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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2024, I discovered discrepancies in the following account ( s ) : 1. ACCOUNT : XXXXXXXX XXXX XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, closed date, creditor type, creditor remarks, last payment, term length, account type, payment frequency, and credit limit. 
XXXX. XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, closed date, ACCOUNT STATUS, creditor remarks, last payment, account type, payment frequency, and credit limit. 
XXXX XXXX XXXX XXXXXXXX, account #, last verified, date of last activity, date reported, date opened, CLOSED DATE, Disputed Information : account status, creditor remarks, original creditor, last payment, past due amount, account type. 
XXXX. XXXX XXXX XXXX XXXX, Disputed Information : account #, high balance, last verified, date of last activity, date reported, date opened, creditor type, account status, payment status, creditor remarks, last payment, term length, past due amount, account type, payment frequency, and credit limit. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request EXPERIAN prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : SSN, BILL, PICTURE OF INACCURACIES AND DRIVER LICENCE.
Product: Credit reporting or other personal consumer reports

Since XXXX, I have had several cases of identity theft, including my information being compromised by data leaks. Starting in XXXX, I activated security freezes with all 3 credit bureaus. Unfortunately, my information was compromised again by Equifax 's data breach several years ago. This could not come at a worse time. 

I am currently applying for a mortgage, so I need to temporarily lift my credit freeze, get copies of my credit reports, and confirm that my account statuses are reported correctly. I also have to make sure that Equifax 's data breach didn't lead to fraudulent accounts being created with my data. I have no issue getting my information from XXXX and XXXX. Yet it is impossible to get my information from Equifax. 

Equifax has an automated system for callers who want to modify their security freezes. Callers must first answer identity verification questions before being transferred to a live person. The system asks callers several questions, each of which has 5 options. You can either speak or enter your response by touching the keypad. The automated system doesn't work because it doesn't register callers ' responses. I reported this issue each time I called Equifax in the past month. So far, Equifax hasn't done anything to fix it. 

After being transferred to a live person, callers then have to complete an online verification form and upload pictures of their photo ID. I've taken clear high contrast pictures, yet Equifax 's system doesn't recognize my photo. To verify my identity, I have to answer additional verification questions. I have already gone through this process several times so I can temporarily lift my credit freeze and set up an online login. I was also offered a hard copy of my Equifax credit report. 

As of XX/XX/XXXX, it's been two weeks since I last called Equifax. I still haven't received the hard copy of my Equifax credit report. And I still haven't been able to set up an online account with Equifax. I have been emailed several different links to set up my online account, yet none of the links work. Supposedly, a ticket was filed with Equifax 's technical support to help me create an online account. I received a welcome email, but no temporary password was included. So I still can't access my credit report online. 

I called Equifax again on XX/XX/XXXX to try and resolve this issue. The representative, XXXX, could not help me and refused to transfer me to another representative who might have had an alternate solution. 

It is incredibly frustrating that Equifax poorly protected my private financial information without facing serious consequences. Affected consumers like myself have such difficulty navigating Equifax 's faulty verification system so we can assess the damage done by the data breach. Can CFPB please intervene and help me get a copy of my Equifax credit report and set up an online account with Equifax?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out the online form to get my annual report from equifax then the website told me that the report was " unavailable '' online. They provided a complicated and onerous procedure for me to collect a bunch of paper documents and apply for it by mail. This unreasonable burden effectively deprives me of the annual report to which I am entitled by law.
Product: Debt collection

Dear Sir/Madam, The XXXX  bill sent by XXXX XXXX  XXXX was supposed to be paid by XXXX XXXX XXXX 
We had a XXXX way calls among XXXX XXXX, XXXX XXXX  XXXX, and me. As per the call, XXXX XXXX  XXXX submitted the claim with wrong code. XXXX XXXX suggested XXXX XXXX XXXX to submit the claim with correct code so that XXXX XXXX can pay the claim. XXXX XXXX  XXXX agreed to re-submit the claim with the correct code. 
All of a sudden, I am seeing this debt collection notice from American Credit System without further communication to me about the update from the XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing 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 infeasible. The CFOBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

