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

My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX  store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted XXXX who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with the managers there as well as had a conversation with a XXXXXXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manageXXXX who never got back to me. 
Efforts with XXXX XXXX  were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXPhone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my credit history. 

Issues Identified : 1. Confusing Comments : EquifaxXXXX report includes the following statements : " Consumer disputes reinvestigation in progress. '' " Account closed by credit grantor. '' These comments differ significantly from the ones reported by XXXX and XXXX, which provide entirely different information about the account status. 

2. Inconsistent Payment History with Blank Spaces : The payment history reported by Equifax includes : XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ). 
Blank spaces in XX/XX/XXXX and XX/XX/XXXX. 
Other months are marked as " XXXX '' This history contradicts : XXXX completely blank payment history. 
XXXX report, which shows a " XXXX XXXX '' designation in XX/XX/XXXX. 

3. Inconsistent Dates : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX These dates are inconsistent with those reported by XXXX and XXXX, further reflecting a lack of reliability in the information provided by Equifax. 

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : Equifax has failed to ensure the accuracy and completeness of the reported data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information, such as the contradictory payment history and blank spaces, has not been removed as required by law.

3. 15 U.S.C. 1681c : Incomplete data, such as blank spaces in the payment history, should not remain on my credit report.
Product: Debt collection

Was notified on XX/XX/year> about a collections account with Hollis Cobb Associates. I am not aware of where they got ahold of the account. I am not associated with the company that send them the account, I do not recognize the balance or when the charge was made.
Product: Credit reporting

hi im XXXX i have a loan with M & T BANK las year XX/XX/2016 the bank said i did not pay my real state property taxes with i did directly to the XXXX city real state tax property department but they insist i did not and they add my real state property taxes as a scrow taxes & insurance so i paid the bank againg because the put me on the credit report agency as a delincuet payment i call them on XX/XX/XXXX and they said they did an invetigation and they found out that i pay the taxes to XXXX real state departemnt so they said i was right now everything its clear but they said i have to contac the credit report borou a fill a complaint to be removed from the bad credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX   Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX  Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Dear XXXX Representative Re : Dispute of Bankruptcy on My Credit Report I am writing to dispute the bankruptcy listed on my credit report. The information is inaccurate because the bankruptcy was dismissed. 

The details of the disputed bankruptcy are as follows : - Account Name : Bankruptcy chapter XXXX - Account Number : XXXX - Date of Bankruptcy : XXXX XXXX - Court Name : United States Bankruptcy XXXX for XXXX XXXX XXXX XXXX New York - Case Number : XXXX - Dismissal Date : XXXX XXXX I request that you investigate this dispute and correct the inaccurate information on my credit report. Please update my credit report to reflect that the bankruptcy was dismissed and remove any negative marks associated with the bankruptcy. 

I have attached a copy of the court order dismissing the bankruptcy, as well as any other relevant documentation. Please review this documentation and take the necessary steps to correct my credit report. 

Thank you for your prompt attention to this matter. I look forward to a resolution within the next 30 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Someone in Arizona is using my social security number to open bank accounts. Sorry if this is not the correct place to report, the FTC website is very confusing and sends me here. I work in XXXX so I'm not computer illiterate, the website just needs a big button labeled " Report Identity Theft ''. Thanks!
Product: Credit reporting or other personal consumer reports

* '' On XX/XX/year>, I filed a valid dispute with Equifax regarding several accounts incorrectly reported on my credit report. Equifax incorrectly classified my dispute as 'frivolous ' without providing a clear justification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 3 ). I subsequently resubmitted the dispute, detailing the specific issues with each account in question. Despite this, Equifax refused to conduct a reasonable investigation, as required by FCRA 611 ( a ) ( 1 ) ( A ).

Additionally, it is pertinent to note that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes, ignoring evidence provided by consumers, and allowing previously corrected errors to reappear on credit reports. This penalty underscores a pattern of conduct " Negligent on the part of Equifax in handling consumer disputes. 

This lack of action by Equifax has caused significant damage to my credit, affecting my ability to obtain financing on fair terms. Equifax continues to report unverified information on my credit report, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), as data furnishers have an obligation to update and correct inaccurate information. " *
Product: Debt collection

Please refer to CFPB case # XXXX filed on XX/XX/XXXX Answer received on XX/XX/XXXX be XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints, Bank of America .

The answer is missing on the HELOC loan ending in XXXX : Customer would like answers to these 8 specfic points. 

1. Regular payments were made from XX/XX/XXXX through XX/XX/XXXX. The last payment made was on XX/XX/XXXX. The uninterrupted total interest payment made on the note during these 4 years was {$95000.00}. Please confirm this amount. 

2. Notice of Intent to accelerate dated XX/XX/XXXX provided curing date of XX/XX/XXXX in the amount of {$27000.00}. Please confirm. 

3. The same letter dated XX/XX/XXXX paragraph 4 also stated If the default is not cured on or before XX/XX/XXXX, the mortgage payments will be accelerated with the full amount remaining accelerated and become due and payable in full, and foreclosure proceedings will be initiated at that time. Please concur that this is true. 

4. Since default was not cured and we were past the due date of XX/XX/XXXX, please confirm that this letter was also a valid demand and Intent to Accelerate of all sums due under the note. This is BOA obligation to answer. 

5. Prior to sending the letter of intent to accelerate until the loan was assigned to the servicer on XX/XX/XXXX Bank of America sent several threatening notices of default and foreclosure. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX ). Please state the real reason why intimidation tactics were used and no foreclosure was commenced. This is BOA obligation to answer. 

6. Please provide the interest rate, accrued interest and fees history on the note covering the nonpayment period of 2 years i.e. from XX/XX/XXXX through XX/XX/XXXX before the note was assigned to the servicer on XX/XX/XXXX. BOA has obligation to provide this interest rate, accrual interest and fees history. 

