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

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX  is on my report twice still so they could not have been properly investigated as well as XXXX I do not believe was investigated properly.Nor do I believe my Barclays account was investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried using XXXX to get my free credit report from each agency. It only worked for one. Both Equifax and XXXX refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.
Product: Checking or savings account

On XXXX XXXX I call the Bank of America fault department to freeze my checking account because I found there are many unrecognized transaction that I found. The following day XXXX XXXX i went to Bank of America branch at XXXX, NY to report this incident, I've been successfully dispute most of the charges, however there are three counter withdrawn ( {$5000.00}, {$5000.00}, and {$9000.00} ) still under investigation, i was initially told they will refund it within 30 business days, then about a month later when i call check fault department they told me 30-45 business days, so i waited. Into the month of XXXX when I call again the customer service person told me it will take 60 business day. Finally when I call on again XXXX XXXX to confirm if fault department receive my email which sent on XXXX XXXX, in the end I was told the check fault will take 60-90 business days. To whom may concern ; please help me anyway you can.
Product: Vehicle loan or lease

Charged way to much with what the car is worth. And all the problems I have had with this car. They will not correct the issues at hand or let me out off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXXXXXX XXXX Balance : {$3500.00}
Product: Debt collection

Dear CAINE & WEINER I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Student loan

In XX/XX/, I retrieved a copy of my credit report. I noticed that the XXXX XXXX  XXXXNelnet was reflecting that I was 90, 120, and 120 days late respectively for the months of XXXX through XX/XX/. I immediately began the dispute process with the credit bureaus. The responses were that these accounts were verified as accurate. To that end, I reached out to the Office of Consumer Advocate for student loans ( see attached letter ). My primary concern is that for all of these accounts in XXXX of XX/XX/XXXX, I was ok with my payment history, yet in XX/XX/ ( 30 days later ), they reported that I was 90 days late. How so? 

In my communication to Nelnet, I specifically stated that I keep all of my records regarding student loans and I take full responsibility of my obligations ; however, I would like them to investigate their reporting for a mistake made on their end. Further, I requested that they provide me copies of all supporting documentation that substantiates the accuracy of their reporting. To date, to no avail. It has been well over 60 days from my initial request to them and I am yet to hear anything from them. I sent my dispute/request for investigation letter to them certified with a return receipt, yet I have not received any acknowledgement from them. The entries are not inaccurate and appear to be unverifiable given that I have not heard from them ; therefore, I am requesting that the status of my payment history reflect that I was ok and current for the months of XXXX, XXXX and XX/XX/.
Product: Mortgage

I originally entered into a 30 year fixed mortgage with XXXX in XXXX. In XX/XX/XXXX when the mortgage meltdown was starting I was talked into a XXXX  Loan that I was told I could get out by XXXX XXXX. It was a negative-am loan supposedly designed to help keep your home by just paying interest for awhile. When I realized this was a predatory loan and have not been able to get out of it I have decided to get some help. We all know what happened in XXXX and XXXX XXXXXXXX XXXX took over all the old XXXX loans and I thought they were supposed to help the people that were harmed by their loans to make it them right. In the past years they have changed servicers at least three times along with the interest rate which has been changed 5 times since I started my Chapter XXXX. 

I am almost ( 6 months left ) in a Chapter XXXX to be able to keep my home. In XX/XX/XXXX the newest servicer ... .Bayview Loan Servicing LLC XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXXXXXX , Fl . XXXX ... .files a Motion for Relief of Automatic Stay and I entered into a signed stipulation between their attorney, my attorney and the bankruptcy judge in which I could pay back the arrearages, work on getting a loan modification to avoid foreclosure and be able to keep my home. I was working with XXXX XXXX, Asset Manger for Bayview Loan Servicing ( XXXX XXXX ) ) XXXX instructed me that Bayview needed me to request an appraisal for my home and that the appraisal needed to be XXXX to XXXX XXXX dollars less that the projected {$530000.00}. He said the reason was that XXXX XXXXXXXX XXXX did not want me to be able to sell it and make money on it. I personally thought that was ridiculous. Then on XX/XX/XXXX I received a couple of threatening phone messages from Bayview ( XXXX XXXX ) telling me that I have a ton of money I need to come up with or they were going to start foreclosure proceedings. I tried calling him back and he again said I need to send him a large amount of money ( didn't give me an amount ) also that he had talked with my attorney and that my attorney said he couldn't do anything then he said he would call me back and hung up. It was very weird and scary to say the least. Harassment. I notified XXXX XXXX who has never returned my call and I notified my attorney who said he has never spoken with anyone from Bayview Loan Serving. 

I have a partner, XXXX XXXX that can verify all of the above. His contact number is XXXX. 

In closing I would like to say is that all I have ever wanted was to get out of this predatory negative-am loan and into a regular fixed loan. 
Any assistance in this matter would be sincerely appreciated. 

