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

Subject : Formal Complaint and Request to Unblock Credit Report under FCRA Dear Equifax Consumer Services, I am submitting this formal complaint to address Equifaxs delay in unblocking my credit report. After submitting all requested verification documents, I was informed that my credit report would be unblocked immediately, yet it remains inaccessible, preventing me from exercising my right to apply for and obtain credit. 

On Monday, XX/XX/year>, I sent the requested documents to verify my identity and current address. These documents were confirmed as received and uploaded into your system on Monday, XX/XX/year>. During a conversation on XX/XX/XXXX, XXXX ( XXXX ID : XXXX ) assured me that my credit report would be unblocked immediately. Despite this, my report remains blocked as of today, Wednesday, XX/XX/year>. When I spoke with XXXX ( Employee ID : XXXX ) in your Consumer Affairs Department, he told me that the unblocking would take an additional 24 hours, contradicting the assurance given to me on XX/XX/XXXX. These delays are unwarranted and directly impact my ability to access credit and other essential services. 

Under the Fair Credit Reporting Act ( FCRA ), codified in 15 U.S.C. 1681, credit reporting agencies like Equifax are legally obligated to ensure timely and accurate access to consumer credit reports. Specifically : 15 U.S.C. 1681i ( Procedures in Case of Disputed Accuracy ) mandates that credit reporting agencies promptly respond to disputes and take reasonable steps to ensure the integrity and accessibility of consumer files.

15 U.S.C. 1681e ( b ) obligates Equifax to follow reasonable procedures to assure maximum possible accuracy of consumer files, which includes ensuring timely access to correct information for consumers who have provided the necessary identification verification.

The repeated delays in unblocking my credit report prevent me from obtaining credit, impacting my financial well-being and undermining my confidence in Equifax 's ability to provide fair and prompt service. I have complied with all requirements to resolve this matter, and I am now hindered in accessing credit and fulfilling my financial needs.

In light of the FCRA and consumer protection law, I respectfully request that Equifax : 1. Immediately unblock my credit report so I can access and manage my credit file.

2. Provide written confirmation of my credit reports unblocked status.

3. Provide direct contact information for a designated representative within your Consumer Affairs Department to ensure further prompt communication.

Please treat this matter with the urgency it warrants, and provide a prompt response. I reserve my rights under the FCRA and any other applicable consumer protection laws.

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I mailed a validation of debt to the alleged debt buyer, in the letter I made clear what information I needed from them, I also warned them that if they are reporting this debt to a credit bureau that they could be facing legal action, I also demanded that they only communicate with me through the mail system. They have violated my rights by flagging and reporting me to the credit bureau, they continued to call as per proof. This company has a total disregard for my rights as a consumer and do so without repercussion. 
It is my position that since they failed to provide me anything to validate this debt then I do not owe them anything.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. The items I am disputing are also highlighted on the attached copy of the credit report I received. 

The inaccurate information I am disputing is as follows : 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 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, Section 611, 15 U.S.C. 1681i ( 7 ), I am requesting a reinvestigation of this account. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( i ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. 

Please provide a detailed description of the procedure used to determine the accuracy and completeness of the information listed above. Specifically, I am requesting the business name and address of any furnisher of information contacted, and the telephone number of such furnisher, if reasonably available. 

If the information can not be verified, I request that it be deleted from my credit report. 

Please consider this letter a formal request to delete this inaccurate information within 30 days of receipt. I appreciate your prompt attention to this matter and look forward to your response.

