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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Failure to Investigate and Address Disputes Comprehensive FCRA Violation To Whom It May Concern, This is a formal demand for the immediate investigation and correction of inaccuracies on my credit report, which your agency has failed to address in compliance with federal law. As cited in the CFPBs XX/XX/XXXX enforcement action, Equifax routinely violates the Fair Credit Reporting Act ( FCRA ) by : Failing to investigate consumer disputes adequately ; Ignoring supporting documentation provided by consumers ; Reinserting previously deleted errors without proper notification.

Failing to block identity theft-related inaccuracies ; and Sharing inaccurate credit scores and data with lenders.

Equifax has been found to rely on flawed processes and defective software, resulting in the misreporting of consumer data and credit scores, causing significant harm. These systemic failures have directly impacted my financial well-being.

Under 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into disputed information and provide a detailed report of your findings. However, your failure to uphold these duties not only violates federal law but also disregards the rights of consumers like myself. 
I demand the immediate correction of the following inaccurate information : 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  Failure to comply within 30 days will result in escalated complaints to the CFPB, FTC, and legal action to hold Equifax accountable. This matter is urgent and requires your prompt attention Sincerely, XXXX XXXX
Product: Debt collection

XXXX college sent me to collection with conserve for {$890.00}. Then they add their fee on that. They are saying it was for financial aid. I made too much money to qualify for any financial aid or pell grant. I was only able to take out sub and unsub loans through student loans using my SSN. I ended up dropping out of classes but My student loans are currently through XXXX and are on deferment. So I am trying to figure out how they are trying to make me pay back money that im already paying back anyway which is my student loans that are in deferment. I called conserve and they said they couldn't remove it from my report and that they have to dew what XXXX college tells them. So I emailed the business office at XXXX to ask about the debit and maybe settling on it if I actually infarct owe it and they said I would have to discuss settlements and payment with conserve. So I am being drug around in circles and its very frustrating.
Product: Mortgage

Previous lender ( XXXX ) offered mortgage rate reduction service for a fee % of outstanding balance with a maximum of {$1500.00}. I wanted to open my new mortgage with USAA because I liked them for banking however I would only switch if this service were offered. When I started the process of buying a new house this summer I confirmed with my USAA processor that USAA offered a similar service to that of my previous lender. Because of this I opened a loan with USAAIn XXXX of XX/XX/2014 seeing that rates dropped I contacted USAA mortgage department to reduce my rate. XXXX XXXX said that this was not a service which USAA offers but they could handle it through the loss mitigation department. I talked to several people in the loss mitigation department because I thought this was the wrong department. Every person I talked to said that loss mitigation was the correct department, even though I was not at risk of defaulting. They said I just had to fill out the paperwork and jump through the hoops and I would be able to reduce my rate. After submitting all the paperwork, on the final step of my processing, my loss mitigation processor XXXX told me that a loss mitigation was the incorrect service for my situation. He sent me to XXXX XXXX who I talked with and we decided the best solution would be for me to do a mortgage refinance and have USAA cover/offset some of the costs. I was forwarded to XXXX XXXX, of USAA Mortgage to handle this, who then sent me back to loss mitigation who then sent me back to XXXX at USAA Mortgage. Each department will not handle my rate reduction and says the other department is responsible. They will just send me back and forth with no resolution. 

This is very unethical because I was offered and purchased a service ( mortgage rate reduction for & lt ; {$1500.00} ) which USAA will now not provide. = XXXX
Product: Credit reporting or other personal consumer reports

i had an auto loan XXXX for a XXXX XXXX XXXX XXXX XXXX. vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but XXXX had already put the account in collections and refused to changed it.
Product: Debt collection

I spoke with the company on XX/XX/XXXX that I have never received a bill for the said amount that appeared on my credit file on XX/XX/XXXX from a balance due in XXXX of XXXX. The rep gave me the address that they sent the letter to which I have not lived in over 10 years. My current address has been updated with the post office for over 5 years for my current address. I am disputing this being reported on my credit file as the company never notified me that there is a balance due nor have a received any contact by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan and began XXXX XXXX for XXXX to begin a career in XXXX. We were expecting a child. My Girlfriend died due XXXX XXXX XXXX complications. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by Experian. ) Account name U S DEPT OF EDXXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from DriveTime, and the vehicle is a lemon. I have spent several thousand dollars in engine repairs, and the car is currently inoperable. The first repair was done in XX/XX/XXXX ( {$990.00} ), to repair a warped gasket because the engine was damaged. The vehicle is currently in the shop due to more engine issues and the costs are {$1900.00} to replace the engine. I have contacted the dealer and the finance company to try and have the vehicle replaced, but they keep referring me to the warranty company to have the vehicle repaired. I have a young child and I'm a healthcare professional, so transportation is important. I no longer feel safe driving the vehicle, even if it is repaired. I also spoke with XXXX, and they advised me to voluntarily repossess the vehicle... I feel as though DriveTime sold me this vehicle in a predatory fashion, taking advantage of my age and background. This is my first car and auto loan, I'm XXXX XXXX XXXX... So If i do that, it will harshly affect my credit and I may not be able to qualify for a car loan for years.
Product: Credit card

