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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  refused to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  two  separate months well after lease ended. The  Statute of Limitatiins is long past even based on their reporting and it also is very close to 7 years ago.       XXXX   XXXX  told me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violate s the Fair and Accueate Credit Transactio ns Act.     I have had a few Fords through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.
Product: Credit card or prepaid card

I have been with the NFCU for over 6 years now. I have 2 credit cards, 1 saving and checking accounts and a line of credit. I have always made my payments with no issue, I never been 30 days late on my payments. 

On XX/XX/2019, I had XXXX and I was forced to be on medical leave for so long and so I was out of work but I was able to continue my payment with no issue until XXXX. When I realized it would be difficult to make payments, I called all my creditors including NFCU if they can do something. They came back and said no I do not qualify for any help because I do not have enough income ( even though XXXX XXXX was able to help ) but instead, they offered to extend my due date to few months and as the deadline approached and I was still out on medical leave, I called to get another extension on all 3 accounts : 2 credit cards and the line of credit. Ultimately, I went back to work and in XXXX I was able to make large payments on all my 3 accounts. 

I have 3 big issues with the way NFCU treated me. For a bank that always claims to be there for the vet and their family, I think it is immoral the way they treated me. I just come to find out that, even though they said they have given me an extension on my payments, they reported all these payments as late payment on all 3 credit bureau with some of them going as high as 90 days late. This is not Ok specially in these difficult times. This is NOT helping the vet and their family. My credit score has suffered badly as a result of 7 late payment NFCU put on my credits even though I had the extension. They also suspend and cancel my line of credit. How can you people be so cruel. You don't even help like the other bank did. 

Also, I do not agree with the interest charged on my credit card ending XXXX. How can you charge me {$270.00} interest on purchase when I paid $ XXXX on XX/XX/XXXX before my cycle close on XX/XX/XXXX? keep in mind that when my previous balance was {$22000.00}, the interest was charged was {$280.00}. How is it that with more that half that balance ( $ XXXX ) I still pay almost the same interest even though my payment was done before the cycle close. I have the same issue with my line of credit and my other credit card. 




Of all the banks, NFCU is the one I would expect not to be mean to their customer but you guys were of no assistance in the time of need. I was out on medical leave for XXXX XXXX  XXXX but yall did not help like other did but you destroyed my credit and charged me funny interest. I am sending this same letter to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been reporting late payments to my account causing me to not be able to be approved for a home for my family. This company is misusing my privacy and concern laws by reporting late payments to my account. There is no law stating that any transaction needs to be reported.
Product: Credit card

I had several small fraudulent charges placed on my card, total of {$34.00} in XXXX of XXXX. When I discovered them on my XXXX statement in XXXX, I called XXXX 's customer service line. The reps I spoke with assured me that they would be removed. They apparently were & to be safe, I was issued a new card. The charges came back as reoccurring since that is how the perps set it up. The charges came back in XXXX, I called again, & thought I had this reoccurring thing removed. Another month later in XXXX now,, they returned & this time Synchrony Bank, keeps saying it is a balance transfer from the old car to the new card when they were fraudulent on the old. 

I have made several more calls along with live chat to get it resolved. I told than that I have a XXXX  XXXX credit rating, always pay my credit card balances at the end of each month ( I never have to pay finance charges ), and keep meticulous records. 

I realize in the great scheme of things {$34.00} isn't that much, but there is a principle here- I am not liable for the fraudulent charges & the reps I spoke with agreed with that, but the keep reoccurring on this credit card - I have since canceled the card, but they continue to say that I owe them {$34.00}. So what do I do?
Product: Mortgage

My wife, XXXX XXXX, and I have been applying for a loan modification based on my loss of income due to my illness, XXXX XXXX. However, my service company is refusing to take a look at the whole history of my mortgage loan to deliver a solution to our problem. Select Portfolio Servicing is acting like if they do not know what happened previously with this property. They are just denying my request for a loan modification prima facie without going deep into the matter. They gave me a solution that is not a solution at all. They wanted me to pay them {$3100.00} per month in a repayment plan that they came up with without evaluating my finances. I have faced XXXX foreclosure cases already since XXXX, brought by different services like XXXX and XXXX. My intention is to retain this property permanently. However, the loan originators, made a mistake by placing XXXX XXXX XXXX XXXX as the non-obligor borrower. I rescued this property from foreclosure twice in XXXX and once in XXXX. What I am requesting is that my servicer evaluates the history of this loan to give me the best choice. I will not accept XXXX year or XXXX year solutions this time. I need a permanent solution. I need my servicer and the investors to be on my side when I take XXXX XXXX XXXX XXXX to court. After all, my wife and I have been the ones facing foreclosures and its consequences.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie 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 ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 Ive marked as inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : 1. XXXX XXXX account ending in XXXX, which was charged off. 