I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I was unfairly charged the following absurd fees. The account had sufficient funds throughout these periods. 
XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$15.00} ; XX/XX/XXXX : {$10.00} ; XX/XX/XXXX : {$15.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off XX/XX/2020 as a result of the COVID shutdowns. I contacted Santander to see if I could get a deferral on my car payments as my bills were running behind. Santander agreed to defer my payments, and I signed all of the required documentation. When payments resumed they began to report all of my payments as delinquent back to the original deferment. I have contacted them multiple times to fix the reporting on my credit, and each time they have assured me that the reporting will be corrected. To this date the reporting has not been corrected and they continue to report my payments as late. I am attaching the documentation to substantiate that I was in an approved deferment program. This is a violation of the CARES Act to inaccurately place derogatory payment history on my credit reports. Furthermore, the company has verbally acknowledged the error and will not follow through with their promise to remove the inaccurate information.
Product: Money transfer, virtual currency, or money service

. On multiple occasions, Ive experienced transactions where my money either got lost or took an unreasonably long timeup to three daysto process, despite Zelle being advertised as an instant transfer platform. When I contacted Zelles support for help, they offered no resolution, leaving me frustrated and without access to my funds for critical expenses. Their lack of accountability and failure to deliver on their promised services has caused significant inconvenience and financial stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank informed me that XXXX XXXX County reported missed payments for the XXXX and XXXX real estate taxes, I provided the bank with my proof of payments, the bank ignored the proofs and later claimed that it paid XXXX XXXX County again and the county refused to refund the money it paid. The bank then demanded that I must refund the amount that the county refused to return.
Product: Debt collection

TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I have asked TRANSWORLD SYSTEMS INC on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$300.00} and another amount of {$730.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

see CFPB complaint XXXX The account became past due because of the handling of the termination by Nissan to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through XXXX. 

Upon filing a dispute with Nissan to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.
Product: Credit reporting or other personal consumer reports

Complaint XXXX was submitted on XX/XX/24 against Experian and XXXX. XXXX did not provide proper disclosure that a hard inquiry would be made on my consumer report through Experian. 

XXXX has not responded. 

Experian responded on XX/XX/24. It is now XX/XX/24 ; More than 30 days have lapsed and the inquiry must now be removed as required by law.
Product: Mortgage

My husband and I applied for a home mortgage through Wells Fargo. They collected XXXX for a rate lock, and we began the build process with our home builder. We were pre-qualified, and after paying for the lock we thought all was set. I am on salary continuation ( severance ) from Wells Fargo, and was fully transparent with XXXX XXXX, and his assistant XXXX about that fact. I asked - what will we need to do to prove my retirement income will carry us with this mortgage, etc. XXXX answered well, you will still be employed at closing, yes? So, we heard nothing back, and a few weeks ago, I broached the subject again with XXXX. The underwriters were asking me questions, and I asked what we should be providing, given our situation. Our closing date was set - furniture ordered, blinds, services, etc. and at the 11th hour, they called a halt. We are apparently required to show a distribution of my XXXX. Fine ... but the problem? WELLS FARGO will not do this?! So, XXXX are of Wells Fargo needs something from my plan that the other branch WILL NOT PROVIDE. Now, we are in jeopardy of losing our XXXX deposit, our home, and as I am recovering from XXXX, this whole thing is about to upend our entire lives. We now have to attempt to get another lender, and may not be able to go through the process in time. This whole thing was completely unethical, and the bank has policies that war with others. I have XXXX coming to me when my severance period is over, but until then, I am still considered employed. We own another home, and my income is XXXX per month, and yet, they wont support picking up the distributions as planned when my employment ends with the company. 38 years, Ive been an employee. We own another home free and clear, along with 2 vehicles, and yet, they wont move forward approving our purchase. That is one thing? But the fact that we were told to just shove this under the rug, when we could have worked with a different lender, the one who offered us the mortgage in the first place. I chose WF because I am still employed there. I want our money back, and I want our unethical treatment to be dealt with.
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 XXXX XXXX XXXX. XXXX Bank 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX administers our HELOC loan. On XX/XX/20, a XXXX representative gave us a payoff amount of {$340000.00} and all wire transfer information, told us that no more interest would accrue if we wired the $ that day, which we did. We later noticed on our XXXX account online, a remaining principal balance of {$170.00} and interest of {$230.00}. Because we had paid off the exact amount told to us by XXXX, we contacted them to dispute this matter. XXXX sent us a letter dated XX/XX/20 acknowledging this, advising that they'd work to resolve it, and that they will continue to follow up until there was resolution to our request. From that date until today, XXXX never again contacted us regarding our dispute. We, on the other hand, contacted XXXX repeatedly to follow up. I have copies of our cell phone bills showing 12 phone calls placed by us to XXXX. The calls total 355 minutes of OUR time, trying to resolve a dispute that XXXX vowed to work towards resolving. We then realized that a {$25.00} late charge as well as an additional unexplained {$50.00} fee was added to our account ( we had just paid the {$100.00} annual fee one month earlier and NO ONE from XXXX could explain the {$50.00} charge ). I was told that both fees would be removed because of the underlying issue. I consistently asked to speak with a supervisor. A couple of times, I was placed on hold and would then be disconnected. A couple of times, I was told that a supervisor would call me back. No supervisor or anyone else from XXXX ever called us back. Because I didn't want this to affect our credit, I tried making the payments that we were disputing online and by phone, but was not allowed to. We finally paid everything in full by wire transfer as required by XXXX ( at an additional cost through our bank ) and XXXX reported a late payment to the 3 credit bureaus, resulting in negative credit for us. XXXX FINALLY responded to me after I posted a negative comment on XXXX and issued me a letter advising that it submitted a correction to the credit bureaus removing the delinquent reporting. When I saw that the 3 bureaus still had the delinquent payment, I was told by XXXX to dispute this directly with the credit bureaus, which I did, TWO TIMES for each. The credit bureaus responded that XXXX reported to them that the delinquent payment was accurate, even though XXXX confirmed in writing to me that it was not.
Product: Credit card

