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

I am filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. Furthermore, equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 u.s.c 5536 ( a ) ( 1 ) - ( b ). As highlights in the CFPBs recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I am writing to address a significant error on my credit report resulting from incorrect reporting dates on accounts with the banks mentioned. Due to an error by the bank in sending statements to the wrong address, I experienced late payments that were not accurate. The bank has acknowledged the mistake, and I urge you to promptly update my credit report to accurately reflect that the accounts were never late, ensuring the correction of this error that adversely affects my credit standing. Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

LVNV funding is continuing to respond with every complaint with a credit card statement from the original creditor. 

This company is continuing to report to the credit bureaus as a factoring company, however a factoring company purchases debts that are in good standing and holds them while collecting payments. This company is not my original creditor and therefore does not have the right to report as a factoring company on my report. Also please send me the customer agreement that contains the arbitration clause by the credit card company that this debt was purchased from. This company is not immune from the arbitration agreement and I will be bringing this matter to arbitration via XXXX  in which this collection company would have to pay all my fees and other fees associated with the arbitration. I need you to produce the arbitration agreement clause with my name on it from the original creditor
Product: Debt collection

My name is XXXX XXXX a federally protected Consumer and Iam making this complaint against I.C. System  for committing identity theft. I have never given I.C.System any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignment of the defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC subsection 1692 e ( 12 ). I have not validated any alleged debt with I.C.System of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving I.C.System any right to collect on this alleged debt. I have never received a documentation requesting validation from I.C.System, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt on my Consumer report, including not limited to 15 USC 1692 d ( 4 ). Which the FTC defines as debt parking. If I.C. System can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the Consumer, prior to furnishing it on my Consumer Report, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my Financial Reputation. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed my legal birth name and added a different name causing my report to no longer display my credit information.
Product: Credit reporting or other personal consumer reports

I did a see your rate pre qualification application with XXXX XXXX. They made me offer. I did not accept the offer. No hard pull should have been done. XXXX XXXX states they will confirm the error once contacted.
Product: Bank account or service

My account was recently involved in a breach of Scottrade Bank 's security systems. In total XXXX Million+ customers were effected. 

I have asked Scottrade numerous times to provide explanation on what data was breached, however, Scottrade refuses to respond. 

Personally, I am closing my account with Scottrade and will not trust them with any personal information again. Every time I call, I get a rude customer support agent who sends me in circles going back and forth between departments and promising to follow up at a later point in time but never accomplishing anything.
Product: Checking or savings account

I opened my Citi checking account with the following offer in XXXX in my local XXXX branch : To qualify for a {$400.00} cash bonus, open a new consumer checking account in The Citibank Account Package by XX/XX/XXXX. 
Within 30 days from the date you opened your new checking account, deposit {$15000.00} or more in new-to-Citibank funds into your new checking account or new or existing Citibank Savings Plus account. 
A minimum balance of {$15000.00} is required to be maintained in the new checking account or new or existing Citibank Savings Plus Account, for 30 consecutive calendar days following the date you made your qualifying deposit. 
The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 

I fulfilled all the requirement but did not see the bonus posted. I contacted my local branch in early XXXX and was told to contact the customer service number on the back of the debit card. I contacted the customer service number and also sent a message on the Citi website and was told to contact local branch. This back and force happened several times and this problem has never been resolved. 

Please help.
Product: Checking or savings account

There were 3 separate fraudulent charges from the same website XXXX XXXX XXXX XXXX XXXX which has since been shutdown, in the amount totaling {$1500.00} that showed up on my debit card account with Bank of America XXXX XX/XX/XXXX. I filed a claim with them on XX/XX/XXXX because my debit card was still in my possession. They canceled my card and sent me a new one. I had multiple conversations over the phone to get the money put back into my account while it's being investigated, which was denied. I escalated the call to a XXXXr on XX/XX/XXXX who also informed me there were other charges attempted on my account for a gift card, and XXXX XXXX XXXX which were declined because the card had been shut off. The {$1500.00} was put back into my account by the 10 day timeframe on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that my claim was denied and I could get the documents they used to make the decision. I had to call multiple times, and still did not receive any documentation. I went to the Bank of America XXXX XXXX XXXX and discussed with the XXXX for XXXX hours. He did nothing but print out the Chargeback Evidence from XXXX, and gave it to me. The claim was reopened on XX/XX/XXXX, and they have 10 days to research, and are required to credit your account while they investigate. Today, XX/XX/XXXX would have been 10 days, but the claim was closed, and when I called to ask why it was closed, I was told it was because it wasn't reopened correctly. I asked if the 10 day " clock '' to credit the account started over and she said yes. I escalated to a XXXX who told me I should write a letter to Bank of America explaining my side of the story. I just continue to get the runaround when it's clear this is fraud based off of the following : The website used to make the purchases has been shutdown, and was out of XXXX, LA ( I live in XXXX, XXXX ), there were multiple attempts to use my card in XXXX after it was shut off on a Gift card and at XXXX XXXX XXXX, the customer detail information is incorrect, the XXXX address of the purchase was in Alabama ( XXXX ) and again, I live in XXXX, XXXX, and the shipping address for the items was incorrect. 

