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

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are XXXX XXXX, XXXX, and XXXX XXXX XXXX
Product: Mortgage

I entered a covid forbearance in the spring of 2020. My mortgage is with Mr Cooper/Nationstar. I was able to maintain my payments until XXXX, XXXX, and XXXX of 2020. For those three months, I paid enough money to cover interest and escrow accounts. After that, I resumed making my regular payments. My forbearance was to end on the XXXX of XXXX. On the XXXX of XXXX, I called Mr Cooper and spoke with XXXX. I explained that as mine is a federally backed mortgage, I wanted to move the approximately {$4800.00} to the " back '' of my mortgage and continue with my regular payments. After a lengthy hold, she came back and said that was approved. A few weeks late, I received a statement requesting in excess of {$6000.00}. I askes for a breakdown of those funds. I'm still waiting. As you can see in the attached file, I usually make my payments 2 weeks early. When I attempted to make XXXX and XXXX payments in early XXXX, Mr Cooper would not accept them. I attempted to pay them via my wife 's checking account and they still won't take them. I called and attempted to make 3 payments. They wont accept them unless I pay {$12000.00} at one time. I have asked for a breakdown of these figures SEVERAL times with no success. The are happy however, to assist me in a refinance or a modification, neither of which are what I want
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

When paying my XXXX statement on my XXXX Visa Card issued by Synchrony Bank ending XX/XX/2021 I had selected to make a one time payment using the option to pay the full statement balance on XX/XX/2021 - the payment due date. The amount that was paid on XX/XX/XXXX was {$280.00} however the statement balance was {$280.00}, therefore the balance was underpaid by {$.00} and I was then charged interest of {$3.00} on the balance on XX/XX/2021. I then got in contact with Synchrony and I was told that the interest was indeed related to the {$.00} underpayment of the balance. I told them that I had selected to pay the full statement balance, which it seems did not occur, and I was asked by a representative if I had a screenshot of myself selecting the pay statement balance when I chose to pay. I feel this is not a normal request or practice for any reasonable consumer. In the end they did reimburse me for the interest charge " this time ''. However I feel that this is misrepresenting the option that I chose and may be an underhanded attempt at collecting fee 's on the card for which I have never carried a balance on before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX  accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.
Product: Mortgage

I have a mortgage that is paid up to date, actually I am paying an additional {$500.00} per month to pay it off early. Apparently my bank, Chase, has hired a company called XXXX, to collect on this mortgage even though it is paid current. XXXX has begun making collection calls against me. I called both Chase and XXXX but they refused to take my calls. I sent emails to both and they both refused to answer my messages. My loan is paid current with Chase as of XXXX XXXX, 2016.
Product: Debt collection

On XX/XX/2021 I find out that a bill that I'm sure was paid was sent as unpaid and hit my credit. Naturally I called and asked for a pay to delete. The agent on the phone assured me XXXX times that this would be completely removed without a trace. I asked three times just to make sure. She said " yes, as soon as you pay this will be removed completely from your credit. '' So I made the payment. Then she stated that she is sending me two emails one for proof of payment and the other for deletion. They never came. So I called back and I get a different agent. She said " you have to call the reporting agency to get the deletion papers. '' Well I called XXXX XXXX and they said " if you pay us ANOTHER {$200.00} we will delete '' so I paid again after I asked why I had to was told " you pay to delete ''. 
I hang up with XXXX and call Convergent and they tell me " The agent you spoke with was misinformed so we will not be deleting but will mark it as paid. '' Now that was NOT the agree. I also recorded the call to make sure that was not the agreement. The lady said clearly that " it will be removed from my credit reports. '' Now I can prove this but they are not honoring what their agent stated. Her misinformation does not take away for what she stated considering she works for them and they trained her. I am not out over {$400.00} for a debt that was only {$200.00} and I will be filling papers in small claims if this is not resolved. I did NOT pay on a debt that was paid years ago for a " paid status. '' Follow the agreement of deletion as promised!
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, XXXX ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT FILES. IVE ATTACHED FTC FORMS AND OTHER DOCUMENTS SHOWING THE FRAUD.
Product: Debt collection

Care Credit contacts me at least 5 to 7 times each day and on the weekend. I have been repeatedly harassed by them on a daily basis multiple ways and after asking them to stop, I started getting harassed more. They call 2-3 times a day, email 2-3 times a day, and also text me 2-3 times a day. This is illegal and is harassment. I want the CFPB to understand that they DO NOT STOP and if you say something, they make even more attempts to harass you. I can't tell you how many times I have opted out of texts and asked that they stop calling multiple times a day. I will get an attorney next if this isn't taken care of.
Product: Money transfer, virtual currency, or money service

PayPal sent me a check payable to my XXXX username. The username was close enough to my real name to deposit. The check came back as a chargeback! I contacted PayPal months ago and they refuse to get back to me ( either reissue the check or respond in any manner ). This cost me {$25.00} in chargeback fees as well as an account closure due to their fraud. 

