23daVinci/CFPB_Complaints huggingface dataset:
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 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. 16811, 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 CFPB 's recent administrative proceeding ( File No. 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: Checking or savings account

Hello, today I spoke an agent via 5th 3rd bank 's chat service inquiring about getting all previous fees charged at {$37.00} each removed dating from XX/XX/2020 till now totaling {$300.00}. I was advised that they were only refunding two fees which was done and no more per the banking policy. I explained that as a long term customer I am aware the fee removal is normally 2, however with the pandemic and the aftermath these are not at all normal circumstances. Basically I was disregarded and told there was nothing further to be done, so I asked for upper management 's assistance and my contact information was taken. I feel it's horrendous the way this financial institution has accessed fee on top of fees taking advantage of this situation as if this is normal times for people. I've not left my account in an overdrawn status for longer than 4 days you all could have at least extended the time to give people a fair opportunity to bring it current that way you all were at least doing something more than your " normal practices '' while people gather themselves during this time.

Just for reference, below is the explanation and response I sent to the agent as well : " I really hate to bother you all but as you know this pandemic has been putting a strain on a lot of people. Gratefully I just finally got a better paying job so I don't have to be concerned with these fees. However it's putting a heavier strain on me with me catching up on everything. Could you all please waive all fees accessed? '' after being told nothing they could do my response was : " Listen I can understand that under normal circumstances, however you all are fully aware that the nation is not running operating under normal circumstances with the aftermath to the pandemic. So if you can't help, I'd like to be escalated '' I find it very unfortunate that 5th 3rd Bank isn't doing much of anything to help their clients during this time, however hopefully they will implement something efficient to help those that have helped them.
Product: Credit card or prepaid card

HSBC has created a burdensome and layered system to access your account and make electronic payments. It requires a paper form to establish an automatic payment and it requires pre-established pin to access your online account. 

I attempted to request a temporary access and I was a 20 number temporary username. 

These steps and requirements are said to be placed for security reasons but further insight into these practice can show an attempt to lock out older or less engaged account users.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed eastern account services with XXXX  this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Transunion consumer report that listed a balance with XXXX XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. See Attached. This account should reflect as paid in full.
Product: Debt collection

Wells Fargo Dealer Finance called my phone three times after speaking with my wife and verifying a payment had already been made. There were four total calls to my phone starting at XXXX XXXX, another at XXXX, then two within 30 minutes of each other at XXXX and XXXX. I advised them again that my wife spoke to them earlier in the day and they said, " Ok, have a good day. '' Only to call back the last time at XXXX. This is harrassment in the most basic form. This practice is more than harrassment, as there were three calls in an hour with the account having over five total calls in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and XXXX filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Experian on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? Im furious and need answers now!
Product: Credit card or prepaid card

I contacted Capital One towards the beginning of XXXX when I lost my credit card. They told me that would send out a new card and that I should receive it within 5-7 days. Two weeks later I realized the card never came and wondered what was wrong. SO I called back and they said that one was sent out and that we should've gotten it by now. I asked for a new one to be sent out and if one could be sent Next day ( and that id pay for the shipping ) or via XXXX so that tracking could be given. They said it was not possible. I made a complaint at the Post Office with my post master and they said they would look into it for me, to no avail in finding the lost letter. I called Capital One again on the XXXX to see why I had no received the 2nd card that was sent out and the rep told me that I should have it either the XXXX or the XXXX at the latest. After checking the mail yesterday my husband insisted I call Capital One again but I said lets wait. We check today and no card so I called them again. The rep said that no card was ever sent out previously but that they sent one out yesterday, the XXXX. meaning for the entire month they lied about sending out a replacement card yet expected me to make payments on time. I asked for a supervisor and she only apologized but gave no reason to why they lied and said I would have to wait possibly another week to see IF a replacement card came. I NEED HELP BECAUSE THEY KEEP LYING AND I HAVE NO OTHER WAY TO RESOLVE THIS!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XX/XX/year> are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
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. 
Potential Violation of the 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.

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

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 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. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XX/XX/year> High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence of Errors : Auto-Pay Enrollment : I have been enrolled in autopay, ensuring all payments were made on time.

Discrepancy in Reporting : Equifax incorrectly reports 30-day, 60-day, and 60-day late payments for XXXX, XXXX, and XX/XX/year>, respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request.

Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Wells Fargo secured credit card account # XXXX I was always pay on time, then fraudulent activity appeared and I discuss that with Wells Fargo but it was ignored and never resolved.
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 Account # 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

Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard Inquiries : 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 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 These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get Experian, XXXX and XXXX to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX  XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED
Product: Credit card

When using the autopay option, Chase only allows me to pay either the full amount due on my card or the minimum due each month. I am trying to pay off the card, and by refusing to let me pay more than the minimum due each month using the autopay system, I feel Chase is forcing me to pay more interest than I should. Please require Chase to offer more autopay options. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I received an unexpected US Bank Reliacard on XX/XX/XXXX. The accompanying information said " Colorado Department of Labor and Employment ( CDLE ) automatically issues a Reliacard to every claimant who files for and is approved to receive unemployment benefits. '' I am retired and have not filed for unemployment. 

