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

Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of information.

15 USC 1681s-2 : Failure to promptly correct and update inaccurate information.

15 USC 1681i ( 5 ) : Failure to properly investigate disputed information and provide resolution.

15 USC 1681c ( c ) : Reporting information beyond permissible time frames. 


I have made multiple attempts to resolve inaccuracies on my credit report directly with Equifax. I submitted disputes in writing. However, Equifax has failed to properly investigate my disputes or correct the inaccuracies. 

This behavior mirrors the issues outlined in the recent CFPB enforcement order titled " CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Report Errors. '' The CFPBs findings highlight systemic failures in XXXX dispute resolution process, which are consistent with my experience. 

The inaccuracies on my credit report are causing significant harm, including [ higher interest rates, denial of credit, etc. ]. I am requesting that the CFPB intervene and ensure Equifax complies with its legal obligations under the FCRA. 

inaccuracies on my credit report : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Thank you for your attention to this matter. I look forward to your assistance in resolving this issue
Product: Credit card or prepaid card

The bank chime I signed up for a credit builder soon as I signed up for credit builder they started transferring without my permission the money I was putting into my regular checking was automatically getting transferred to the credit builder to a secured account that only they can touch and not me and this went on until I caught it and they have not done nothing for me Im not giving my money back they stole my money there is Adjustments for no explanations and my money just gone it doesnt add up to the withdraws to the deposits nothing adds up Just negative results and my money is out of sight
Product: Credit card

I am trying to qualify for a loan and I need a copy of the most recent statement for my Synchrony Bank Amazon Prime Credit Card Account. The statement cutoff time was XX/XX/XXXX, and today is XX/XX/XXXX but this statement is not on their website. I called in and spoke to " XXXX '' who is in XXXX around XXXX Arizona XXXX on Saturday XX/XX/XXXX who said she would " put in the request '' to send me a copy of the most recent statement but they would not be able to mail out until XX/XX/XXXX. I need the statement right now. I have never received a paper statement from Synchrony Bank XXXX XXXX regarding their credit card account. I asked to speak to a supervisor, XXXX said ok one moment and she would transfer me. She put me on hold, and as I expected they would do, they hung up on me. I feel like Synchrony Bank ( which literally has a XXXX out of XXXX stars rating online ) is being obsure and opaque with sharing my own account information. They are reporting this information on my credit report but refusing to provide me ( or any customers ) with documentation regarding their credit card account. I believe this is in violation of Federal laws including the Truth in Lending Act, the CARD act of 2009 and the Fair Credit Reporting Act. I want Synchrony Bank Amazon Prime to send me my most recently immediately and not hang up on me or refuse to help me. They should not be allowed to have credit card business in the United States if they are not willing to comply with the laws that protect consumers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an investigation with XXXX XXXX as their seems to be an hard inquiry on me credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX  XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022. 
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX  account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXX XXXX  XXXX  continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX  XXXX XXXX  on multiple occasions and they continue to tell me that this will get resolved and it has not been.
Product: Debt collection

Had a XXXX in XXXX of XXXX. My next medical follow up with just my XXXX XXXX was in XXXX of XXXX. I logged onto Christus Health Website to pay my copay for that upcoming visit. That is when I noticed they had put an outstanding debt from the XXXX on my account for over $ XXXX. They claim I signed some from that I would pay out of pocket for the XXXX. Nobody disclosed anything about my paying out of pocket just in case Christus couldn't do their job, I signed a lot of forms in preparation for the XXXX. Christus filed the XXXX incorrectly with XXXX and now want me to pay because they didn't complete their medical billing properly. All other items that were related to the XXXX were covered and my insurance does cover this XXXX. The reason XXXX did not cover was due to whatever billing error from Christus. XXXX has stated that I am not responsible due to the billing error. However, now Christus is trying to put this in Collections and damage my credit score and reputation.
Product: Debt collection

My complaint # XXXX against Rushmore Loan Management LLP CLOSED/ RESPONSE FROM COMPANY The company deflected my direct and specified complaint that their affiliate XXXX XXXX XXXXXXXX XXXX XXXXXXXX have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

Defamations, intimidations and attempts to sanction a victim of financial crimes organized and facilitated by any licensed company is violations of FTC and shows systematic retaliation of " witness/victim '' who is protected by the CFPB efforts under financial crime laws, not to be downplayed by actors of fraudulent malpractices. 