The {$1500.00} I deposited with them is shown as withdrawn via check, a check they stopped payment on and purposefully made out to an XXXX username, despite instructions given to them on their website. My money is in limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid cash to a us bank teller Saturday XX/XX/XXXX but received a printout saying XX/XX/XXXX even though it was for a credit card due XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB WRITE UP In accordance with the fair credit Reporting act Citizen XXXX XXXX  Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I have been treated improperly inappropriately disrespectful. No one can help me out here
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, This Complaint is formal notice that you have failed to respond to my dispute letter of ( XXXX ). I sent this letter certified mail. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 Regional Finance opened an account with someone who stole my information. This company did not verify the driver license number with an actual id. They just let them write down the driver license number and did not verify any other information when opening this account. The information was already on the pre approved information letter that they mailed out. So this personal information was given to the person who stole my information and used it to open an account. I have disputed the information with the company who has told me sorry there is nothing they can do even though I have showed them my id and showed it was not even the address that they mailed the information to or anything else matching, like phone or email. No other information was provided to this company to verify the identity.
Product: Checking or savings account

Fraud check cashed at a XXXX Bank - XX/XX/2023 in the amount of {$5000.00}. 

I asked XXXX bank to verify where the check was cashed and it was confirmed by XXXX it was cashed through them. The fraudulent check was from Citizen 's bank. 

The Citizen 's fraudulent department was notified and the dispute was denied twice. They denied the refund for the fraudulent check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft due to a massive data breach via Equifax and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting information.
Product: Credit card

capital one account # XXXX capital one sent me a prequalified credit card offer. so I filled out the application XXXX XXXX my application was approved and then approximate

ly 2 weeks later I received a credit card with a {$2000.00} limit. i used the card 2 months. each month after the bill was sent I paid the card off i
n entirety. however, the XXXX month when I tried to use credit card # XXXX my card continued to be rejected by merchants. leaving me embarrassed at the registers. 

therefore, I called capital one to find out what the issue was and I was told my card was closed without any factual explanation. this account was closed by capital one without me owing any money, without my consent or knowledge, and without any over drafts, or any fraud activity, without any late payments. 

I ask why my account was closed, and could they send me a statement explaining why my account was closed only 2 months after it being issued to me. when i paid every bill on time never even used 50 % of the credit limit. 

therefore, I have an inquiry on my credit report that reduced my credit score, I cant apply for other cards because it looks as if I applied for credit too much in a short period of time yet I don't even have this card. if they didn't want me to have their card why did the send me a prequalified offer in the XXXX place.
Product: Checking or savings account

Chase has a promotion stating that for new customers that makes 2 deposit of {$500.00} qualified for a {$200.00} bonus, and meet the requirements and I added the coupon when opening the account. But a Chase representative told me I did not qualify but I have been going back and forth and another told you do qualify but we need the coupon and I deleted the coupon when the previous representative told I did not qualified, so their giving me different answers.
Product: Mortgage

Company name : SoFi I am trying to close on a refinance mortgage loan with SoFi. I have requested accommodations for an e-closing and hybrid closing due to the COVID-19 pandemic, but the company has refused to accommodate the request. They have not provided information as to why. Per XXXX XXXX and XXXX XXXX guidance, these accommodations should be allowable especially given the circumstances. These are unprecedented times, and I would like to reduce time and contact with the notary. If this will not be allowed, then I would like an explanation as to why. I requested this information multiple times, but have yet to receive an explanation as to why. 

Here is my request time line with SoFi. All requests were and responses were done via e-mail : XX/XX/XXXX - Requested information on e-closing XX/XX/XXXX - Denied request for e-closing by XXXX XXXX XX/XX/XXXX - Requested a hybrid closing XX/XX/XXXX - Told that hybrid closing option " may work '' by XXXX XXXX XX/XX/XXXX - Told by XXXX XXXX that they are still looking into the hybrid closing option XX/XX/XXXX - Requested hybrid closing again to XXXX XXXX, XXXX XXXX, and XXXX XXXX   XX/XX/XXXX - Told by XXXX XXXX that they will continue to look into the hybrid closing option. 
XX/XX/XXXX - Informed by XXXX XXXX that this accommodation was denied. No explanation was provided. 
XX/XX/XXXX - I requested further explanation as to why this accommodation can not be made, but no response has been given and closing is next week. 