The business denied my claim with the following : Unfortunately, we are unable to approve your recent claim. Our research included the information you provided with your claim, your account history, the monthly account statements we sent you ( which I was never sent ), and if available information from the merchant, such as a signed receipt or contract ( which I've never seen as the charge was made online. ) We made the decision because : The charge was authorized by you or made by someone who has permission to use the card or account ( this is completely false! ) The reason they are giving me as to how I supposedly authorized the charge is the person had the correct CVV.
Product: Student loan

I have been in the PSLF program for some time. I have made all payments as required, always certified employment on time and correctly, followed the servicers advice, and been in a qualifying IDR plan since entering the PSLF program. However, the servicer claims I have made different numbers of qualifying payments on my various loans, and their customer service representatives have been unable to explain why the numbers of payments are not the same on all loans. 

Furthermore, I submitted employment certification inXX/XX/2017, nearly a year ago, and the numbers of PSLF qualifying payments showing on my monthly bills have yet to be updated. Customer service can only say that they are still processing it. 

Finally, I was placed into an administrative forbearance when I entered the PSLF program because, according to the PSLF servicer, my previous servicer had given them incomplete or incorrect information about my loans and that was the only way to resolve the issue. I made payments during this forbearance, but the PLSF servicer still capitalized to principal all interest that had accrued during my forbearance. They refused to reverse this action although I protested that it was unfair.
Product: Credit reporting

I have XXXX hard inquiries on my transunion credit report that either are not mine or I did not authorize. They are for XXXX XXXX and XXXX. They are affecting my credit negatively are need to be removed. They were not done by me and the issue needs to resolved immediately before I am forced to take further actions.
Product: Mortgage

Short Sale process with Select Portfolio Services 1-Missing/disappearing documents repeatedly 2-Alleging they did not receive documents which were all sent by emails even as one document package, whereas receipt of email was produced 3-Alleging they did not receive documents even when such documents where even discussed with officials 3-promising to call back if documents where needed, and never receiving such calls 4-stalling the process requesting documents that should exist of lenders file, such as a loan modification agreement, which exist on foreclosure attorneys file and which have anyway been sent several times in a 4 year time period 5-not reading documents thoroughly, regarding clauses and info already provided in the documents 6-insisting more than once that the realtors invoice for {$12000.00} does not represent the 5 % brokerage fee of purchase price of {$250000.00} 7-Claiming errors on a reviewed item by item HUD with a lenders official whereas all changes requested where double checked with such official, and deemed corrected during phone call 8-Manager Relationship not ever being available once when requested for the last 12 months 9-Contradictory info provided by at least 2 officials, when follow up on documents sent on the same day 10-System notes with clarifications taken by and official never, ever, being received by relationship manager and/or disappearing from system 11-Allowing all documents to expire in several occasions in the process of requesting already existing info and documents, due to lack of proper review and/or loss of such documents, which burden parties with resubmitting such info and documents. 
12-lack of knowledge of real estate in Puerto Rico and local laws governing legal documents and contracts 13-Offering misleading information as to HUD items to be included 14-Claiming that a 12 months listing signed on XX/XX/2020 agreement expired on XX/XX/XXXX and not recognizing a clause regarding an existing purchase offer under such contract 15-Having been accepted the same short sale 2 tomes over a 4 yea period, only giving 30 days to close under an FHA loan which at least takes 60 days to process in PR
Product: Debt collection

Today XX/XX/2023 i was contacted by National Enterprise Systems several times. This is the first time this company has called me. Then when i called them back they said they have no record of calling me they said that Purchasing power was the one who called me thats false. On the voicemail i got all the phone numbers go back to National Enterprise Systems. Then they demanded i pay them {$1600.00} by XXXX XXXX  or the claim will get filed against me. After that they called my family members several times including leaving them voicemails to and sending documents about this matter to them, which should be in violation. I had stated on the phone with them not to call my family members and they deny that they called. I have all the proof phone numbers voicemails everything. They will not tell me anything else about this debt only that i have to pay today or that all other options will be forfeited. And that they have been instructed to contact my employer,
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 U.S.C 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 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 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states a consumer Reporting agency can not Furnish a account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states that no consumer Reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681 S-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: Mortgage