My first action was to contact US Bank 's Cardholder Services at  XXXX. After 30 minutes on hold, XXXX informed me I had the wrong department and transferred me to XXXX who told me I had the wrong department and she transferred me again. After 45 minutes on hold I gave up! 

I called the CDLE on XX/XX/XXXX and was informed by XXXX a claim for unemployment had been submitted in my name but that no payments had been made and the claim was locked. He also said he is seeing many of these cases.
Product: Credit card

I have been attempting to resolve an issue with Barclays Bank since XX/XX/year>, regarding difficulties with updating my phone number and verbal password. Unfortunately, I have encountered repeated challenges with the customer service representatives, who have either been unable to assist or have transferred me multiple times without resolution. In some instances, the calls have even been disconnected after prolonged periods of waiting. 

Despite assurances that there was no issue with my credit card, I have repeatedly experienced declined transactions despite having an available balance of over {$400.00}. After several attempts to resolve this matter today, I spoke with XXXX, who was unable to assist and transferred me again, even after I expressed my intention to report her for not addressing my concerns. Eventually, I was connected with XXXX, a XXXX, who informed me that my case is currently under review by the Executive Office. However, I have yet to receive any communication from them, and he was unable to provide clarity on why my card continues to be declined. 

I have made numerous attempts to contact Barclays via phone and email over the past week, but the issue remains unresolved. I respectfully request a prompt and thorough investigation into this matter, as it has caused significant inconvenience. If the XXXX XXXX is indeed reviewing my case, I would appreciate an update on the status and a clear explanation of the reasons behind the ongoing issues with my account.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I financed a XXXX XXXXXXXX XXXX with XXXX from iStellantis financial. I was over charged for the vehicle at {$30000.00}. 
In XXXX of XXXX I contacted Stellantis to advise them of an unfortunate employment deficit that was facing in which I was looking to reduce monthly payment or defer the loan in which I was told I either make the payment or the car would be repossed. 
From that moment I made payments in small increment as my money would allow how ever on XXXX my car was repossessed. Stellantis received a XXXX payment from more gap insurance in which they never recorded to my account. On my credit report it reflect that I owe over {$29000.00} for car loan. After seeing that the balance was not changing on my report after over 6 months I called Stellantis and was verbally told that my vehicle was sold and o currently owe {$14000.00}. While I dont want to admit to owing a balancing that Im not sure how the determined, I am also dealing with Stellantis refusing to send me written document of balances owed and explanation of said balances, and they have also refused to update the balance on my credit report. When speaking to employees on the phone I keep getting directed to the same person who is gas lighting me and making fun of my financial struggle as if trying rectify this situation. I have received the run around for mouth when trying to get clarity and I feel like Im being bullied and tormented. I was told by the finance manager that no one told me to get a car I couldnt afford and he doesnt have to help me figure out my balance.
Product: Debt collection

Southwest Recovery Services , Inc. placed an unknown collection account on my credit reports in the XXXX half of XXXX ( first appeared on or around XXXX, XXXX, or XXXX of XXXX ). I do not know what this collection is for and Southwest Recovery Services never contacted me about the debt. The debt is listed with an original creditor, XXXX XXXX XXXX, that I do not know of nor have I done business with ever before. The original creditor did not contact me either. The collection debt was disputed with the 3 credit bureaus to validate the debt. The first dispute occurred in early XXXX. XXXX and XXXX  each removed the collection immediately. XXXX  did not remove the data, and it still appears as a collection on my XXXX Credit Report. The collection was subsequently disputed again with XXXX, and I do not believe they investigated it. This collection is listed with an account number ending in XXXX with an amount due of {$130.00}. This debt/collection is not mine and I was never contacted by the debt collector with any information. It simply appeared on my credit report. Even though the amount is trivial, I want this inaccurate information removed from my credit report. 

This complaint is the first of two complaints about Southwest Recovery Services , Inc. for two accounts showing as " Collections '' on my XXXX credit report. Please note that my complaints are identical in nature. XXXX and XXXX removed both accounts when disputed with those bureaus.
Product: Mortgage

On XX/XX/2020 new buyers were closing on my the house I had just sold and I spent the first night in a hotel because the closing date on my new home purchase XXXX XXXX. I worked with XXXX XXXX from Loan Depot through XXXX XXXX XXXX and XXXX XXXX from Loan Depot for Ct. I was mentally prepared financially to spend money from XX/XX/XXXX to XX/XX/XXXX but I wasn't prepared to stay in a hotel until the XXXX. I was suppose to have a government funded loan but I was decline not knowing the reason and had to have a conventual loan. I ended up paying a total of XXXX for spending 2 months in a hotel. I was only suppose to pay XXXX closing on this new house but then was told that I now had to put money down which was XXXX so that was a total of XXXX that I was not prepared for. Here I have this new house and can't afford to buy new things for it. XXXX XXXX had offered for me to stay at his place during this time which I found to be unprofessional and he also offered his XXXX commission her made on the closing but he wanted to meet for dinner. And still haven't received that money. A young lady an underwriter was terminated because she didn't get the paperwork sent out in a timely manner. The communication from the two of them was horrible I have numerous emails from my real estate agent asking for communication and we had to have several extensions with the sellers agent.