23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX has violated my rights. Or a 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 can not access my account. When I try to login it says " We are temporarily unable to complete this request. '' It has been saying that for months. My loan application was denied due to Equifax locking my credit account. They told me to login and unlock it, but this keeps happening with the unable to complete request. I want my account unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CENTRAL LLC & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any  documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit card

I applied for a targeted offer for an Citi XXXX XXXX Platinum Select Master Card with a XXXX mile bonus offer after spending {$3000.00} in the first XXXX months and Citibank said I was ineligible to receive such an offer. There was no mention of this in the application, and a phone representative confirmed I was eligible for the bonus before I agreed to submit my application.
Product: Mortgage

1. Borrower received a 3rd final loan modification on XX/XX/XXXX. She remained current on her mortgage payments and did not miss a payment. 

2. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/XXXX. The Governor of Florida declared the entire state a disaster area. Immediately following Hurricane Irma, the Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natur
al Disaster Forbearance plan as required by the program guidelines.

4. Lender/Investor denied the Natural Disaster Loan Modification due to Borrower previously receiving the maximum number of Loan Modifications, 3.

5. Therefore, the Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma
Natural Disaster Forbearance plan.
Product: Credit card or prepaid card

Syncro/ Amazon card company charged me a fee to close a account that I never used and reported charges to the credit bureau as unpaid. Which dropped my credit score and ruined my ability to make purchases that I wanted. I was informed that I did not have to charge a fee to close this account that I never used and after 3 attempts to close this account they finally did. Syncro/ Amazon bank card company forced me to pay them to close a account I never used.
Product: Checking or savings account

I called customer service and told them I was having issues with direct deposit and money being sent to my account using XXXX. The representative said my account was placed on hold pending address verification. I explained to the representative that should have not been an issue because I opened my account inside of a local branch and the banker did not ask for that information. I also informed her that the bank should have did address verification before they mailed out my debit card. She didn't respond to my statement. I also told her that I didn't receive any written document from the bank to ask me to verify my address or that my account would be put on hold because not verifying my address. I told the representative to send me an email with what I needed to do to unlock my account, but she didn't do it. I went to the branch where I opened my account and showed them my id and gave them the change of address letter from the post office. The banker said they need a lease, mortgage paper, or utility bill with my address. I told the banker that I am renting a room from someone and nothing is in my name. The banker then said that she would email compliance a copy of change of address paper, but they may refuse and could take up three days for them to respond. So as of today XX/XX/2024, I'm locked out of my bank account and I can't receive or withdraw funds. My job tried to deposit my paycheck, but the bank refused it due to pending verification of my address after they already mailed me my debit card and I received it with my pin. I showed the banker my debit card letting her that I received it at my current address and they said that is still not sufficient enough. Can you please help me get my account unlocked so I withdraw my funds and close my account.
Product: Debt collection

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX regarding an alleged debt from " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$90.00} from dates of service : XX/XX/XXXX and XX/XX/XXXX. These two {$45.00} charges were disputed by me almost two years ago with the hospital due to the fact the doctors office wanted me to pay for an office visit to receive lab results. Upon hearing that XXXX XXXX decided to take their concerns to a debt collector almost two years later, I called Wakefield & Associates on XX/XX/XXXX and spoke to XXXX. During the phone call, I was informed that the debt owed was in fact not {$90.00} as listed in their letter, but rather {$110.00}. XXXX downplayed the other charges as " miscellenous '' but could not ( and would not ) provide any additional information about these charges. He did, however, mention that they were for dates of service XX/XX/XXXX and XX/XX/XXXX. While the charge in XXXX may be apart of the date of service on XX/XX/XXXX. I have been a resident of XXXX, TN and not visited XXXX XXXX  or XXXX, TN since leaving the city in XX/XX/XXXX so I am not sure how I could have been responsible for the alleged charge in XXXX of this year. After asking for more information about these charges, XXXX told me that there wasn't more that he could provide me, but that I would have to dispute the charges. He then began asking if I worked and where I worked. I told him that this was not relevant and not something he should be able to ask me. He became defensive and asked " why not '' and " what law are you taking about ''. He continued badgering me for information by asking if it was a " state or federal law. '' When I offered to look up the laws regarding contacting any other persons besides myself ( FDCPA 15 U.S.C. 1692b ) and engaging in abusive behavior ( FDCPA 15 U.S.C. 1692d ) he shut down and said that " we've already been on the phone for over ten minutes now. '' I told him that this conversation was also being recording and that I would be filing a complaint because of the tone and content of his questions. I have attached the recording of the phone conversation, as well as a photo copy of the letter sent to me for review.
Product: Debt collection

