy of my vehicle agreement because I didnt understand how I was paying XXXX a month for 72 months in XXXX which they never sent me the documents from the beginning. XX/XX/XXXX my vehicle was totaled. I had XXXX coverage through the lender. The other young lady insurer paid around XXXX and XXXX picked up the rest of the original loan amount before the interest rate of XXXX percent. However XXXX acceptance has been reporting missed payments and a open loan status for this vehicle ( XXXX XXXX ) and another vehicle ( XXXX XXXX ) that they also financed me for in XXXX that was also totaled and the insurance company paid off. This company has blocked my access to the account history because I contacted my state attorney general here in North Carolina about how they were doing fraudulent acts and keeping me from obtaining credit or even housing because of those false claims on my credit.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I placed a call to PNC bank which is the provider of my XXXX XXXX prepaid debit card. I called in order to launch a dispute over a charge that occurred on XX/XX/XXXX in the amount of {$390.00}. I was told that the process could take up to 45 business days and that a provisional credit would be credited to my account within 10 business days if they determine the dispute would take longer than that to resolve. Since that day I 've called multiple times in order to receive status updates and have been told nothing has been done yet with regards to the dispute. 

I once again called today XX/XX/XXXX and I spoke with XXXX in the disputes department at approximately XXXX EST. I was informed by her that the process of investigating the dispute is still on going and that I would not be receiving any provisional credit within 10 business days like was previously stated. I informed her the 10th business day would fall on the XX/XX/XXXX due to holidays and that I had been told by that day I would receive a provisonal credit if the matter was still under investigation. XXXX then informed me that she was told by another associate ( perhaps a supervisor ) that on the XX/XX/XXXX they would mail out a letter to my home address stating the decision theyve reached with regards to the dispute and said letter could take another 7 business days to reach me. I again asked about the credit and was told that I would not be receiving that provisional credit. I  informed XXXX that said act is in violation of the terms of service of my PNC XXXX XXXX card and goes against federal regulations with regards to disputed charges and the legally allotted time for a credit or decision to be determined. 

It seems that PNC bank is willfully violating federal regulations as well as their own terms of service contract with their clients in this instance myself. I am attaching a copy of the PNC XXXX XXXX terms of service which clearly indicates that PNC will issue credits within ten business days of receiving a dispute.
Product: Debt collection

To whom It may concern, I request validation of the following 2 debts : NATIONAL CREDIT SYSTEMS XXXX and NATIONAL CREDIT SYSTEMS XXXX. Per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) XXXX XXXX XXXX information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to my debt validation request, then you have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Product: Mortgage

To whom it may concern, The IRS have approved the 1099A for student loan XXXX on XX/XX/2023. Mailed to BROKER SOLUTIONS INC DBA NEW AMERICAN FUNDING XX/XX/2023. Requested a copy of the Copy B For Cancellation of Debt via Certified mail. 
My account has not been corrected to XXXX Balance as of today XX/XX/2023. 

Unable to locate to various websites : SEC.gov, EDGAR, 10K filing, State of Delaware Secretary of State and the State of California SOS website to LOCATE the Company.

TRUSTEE and Indentured Trustee.
Product: Mortgage

This is my 2nd complaint about this company and nothing was resolved with the first complaint. 

I was in a COVID 19 forbearance with XXXX XXXXe and they sold my account to Freedom Mortgage on XX/XX/22. I made 3 months worth of payments to Freedom Mortgage in the amoun of {$4000.00} on approx XX/XX/22. Freedom Mortgage told me they were honoring my agreement with XXXX and they have not. 

I have been harassed with phone calls, threatening letters stating I am in default and they will be foreclosing on my property that has been paid by the COVID 19 modification money as well as my payment. I owe nothing until XX/XX/22 and I am constantly harrassed. 

They are now stating that I owe them for the month of XXXX and I DO NOT! They are paid until XX/XX/XXXX and they ALSO put me in a forebearance. I am afraid of losing my home at this point and I need to know if there is anything legal I can do through you to make them stop. They are screwing up my mortgage and I don't want them as my service provider because of this. It has been almost 3 months and they have done nothing but harass me the whole time. I NEED HELP!! 

They are deceptive and will not post all of my money to my account!
Product: Credit reporting or other personal consumer reports

JPMCB CARD has an inquiry that I didn't do and would like it to be removed. 


RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made by JPMCB CARD. I contacted, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Product: Student loan

Spoke with the company regarding the high interest rates that are charged. The Student loan taken out in 2007 contains, what I would call usurious, variable interest rate. Monthly over payments have been made month over month but the loan balance continues to increase. communication with the servicer has yielded the following response : " we are setting the rate at the investor 's behest. It's outlined in your note. '' It's honestly ridiculous to have an interest rate on a student loan be at 8 % especially when the fed has continued to cut interest rates ...
Product: Debt collection

XXXX  opened a account in my name without my authority and charged my and sent it to collections now its on my credit report
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding CFPB 's Failure to Enforce FCRA Subsection 605B and 15 U.S.C. 1681c-2 Against Equifax XXXX XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to formally express my concern and dissatisfaction with the CFPB 's apparent failure to enforce the Fair Credit Reporting Act ( FCRA ), specifically Subsection 605B ( 15 U.S.C. 1681c-2 ), against the XXXX XXXX  credit reporting agenciesEquifax, XXXX, and XXXX. 

