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 inaccuracies in 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. 16811, 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. 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. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is shiba. Crypto.com stated that there was a {$3500.00} transaction for eth. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds.
Product: Checking or savings account

My XXXX Account debit card was stolen. An unknown person deposited counterfeit checks in the XXXX  account due to this Bank of America decided to close the account because of this my personal account was frozen my direct deposit was placed into my personal checking account the bank refuses to allow me to get my funds out of my personal account and provide me with multiple dates of the account closure of when they would send a cashiers check I spoke to several different employees who provided many different answers all of which were incorrect. The last time I spoke with an employee she told me I can go into a local bank and withdraw my funds from my personal account when I went to the bank the teller advised me I will not be able to get the funds I called back the bank who then told me that my account will be closed on XX/XX/2020 however the last representative told me that it will be closed XX/XX/2020 I have made several requests to the bank to immediately close the account so that I can retrieve my funds. They said that they would submit a request for me to be able to withdraw funds however they can not guarantee that that request will be approved. I was transferred to many different Departments I was hung up on several times. I am requesting that investigation investigation be completed to make sure that Bank of America is following banking regulations when it comes to a fraudulent claim. I have been violated twice by the person who stole my banking information and by the bank for not allowing me to get my funds that were deposited by my employer I have had Bank of America for over 14 years and this is despicable.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have been in a dispute with Transunion over a bankruptcy that they are reporting on my credit report. Towards the end of 2021 I discovered that the credit bureaus were reporting a XXXX XXXX bankruptcy on my credit report. I reached out to the bureaus to find out where they were getting the information and they said it was coming from the courthouse, so I wrote the court to inquire about the information given and I found out that the court does not supply or validate any such information to any credit bureau. They supplied me with a letter, and I sent to them but then they told me that XXXX was actually the one suppling the information. I wrote to XXXX and inquired, and they said yes, they were supplying the information which they got from the courthouse. I launched a dispute with the letter from the courthouse and XXXX removed the bankruptcy from their file. I have provided that letter and also the letter from the courthouse for your review. After they removed it from their file I went to all three bureaus and launched another dispute, and I supplied them with the letter from the courthouse saying they do not report to any credit bureaus or validate any information either and I also sent the letter from XXXX stating their removal from their records and as a result of the XXXX and XXXX end up removing the bankruptcy from their files as the law required them to base on the fact that they could not fully validate the information with the original source which would be the courthouse, as per 15 U.S.C. 1681a which states that that all reporting must be 100 % accurate but Transunion kept reporting it till this day, even though I have repeatedly asked them to remove the reporting from my file. I ask them to reinvestigate many times over, which they say they do but they don't. No proper reinvestigation is ever done. Consumers have the right to accurate reporting as per the law and if they can not validate the information, then they must remove it and pay the fines for damaging my credit file for 4 years. I demand that this wrong be made right with a removal and that they honor the laws. I also demand that they honor 15 U.S.C 1681b and adhere themselves to reasonable procedures as stated by the law. Thank you for your consideration of this very important matter. 

Sincerly, XXXX XXXX
Product: Credit card or prepaid card

We were contacted by the USAA fraud department that the account was hacked and they sent new cards ( to me & spouse ). I was sent a suspicious bill for {$20.00} from the collections dept. at USAA. I paid this amount on XXXX and today got a bill for now {$30.00} and they didn't receive my check. My check cleared so they got it. What they are doing is double billing customers which is illegal and predatory. My wife and I intend to cancel our USAA charge accounts as soon as we can. USAA is threatening to turn us into a collections agency. If our credit is harmed, then we will be talking to an attorney about suing them. As it is now we are telling everyone we know NEVER to do business with USAA since they a re a predatory lender.
Product: Credit reporting or other personal consumer reports

Hi, the erroneous information you keep reporting on my credit has already been deleted by both XXXX and XXXX and were blocked from reporting said information, so I don't know why you keep reporting these errors on my credit this is extremely stressing me out. I have contacted EXPERIAN and a representative confirmed to me that they are already deleted from my credit report but I still see it which is super frustrating.
Product: Mortgage

Selene Finance Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Selene Finance has received a complete package, including the buyers Drivers License to clear the OFAC requirement. They have even submitted the package to their investor for review. Yet, they are refusing to postpone the auction. 