ON XX/XX/2022 ELEVATE FLAG MY ACCOUNT FOR A DEBT THAT I DO NOT OWE
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

This is a reference for CFPB COMPLAINT ID XXXX, please see a copy of the attached TransUnion consumer report, highlighted with all inaccurate or incomplete information. XXXX XXXX XXXX, best regards.
Product: Debt collection

I got a email from a collection company. so I call to let them know that it was my ex husband not me. so the det compny proceeded to tell me I owe this debt because I was his wife. I said nope ex-wife. XXXX proceed to tell me I was going to pay this bill or I would have to go to court.
Product: Debt collection

To whom it may concern, Can I please get a refund for all the effort in correcting a derogatory creditor on my credit score and corrected information that was paid years ago. I've contacted the Citi Bank directly and all I got was the wrong number, they wouldn't give me the proper billing address, they wouldn't send credit card in a timely fashion and won't allow me to access the prompts when first calling. I called my financial worker on the following dates XXXX-19 and XXXX-19. Not much interest there either.Sincerely yours, XXXX XXXX XXXX.Thanks.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citibank checking account ending in XXXX, and a savings account ending in XXXX. As explained in their " Priority Package '' promotion - opening both a savings and checking account, and depositing {$50000.00} minimum into checking for 60 days would earn a {$700.00} bonus payment. 

I deposited {$50000.00} into my checking account on XX/XX/XXXX - and left it in that account until XX/XX/XXXX - well beyond the 60 day requirement. 

Why did I never receive the {$700.00} promotion payment? 

I tried phone contacting Citi about this on XX/XX/XXXX. After spending an hour of being transferred between multiple representatives, waiting on hold many times, and continually having to verify my identity- no one could answer my question. I gave up. 

Just another example of how Citi gives false misleading information, and cheats customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I was told by Freedom Debt Services that their program would get me out of debt faster and save me money and give me piece of mind. I enrolled four items with them under the understanding that they would negotiate payment plans. so, far they did one, which was already started by me and mostly paid by me. they saved me {$78.00}. They have done nothing but allow the debt to go to legal status. They have negotiated nothing and it is become obvious they negotiate only after legal proceedings begin. I have contacted them multiple times and they never respond. They take money from my account every month and it is not used for my debt. they take fees from it and the remainder sits there instead of being used for my debt. I know I was XXXX, but they just kept telling me how this was going to take pressure off me. Even when I questioned the ethical issues of not paying my debt the woman said this was backed by a government program to help consumers and in the end the credit card company receives full payment. And I can not seem to stop the madness! They have no chat, calling means I sit on hold for long periods ( and can not do that at my jobs ) and they do not respond to e-mails.
Product: Debt collection

I received a letter dated XX/XX/2022 from Southwest Credit Systems, L.P. stating that they are attempting to collect a debt that I owe to XXXX. It stated that as of XX/XX/2022 I owed {$840.00} to XXXX. On XX/XX/2022, I called XXXX billing and they confirmed that my account was up-to-date, and I had no outstanding payments. The representative stated that the letter was probably fraudulent and they see these all the time. Per the representatives instructions, I reported the letter to XXXX fraud department too. I thought no more about it. 

On XX/XX/2022, I pulled my credit report with all three credit bureaus, which indicated that I had an outstanding balance of {$490.00} with XXXX in collections. I called XXXX on XX/XX/2022 to discuss report the issue, and XXXX billing again confirmed I had no outstanding balances, and that theyd continue researching and call me back on XX/XX/2022 at XXXX XXXX. I called XXXX back at XXXX XXXX on XX/XX/2022, and I eventually was connected to the collections department which indicated that the outstanding balance was related to service at an address where I never lived. They said that the service was signed up under my full name, my social security number. This is the first time I realized I was a victim of identity theft, and I reported it to the local police and the FTC. I also filed a dispute with all three credit bureaus. 

