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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

the following account does not belong to me under the FCRA fair credit reporting act you must report true and accurate information, PLEASE investigate this account and list every person you spoke to during you investigation and provide proof of every document bearing my signature, XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reference Number : XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference Number : XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number XXXX I am writing to request that you investigate a public record error on my credit report and remove any incorrect information. I believe that there is an error on my credit report that is affecting my credit score and causing me financial harm.

I request that you conduct a thorough investigation into this matter and remove any incorrect information from my credit report as soon as possible. I am enclosing supporting documentation to help you in your investigation.

Please be advised that if this issue is not resolved to my satisfaction, I will be forced to take legal action, including filing a lawsuit. I hope that this can be resolved amicably and without the need for further action.
Product: Credit reporting or other personal consumer reports

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and XXXX fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, Equifax and XXXX are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. Equifax and XXXX are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Mortgage

I called my bank to inquiry about a repeat home equity loan, the loan  officer tried to take an application over the phone, but I explained I was not ready for that yet. She ( loan officer ) asked me to email her income documents of a secure nature. My wife said that email was not secure and that I should take them to her. She ( loan officer ) insisted that her customers do this all the time but my wife said no and I should bring to the office or fax them in. The loan officer insisted that I give her an a pplication but I told her I wanted to come into the office on Monday and we could do it then. I am  XXXX  and my wife said I should go in to their office to handle this kind of business. My call was simply an inquiry about their guidance and the fact that I had a previous loan with them. The loan officer said she had an apointment at  XXXX , so I went early as soon as they opened to talk to her. When I arrived Monday, they told me they ran my credit. I did not give them permission to run my credit. I am very upset about this violation of my privacy. She said I was lat e 13 times on my previous loan with them, but my credit report shows that I paid as agreed. After my wife called the branch manager to complain about the gros s negligence and violation of my privacy. I began to get calls for a conditional loan approval of a loan I have not filled out an application for.
Product: Debt collection

XXXX XXXX National svcs berue Collection agent called me and I tried to explain something but he was being very demanding tone, I asked to speak with the person helping me before he stated that I couldnt he told me I have to pay the full amount I was trying to settle for an offer if they can accept one he said you need to pay full amount call later
Product: Mortgage

In the month of XX/XX/XXXX, I, XXXX XXXX, mailed in a check to of {$15000.00}, On the check memo I specified " principal balance '', I also made sure to mail to the corresponding PO BOX that was provided to me via customer service. I had been speaking to customer service about doing this weeks prior to avoid my funds being misapplied. It has been two weeks and I am still with customer service trying to have this misapplied credit be corrected. My funds are still being misapplied and this action needs to be corrected immediately. The funds were divided within monthly payment instead of my funds being applied to Principal Balance, although identified numerous times. I am getting the run around and this is time sensitive.
Product: Credit card or prepaid card

I'm going through financial hardship and instead of declaring bankruptcy, I went to " XXXX XXXX XXXX '' for debt management help. I first spoke with them in XXXX and was told that my XXXX credit card and my two Capital One credit cards had been approved into the program. 
One XX/XX/XXXX both Capital One credit cards accepted payment from " XXXX '' - one in the amount of {$130.00} and the other for {$29.00}. 
On XXXX I was charged a " past due fee '' in the amount of {$38.00} on the card that they had just accepted payment for {$29.00}, the day before. 
On XX/XX/XXXX I was charged {$43.00} in interest - which was not what was discussed in my debt management program, it was supposed to be around 2 %, not the previous 25 %. 
I then received a letter in the mail from Capital One that stated that my account " is currently ineligible for this program ''. I called and spoke to a " XXXX '' on XX/XX/XXXX at XXXX XXXX and when she couldn't find any answers for me - she directed me to write a letter, and gave me an address in Utah. I wrote the letter with my questions and concerns. 
I then received a letter back, about 2 weeks later that stated : " we are unable to fulfill your request through written correspondence '' and then they told me to call Capital One. 
I then, very frustrated called Capital One back - again - and spoke with " XXXX '' at XXXX XXXX on XX/XX/XXXX. She read through all of my information and after an hour and 20 minutes, including a call with " XXXX '' a supervisor that stated that he didn't see any reason why this credit card could not be included in the " XXXX '' debt management program, we then included XXXX in this call. XXXX then initiated the payment plan again - and then was denied - again - about a week later. 
I then called on XX/XX/XXXX and spoke with " XXXX '' for XXXX minutes and still, nothing was resolved, but she said that Capital one was looking into it and I would hear back from them " soon ''. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX   and then a senior account manager " XXXX '' at XXXX XXXX. He said that my credit card is not eligible for a program with XXXX, but he could not state why. 