WE filed for a loan modification, due to hardship, illness and low income, with Nationstar in XXXX 2016. It took 2 weeks for the 'time sensative ' application to reach us. We were assigned a loan specialist, XXXX XXXX, to oversee the process. We sent the documents requested, sent more documents when the first were deemed insufficient and so on. XXXX XXXX was never available for the telephone, when he would call and reach our screening message he would hang up, and when responding to a message left for him would call back, but always at the wrong phone number. Finally we reached an individual that saw what the problem with our documents was and we sent the correct one on Thursday, XXXX XXXX, 2016. The following Monday, XXXX XXXX, our application showed all the requirements had been met and it had been forwarded to the underwriters. Tuesday, XXXX XXXX, the message had changed, and we were informed that our application had expired XX/XX/2016, and we could re-apply if we wanted too. 
My wife was able to get through to a different agent on Thursday XXXX XXXX, 2016, who informed her that the reason the action had been taken was that there were better programs, ones that fit our needs better. Friday, XXXX XXXX, in a one hour phone tag event, she was informed that had the loan modification gone through, we would have had lower monthly payments, but Nationstar would have added an additional 20 years to our loan duration. We currently have 20 years, 7 months left, I am XXXX ( soon to be XXXX ), and had a XXXX 2 1/2 years ago. My wife is XXXX and does not receive any XXXX payments. 
It is unrealistic for Nationstar to expect us to maintain a mortgage until I am XXXX years old. There never was a communication that shared their intent, the loan 'specialist ' XXXX XXXX was never available, was non-responsive and intentionally obfuscated the actions of Nationstar by returning calls to the wrong number. The last agent my wife talked to had no idea who XXXX XXXX was, and said that he would institute an investigation into why he was allowed to act on Nationstar 's behalf. 
We were applying for a loan modification under the auspices of HARP, in an effort to remain in our house. We are current on our payments and have never missed a payment, but have had some bad luck and ill health lately. We proceeded in good faith. It does not seem that Nationstar has done so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 1602 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 an account without my written instructions.
Product: Prepaid card

I purchased the gift cards, but when I tried to use the card in the store, the transactions were declined for security reasons, and cases were opened ; case number XXXX ( on XXXX XXXX XXXX  ) and XXXX ( on XXXX XXXX XXXX ). As requested, I sent attached documents to XXXX in order to get receive the replacement. I was promised a timeline of 10 business days to receive the replacement card, but when I checked the progress of the cases, I was told I had to keep waiting, despite the cases were escalated. Because my money on all cards is stuck and inaccessible to use for over one month, so I HAVE TO file the complaint to get my money back. It is reasonable to request the refund of remaining balance on the cards, not including the gift card fee or interest loss on the fund. It is the company 's fault that has caused such a hassle, and I have tried my best to solve the problem with reasonable patience.
Product: Checking or savings account

I currently have a Chase checking account. From XX/XX/2023 till today XX/XX/2023, the institute that I bank with, Chase has been charging me overdraft fees. Chase has charged me a total of {$570.00} between the dates above. On XX/XX/2023, I called Chase to try and resolve this issue. I spoke with a representative by the name of XXXX. I also spoke with a supervisor. Both informed me that Chase takes breaks during the holidays, therefore deposits may take a little longer. I have auto pay on all of my bills, I received a deposit to cover all my bills charges On XX/XX/2023. Chase takes XXXX  days to clear deposits which make my account look like its at a negative, causing for their system to charge me a total of {$34.00} dollars XXXX times of overdraft fees. I have also written a letter to Chase requesting ways of us being able to resolve this issue. I'm tiring my best to keep up with the account but with all the overdraft fees, its becoming a little harder.
Product: Credit reporting or other personal consumer reports

I signed up with Experian to get a credit report 1 time. I just realized they have been charging my credit card over {$1000.00} for membership services. I called the # to cancel. Can not get a live agent on the phone. The # keeps directing me to the website. Unable to cancel the membership online. I had a XXXX and would like these unwanted charges refunded to me. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XXXX-Date of XXXX XX/XX/2021 2021
Product: Debt collection

XXXX XXXX XXXX Disputed unpaid Cap One collection {$310.00}. Please initiate a consumer complaint against this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well inability to report accurete only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesing that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/2022 under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verifiued. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( 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 the records of convictions of the crimes which antedates the report by more than seven years.
Product: Credit reporting

XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been previously deleted, but continue to be put back on and I had no contract with these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account but it showing as I didnt pay it off., they said it was closed!
Product: Debt collection

On XX/XX/XXXX, D & A Services sent me a letter stating a XXXX XXXX XXXX account had been placed with their company for collections. The debt listed in the letter was for the amount of {$3000.00}. 