**************This is dual tracking, and it has been determined that this is a violation of Regulation X. XXXX has already been fined for this exact behavior. See highlighted section on page 2 of the attached CFPB release dated XX/XX/2020. 

******The precedent has been set that refusing to postpone a foreclosure auction while being in receipt of a complete package is a violation of Regulation X. Therefore I want the foreclosure date to be postponed so that the investor may have time to review the package submitted to them by Selene. 

-- -- -- -- -- -Additionally, we have not been allowed to speak to a human being at this company. We are forced to leave a voicemail, and have not gotten return calls from Selene. This is a violation of the SPOC guidelines and servicing guidelines set forth by the CFPB and the State of California. 


-- -Also attached is my Third Party Authorization Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as 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 My correct address is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. 
Below are the accounts : XXXXXXXX XXXX- {$200.00}. XXXX {$210.00}. XXXXXXXX XXXX  {$280.00}. XXXXXXXX XXXX- {$1800.00}. XXXXXXXX XXXX- {$1900.00}. XXXXXXXX XXXX- {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX and IC SYSTEM # XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 )  ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with Equifax over the past few months in an attempt to rectify identity theft related items on my credit report. During this process, they placed a Fraud Alert on my credit without my consent, and now, for whatever reason, I am no longer able to see my updated credit score via the my.equifax.com site OR sites like XXXX XXXX, etc. I filed a request to have this block removed weeks ago and no action has been taken. Most recently when calling, I was told by them that it wasn't their fault and there was nothing I could do but wait. 

To add insult to injury, I pay Equifax to get a daily score that has been frozen since XX/XX/29 This has caused me damage as I try to accurately monitor my credit for future identity theft, as well as prepare to buy my first home. To be safe, I have emailed Equifax and all credit bureaus a request to remove any fraud alerts from my account.
Product: Debt collection

Midland Funding had posted a debt under a different name, I had it challenged and DELETED from all XXXX Credit reporting agencies, now they re-filed it under XXXX to try and get this debt again! This is illegal practice and a complete violation of my rights under the FCRA. I want these posts removed immediately. This company is on every ripoff report ruining people 's good names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXr # XXXXXXXX XXXX XXXX  # XXXX XXXXXXXX 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
Product: Debt collection

This was a payday loan from nearly 5 years ago where I lapsed in payment because I had to XXXX due to an unrelated reason. I am being threatened to be taken to court for the amount of {$1400.00} plus attorney and legal fees, the amount of which is more than the loan amount was originally. They are calling me and representing themselves as an attorney 's office by name of Cooper, Hoffman, Klein & Associates. Please let me know my legal rights and if they are a legitimate group as I can not find them listed. I can not afford to pay the amount they are asking. They call under ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX XXXX XXXX AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX  HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

see attached.
Product: Credit card or prepaid card

I have this Capital one Card ending in XXXX. I got an alert with XXXX in regards to a late payment. I have not used this card in a very long time. I called to find out what is the balance for. come to find out it is due to an annual fee. I never got an email. she said sometimes they fall into spam. I told XXXX XXXX ID XXXX No this is not ok. look at my history I have never been late. what can we do to remove this from my credit report. I will gladly pay to have this removed and close my account as I have NOT used this card in a very long time! She said she could not do that. I told her ok let me do some things and get back to you. Can you help me? This is completely unfair. I have a great history with them in the past. Never late This is not right that due to an annual fee this is on my report. As I told XXXX I will gladly pay this. but I want to close the account as well. Please help me with getting this removed. 

Capital one Card # XXXX Exp XX/XX/22 XXXX digit code XXXX Their number XXXX The expiration date alone says it all. I never even got a new card. 