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

I sent in letters to the credit people they ignored my letters I dispute a couple things that was not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Checking or savings account

Capital one intentionally its blocking my checking account from enable external application.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX  XXXX
Product: Debt collection

I had no insurance and was XXXX and given pills I did n't need and forced to stay against my will then charged for it
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute # XXXX Again I disputed this item XXXX XXXXXXXX XXXX said they reinvestigated and everything came back factual I submitted another dispute proving there was an accurate information sent a picture with my address I actually live at and I typed in my exact address XXXX XXXX XXXX then they said they would change it all they did was change XXXX number and the address and it still shows up as XXXX XXXX XXXX XXXX Tennessee and they sent it back so now I'm disputing again which after the last time they've already made a violation against my rights for not doing the reinvestigation they said or they would have caught that my address was wrong then they said they would fix it and then put a different number so now I would like this removed no one has held them accountable for their violations I would also ask for their {$1000.00} fine as this has been holding me back from getting to my business that has been costing my family extra money and after months and months of trying to fix this I really hope someone can get this removed and protected the consumer rights like I was told was such a priority
Product: Credit card or prepaid card

I signed up for the Chase XXXX card in XX/XX/XXXX when the card was offering a " uncapped anniversary free night at any of their XXXX   hotels. '' On XX/XX/XXXX, they announced all customers would have their uncapped night limited to XXXX points and with a very resteictive list of hotels. They then backtracked a little and allowed said " customers who signed up from XX/XX/XXXX to XX/XX/XXXX will still get an uncapped anniversary free night their first year. '' That leaves all customers who still signed up for the offer ( who haven't had the chance to redeem the one year annivery night even once ), that can't redeem their uncapped and unrestricted night. I am a customer who did not get this option due to singing you " at the wrong time ''. I contacted phone support and they stated that all customers are being downgraded within the year, but that still allows most customers that are within the XX/XX/XXXXto XX/XX/XXXX window to use their free night. I feel like I've been ripped off. How come I don't get the first year unrestiected night like the people who signed up after XX/XX/XXXX? As of XX/XX/XXXX, anyone who signed up before XX/XX/XXXX falls under the conditions with the restricted night, even if they have no had the opportunity to claim a unrestricted Anniversary night. This is unfair to the consumer. I want this fixed. I want this to be fair. Be right like all normal credit card companies and grandfather in the customers for their first year, it's only fair.
Product: Credit reporting or other personal consumer reports

Multiple inquiries were made on my behalf without my consent, I have no idea how they ended up on my report. I'm entitled to fair and accurate repotting according to the fair credit reporting act. please help rectify this any way possible. 
Inquiries Listed : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly. 
Payment History and Errors TransUnion inaccurately continues to list a 30-day late payment in XXXX, even though previous disputes have not led to correction. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by TransUnion. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report. 
Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, D.C. XXXX Subject : Complaint Against Equifax for Inaccurate Reporting Under Section 607 ( b ) of the FCRA To Whom It May Concern, I am writing to formally lodge a complaint against Equifax regarding the inaccurate reporting of my credit information, which violates Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

I have recently received a communication from XXXX XXXX XXXX  confirming that they have updated my account information and reported it accurately to all credit reporting agencies. This correspondence, which I am attaching for your review, indicates that my XXXX XXXX account was closed on XX/XX/XXXX, and the security deposit was applied to clear the outstanding balance, resulting in a {$200.00} credit on the account. 

Despite this update, Equifax removed my account from the credit report between XX/XX/XXXX, and XX/XX/XXXX. As a result, my credit score improved by XXXX points, reflecting an accurate representation of my credit history. However, the repeated inaccuracies and the failure to report my information correctly have severely impacted my ability to obtain loans and other credit facilities. 

This situation is unacceptable. Consumers like myself rely on the accuracy of credit reporting agencies to make informed financial decisions, and when companies like Equifax fail to report accurate information, it creates significant barriers to obtaining credit. It is imperative that the CFPB takes action against Equifax for their negligence and lack of compliance with the FCRA. 

I urge the CFPB to investigate this matter thoroughly and hold Equifax accountable for their actions. It is crucial for all credit reporting agencies to provide accurate, fair, and complete information to consumers. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and the action that will be taken against Equifax to rectify this issue. 

Sincerely,
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. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX BANK XXXX Account XXXX has XXXX XXXX XXXX. Or a list of inquiries : XXXX XXXX XXXX section XXXX 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: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Regarding Lending Discrimination at TD Bank I am writing to bring to your attention a distressing matter regarding the discriminatory lending practices I experienced at TD Bank. As a customer of TD Bank, I recently applied for a loan and encountered what I believe to be discriminatory treatment based on race and gender. 

During the loan application process, I noticed disparities in the treatment I received compared to other applicants. These differences appear to be unjustified and rooted in discriminatory practices, which are not only unacceptable but also illegal under applicable laws and regulations. 

The experience left me deeply concerned about the integrity of TD Bank 's lending practices and the potential impact of such discrimination on customers. I believe in fair and equal treatment for all individuals, and any form of discrimination goes against these values. 

I kindly request a thorough investigation into this matter to address the discriminatory practices within the lending department at TD Bank. Furthermore, I urge the implementation of corrective measures to prevent such incidents in the future and to ensure that all customers are treated fairly and equally. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and equality.
Product: Checking or savings account

On XXXX XXXX I used my Ally debit card to make an online purchase with a merchant XXXX XXXX XXXXXXXX in the amount of {$270.00} via XXXX. My Ally card was charged {$270.00}. The order was shipped and delivered ahead of the original estimated delivery time and was delivered on XX/XX/2023 via XXXX. Unfortunately, the order was delivered to the wrong location and I did not receive anything. XXXX stated that since the merchant didnt request a signature they have the free will to leave packages where they want. They also marked the package as lost and advised me to request the shipper to file a claim. The merchant has failed to do so, and is unwilling to provide any assistance. They also stopped responding to my emails. In XXXX I decided to file a dispute with Ally Bank an allow them to take over and protect me as one of their consumers. I provided ample evidence to prove my case, the merchant failed to respond to Ally regarding the transaction and sadly Ally Bank denied my claim. They advised me to contact the merchant. Ally has failed to provide me any assistance, they have violated my rights as a consumer, they wont allow me to speak with anyone in the disputes department, ignored my secured messages Ive sent to them on their platform, and allowed a merchant to rip me off out of my money. A dispute shouldnt be denied because a merchant is flagrantly violating the terms of the agreement and/ignoring the banks request. It is illegal for a bank to handle a claim in such a manner.