I have never before applied for my own XXXX XXXX XXXX credit card and therefore believe this debt to be invalid. 

On XX/XX/XXXX, I sent D & A Services a certified letter asking for additional information about the account and to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt. I specifically asked them to provide a copy of the written agreement that created my original requirement to pay as well as a copy of the billing statement sent to me by the original creditor. I also asked them to provide details about their authority to collect this debt such as their debt collection license information. 

On XX/XX/XXXX I received a response from D & A services. They included a photocopy of what they claim to be billing statements sent to me from XXXX  XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. These statements have my name and address on them, but I never once received them. In addition, the statements show payments were made on XX/XX/XXXX ( {$160.00} ), XX/XX/XXXX ( {$350.00} ), and XX/XX/XXXX ( {$150.00} ). I would like to know who made these payments and what account they came from because it was not from my bank account. Also, these statements do not have one single charge on them toward the original debt in question. It only shows the debt amount and the monthly fees & interest charged throughout the year which have now increased the debt from {$2600.00} in XX/XX/XXXX to the {$3000.00} that is said to be owed today. I don't understand how they can claim I owe this debt without showing me a single one of the charges they claim are past due. They also failed to include a copy of the original written agreement showing it was indeed me who opened the card and that I agreed to the terms and conditions and my requirement to pay. Finally, D & A Services did not provide any information regarding their license and their authority to collect this debt. 

It is of my opinion the credit card statements they provided are falsified to look as if they were originally sent to me. Each statement provided is a copy and double sided, however, on some of the statements, the dates do not match what is on the front versus the back. For example, one statement is dated on the front as XX/XX/XXXX - XX/XX/XXXX, but on the back of the page the date is listed as XX/XX/XXXX - XX/XX/XXXX. On another one of the statements, the front is dated XX/XX/XXXX - XX/XX/XXXX while the back is dated XX/XX/XXXX - XX/XX/XXXX.
Product: Checking or savings account

This morning cash app claimed they detected fraudulent activity on my account and they locked the account. I have repeatedly spoken with support telling them that all the transaction were done by me. They refuse to unlock the account for XXXX to XXXX hours pending an investigation. They are withholding my money, against my wishes and refusing to acknowledge that I have taken responsibility for all the transactions. This has been my second complaint against them in a month. I hope you will help me resolve this so I can just close the account. How do they just get away with withholding a persons money and leaving no option or recourse?
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. 
I 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Found discrepancies in credit report ; several late payments recorded, misrepresenting typical payment record. Request correction and account update.
Product: Mortgage

On XX/XX/XXXX we closed on a mortgage with XXXX XXXX, XXXX of the lenders suggested by XXXX. The negotiations specifically excluded provision for insurance on the contents, as we did not need or want such insurance. We have been paying our monthly payment of {$540.00} since XX/XX/XXXX. Wells Fargo sent us a letter dated XX/XX/XXXX advising us that they have purchased our mortgage and will commence serving it on XX/XX/XXXX. The letter stated : " Rest assured, this transfer does not affect any terms or conditions of your mortgage. '' A letter dated XX/XX/XXXX from Wells Fargo stated that our hazard insurance had expired on XX/XX/XXXX and " We plan to buy insurance for your property '' There was no such policy, and I have been calling them numerous times to find out how they could legally change any of the terms of our mortgage. My calls have not provided any satisfactory response. We have now received an invoice to a payment of {$560.00} into our escrow account and that our monthly payment will increase from the {$540.00} we have paid for nine months to {$600.00} starting on XX/XX/XXXX. We are XXXX & XXXX years old and XXXX XXXX is our only income.
Product: Vehicle loan or lease

My credit report has a loan from credit acceptance with a balance of XXXX however I never applied of gave credit acceptance my credit information which is illegal and against my rights. I filed a police report and tried to get the matter situated. This is illegal and not right.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my cred standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2020. After about 35 days of no response, I sent another letter on XX/XX/2020 stating that I did not receive a response from the agency in regards to the investigation results and would like for them to investigate my account. It is XXXX and I have yet to receive a response. I'm looking to purchase a home and these inaccurate accounts on my credit report are stopping me from being able to achieve my dream house.