Under the FCRA, Subsection 605B provides clear legal protections for consumers who are victims of identity theft, including the requirement for consumer reporting agencies to block the reporting of information resulting from identity theft within four business days of receiving proper documentation and a consumers request. Despite these requirements, there is substantial evidence suggesting that Equifax, XXXX, and XXXX routinely fail to comply with these obligations, leaving consumers vulnerable to further harm. 

As a federal agency tasked with protecting consumers from abusive financial practices, it is the CFPBs responsibility to ensure that credit reporting agencies operate in compliance with federal laws, including the FCRA. The failure to enforce these provisions not only undermines the rights of consumers but also erodes public confidence in the CFPBs ability to fulfill its mission.

Specifically, I would like the CFPB to address the following concerns : 1 ) Non-Compliance by Credit Reporting Agencies : Equifax, XXXX, and XXXX often ignore or delay the mandated process for blocking fraudulent information, in direct violation of FCRA Subsection 605B.

2 ) Lack of Effective Oversight and Enforcement : The CFPB appears to have failed in holding these credit reporting agencies accountable for their non-compliance, despite the documented evidence and consumer complaints filed over the years. 

3 ) Consumer Harm : The ongoing lack of enforcement has resulted in significant harm to consumers, including damaged credit scores, financial losses, and emotional distress. 

I urge the CFPB to take immediate action to investigate these violations and to enforce the provisions of Subsection 605B of the FCRA against Equifax, XXXX, and XXXX. Furthermore, I request that the CFPB provide transparency regarding the steps it has takenor plans to taketo ensure compliance with this crucial consumer protection law. 

Consumers rely on the CFPB to act as a watchdog against unfair and abusive practices in the financial industry. Your prompt attention to this matter is essential to restoring trust and ensuring that the rights of consumers are upheld. 

Thank you for your time and attention to this critical issue. I look forward to your response and any updates regarding this matter. 

Sincerely, Without prejudice. Without recourse /s/ by : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act conversion of the accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SEC 604 A SEC 2 STATES : CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.
Product: Mortgage

Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we requested a copy of the value from Wells Fargo representative XXXX XXXX, he stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule or CFPB guidelines. He refused to help us and referred us to the negotiator instead. We had already reached out to the negotiator " XXXX XXXX '' last week and she has refused to respond. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to provide a copy of the value is because it does n't actually exist and they simply made XXXX up. 

Wells Fargo said they do not intend to comply with the XXXX and CFPB guidelines. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's record shows that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Product: Credit reporting

Denies that i have any bank accounts and has not updated my addresses in the last two years. The bank account is the same bank account from 2002
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Under 15 U.S. Code 1681o I hope this message finds you well. I am writing to formally dispute certain information in my credit report that I believe is inaccurate. According to 15 U.S. Code 1681o, I have the right to dispute information I believe is incorrect, and I would like to exercise that right. 

The details of my dispute are as follows : {$11000.00} item was deleted and then reinserted. XX/XX/year>. 

I kindly request that you investigate this matter and correct the inaccuracies at your earliest convenience. I am eager to resolve this issue promptly and appreciate your attention to my request. 

Please let me know if you require any further information from my side to assist in your investigation. I can be reached at the contact details provided above. 

Thank you for your cooperation and support in rectifying this matter. 

Warm regards,
Product: Debt collection

Validation Request and Cease and Desist Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir or Madam, I am in receipt of your recent communication regarding a debt you allege I owe. Before proceeding, I need to ensure that this claim is directed to the correct individual. Please provide any contract or agreement, signed by me, that demonstrates the existence of this debt with your company or the original creditor. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : 1. The full name and address of both the original and current creditor. 2. Verification of the specific amount you claim I owe, including an itemized breakdown of how this amount was calculated. 3. Documentation that demonstrates the existence of a legitimate contract that substantiates the debt amount. 4. Proof of the full chain of assignments, showing how the debt was transferred from the original creditor to the current entity seeking collection. 5. Evidence that the original creditor securitized the debt, if applicable. 6. Documentation showing any assignment of the debt between a secured trust and the original creditor, if such an event occurred. Until you provide proper validation of this debt, I request that you cease and desist from any further attempts to collect or report this debt to any credit reporting agencies. Furthermore, I hereby dispute this debt and any claims associated with it. If you have already reported this matter to any credit bureau, this dispute must be reflected on my credit report. Please also refrain from reviewing or accessing my credit information without permissible purpose. Should you choose to transfer or sell this account to another debt collector, I expect that you will inform them of my dispute and ensure that they are aware of this ongoing issue. I appreciate your prompt attention to this matter and look forward to your timely response. Sincerely, XXXX XXXX
Product: Checking or savings account

I have an account with Chime I currently have 2 issues with them : XX/XX/XXXX I money was transferred from my account to another Chime member however it was not authorized as the other member scammed me out of money and goods/services. I dispute this with the bank on 4 different occasions and I have been denied each time even after presented ample evidence. 
Then XX/XX/XXXX my account was hacked and I was locked out if my account for almost 2 weeks and the individual whom hacked my account drained my entire account. I informed Chime of this and disputed each transaction again they denied me so I have resubmitted a rebuttal for each occurrence but they continue to not issue any type of credit and I am expected to just be ok that I had my identity stolen. 
They made a copy of my debit card and changed the pin. 
XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX ATM withdrawal XXXX XXXX ATM withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM fee XXXX XXXX ATM fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please help me to get my money back I am on a fixed income. I missed all my bills because of Chime.
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account numbers XXXX, XXXX, XXXX, XXXX with XXXX  XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the items had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX