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

I am filling a dispute 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs 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. 2025-CFPB-0002 ) against them for similar violations. I results that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I made a chargeback billing dispute for a {$2000.00} pre-payment for a pinball machine, specifically dispute XXXX. It was closed and I formally appealed. It was then considered by Citibank that the " investigation complete '', without giving me back my {$2000.00}. I disagree and am complaining about the decision and formally request the {$2000.00} to be returned. 

For reference, the {$2000.00} was prepaid for a product I never received, and I had concerns about the quality and workmanship of the product and did not want to continue with the purchase. I provided documented evidence of quality defects occurring in the same product of pinball machines being manufactured prior to my pre-order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft back in XX/XX/XXXX, and  someone opened a XXXX XXXX XXXX XXXX XXXX  Account in my name fraudulently. I have disputed this account with Equifax numerous of times and they still have not blocked/removed this account from my credit report. They did one time inXX/XX/XXXX but reappeared back on my Equifax credit file in XX/XX/XXXX. I am very upset because Equifax is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX XXXX XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Equifax because they are not taking this matter serious, and it is affecting my credit score rating with Equifax, which is hindering me from obtain credit with favorable interest rate. Please have Equifax to remove/block the XXXX XXXX XXXX XXXX XXXX (  Charged-Off ) account ending in XXXX from my Equifax credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief I have been trying to correct my credit reports due to multiple fraudulent hard inquiries, and unemployment in different states I still have hard inquiries on my reports that are not from my consent or knowledge
Product: Mortgage

My current Home Equity Loan is with Ditech, recently I received a letter saying my account number would change due to a system upgrade, this was to have taken place from XX/XX/XXXX until XX/XX/XXXX with the system being up and running by XX/XX/XXXX. As of this complaint the system is still no working and customer service reps or myself can not view my account or history online or via the XXXX #. This has caused a great deal of stress as I need information to complete my XX/XX/XXXX taxes, I have called multiple times ( hold time is typically 25-35 minutes ) then told the system is still not up and running yet and to call back the next day. They are in violation of several responsible servicing rules and regulations as they can not provide detailed loan information to me, yet l am expected to make ontime payments.
Product: Credit card or prepaid card

Somebody opened a credit card in my name. I called ( per the instructions on the FTC website ) to resolve this matter and the Fraud Department refused to help me. They stated that I could not verify the correct information ( because I was calling to report fraud, someone fraudulently opened a card in my name ) and refused to help. I gave all my correct information, which would match my credit report or any background check and they proceeded to state I wasn't who I said I was and that the account didn't belong to me. After I was calling to cancel this credit card that was opened fradulently and sent to my parent 's address! And this was the companies fraud department!? The manager refused to help me as well. I first spoke with someone named " XXXX '' then the manager " XXXX ''. Both refused to give last names. " XXXX '' gave an employee # : XXXX.
Product: Mortgage

Our servicer Oceanside Mortgage migrated to a new payment system. I set up the XX/XX/XXXX payment manually due to the migration change. I additionally set up the bank information for automatic debit. 

For some reason, Oceanside did not process the auto payment information and did not take the XX/XX/XXXX and XX/XX/XXXX payment. When I discovered this in XX/XX/XXXX, I contacted Oceanside and discussed ways to make up the shortcoming.

We agreed upon three payments in XXXX XXXX XXXX and XXXX to rectify the balance issue then resume our regular payment. Payments are being made as scheduled. 

Oceanside is however continually contacting us and sending letters starting account is heading to foreclosure. We contacted them several times, they have acknowledged the payment arrangement but continue the mail email and phone calls. 

We want the harassment to stop and for them to honor their agreement
Product: Debt collection

Crown assett management llc XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   were notified by the State of Michigan on XX/XX/XXXX that they would be receiving XXXX for a debt of XXXX that they have no right to collect in the first place. That leaves a balance of XXXX dollars. However my paycheck was garnished on XX/XX/XXXX for an additiinal XXXX dollars stating a balance of XXXX dollars is due. Why?

Crown Asset received the XXXX dollars along with a possible XXXX dollars on XX/XX/2018 which is a total of XXXX dollars. At this point with more to come.

I have never signed a contract with Crown Assett management, I dont owe them anything. Yet the garnishment is still on my pay check as of today to continue. I called Crown Assett mgt on XX/XX/XXXX and XX/XX/2018. The answer I got is " it is a process ''. No one can tell me how long. In the meantime I have XXXX  children to feed, while Crown Assett was already notified of the XXXX  dollars they were GUARANTEED on XX/XX/XXXX. Crown Assett garnishes my paycheck for an amount that they are not owed. Why is my check garnished and will continue to be garnished when you took my state taxes already. This is an overpayment, unfair, and abusive. Crown asset knowingly took an overpayment after already getting XXXX  dollars. They should have only taken XXXX dollars at the most. Why is Crown Assett this incompetent to a simple calculation as of XX/XX/2018. Why is this company allowed to garnish a consumer twice.
Product: Checking or savings account

I applied for a XXXX account with this bank on XX/XX/year>. I received a message that they needed to review my application and would respond within 3-5 business days. So I found another bank to deposit my funds with and transferred them there. 

That same night, they withdrew {$25000.00} from my checking account without authorization. 

I reached out to the bank on XX/XX/year> and spoke to supervisor, XXXX, who told me I would need to file a chargeback with my bank in order to get my funds back. I asked XXXX for, but he was unable to provide any evidence that I gave permission for this transaction to take place - only an unsigned CD account agreement. City National dba XXXX XXXX XXXX would not return my funds without a recall request from my bank. My bank indicated that it would take upwards of 10 days for the investigation and for funds to be credited back to my account. My account is currently about $ XXXX negative, and I won't be able to pay my mortgage, and will be hit with numerous NSF fees as a direct result of XXXX XXXX  dba City National Bank.
Product: Debt collection

I paid the debt with the negotiable instrument that was sent to me in the mail from Mercedes Benz financial they refuse to except my payment, so I started a billing error and Mercedes-Benz financial did not respond to my billing error correctly they did not send any of the documents I requested
Product: Mortgage

Us Bank Home Mortgage, XXXX XXXX XXXX, XXXX, KY XXXX, is engaged in fraudulent practices when it comes to processing principal reduction payments. 
This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 
2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 
3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all the excess payments were applied to principal reduction but in reality, it just stays in their pocket w/o reducing my principal at all. 
As a result the above # 2, they are unfairly charging me more interest on my Home mortgage ( and keeping the received extra money with them as interest free loan ). 
This seems illegal to me and after every such incident call them and they reapply the payment to principal reduction. 
It seems illegal, unethical and fraudulent and may be impacting lots of unsuspecting people.
Product: Money transfer, virtual currency, or money service

The wire transfer happened on XX/XX/19 at XXXX. 

I had been on the phone with a person claiming to be a US Marshal with a name and badge number, as well as my case number. Long story short, this person took over three from XXXX saying that my social security number and identity were used to rent apartments in Texas where they found drugs and also to wire money internationally. So they said that they have to verify my own money and put them in federal custodial account while they prosecute these identity thieves. So they eventually got me to take a cab to First Republic bank in XXXX and wire transfer the money to a XXXX XXXX bank. As I was getting back home and trying to communicate with my husband ( I was told to not involve him, but he was freaking out knowing that something was wrong ), I began to realize I was being scammed. Immediately, I called First Republic at XXXX to recall the transfer and explained that I was being scammed as I was walking over to XXXX XXXX precinct. Now the bank is saying that they could not recover the funds. I don't understand how this is possible, as even if I transfer money from my account from one bank to another, it takes 4-5days to clear. Also, the security measures taken by the bank was  nonexistent, as I didn't even have my driver 's license with me or any photo identification at the time I went to the bank. Later, I was also told by another bank 's teller that not only they wouldn't do such transfer without photo identification, but also they wouldn't execute such transfer of large amount of money without my verification that I know the receiving person. I have been in contact and keeping in touch with people at First Republic bank, and they have been responsive but not helpful. If these international wire transfers are so instantaneous as First Republic says, then there must be more security measures taken including checking my photo ID. Also, I was there in completely shock state reading off the information of the XXXX XXXX bank, recipient name, account number, etc in spelling-letters fashion from papers that I had scrabbled these onto and when the banker asked me what the money was for, I couldn't answer him until I scrambled to find what I was told to say on the next page of the paper. All of these should have set some alert ... Something so that this kind of transfer can be stopped when I called less than four hours later.

Of note, I found out through US Marshal and FBI to email complaint to them, then later found out on website about FTC complaint that should be filed, then when I called to follow up, I was told be file IC3 complaint, all of which I have done and shared with First Republic -- again, they responded to my calls, but gave me no help with any  information regarding these complaint filings. Again, from another bank, I was also given information and instruction regarding identity theft and protection, but no one at First Republic gave me any information of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 
I went into the XXXX XXXX XXXX XXXX. I needed some verification sent to " Equifax ", to verify that I use my original birth name, and that I changed my name due to error of XXXX on original birth certificate. I had to put an " Security Fraud '', and Security Alert '', on all, '' Credit Files '', XXXX, XXXX, and Equifax Credit File '', after finding out about the " Security Breach '' with " Equifax ''. I'm also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first time I tried to fax over verification to Equifax Dispute Department, The following Documents were required : Social Security Card Drivers License Utility Bill On XX/XX/XXXX. 
All these documents were sent. By Branch Manager : XXXX XXXX, these Legal Documents sending the required information to Equifax, on Friday, XX/XX/XXXX 
However, when I called to follow up on my request to " Lift My Credit Freeze, I was told by Equifax that they needed additional information. 
I was not able to get back to the XXXX  Branch location on the bus, so I went to an different location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN. XXXX Not sure of the Member Services, XXXX Employee Name, because he stated that his location is on XXXX XXXX XXXX XXXX, This XXXX Employee, said he took my " Legal Document, that I received from Probate Court to the copy machine, I explained to him that I spoke to Equifax on XX/XX/, and that I spoke to them again on XX/XX/XXXX. 
Equifax is accepting an fax of " Legal Documents of original name and XXXX correction on original birth certificate, XXXX XXXX XXXX XXXX, The XXXX Employee, came back from copy/fax machine in the XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. He could not find the Legal Document, and that he emailed to his person that was scanned. I asked for an confirmation number that the fax was sent to " Equifax '', I was told that he is not giving me nothing! He can't find the, '' Legal Document Scaned '',, and that it's nothing can be done about it? I asked the XXXX Employee, want happen to the " Legal Document ", that was to be faxed too " Equifax ''!

I can not believe, refuse to accept that once an legal Document, is scanned that it just disappeared, and why would my legal Document go into someone's personal emails?

I'm very concerned, and I Pray that no one has stolen my " Inheritance '', that my Great Grandfather, Grandfather, Father left me has not been stolen!

Your Professional Input in this matter is Greatly Appreciated!

P.S. Not Sure What How This Could Be Happing Over, and Over with these Banks, and Credit Unions? It does not Sound Ethical! 

Thank You, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX-C/O Levy and Associates deliberately violated the Fair Debt Collection Practices Act ( FDCPA ) by not allowing me to protest the supposed debt that they are trying to collect. The very first time that I have heard about this Company is when they filed a lawsuit with the XXXX XXXX XXXX Court seeking a default judgement. This Company has currently XXXX consumer complaints filed by consumers to the Ohio Attorney General 's office due to their unlawful business practices.
Product: Debt collection

They have Continuously threatened to call my vendors and suppliers. Changed agreement amounts, tried to get me to send money to a personal account. Emailed me nonstop til XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tracking debt bondage, which falls under trafficking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX BAL. {$0.00}, XXXX XXXXXXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXXXXXX BAL. {$0.00}, XXXX XXXX BAL. {$570.00}, XXXX XXXXXXXX XXXX BAL. {$2800.00}
Product: Checking or savings account

I received several emails today from Wells Fargo thanking me for my application and welcoming me to their checking account service. I did not apply for a checking account. They used my social security number and birthdate and my personal email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Product: Credit card

I've always ensured that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I mailed TransUnion, XXXX, and XXXX about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.
Product: Checking or savings account

My pay date for direct deposit was scheduled for XX/XX/year>. It is now XX/XX/year>, and have not received my direct deposit from Capitol One. I Can not reach customer service due to high call volume. No est. time as to when I will receive my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is still reporting an UNVERIFIED ACCOUNT to my credit report. I contacted the creditor myself and they have responded on XX/XX/XXXX, stating they will be removing this UNVERIFIED ACCOUNT from my credit report. I DEMAND EXPERIAN REMOVE THIS ACCOUNT ASAP. 

UNVERIFIED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX ORIGINAL CREDITORS RESPONSE : Company responded on XX/XX/XXXX, In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to Experian & XXXX to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, XXXX XXXX AVP, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my rights to privacy and confidentiality under 15 USC 1681. Account name and number : 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 not sure of last 4 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

XXXX  has been non-compliant with removing the unverified account GMFNANCIAL Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Student loan

I pay for 2 loans through Great Lakes. One is a PLUS and the other a student loan under my son 's name. Recently I read a federal finding darting to XX/XX/2014 in which it explained then the practice of mis-recording payments to make it appear that the account was late. If that was not recognized by the person paying the account the loan could fall into default. 
This has happened to me throughout my payment process with Great Lakes. They have given me loan numbers to write on checks changing them a number of times. 
Last month I filed a complaint with Great Lakes but I feel it is of the utmost importance for you t have this knowledge.