7. Please provide the copies of the certification of the original Countrywide HELOC note which contains original signatures of the certifying entity, the original seal and the notary signature. BOA has obligation to provide the requested copies before foreclosure can be commenced. 

8. Customer will proceed to the next level of CFPB and will get intervention of Federal Trade Commission if BOA fails to provide the requested information. 

Thank you. 

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

On XX/XX/XXXX  I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Credit card

Applied for Apple Card XXXX Goldman Sachs denied card on basis of late payments on XXXX credit report. I downloaded credit report and there are no late payments in the report.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant financial issues with platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed me that resolving these lost funds was impossible and that these transactions was not possible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit card or prepaid card

XXXX XXXX apple card ( mastercard ) offered to allow customers to skip XXXX payment if the enrolled in customer assistance program, I enrolled and got a message a few days later that said I made a offline payment to them, upon further investigation I discovered they took my entire cash rewards balance. I immediately contacted customer service and complained and received an email acknowledging I was enrolled In customer assistance program and they returned the money from my cash rewards, yesterday while closing the card they told me my cash awards account balance was XXXX
Product: Mortgage

Loan Modification process was initiated with my loan servicer, Mr. Cooper ( formerly Nationstar ). On XX/XX/year>, I called to make sure the Loan Modification was active and in process. During the approximately one-hour telephone call ( on a recorded line ) complete information was provided to Mr.Cooper which was necessary for me to enter into their Loss-Mitigation Hardship program with me providing all the vital information as per their request. I was behind in my mortgage payments, have always maintained frequent contact with the loan servicer, and Mr. Cooper had assured me they wanted to work out a solution to keep my home. I was concerned about a recent letter from a law firm, ( XXXX, XXXX, XXXX, XXXX in XXXX, Florida ) motioning for Final Judgement of Foreclosure, a total shock to me! The representative told me to ignore the letter, that sometimes attorneys for the lender " try to scare people into paying up to make the account current. '' I called and left messages with the law firm to no avail. On XX/XX/year>, a Judgement of Foreclosure was made on my home.This was a clear case of Dual-Tracking on the part of Mr.Cooper XXXX XXXX XXXX  and XXXX XXXX XXXX I want to stop any foreclosure sale and right the wrong committed against me. Thank you. XXXX, XX/XX/year>
Product: Debt collection

during the pandemic i lost my job as a XXXX due to covid-19 i let my apartment office know they manager at the time said he understand and to vacant the apartment and turn in keys we will go ahead send paper work to office as i did and then a couple of months later i found out i had a collection due to me loosing my job because of covid-19 which makes no sense those was out of my hand and i didn't want this to result in a eviction because after after thing was done i wanted to rent again with the apartment complex
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I was checking my credit report and seen a substantial decrease in my credit score and saw that it was from a medical bill put into collections by FIDELITY PROPERTIES IN for {$6700.00}, the account was open as of XX/XX/XXXXXXXX  and past due as of XX/XX/XXXX, but I had no notice of it. Nothing was sent in the mail and I tried to get in contact with them with no luck.
Product: Debt collection

Robo calls to a cell phone. 
XXXX @ XXXX XXXX @ XXXX and XXXX XXXX @ XXXX XXXX @ XXXX and XXXX I attempted to answer the phone multiple times, however it was a robo call from Sychrony Bank. I finally was able to talk with a Rep and tried to explain robo calls were not allowed to use in contacting WA state consumers and they would need to send me information by mail or be on the line when I picked up. He stated that there are no restrictions on robo dialers and to send them the RCWs. I stated they needed to know the laws and concluded the conversation. Obviously they are using the robo callers in violation of both WA State law ( each violation is {$500.00} ) and the TCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX states on my credit report that this account has been charged off. I never received a 1099-C. Being that the they already filed my account as a charge off on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate XXXX XXXX and take appropriate action to address this matter.
Product: Debt collection

On XX/XX/XXXX a XXXX XXXX was added to my XXXX XXXX Report in the amount of {$790.00}. I never received a letter or phone call in reference to this debt. On XX/XX/XXXX i sent a Certified letter to XXXX and National Recovery Agen About the No Surprise Act. Both companies received the letters on XX/XX/XXXX. The Investigation was verified on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : Whom it may Concern, This account listed below is a complete VIOLATION of the NO SURPRISE ACT, DLELETE The listed account below immediately from my Credit Report.

National Recovery Agen Original Creditor : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back.
Product: Debt collection

I am attaching proof that i filed a complaint with the florida office of financial regulation-division of consumer finance. The company XXXX XXXX, XXXX, is a company that isn't licensed to collect in the state of Florida, I verified the license thru the Florida website and this company name or any variation of the spelling is not listed at all. I even called that same office and asked them to verify that was search for that company license was correctly done. I was informed by the rep that my search was done correctly and they did not show that company not having a license. They also informed me that Northland group put in for a name change, to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Norhtland Group informing me that I owe a debt and need to work out a settllement. My complaint is 1 ) they are not licensed to collect in the state of Florida as XXXX XXXX, XXXX which is who contacted me in writing, and 2 ) they are issuing Fraudulent allegations, stating that I owe XXXX XXXX, XXXX, and they aren't even operating under their correct name. This is clearly a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the XXXX breach. 

I have TWO valid inquires. XXXX of XXXX and XXXX investors. THATS IT OVER THE PAST YEAR
Product: Mortgage

I called Pennymac today ( XX/XX/13 ) and I asked about doing a three months forbearance due to financial hardship and they told me to just borrow money from friends and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 told the XXXX, Transunion, to reinvestigate these accounts : Account name : Office of attorney Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case