**Expected closing date is XX/XX/XXXX - I would still like to have a hybrid closing completed. 



Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just realized I have a hard credit inquiry from American Express even though I don't have any accounts with them. I never gave them authorization to access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company, XXXX XXXX XXXX XXXX, has obtained or pulled two hatd inquiries without my consent. This company was an inquiry in XX/XX/XXXX and recently here in XX/XX/XXXX pbtained my credit without my permission. Both inquiries should be removed from my credit as soon as possible! These inquiries has resulted in my scores decreasing with the credit bureaus! The description shows child support and I've never owed child support in my life. This company should provide documentation that I authorized these inquiries or be fined/penalized.
Product: Credit reporting or other personal consumer reports

Chase closed my accounts and then they started to report after they were closed. I called them and asked to be placed on a program and they said they didnt have any programs. I made my payments even after the accounts both personal and business were closed and they still reported me late. Also, they reported my business card on my personal credit. I never signed or agreed for this and this is very misleading, and they should not be conmingling a business card that belongs to the business to my personal credit profile. 
They dont try to help the consumer at all and the dont disclose properly what will be furnished to a personal credit profile. When the business applied for the credit card it was with the EIN not my social so they should have never reported the card on my personal credit report.
Product: Debt collection

Contacted the XXXX police department on XX/XX/2010. Spoke with former detective on the case of identity and fraud on Police report - # XXXX. I was notified PRA has never contacted them to retrieve police report in regards to the fraud on account ending XXXX. Yet PRA, continues to report this fraudulent debt anyways on my credit reports willfully and with negligence. It their responsibility to retrieve the police report directly from the XXXX police department. They are reporting this debt any ways to the credit reporting agencies. I have filed numerous complaints for them to cease reporting all debts in my name and obtain the police reports and yet they continue to violate the FCRA anyways freely. So I continue to report these violations to the CFPB.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus XXXX  AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My personal checking account with Ally Bank has been active with no issues for the past 1-2 years. The account is typically used for online purchases and bill pay. I recently started a business and was seeking funding from a XXXXXXXX XXXX since I was nearly out of money to keep working on the business. After making a deal with the XXXX we signed the contract and they deposited $ XXXX XXXX to my Ally Bank checking account. Ally Bank then froze my account and their customer service could not answer questions because the fraud department only worked during banking hours. I called and spoke with the fraud department many times requesting information on why my account was frozen. I eventually was told that " maybe '' it was because they wondered what the company name listed on the wire transfer was ( it was the name of the company I'm starting ). I asked them for an email address to send documentation and then sent all company documentation and agreement with the XXXX, to XXXX. I never heard back and the fraud department still says someone will contact me. I have a business checking account that I need to transfer these funds into ( and I have bills that need to be paid with my existing balance in the account ). In the meantime, the XXXX is upset with me because the cloud services are getting shut down or throttled due to non-payment and I am unable to keep working. Ally still refuses to provide any information or guidance on how much longer they must keep my funds.
Product: Mortgage

I sold a home in XXXX, GA on XX/XX/2020. I am owed {$3800.00} in escrow from the sale of this house from Dovenmuehle Mortgage , Inc . The load was serviced through XXXX XXXX XXXX. The property address of the home that I sold is : I did co-own the home with another owner, but I am the only one due the escrow payment since I was the one who put the down payment on the house. Neither one of us has received any payment from the mortgage company. 

I have called both XXXX XXXX  and Dovenmuehle Mortgage Company numerous times inquiring about the escrow payment. Every time I contact them, I am told that the check was sent to the address of the property I had sold. I understand that, however, it was never forwarded to my new address and I have not received it. I am not sure why they would send a check to a house I just sold, which makes me question if it was ever sent at all. I have also heard a lot of excuses for the non-payment. Then again, I have also been promised many times that the check would be sent to my current address. I have even been given dates to expect the delivery of it. All of this to no avail. This issue is not only frustrating, but the mortgage company has a legal obligation to ensure I receive my escrow money.
Product: Debt collection

Didnt know I even owed any money to anyone just appeared on my credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.