Please help me my email is XXXX my cell XXXX
Product: Mortgage

2 separate issues : 1. On XX/XX/XXXX, I attempted to make a payment via my usual method, for some reason the website only took my additional principal payment, not my standard Mortgage payment. I was NOT contacted about being late for XXXX, due to this error on THEIR website, although they claimed I was. I have proof no voicemail was ever left or email ever received. Once I realized this had occurred, I made both payments i ( and a thrid payment for XXXX ) including the late fee on XX/XX/XXXX ( one payment for the missing XXXX, and for XXXX ). I was reported 30 days late for XXXX. I sent them a message per their website recommendation. No response for over 40 DAYS. I called during this time, in which they credited back the late fee to my principal, but unbeknownst to me two weeks later ( ~XXXX XXXX ) I was reported as late. 

2. Second issue : I have statements clearly stating on their website as well as my own records that on XX/XX/XXXX I made payments for XXXX, XXXX, and XXXX. Right now, their website indicates my next payment is due XX/XX/XXXX, yet they reported me 30 days late AGAIN for XXXX. 

This Servicer tries to avoid assisting in any way by forcing their customers to use poorly working websites, tedious phone trees, and 30 day turn around SLAs for answering questions via their website message ; all while claiming ( according to the large banners on their homepage ) that they are " here for their customers during this Covid crisis. '' Not only is this bad business it is fraudulent in nature. I have made complaints to the mortgage broker that uses this company as well as to whomever else will listen. Hopefully there is something that can be done about these types of shady businesses.
Product: Debt collection

Good afternoon, I am wanting to write in regard to a situation that I feel was professionally wrong. I communicated with a collection agency Hunter Warfield on a debt that I owed to them. I set up to where I settled for a disclosed figure and was told by the employee ( XXXX XXXX ) that it would be taken off my credit within 24hrs of final payment. well I called and tried to figure out how to go about making sure that this was taking off my credit as I had already been able to go and print out the receipt of payment where it states that the collection had been XXXX out and settled in full. Upon trying to do so I spoke with another employee who submitted a manual notification stating that it had been settled as well to the credit company and provided me with the AUD Update Control Number to provide to the credit company as well. Upon contacting the credit company I was informed that it was going to be up to the collection company as to whether or not they remove it off my credit. I called Hunter Warfield back and was transferred to a lady by the name of XXXX XXXX who did n't seem to want to try and hear me out at all and started out by cutting me off and stating that she did n't care what some credit company had told me that she had the say so on whether or not it be removed. XXXX XXXX also went on to inform me that if I did n't be quiet and listen to what she had to say that I was n't definitely going to have anything moved off of my credit. I tried explaining to her that an employee of Hunter Warfield had told me that the debt would taking off my credit once the debt was paid in full. XXXX XXXX informed me that she was n't going to take it off and that it would stay on there for another year and half because I waited for so long to try and pay. she completely disregarded me for a customer and overlooked the fact that I was trying to inform her that I have a XXXX month old and a XXXXmonth old who I am trying to provide housing for and that I was n't able to due that as long as that was still showing up on my credit and so now here still my children and my wife are having to stay with a family member on their couch because she refused to take the collection off my credit and was nasty as all get out with it. I also informed her that I was recording the call as I do with all important calls and she then tried changing her story but it was to late by then. I tried calling back and she has not returned my call or anything to try and get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries 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
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX, Account # XXXX .Date Opened : XX/XX/2007 Amount : {$5000.00}
Product: Credit card or prepaid card

In response to : XXXX I went into my local branch at Bank of American to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly by going into a local Bank of America branch and being told recurring payments were setup properly. 

I then went back into my local branch and was told that I needed to fill out a form and this is why the automatic payments were not setup properly, this is not true. 

I was able to have my son help me do what an employee of Bank of America said he did and that was setup recurring payments. I was able to log into my account online and successfully setup recurring payments. 

The payments were made as one-time payments because the employee from Bank of America didn't do what I was told was done otherwise this would not have happended. 

Attached is proof that I have been getting the runaround. 
1. Told by employee that automatic payments were succesful 2. Then told I needed to fill out a form ( which I will provide ) 3. A screenshot of my son showing me you can do it online. 

If you look at the response of complaint : XXXX. You will see that even in that letter they tell you to call a number. It's a complete mess.