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

The presence of these inquiries and accounts on my credit report violates XXXX ( b ) ( XXXX ) - ( XXXX ) and XXXX ( b ) ( XXXX ) which goes against thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo is saying our home is foreclosure but it was sold privately and not foreclosed on. We signed our title on XX/XX/XXXX the home buyer purchased the home on XX/XX/XXXX. Wells Fargo is claiming that it was foreclosed on XX/XX/XXXX but that is not accurate.
Product: Credit card or prepaid card

On XX/XX/2020 I added a new payment account and made a payment. I also made a payment XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I logged onto my banking website and realized the payments were not taken out. I then logged on to Chase 's website and noticed my account was closed and all three payments were returned. I immediately called Chase card services. While on the phone I noticed the new payment account was not available and was unable to re-add it, the Chase representative offered and stated he  successfully added the account and I could make a payment. I was then transferred to the lending team who informed me that due to my balance being close to the limit and the three returned payments my account was closed, but with a hard pull to my credit I could be considered for redemption. I stated that it was a mistake, and no one had reached out to me. The lending team representative then stated that they do notify their customers of returned payments on their mailed statements and that no error was made. It hadnt been 5 days since the returned payments, when I asked for a letter stating I was in good standing at the time of closure they refused. I feel this is unfair since I wasnt given the option to address the issue and this will now have a negative effect on my credit report that I have worked hard to improve.
Product: Credit reporting or other personal consumer reports

XXXX failed to properly investigate under the Fair Credit Reporting Act ( fcra ) leaving inaccurate or unverifiable accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions. 
15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX 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.
Product: Mortgage

Fidelity National Title is illegally holding on to {$4700.00} in property taxes by loan servicer paid XX/XX/2020 prior to closing on XX/XX/2020. IN additional they are illegally holding hostage an exorbitant " pad '' in the amount of {$4600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and anxiety that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX Inaccurate Account Reporting XXXX XXXX XXXX ( Account Number XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to cancel my credit reporting service online, but there is no such options. There is only a phone number. I tried calling this number for 3 days straight during business hour, and there was no representative talking to me. They effectively forced me to continue subscription because there is no channel for cancellation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT BRIDGECREST ACCOUNT # XXXX HAS VIOLATED MY RIGHT.

15

USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURSHISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIR CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPO
SE.
Product: Money transfer, virtual currency, or money service

I got scammed out of {$5000.00} in my account I tried to tell them that I was a victim of a scam and I was told that it would be handled and I would be refunded {$5000.00} but they closed my account and thats was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that Equifax ; transunion and experian actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!
Product: Debt collection

Companies switched companies and gave a stolen Id debt to the new company. the bureau validated " A debt '' without the consumer, which is me. Im particularly writing because of the Federal laws broken that i added to this file. this company is in violation of many laws and i am pursuing further actions because of so. As the consumer, i never gave written consent to post anything about me on my consumer report. which by law is considered theft 15Usc 1681 b - permissable purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my account thats not mine
Product: Debt collection

About two months ago I checked my credit report and noticed two accounts in collections. 

1 ) Midland Credit Management - Amount XXXX $ - Opened XXXX XX/XX/XXXX XXXX ) Midland Credit Management - Amount XXXX $ - Opened XXXX XX/XX/XXXX I disputed the accounts through XXXX XXXX and waited about one month to hear back but still the accounts showing are still in collections. 
On XXXX XX/XX/XXXX I was served documents at my residence by a XXXX XXXX XXXX XXXX The documents stated that I was being sued in small claims court by Midland Credit Management for the amount of XXXX XXXX My court date is XXXX XX/XX/XXXX. I contacted Midland Credit Management via phone call to explain to them that these accounts are not of my doing. But all they were saying is that I need to pay it or options of settling on a lower amount. They offered me the option of seeing the statements, so I said yes. The website they gave me to view the statements is www.midlandcredit.com and to access the statements you must type this number in. ( will not disclose the number unless it is asked of me ) On XXXX XXXX I contacted XXXX XXXX to see if they can offer an solutions to my situation and they told me to contact the CFPB.
Product: Checking or savings account

I filed CFPB complaint XXXX on XX/XX/2020. ( Capital One 360 internal complaint number may be XXXX, as that was the number included on their initial response. ) I received a partial response from the company on XX/XX/2020 ( which I have attached ), but they did not respond to the second part of my requested resolution on the original complaint : " 2 ) Once Capital One 360 has gone through the verification process with the customer who used my SSN, I would like them to inform me of the outcome : a ) whether the account was closed permanently, b ) whether the account was reopened with an updated/corrected SSN, or c ) whether the customer provided information that purports to verify the account using my SSN. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account WELLS FARGO BANK. I contacted the data furnisher and CRA requesting to review my account. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.
Product: Credit card or prepaid card

Due to the dramatic decrease in my credit score, a company closed my account due to the fear of my financial struggles. The card was paid off completely and did n't have any open credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company says I owe {$270.00} when I paid the account off. 
Called XXXX on XX/XX/2023. XXXX said it was paid off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations 604
Product: Mortgage

I have a HELOC with BBVA Compass Bank. This morning I phoned my branch to inquire as to why my automatic payment that was due on XXXX had not been taken out of my account. The person I spoke to could not answer my question and informed me that my branch did not have a manager. I called the main number to the bank and after being on hold for more than 20 minutes I spoke to a manager named XXXX # XXXX. He informed me that because I made a principle payment in XX/XX/XXXX, the bacnk takes that money and applies it to my XX/XX/XXXX payment and does not take out an automatic payment when one is due. That means that the bank continues to charge me interest for an additional month. In my opinion that is just plain stealing. I set this account up so that the payment would be taken out automatically and I could make additional payments when I could afford it. I have XXXX children in college and I work XXXX jobs just to try to stay ahead and then I find out that the bank is stealing from me and probabley XXXX other customers because no one told them how to avoid this issuer.
Product: Debt collection

Online Collection Services has six collections posted on my credit card with 5 accounts for the same amount of {$740.00} and 1 account in the amount of {$1400.00} totaling an amount of {$5100.00}. I have never received written notification of this debt nor recognize the company they are claiming to collect for ( XXXX XXXX XXXX  XXXX ) as XXXX did not yield any results. I will also need a copy of the contract that I signed to receive service from the company they are claiming to collect for as well as an itemized bill of service. According to HIPPA law, my medical information should be confidential and I dont understand how they would be able to produce this without my consent. 

This collection agency has not given me a chance to dispute the debt by not rightfully giving me written notice.
Product: Debt collection

Sometime in XXXX an XXXX Account was fraudulently opened under my name. 
I contacted CCS Collection Agency and provided all the information that they requested along with an identity theft report to their XXXX Fraud Department, unfortunately I continue to get the run around and claims of missing documents requested. 

I also submitted the same request to all three credit bureaus with success of the collection removed from XXXX XXXX and XXXX. XXXX  acknowledged and removed the address of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ma XXXX which happen to be the address XXXX is stating the service was rendered. Please help me with this issue. I'm trying to repair my credit ; also value and take my credit seriously. Thank you you very much. I appreciate all your help. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DONT KNOW WHAT ACCOUNT THIS IS I NEVER HEARD OF THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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