I have been a XXXX XXXX XXXX XXXX holder since 2004. I very recently moved. I updated my information on my credit card account online and also by phone. XXXX sent me a new XXXX XXXX XXXX XXXX to my new address. I activated it online. An email from XXXX confirmed that the card was activated. 
Unfortunately, each time I try to use the card, it is not accepted. 
Checking my account online confirmed my information is correct. My attempts to resolve the issue were not successful. 
Today, I paid the balance remaining from the old card ( {$24.00} ) at a XXXX store in person using the new credit card. The card was accepted for the purpose of making a payment. 
I called XXXX XXXX Services, and after another unsuccessful attempt to resolve the issue, I asked that my account be closed. The card services representative refused to close the account, refused to provide information about how to close the account, and further, repeatedly told me that the account could not be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one and XXXX accounts and credit reports and cards are delinquent and have been featured and used without my knowledge and it is affecting my credit score it was almost XXXX points until some charges were put on with out my knowledge I would like a fresh start and my credit report to be revised
Product: Checking or savings account

On the day of XX/XX/XXXX I went to the bank on XXXX XXXX. I spoke to a rep who can allow me access to my funds however I was denied and lied to about why I couldn't get access to my fund but I can gain access to a direct deposit form slip which left me wondering why should a manager from a bank refuse the rightful owner access to their account after verifying who I was not once but multiple times. Don't was the representation for this bank at this time and I'll be filling a a petition on behalf on the falsified misleading information and the denial of one 's account when I have rightfully verified who I was as a customer and an account holder.that same day I ent to another bank and was able to gain access to my account with out any issues but I was lied to by the representative at the bank I will be filing a petition and small claims for my funds that just came up missing over thousands dollars and was wrongfully denied and treated like XXXX after raising this attention.
Product: Debt collection

They allege I owe a debt on an account I never had... Anyone in XXXX or XXXX  NM can walk into XXXX XXXX XXXX and use anyones name.. They do not require ID. Where is some proof that i 1 used these services, and two owe this debt.. I have full coverage medical insurance with 0 copay.. If it was me walking into this hospital, my insurance would have covered the entire balance in full. If they continue to make this claim I will take legal action against them as this is fraudulent.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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: Mortgage

I applied with Chase to refinance my home mortgage currently with XXXX XXXX XXXX. My current mortgage originated in XXXX and was a 30 year fixed rate of 4 %. My monthly payment of {$1400.00} is paid automatically. I also had a car loan with XXXXXX/XX/XXXXwhich for {$470.00} which was paid in full on XX/XX/XXXX. So with the lower interest rates I wanted to refinance to a 15 year fixed. I worked with XXXX XXXX XXXX a home lending advisor with Chase. XXXX was informed of our finanacial situation details. In order to proceed XXXX requested that I pay {$500.00} good faith payment in order for Chase to proceed. We were told the {$500.00} would be refunded if the refinance did not got through as long as we were not the ones who decide not to proceed. On XX/XX/XXXX Chase would not proceed with the refinance due to our debt to income ratio being too high at 52 % and Chase required 42 % or less. The problem is that we have never been reimbursed the {$500.00} good faith payment. I've emailed XXXX several time and he has asked me to wait 10 - 15 business days and then again an additional 10 business days. Lately I have not received any responses to my email.
Product: Debt collection

I am trying to find out how I have medical bills in my name that I have never received a bill for and I would like to be shown proof of how these bills are mine and where they addressed the bills too I never received any bills because I did not make them. I want to see some type of proof that they have that identifies me making these bills when the dates on them do n't even account for me living in or around the area these bills claim I made.
Product: Credit card or prepaid card

XXXX made XXXX of XXXX Payments made XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XXXX charged XX/XX/XXXX XXXX XXXX charged XX/XX/XXXX XXXX XXXX XXXX interest on XXXX XXXX XXXX  interest on XXXX for XX/XX/XXXX XX/XX/XXXX balances XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minimum payment has been XXXX throughout. 
Was charged interest on balance in XXXX despite purchase being made 8 days earlier ( no grace period ). That interest charge was reversed after calling. Made a payment that more then covered the high interest balance. Payment was partly applied to high APR. Credit Card Act of 2009 as well as my billing statement says, All payments over the minimum for the account will be applied to highest interest rate unless a promotional balance is within two billing cycles of completion. My XXXX XXXX  expires in XXXX. Chase bank has refused to reverse the second interest charge or apply my over payment to my high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SERVICES XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 FIRST XXXX BANK XX/XX/2022 CAPITAL XXXX NA XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within XXXX days. I have included the necessary supporting documentation.
Product: Credit reporting or other personal consumer reports

Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ). Knowingly Transfers, or Used, without lawful authority, ameans of Identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am a victim of identity theft please block and remove these accounts immediately. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I have two issues with XXXX XXXX : 1. When their collectors call my number and ask for me, I confirm and verify that they are speaking with me. However, before giving me a mini-miranda they refuse to discuss the matter they are calling about until I " verify '' further information such as my address, date of birth and social. When I challenge them, they tell me this is required to verify they are speaking to the right person. I remind them that they called my number, asked for me, and I have affirmed they have the right person. That shoud be enough verification to continue with business. Forcing me to give private and sensitive information to continue the call is harassment and a violation of the FDCPA especially prior to any mini-miranda.

2. I have repeatedly disputed the debts in their office with the credit bureaus and with XXXX XXXX. They are unable to prove that I am legally responsible for any of these debts. They just reply with a form letter and a few statements. Nothing that proves I am contractually liable for this debt. 

I intend to file and FCRA and FDCPA suit against them in my local courts at my earliest conveince.
Product: Debt collection

PORTFOLIO RECOVERY  XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  has put a claim of {$340.00} on my credit but even though I have disputed it with them and have asked them to prove the debt they still do not remove it. I want to file a complaint against this co.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX  Balance Owed : {$57000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate 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 these violations.
Product: Credit card or prepaid card

COMENITYBANK/VICTORIASSECRET They all of a sudden closed my account and now it shows as a derogatory mark. I have worked extremely hard to get my credit to good and excellent. There was no reason to close me. I have not used the card in a few years and there has not been a balance so I don't understand why it was closed. No explanation, just closed. And now it goes against my credit ; this is not right.
Product: Mortgage

On XX/XX/2022 I submitted a request to have the PMI canceled on my mortgage. I have reason to believe that my XXXX on my home is such that I should no longer be required to pay this insurance. I was instructed by my servicing company, Newrez, that they would send me a request to cancel PMI application and that I would need to pay {$150.00} for a local agent to come and assess my home. I'm fine with that, however, it has been almost 3 weeks and I have not received the application. Every time I call they keep putting it off another week, etc. I have invested in excess of {$80000.00} into my home and I am quite certain that I should no longer be required to maintain PMI insurance.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX BANK ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE ACCOUNTS WAS VERIFIED AS ACCURATE. i ask how can this account be verified accurate with no proof of procedure of investigation and ALSO MY CONSENT WAS NEVER PERMITTED TO COMPANIES INVOLVED IN THIS DIPUTE TO FURNISH MY CREDIT PROFILE USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 18 USC 1341 FRAUDS AND SWINDLES ALSO THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I ASKED FOR A PROPER INVESTIGATION TO BE DONE, BUT THERE IS NO PROOF OF INVESTIGATION I DEMAND AS A FEDERALLY PROTECTED I DEMAND THIS ACCOUNT TO DELETED THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681c2 - Block of information resulting from identity theft 18 U.S. Code 1038 - False information and hoaxes
Product: Checking or savings account

On XX/XX/XXXX I received a text message from Chime Bank ( my bank account ) stating that my phone on record had been changed to XXXX XXXX XXXX ( not my phone number ) and my email address had also been changed to an unknown address. I tried to notify Chime but I had been locked out due to the phone number and email change. By the time I was able to rectify and gain access again, {$1200.00} had been used to an unknown purchase ( XXXX XXXX ) in that amount. I told the bank that I did not make that payment and had to file a dispute that was denied a few days later. Yesterday XX/XX/2022 I re filed the dispute with Chime and am waiting for a response. The money that was taken was my direct deposit from the XXXX XXXX XXXX XXXX XXXX XXXX  that had come in on that exact date XX/XX/2022 I'm XXXX XXXX XXXX XXXX and need that money to pay bills, buy food, buy XXXX presents and to XXXX  until my next direct deposit, which I will be sending to another bank account. The same thing occurred on XX/XX/XXXX to me and {$1000.00} was taken from my Chime XXXX XXXX account. That was refunded by Chime a few days later. I really expected Chime to realize that the XX/XX/2022 theft would also be refunded. My suspicion is that the person/persons who did this is a Chime employee because they knew exactly what date my direct deposits came in. I live XXXX  and nobody else in the world knows that but myself and a Chime employee. Please advise. Thanks