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

I am writing to formally lodge a complaint against Equifax regarding their persistent non-compliance with federal regulations and their unethical tactics during the investigation of disputes. Despite numerous attempts to resolve these issues directly with Equifax, their actions continue to reflect a blatant disregard for the Consumer Financial Protection Bureau 's ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have submitted multiple disputes to Equifax, addressing inaccuracies in my credit report. However, Equifax has consistently failed to adhere to the mandated investigation timelines. Each time I have reached out for an update, I am met with the same generic response : " Company response is in progress. '' This phrase has become a repetitive and frustrating barrier, preventing me from receiving the timely and fair resolution to which I am entitled. 

Equifax 's tactics to avoid detection and accountability are evident. Their delay tactics and failure to provide substantive updates suggest an intentional strategy to exhaust and deter consumers from pursuing their rightful claims. It is unacceptable that a major credit reporting agency, entrusted with safeguarding and accurately reporting consumer information, engages in such deceptive practices. 

I demand to know how many " progress '' responses Equifax has issued and how many investigations are genuinely being conducted versus being delayed indefinitely. The lack of transparency and accountability in their process is deeply concerning and undermines the trust and integrity of the credit reporting system. 

I urge the CFPB to take immediate action to investigate Equifax 's non-compliance and enforce stringent penalties for their continued violations. Consumers rely on the CFPB to uphold fair and ethical practices within the financial sector, and Equifax 's conduct is a stark violation of these principles. 

Please confirm receipt of this complaint and provide an outline of the steps the CFPB will take to address this matter. I am prepared to provide any additional information required to support this investigation and ensure that Equifax is held accountable for their actions. 

Thank you for your prompt attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX Number : XXXX
Product: Debt collection

This company is attempting to collect debt that has been XXXX through Chapter XXXX Bankruptcy in XXXX of XXXX  Over the years, this debt has been purchased and sold by numerous debt collection agencies. This nonsense has got to stop. This company is well aware of the XXXX status of this debt and they are well aware of the expired statute of limitations for debt collection. The purchasing, selling and repurchasing of debts XXXX in Bankruptcy should not be permitted. The debt they are attempting to collect was XXXX XXXX  years ago! I should not have to continue dealing with this nonsense from these collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicates from student loans they have listed 4 original loans listed as 12 loans Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed five times but it is originally one loan XXXX XXXX is a medical bill, it is illegal and a violation of my hippa rights to post my medical information on my chart and it's illegal to post duplicates I only have 4 original loan documents I even have addresses that are duplicates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/22. I'm now requesting you investigate the XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX City, XXXX, ZIP Code Phone Number XXXX Email Address XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Disputes Department, Subject : Dispute of Credit Report Entry I am writing to formally dispute an item listed on my credit report. After reviewing my credit report, I noticed the following inaccurate information : Account Name : [ Midland Credit Management ] Original Creditor [ XXXX XXXX XXXX  XXXX. 
Account Number : [ XXXX ] Original Balance [ XXXX ] Date of Entry : [ XX/XX/XXXX ] The reason for my dispute is : [ " The account is not mine During year XXXX I was living in XXXX XXXX XXXX XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX This card was sent to the Address XXXX XXXX XXXX XXXX XXXX In XXXX / This Address is not mine " ] I request that you investigate this matter and correct any inaccuracies in my credit report. Please inform me of the results of your investigation and provide an updated copy of my credit report once the correction has been made. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a leased vehicle in XX/XX/2020 and after i got home the car would not come out of park. i called the company XXXX XXXX XXXX address XXXX XXXX XXXX XXXX tn XXXX and they sent me to a mechanic in XXXX XXXX and he said he could not fix it but he told me there was a hole next to my gear to where they had been sticking a strew driver in there to make the gear come out of park and he gave me a strew driver to use until i could find a repair shop. so i called XXXX XXXX again and they sent me to a mechanics in XXXX, ms called XXXX XXXX XXXX and i took a chance driving it there and was trailed by my fiance. so in XX/XX/2020 took it to XXXX XXXX XXXX and left it there it took so long to fix almost 3 weeks and there was also other issues lots of wind sounds in car loud noise and not able to keep it in the road. so i decided i didnt want to take a chance on a car with all those issues so i made and agreement with the company when i spoke with XXXX to get the car from shop and they would not put the car balance on my credit and do a unwind and take it off my acccount. but 3 months later they called me and said that i had damaged the front of the car it had a lot of starches and i was really upset about that cause i had not even driven the car anywhere but the shop. XXXX XXXX stated that the towing company that picked the car up said it had damaged to it when they picked it up which it was no damaged when i took it to the shop. i called the shop on XXXX XX/XX/XXXX and they stated that XXXX XXXX let the car sit here 3 weeks before picking it up and the shop stated that if any damage occured it was when the tow company picked it up. so i never even knew of any damages they claiming until 3 months later. they never showed me pictures or even wrote me a letter. i think they claiming i damaged the car cause i was insisting they take the balance off my credit and they keep telling me they was gon na fix it until 3 months later coming up with damages to the car i suppose to have did. XXXX XXXX XXXX said that XXXX XXXX can call them and they will verify that the car was not damaged when i took it there and when i told XXXX XXXX what XXXX XXXX XXXX said they told me to just get my lawyer and to have my lawyer call their lawyer because they was not gon na take the balance off the account and they wont even say where the car is i never even took possession of car from the shop and they expect me to pay XXXX dollars for a car i dont even have possession of.
Product: Credit card or prepaid card