On XXXX XXXX, 2015 I was approved for a mortgage modification trial period plan by Ditech Financial LLC ( formerly Greentree ). I agreed to the plan and completed all of the company 's requirements for modification, only to receive a letter dated XXXX XXXX, 2015 from Ditech saying I was ineligible for the modification because I had not submitted all of the requested documentation! I found out at the very last minute they were denying the modification due to a lien placed on my property by the Home Owners Assoc. for past fees due, WHICH I HAD DISCUSSED WITH THEM FROM THE BEGINNING! I asked them initially if they could roll the past due amount into my mortgage modification, which they stated they could not ( so they knew about this lien from the very start ). Since Ditech said they could not roll the amount owed on XXXX fees into the modification, I contacted the XXXX in XXXX for help with the lien. When Ditech asked me for something in writing to substantiate how I intended to catch up on the XXXX fees, I had had the XXXX XXXX XXXX fax them a letter outlining how they were helping me with the issue of the HOA fees. The XXXX XXXX provided me with proof of Ditech receiving their communication, yet Ditech NEVER RESPONDED to the Clinic, but proceeded to send me the denial letter. I should be allowed to have the mortgage modification they approved me for, after I met all of their requirements. Further I will add, the exact person who was in Loss Mitigation working on my modification, NEVER personally returned my calls, nor did she EVER answer the phone. I have never personally spoken to the woman who was handling my modification, no matter how manty times I tried to contact her. All of my phone communication was done with " XXXX '' in Customer Service.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$3700.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA
Product: Payday loan, title loan, or personal loan

I received an email for a loan company I never applied for. They stated that it was taken out on XX/XX/2019. My bank didn't receive any money from this company. Spotloan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have grew negligent and ignorant of their responsibility to comply with the FCRA section 605b which requires that the Credit Bureaus to remove any fraudulent accounts and information that resulted due to identity theft. I have sent a letter addressed to the XXXX and TransUnion Credit Bureaus requesting to remove the disputed fraudulent information completely from my Credit Report on XX/XX/XXXX and I have been sending multiple letters before that date. Again, I was a victim of identity theft and this is another request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. By the provisions of the FCRA section 605b, I am submitting this complaint to request that the Credit Bureaus remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I, have a credit card with Chase, They thought my first card with them had fraudulently been used, they contacted me to ask if I had purchased an item at a hotel, I said I had at the hotel in question. they contacted me the next day on the same issue, and I answered the same way. so they called me to tell me that they were going to cancel that card and send me a new card. They did, but my first statement Had an {$89.00} annual fee .I tried to tellXXXX them that they had no right to put that on my card without my permission. they said that the new card was a PREMIER card so it gave me better bargains, My first card had a {$50.00} annual fee which was supposedly for a free nights stay at one of the, XXXX. Hotel groups I do not remember ever being called about the free night stay. Also, XXXX. Rewards on my statement said that for this year I had points earned for XXXX was XXXX points so I went online to see for myself. From XX/XX/XXXX to XX/XX/XXXX my total points for the same period was XXXX I tried to go to XXXX rewards to find out why the difference, But I ran into a not wanting to hear my Questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
Product: Credit reporting or other personal consumer reports

I applied for a credit card this past week from XXXX XXXX XXXX and I received a notification that there was an account that was not satisfactorily I never have had an account with XXXX XXXX this account was opened fraudulently its not showing on my credit report so I had no way of knowing about it XXXX XXXX opened this account with it my knowledge I need this cleared up as I have never had an account with XXXX XXXXXXXX I am a victim of identity theft and I have had numerous fraudulent accounts opened in my name with fraudulent documents but I did not know about this one as it does not appear on my credit report please help me get this resolved I called XXXX XXXX and they tell me there is a XXXX checking account and a secured credit card that were both opened in my name and they are unable to provide information and they are unable to remove the fraudulent account because they sold it to portfolio recovery collection agency they proceed to tell me to dispute with them I have tried my best the people at portfolio recovery are very rude they even told me I sounded like a female and said they needed to speak to XXXX  XXXX XXXX XXXX XXXX and they told me that the account was previously disputed and that the outcome would not change I need XXXX XXXX to deal with this these are not my accounts they need to fix this problem
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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