I'm trying to do the right thing, but I'm struggling to pay my bills while living paycheck to paycheck. Capital One has been no help, I feel that they just don't want to help me so they are just stringing me along. I need help from someone!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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. 
They did not fulfill my expectations and did not help me when i got scammed.
Product: Credit reporting or other personal consumer reports

The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/XXXX XXXX Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Product: Checking or savings account

1. On XX/XX/XXXX I reported an unauthorized charge. A merchant stated there would be a XXXX charge for a transaction and charged {$85.00}. I contacted Chase filed a dispute offered proof and was informed to hold on to said proof till necessary. I cooperated with them when contacted. Each time I offered proof and instead of asking that the proof be submitted I was informed that it would be noted in my case. Chase reversed the {$85.00} credit. Chase employees dropped the ball refusing to obtain proof and they take away my {$85.00}. 2. I recently moved from XXXX to XXXX XXXX. Due to the move, there were issues with my check. Today my Chase account is going crazy. It seems that there was an issue with one of my work checks. There was money deducted from my account without my knowledge. I was never alerted of what was going on till this morning. It should be noted that Chase states in their email that the check was returned on today 's date yet, XX/XX/XXXX, after receiving their email and checking my account I noticed that the money was deducted on yesterday 's date, XX/XX/XXXX. The missing money is causing purchases to bounce. Chase is penalizing me for something beyond my control. I am being charged overdraft fees for purchase made with the knowledge that there were insufficient funds in my account. They are charging overdraft and returned check fees for something I was not aware would happen. My account is in a disarray. My next paycheck will be severely affected. I just paid my rent. If I take a hit on my next check there will be XXXX dollars left in my account and as a single parent with XXXX daughters, this would be devastating. Chase is penalizing me for something that is not my
Product: Credit reporting, credit repair services, or other personal consumer reports

These complaint os for Equifax and XXXX who are falsely manipulating my credit scores. as FCRA Requirments on users of consumers reports [ 15 U.S.C. & 1681m ] i have mortgage " PAID AS AGREED '' the account # is on the attached file and I have XXXX to 1 % Utilization, 2 installment account has been paid off and one auto loan account hae been paid off all of them are tagged as status of " CLOSED '' PAID AS AGREED '' both of these credit reporting agency decreased my credit scores without any explanation as to " WHY '' THIS IS NOT A DUPLICATE REPORT AND DO NOT CLOSED THIS COMPLAINT. EQUIFAX AND XXXX ARE MALICIOUSLY DECREASES MY CREDIT SCORE. MY QUESTION IS WHY MY POINT HAS BEEN DECREASED WHEN I AM PAID IN FULL ALL THOSE ACCOUNTS MENTIONED ABOVE? IF THIS EQUIFAX COMESBACK ASKING FOR ALL ACCOUNT NUMBER, ALL THE ACCOUNT NUMBERS ARE STATED OR ENCIRCLED IN THE ATTACHED DOCUMENTS. THE SAME THING WITH XXXX, EXPLAIN TO ME AS TO WHY IM BEING PENALIZED FOR PAYING ALL MY ACCOUNT IN FULL AND LOWERING MY UTILIZATION? THESE ARE THE FACTORS YOU AS CREDIT REPORTING AGENCY SET ONE THEM IS THE UTILIZATION, PAYMENT HISTORY, AVAILABLE CREDIT, AT LEAST I IMPROVED MY CREDIT ON THOSE FACTORS AND YET YOU DECREASED MY POINTS? DO NOT COMEBACK TO ME TO JUSTIFY THIS FALSELY DECREASING MY CREDIT SCORE. BECAUSE I AM WILL AND DETERMINE TO FILE A LEGAL ACTION AGAINST YOU.
Product: Credit reporting

Perusing my ChexSystems report, I noticed an incorrect address. I wrote to ChexSystems and asked them to remove the incorrect address. ChexSystems responded stating that the address in question was submitted by a financial institution associated with my account. This is not true. Although, " XXXX XXXX Bank '' is listed on my report, I have never had XXXX XXXX bank account, nor have I ever wanted one. The address " XXXX XXXX ... '' should be removed, along with " XXXX XXXX '' from my ChexSystems bank report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was talking with XXXX XXXX at Bancorp about a possible mortgage, she told me me she would not run my credit as I did not want it pulled yet. She did pull my report without my authorization. She said she thought that's what I wanted but made no effort to correct this mistake or give me a copy. I have all the emails if there is a place to forward them too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed, and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number - XXXX i took a second look a my credit report and this account above is still not being reported accurately. Its showing that this account was charged off but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates for XXXX its shows Charged off for XX/XX/XXXX, XXXX XXXX XXXX but for the remainer of the year no data is avaliable. Equifax reports charged off for XX/XX/XXXX and XX/XX/XXXX and for the remainer of the year there is no data avaliable .XXXX shows no readable data at all for XXXX. I'm now requesting you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand this payment be update to paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting or other personal consumer reports

I have been attempting to dispute a specific " account '' reported to Equifax with incorrect information for several months now. 