In Middle of XXXX of 2020 I had contacted American Express about putting a COVID hold on my account due I was not sure what was going on with work. When I spoke to the lady on the phone she told me that they placed a it under the COVID forgiveness for the next 6 moths and if I didn't make a payment I would not get hit on my credit. I unfortunately got hit with a 30day late on my account for XXXX. I been trying to contact and speak to them but they stating that there is nothing they can do about it. I feel like this is an error on their part. I don't have any late 's ever on any of my cards nor this account. If they would have not said not to worry about the credit reporting i would have done what I could to even make the minimum payment.
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies on my account after reviewing a copy of my credit report. This account is hurting my ability to obtain credit. I understand you will investigate these items for me to ensure their accuracy. I request that you examine and verify the following items in the account below as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX CA on XX/XX/23 at XXXX and was dispensed {$1000.00} in $ XXXX that were too old to be used on a foreign trip I'm going on. The ATM card was from another bank without a branch in XXXX XXXX. I went into the bank and asked the teller if they could exchange them for bills in better shape. The teller said they would do that if I were a customer, but I declined to open an account. I pointed out that I had just paid a {$3.00} ATM fee and received bills I couldn't use. The teller said that she could get fired if she gave service to someone who was not a regular bank customer and that the ATM is not something the bank is responsible for. The ATM is managed by someone else so it wasn't the bank 's fault that there were old bills being dispensed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

XXXX XXXX XXXX XXXX running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

I am currently missing various bills and payments due to the fact that my paycheck has not deposit into my account and its almost Friday. I absolutely going to need to pay off what it is that I need to pay off and I have no money to do so because Capital One has yet to deposit my paycheck
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. This account and transactions I am disputing was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- XXXX XXXX XXXX  OPEN DATE XX/XX/2019 ( {$470.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that was not authorized.I did not ask these people to run my credit for the following companies .... 
XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX to pull my credit on XX/XX/XXXX
Product: Mortgage

This problem results from Wells Fargo acquiring my {$200000.00} line of credit from Wachovia Bank in 2008 and refusing to honor the fixed rate option in the Wachovia agreement. Without my consent the line of credit was converted to home equity. With rising interest rates, I am having difficulty with the payments. Since 2008, I have consistently made payments ( have not missed a payment ). None of my payments have been applied to the principal. Wells Fargo tells me that all of my payments ( since 2008 ) have been interest payments and they refuse to give me any statement as to how much I've paid. They have given me a stack of papers and instructed me to compute how much I've paid since 2008. I have asked for an increase in the line of credit in order for me to scale up my small business to meet increased demand for my product. Despite my being a loyal customer and having a {$1.00} XXXX home as collateral, Wells Fargo has refused my request. I was told by a Wells Fargo employee that Wells Fargo does not extend lines of credit XXXX XXXX XXXX  XXXX. I have not been given an official reason for the denial ; another employee said it was above her pay grade and if I didn't pay, Wells Fargo would simply foreclose on my house.
Product: Checking or savings account

Citibank removed my name from all business accounts without notice, in XX/XX/year>, without any due process, or legal justification. 
As a co-owner of XXXX, I had full legal rights to these accounts, yet Citibank acted on false accusations without allowing me to defend myself. 
Baseless Embezzlement Claims & Due Process Violation My colleagues XXXX XXXX and XXXX XXXX made false accusations of embezzlement to Citibank, which led to my removal. 
Citibank failed to verify these claims or conduct an independent investigation before taking action. 
Hacking & Fraudulent Checks My computer was hacked, and XXXX fraudulent {$10000.00} checks were issued in my name to my home address. 
I was the XXXX who identified and stopped these fraudulent payments. 
Despite this, Citibank failed to notify me, as a co-owner, that my name was being removed from the accounts. 
XXXX  & Financial Hardship This reckless decision caused me severe emotional distress and financial hardship. 
I am pursuing legal action against my colleagues for criminal activity, including hacking my computer. 
I am also prepared to sue Citibank for damages resulting from their negligence and failure to uphold my rights. 
Legal Inquiry I have official Citibank XXXX confirming that XXXX XXXX and XXXX XXXX reviewed the fraudulent checks but deliberately failed to stop the payments. Their inaction was not an oversightit was a calculated move to falsely accuse me of embezzlement. 