Chase is discontinuing my XXXX XXXX credit card because I did not use it for an extended period of time. I am not disputing that. My issue is they did not contact me earlier to tell me if I did not use it would not be renewed. I was never given a warning that I needed to use it or lose it. I called to state my case but was given no consideration for it to be renewed even though I used it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent XXXX appearing on my consumer XXXX credit report. I do not recognize the aforementioned account, XXXX as reported. The aforementioned account, XXXX, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, XXXX, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( waiting until the draft is approved ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

See previous complaint. Shellpoint is not trying to help me with the back payments or anything. They are not even answering my emails. See attached.
Product: Checking or savings account

Hi - I opened a Santander checking account on XX/XX/XXXX. The terms were that Santander would provide an initial {$200.00} if I made an initial {$1000.00} in the first 90 days, which I did. I still have not received the {$200.00} bonus. When I opened the account, I had to do so by XX/XX/XXXX ( I believe ) - there was an issue with opening my account online ( I did n't pass the auth interview ), so it took extra time for me to go to my local branch in XXXX, DE and open an account. If you reference a previously submitted CFPB complaint regarding that issue, you 'll see that the outcome of the complaint was that I could still receive the {$200.00} bonus, even though it was past the XXXX/XXXX/XXXX cutoff. I worked with XXXX in the XXXX, DE branch, who also documented that I would still be receiving the {$200.00} promotion. I tried calling the branch several times - each time, XXXX was unavailable. I asked the branch to have XXXX call me back, but I do n't think they are relaying the message.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to Equifax and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & XXXX
Product: Checking or savings account

My checking account with US Bank was closed on XX/XX/2023. They issued me a cashier 's check which was stolen and upon investigation it looked like the perosn who stole the check was able to deposit the check into their account. I have been in contact with the bank since XXXX and i have not yet received a replacement check. My concern is that im not getting any update from the bank. Every time i call the customer service they are not able to tell me what is the status of my claim and advise me to go to a branch and when i do go to a branch they are also not able to assist me or even tell me what is going on. I have been very patience trying to get this resolved but im starting to get very frustrated because its been 7 months trying to get my money back from US Bank.They already know the name of the person who stole and deposited the check into their account and i don't know who that person is so why is it taking them this long to issue me a replacement check and go after the person who stole the check. Please help.