I can not access my account. They do not seem to have a way for me to recover my account. No matter what instructions I follow. 

I attempted to log in to my account but Equifax says my account is locked. 

I have called in but they say they can not verify my identity. I have been through a few cycles of this. 

When I call in it is clearly to a call center. Highly likely outside of the United States based on my interaction. 

They asked me to verbally provide all of my Personally Identifiable Information ( PII ). Name, Address, Social Security Number, Email, Phone Number. 

Why not provide me with a link to verify this information? To secure my date! 

After they offered to send me a link because I was required to provide additional information to verify my identity. 

They say I failed my verification. So now I am required to mail them copies of the information : Drivers License, Social Security Card, Mailing Address... 

They never offered to send me back the documentation like with the Social Security or Passport Offices. 

I asked if I could go somewhere in person instead of mailing my documentation if I could go into a local place to verify like the post office or with a partner. They say if I want to go into an office I must fly to XXXX, GA to verify in person. 

I have tried resetting my password to retrieve the account it will not allow me too. They have no system in place to retrieve the password unless I verify my identity by mailing all of my PII to them. 

For A Password Reset. To Verify My Identity. While They Make Me Verbally Provide ALL of my PII To A Call Center Oversees. 

Does that make sense to you? Securing Data? 

So I still do not have access to the equifax account for several months now. 

Which affects my credit score, access to certain jobs, security clearance information, and purchasing power... 

None of this resolves my original issue. Attempting to dispute the incorrect account listed on my credit report. 

To address this issue I have used XXXX XXXX to file a dispute ( s ) but this has taken months and has been unsuccessful. 

REQUEST : I am requesting access to my Equifax account. Please review your security practices! Most importantly please dispute and remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX  stating there is a balance of {$600.00}. This balance is listed incorrectly. 

Additionally, this is medical debt. 

As of XX/XX/XXXX of this year, the bureaus no longer include medical collections for amounts under {$500.00} on credit reports according to the XXXX medical debt forgiveness. 

Please remove this from Equifax and all other consumer reporting agencies. I have made this request almost 8 times now in one way or another.
Product: Student loan

My Husband and I complete FAFSA forms EVERY YEAR for our Parent Plus Student Loan and because of my husbands income we never qualified for any assistance. My husband has been on EVERY FAFSA and we originally began these Plus loans with XXXX. We have paid XXXX payments ( 10 years ) and as my husband is in XXXX we were told we qualified for this program ( If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program ) When I contact Nelnet today they told me my husbands name is not on the loan????? We have never removed him from the loan. The FAFSA directed us to XXXX and his earnings were included in the loan determination, just as they were when we were REJECTED from receiving any assistance. This means after his 30 years of public service ( he is still in XXXX XXXX ) and our 120 months of 100 % on time payments, Nelnet is telling me he is not on the loan and we can not take advantage of this program? All of the debt we have incurred in our 34 years of marriage have been joint. Nelnet is the XXXX largest purchase in our married life ( Home purchase being 1st ) and now mysteriously he is not on the loan? Again, he is on EVERY FAFSA to reject any assistance and I am furious and will retain an attorney if this is not resolved. ALSO Nelnet charges interest DAILY on these loans. This is the definition of predatory lending. " Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions '' We still owe 50 % of amount of debt as when we started and we 've paid {$50000.00}. Nelnet is corrupt beyond belief and now that I have the time to examine their predatory lending it 's clear what they are doing to students and parents - robbing them blind!
Product: Credit card or prepaid card

For our Bank of America XXXX XXXX  XXXX credit card, we made a payment on the due date XX/XX/2023 using a Bank of America checking account. The DUE date on their business website shows due date being XX/XX/2023 which is the day we submitted the payment. 

The bank is claiming the payment didn't post until XX/XX/2023 and so they erroneously charged {$39.00} + {$48.00} in late fees and finance charges which seems obviously a case of gouging and attempt to charge us unjust fees. 

I have attempted to speak to their customer service team 3 different times including with a supervisor about this matter and all they keep saying is this account isn't eligible for a refund.

Despite us having an eight year business banking relationship history with Bank of America, they refuse to try and help at all and are insistent the fees are valid. 

We're hoping the CFPB can assist in this matter and help other consumers know the unethical business practices that Bank of America is conducting.