I demanded an official response outlining the legal basis on which Citibank can revoke an owners name from a business account, especially while legal proceedings between co-owners are ongoing
Product: Mortgage

We were in trail modification payments with Bank of America XXXX ( XXXX ) times and they never gave us a final modification. We paid over {$30000.00} in trial payments to Bank of America. 
and then they transferred our loan.
Product: Debt collection

I paid my XXXX XXXX XXXX bill when I cancelled my coverage back in 2015. I even called when they sent a bill that was incorrect. The lady on the phone looked into it and said I was correct and did not owe the money and she would submit the information. I 've called XXXX XXXX XXXX again now that it has been sent to collections and they say they ca n't help me on the closed account. XXXX XXXX XXXX continues to give this collection to someone new every few months and I dispute it every time, but no one will help me resolve it. This is on my credit report hurting my credit and it should n't be. I 'm being harassed about this bill with no one bothering to help me get it resolved. I paid this in full a long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Hard Inquiries on my credit report not authorized by me. Believed they were caused by identity theft. 

1 by XXXX XXXX XXXX date = XXXX 2 by Discover Financial Servi XXXX dates XXXX, XXXX
Product: Debt collection

Dear Team, I hope this message finds you well. I am urgently reaching out regarding a XXXX situation involving an online coaching program offered by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX specifically their course titled XXXX XXXX XXXX XXXX XXXX XXXX which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only three days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party XXXX XXXX XXXX XXXX XXXX, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community. 

Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for their practices. Assistance in navigating this matter and protecting my family from further harm is crucial. 

Additionally, ongoing health challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. 

Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

XX/XX/2023 - XXXXXXXX XXXX  XXXX - called Account opened with XXXXXXXX XXXX  under my name on XX/XX/2023 -. This is XXXX of XXXX occurrances and am in the process of reporting all - XXXX sent me adebit card and verfication of account opening via mail. I reached out to them via phone XXXX. 
They advised that they will close the account but I got no verification. This complaint will be part of a report that will be filed with the XXXXXXXX XXXX Police Department.
Product: Credit card or prepaid card

Synchrony Bank was and is in violation of 15 US code 1601, XXXX XXXX 
Congressional findings and declaration of purpose. It clearly states when I read it that The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. There must be an informed decision for there to be an agreement, and that did not happen. 
The first thing is that I made an uninformed decision when I entered into this consumer transaction. 
Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision. 
Next, in part ( g ) congress says the the person to whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. Synchrony is in violation because there is no evidence of indebtedness, only an agreement, and this " agreement '' which is null and void because I made an uninformed decision. 
I also need to see proof that they suffered a loss or injury from the transaction. I requested that proof and a copy of the 1099C they filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However, Synchrony is reporting this income on the Credit Reporting Agencies which is in violation. 
Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation.
Product: Debt collection

i 'm STILL getting regular phone calls from a robot identifying itself as " Diversified Adjustment services '' and it 's driving me crazy. they call at various times, sometimes waking me up. they fill up my voicemail. i have no debts! XXXX of the numbers they call from is XXXX it 's been MONTHS!
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate information in my Factor Trust credit file. I previously submitted a dispute under Report XXXX XXXX and Dispute Number XXXX, but my Factor Trust file has not been updated with the correct information. 

It is critical that my file reflect accurate information to prevent further adverse effects on my financial standing and in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a bike from XXXX XXXX XXXX in california. On XX/XX/XXXX I contacted XXXX  XXXX XXXX and requested a full refund. They told me by email that it would take 24 to 48 business hours to process. Than I got another email saying that it will be 7 to 10 days. I waited than I co tacted netspend and they informed me that they didnt receive the right information to release my funds. So I got what they needed and contacted XXXX  XXXX XXXX. They said we have sent numerous emails and faxs to the company. Finally on XX/XX/XXXX my fiance called netspend and spoke to a supervisor and did a three way call to XXXX XXXX XXXX and had a supervisor on the line ... the netspend people told XXXX  exactly what to do. XXXX said they have done this so many times and will do it one last time. Unfortantley, i received an email that says the documents we received was not an approved document. My fiance called netspend today, 3 weeks later and netspend customer service said the document is being reviewed ... .I ont understand why they just cant contact each other via phone and take care of this matter once and for all.
Product: Debt collection

I 've requested validation of debt in XXXX of 2017 and I have t received anything proving that the debt is valid or that they have a legal right to collect on supposed debt