On XX/XX/2022, I called XXXX collections to discuss how this happened. They indicated that in XX/XX/2022, they reached out to the phone number and email address provided by the identity thief regarding the collections but never reached out to any of my actual contact info on file. They stated that XXXX never would have told me that I had an outstanding balance, unless they searched by my SSN -- which they confirmed I've never fully provided to XXXX. I then emailed the fraud packet to XXXX 's identity theft department. And I sent my proof of identity theft to XXXX via mail.
Product: Credit card or prepaid card

My Credit card is prepaid in the beginning. The problem I have is when ever I need to do a large purchase it ties up the card so I can not use it as pending. I can not put money on the card because it is not showing as being processed but It still reduces my " available credit '' so that I can not use it. USAA says they can not do anything until the other companies process it but still prevent my from doing anything with it. It leaves it as taken but not? If it is Prepaid and sitting in a CD for them than how can they not approve it so that the card can be used. I had to pay on some car parts and now I cant do anything to fix my house because everything is sitting in bureaucratic limbo. They money is there, but now I wont be able to pay any bills or repairs that I have.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX  ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX  had confirmed they would process official paperwork with the DMV to register the car in my name. As of XXXX XXXX  is unable to provide any evidence that they have made progress registering the vehicle in my name and I am unable to legally drive the car. 

I used XXXX  to secure financing for this vehicle through TD Auto Finance and have made a down payment and 2 monthly payments. My third will be on XX/XX/XXXX. I am unable to legally drive the car and XXXX  will not process a return.

I am also contacting TD Auto Finance to see how they can help and recommend they stop financing with this dealer. 

Any help would be appreciated. XXXX  is unable to deliver on their product and I am stuck without line of sight to recourse and an outstanding {$20000.00} financed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX XXXX  XXXX {$1900.00} XXXX  - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} DP OF EDUC - XXXX {$0.00} XXXX XXXX XXXX XXXX - XXXX {$1400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$180000.00} DPEDXXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX and XXXX consistently responds within 24 hours stating that the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX 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 that 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 card or prepaid card

XXXX bank was taken over by XXXX XXXX bank. At the time they told me nothing would change for me, the 2 accounts would be joined. So I could continue payment on my XXXX thinking even paid up, the payments applied to my XXXX XXXX card. Well about a week ago I realized that those payments to XXXX bank which was an affiliate of XXXX were never applied to my XXXX XXXX card. That card ending in account # XXXX with XXXX bank XXXX has been receiving payments since XX/XX/2017 for {$50.00} /Month. I have proof of that trough my 2+ years of bank statements. I have contacted both XXXX and XXXX XXXX, neither was willing to help me in this matter since they could not find my account number. All this was paid through my bill pay with XXXX bank.
Product: Credit reporting or other personal consumer reports

Equifax, I am deeply frustrated by your failure to properly investigate my disputes, which appears to involve multiple violations of the Fair Credit Reporting Act ( FCRA ). Under the FCRA ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure the accuracy of consumer reports and conduct timely and reasonable investigations. Your actions, or lack thereof, seem to violate several provisions. These include failing to conduct a reasonable reinvestigation of disputed information within the required 30-day period, failing to notify data furnishers of my disputes promptly so they could verify the accuracy of the information, and failing to delete or correct inaccurate or unverifiable information within the required timeframe.

Additionally, you have failed to notify me of the results of the reinvestigation within five business days after its completion and have not provided me with the contact information of any furnishers involved in the reinvestigation. This is further compounded by the failure to ensure that data furnishers conducted their own investigations in response to disputes and to maintain reasonable procedures to ensure maximum possible accuracy in the information reported. 

Your lack of compliance has caused harm to my credit and financial well-being. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take immediate action to hold Equifax accountable for non-compliance. If this matter is not resolved promptly, I will explore further remedies, including filing complaints with
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute a late payment reported by XXXX XXXX XXXX that appears on my credit report dated XX/XX/year> I believe this reporting is in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666 ( b ), as the payment in question was either : * Incorrectly billed, or * The result of a billing error on the part of the creditor.