2. XXXX XXXX account ending in XXXX, which was also charged off. 

3. XXXX account from XXXX XXXX XXXX ending in XXXX. 

4. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX. 

5. XXXX account from XXXX XXXX  ending in XXXX. 

6. Charge off account from XXXX XXXX XXXX XXXX. 

7. Charge off account from XXXX ending in XXXX. 

8. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 



I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 



I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 



Thank you for your attention to this matter. 



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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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. 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, credit repair services, or other personal consumer reports

I was reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.
Product: Debt collection

My daughter sold a car that was titled in my husbands name. The person who bought the car purchased insurance the day he bought it. The day after the purchase the title would be transferred to the new owner unfortunately the car was involved in an accident and the car was a total loss. I spoke with the insurance company and provided a bill of sale and that was the last i heard anything regarding this accident. It has been over 2 years since this incident. on XXXX/XXXX/16 I received a letter from a Vengroff Williams , INC stating that my husband owed a claim of {$2200.00}. I called the company and spoke with XXXX XXXX. I explained the situation regarding the sale of the car. She provided me the name of the person who bought the car. I looked up this company by their phone number and was amazed at the negative comments that were posted about this company. I called the company again this morning and asked if they could send me any and all documentation regarding this claim so that I might want to have a lawyer look it and the lady i spoke with became very rude and told me that she was not sending me anything. I believe this is scam. I am not understanding why after 2 years this has become an issue and this company is wanting us to pay claim that we knew nothing about.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked the bureaus to remove them and they have not done as I asked. I'm providing an identity theft report and requesting these to be removed because they are inaccurate and not mine
Product: Money transfer, virtual currency, or money service

I am here to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, HYUNDAI FINANCE has violated my rights. Under 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 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. HYUNDAI FINANCE has reported 14 late payments to my credit report.
Product: Credit card or prepaid card

ON XXXX I opened a credit card with HSBC Bank USA. I used the credit card for a few months always paying on time. The account was an online account so no statements were mailed to me. I never heard anything else until a collection notice from XXXX was mailed on XX/XX/2020 requesting {$7600.00}. I have made several attempts to correct this with HSBC. Overal, I have place at least 10+ calls and spent over 10 hours with HSBC on the phone. So far, I have not received any statements or any proof of the transaction. What I have learned is that the account was compromised, including the address, email, and driver license info all changed from my original application. Which makes it very hard for them to verify me to even discuss the issue. Even as of today, they will not send me a statement or any proof of the transaction because my real address does not match the one they have on file. Therefore, I did not receive any updates of the transaction for over a year. Only collection notices. I have spoken to the fraud department, collections, and left messages with their US help line, without getting a returned call. The charge is fraud and they have not provided proof that I made the charge. The claim that too much time has elapsed for me to contest the charge. This is impacting my credit score and I am trying to refinance my mortgage currently. I have also subhmitted a police report to my local police department regarding the fraud.
Product: Checking or savings account

My debit card was to be replaced due to unauthorized use. With that in mind I explained to capital one that I was in another state working, and my card needed to be sent to this location. And my address had already been updated in there records with this address, and they sent it to the d address. And at this time in my need of my money from my account to pay my motel bill, capital one has refused any option to send wire transfer money to me, putting me out on the street in a city I dont live in nor know anyone. And yet they have done nothing but rudely argued that its not there problem and there is nothing as the representative said again today when she said let me advise you once again you will not get your card today. Even when the second card was issued and promised to arrive on the 29 which even there app has that listed. They have no remorse nothing to say about there fault with sending my card elsewhere and refuse to help me in anyway to get my money to pay my hotel bill. Ask for the recordings and see if that doesnt open your eyes to a deceiving bank that doesnt care about anyone. This has caused me to have to sleep on the street! Is this really how banking with these immoral people should be handled.
Product: Debt collection

Caine and Weiner has violated my Federally protected rights under the FDCPA. I never received a letter to dispute before furnishing this account. Cease communication from me from all mediums including my consumer report.
Product: Debt collection

I'm enrolled in the XXXX Medicare program and received a letter from Revco Solutions a debit collector for the amount of {$45.00}. They don't specify what the debt is for in the letter. I assumed it might be a medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX never late Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the XXXX XXXX App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that XXXX XXXX still to this day has the wrong address on file for me after I have updated it multiple times.
Product: Credit card

I received a fully ready to activate credit card in the mail without submitting any application. I have no prior relationship to CapitalOne. 

It is very concerning that they would just simply put a credit card in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make an complaint about an companies investigation on a creditor on my public records. Reference number : XXXX. XXXX XXXX XXXX XXXX  United States bankruptcy court. I have disputed this through experian and the creditor. Under the FCRA 15 US code section 1681e ( b ) requires experian to verify with the creditor. I contacted the courts and was told from the creditor itself that they dont verify any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.
Product: Credit reporting or other personal consumer reports

Ive disputed these same items with this agency before but they are not complying with the FCRA