Rushmore Loan Management LLP committed financial crimes and do not have any lawful authority to have dispersed any loans out of my property as sole owner, per orders and reports directly to their company that I have been verified to have been repeatedly victimized under identity theft, wire fraud crimes, that have been suppressed to protect perpetrator that has been unlawfully and fraudulently filed for " loans '' against property without any reasonable authority to do such. 

Rushmore Loan Management LLP has refused to follow protocols filed and refused to fund restitution as prescribed by orders filed by CFPB, XX/XX/22. 

In lieu of relief, Rushmore Loan Management has aided law firm with the suppression of loan documents, have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

I have supplied CFPB with threats directly from the parties involved and any threats, intimidation and retaliation to victim of loan fraud identity fraud scheme is directly contempt of CFPB orders, as consent and injunctive relief, plus stalling my restitution is obstructive of CFPB orders filed XX/XX/22. 

I have sought relief that CFPB and XXXX XXXX/RUSHMORE LOAN MANAGEMENT have denied with enthusiasm to harm victim after the fact and accessory after the fact. 

All motives to fraud must cease to direct violations of CFPB.
Product: Payday loan, title loan, or personal loan

I have a XXXX line of credit created to consolidation loans. Loan closed XX/XX/XXXX ; recision period ended on XX/XX/XXXX and pay off checks were issued XX/XX/XXXX by the bank overnight mail. XX/XX/XXXX all banks processed the check as expected, except Prosper Funding LLC. 

XX/XX/XXXX I called Prosper Funding to check on the status of these two loans I have ( 1 ) {$8900.00} at 09.29 % interest and ( 2 ) {$12000.00} for 16.84 % interest. I called ( XXXX ) XXXX line and asked about the payoff status. They could not tell me checks were received. They did tell me that if the checks were received, they will process the checks within 10-days. They process checks through XXXX since they are not a bank. They also told me they will charge me interest each day until the check is processed. 

I was shocked to hear that interest is charged to me until they decide to process the checks and not based on the day the check is received. I have worked for mortgage business for 23 years and started int he payoff department in XXXX. This is not normal banking practices.
Product: Credit card

Card was for medical use only and was closed due to insuffcient funds, however, the payments made went through bank account and posted to said account.
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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : 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 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

I can not link my capital one credit card to my XXXX XXXX account. They simply block the transaction so I cant share my information with a service like XXXX XXXX   really?
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a Chase XXXX XXXX credit card via the Chase website. 
I had been forwarded by the XXXX XXXX website to the Chase website to take advantage of the following offer for initiating a new credit card with Chase. 
The offer was : Earn {$250.00} statement credit and XXXX XXXX XXXX XXXX.It also stated Earn a {$250.00} statement credit after your first purchase. Plus, earn XXXX bonus miles after you spend {$2000.00} on purchases in the first three months your account is open. 
Today is XX/XX/2022, and having purchased the sum of {$2000.00} to satisfy the terms of the offer made to me, I contacted Chase Credit Card services to verify my purchase totals, and asked when and how my {$250.00} credit statement would be processed. 
The customer service representative stated that according to Chase, I was enrolled in a credit card offer of spend {$3000.00} and receive XXXX bonus miles within the 3 month period. The representative said they could not honor my original offer from Chase, even though I have documentation reflecting Chase 's offer and accepting my credit application. 
Now my {$2000.00} purchases entitle me to nothing as I not able to purchase up to Chase 's requirement of {$3000.00}. 
THIS APPEARS TO BE THE CLASSIC BAIT AND SWITCH TACTIC. 
Chase has earned $ $ $ revenue from merchants from my purchases. 

I want Chase to honor the conditions of my approved application and provide compensation for me having force Chase to honor their approval of the terms of my application. 

I am willing to provide supporting documentation which reflects the conditions of my application HOW MAY OTHERS CHASE APPLICANTS HAVE BEEN BAIT AND SWITCHED???
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by IC System, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by IC System , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand IC System, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX It has come to my attention that IC System, lacks authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Vehicle loan or lease

I purchased a new car back in XXXX of 2022. My credit score was about XXXX at the time of the loan. I was given a loan at a very high rate, almost XXXX, for a XXXX  XXXX XXXX XXXX. On more than one occasion, I requested Flagship credit acceptance to stop calling my job. i am behind on payments because my husband was in an accident, and they were informed. They call my cell phone almost every 10 mins, as well as calling my job and leave messages. My payments are due about he XXXX of the month, and they start calling on the XXXX and start harassing me.
Product: Credit reporting or other personal consumer reports

On or about the XXXX of XX/XX/2024, XXXX XXXX XXXXXXXX obtained a copy of my credit report. As reported by Experian, the score submitted to XXXX XXXX XXXXXXXX was XXXX. However during the time my report was obtained, the score which was reflected on my Experian Credit Report as visible to me was considerably higher. That score was XXXX. This possibly played a part and impacted my credit buying power.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate reporting of various student loans. I am currently paying my student loans to XXXX yet information that I am not aware of or familiar with the amounts listed yet showing up multiple times my credit report. 

Bureau Name XXXX XXXX Original Loan Amount {$5000.00} {$6000.00} {$3500.00} {$9700.00} {$4500.00} Bureau Name XXXX XXXX XXXX XXXX - These items need to be removed from the credit report Original Loan Amount {$8500.00} {$7600.00} {$5100.00} {$5200.00} {$6200.00} {$4100.00}
Product: Credit reporting or other personal consumer reports

Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/year> - XXXX XXXX - XXXX XX/XX/year> - XXXX - XXXX  Inquiry XX/XX/year> - XXXX XXXX XXXX XXXX ID Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX, XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/year> CITIBANK, XXXX XXXX This is a hard inquiry on XXXX that XXXX did not authorize XX/XX/year> THD/CBNA THD/CBNA, XXXX COURT SQUARE, LONG ISLAND CITY, NY XXXX This is a hard inquiry on XXXX that I did not authorize XXXX XXXX, XXXX  CITIBANK NA, XXXX CITIBANK NA XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NY XXXX These are soft inquiries I did not authorize. I called rent-a-center and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year> XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$17000.00} Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXXXXXX XXXX, XXXX # XXXX : Balance : {$5500.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$4900.00} Account Name : XXXX XXXX XXXX # XXXX Unauthorized 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 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

The FCRA states that it is TRANSUNION 's duty to report correct and accurate information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include 120 days past due on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payment results in TRANSUNION violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give TRANSUNION written instruction/ permission to furnish these late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is CRYSTAL clear that TRANSUNION has violated my rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

In reviewing the attached credit bureau report issued by your agency, I have discovered an mistake. The following ITEMS are reported inaccurately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am being paid as a contractor through XXXX  and sent an international transfer using Wise app XXXX XXXX XXXX 

- On XX/XX/year> - I transferred {$10000.00} dollars to the XXXX XXXX  currency account of Wise.com - The transaction shows as 'completed ' on XXXX but has never arrived in the Wise account. 
XXXX Wise confirmed that the bank account it was sent to is owned by them. 
- Wise tell me they have no visibility on this transaction, despite me providing multiple tracking documents, a trace XXXX XXXX XXXX XXXXXXXX form and additional information. 
- I contacted the 'intermediary bank ' that XXXX  use ( XXXX XXXX XXXX and they confirmed that the responsibility on this matter sits with the remitting bank ( XXXX  )- It is XX/XX/XXXX and I need this money to pay my rent and taxes. I don't know what else to XXXX XXXX XXXX  tried to close my support claim and also told me the funds were 'missing " Please help me.
Product: Prepaid card

I have a prepaid XXXX XXXX that is supposed to have {$100.00} loaded onto it. When I go to the website ( XXXX ) and enter the card number and security code on the back, it's not recognized. I tried to submit a complaint through the website and entered all the info it asked for, including the bar code on the back. When I hit submit, it once again says not recognized and the website will not accept my information. I have tried to call the help number on the back of the card ( XXXX ) numerous times and been on hold for long periods of time and no one ever answers. 

I have already used a couple of the same gift cards from the same gift giver, and they worked. For some reason this particular card will not go through and gives an error message. The back of the card says funds never expire. The front does list an exp date of XX/XX/year>, so I am still within the expiration date for that.