23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

I told the XXXX, XXXX, and Equifax to remove these fraud accounts listed in the FTC complaint and police report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
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 USC 1681 XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXXXXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am writing to complain about a credit offer that became a problem and resulted in a substantial additional charge on my Home Depot Credit Card. The credit card number was XXXX XXXX XXXX XXXX. I have cancelled the card.

The credit offered zero interest on a larger purchase from Home Depot. The interest accrued but was not to be paid, as long as the account remained in good standing for the zero-interest rate offer period. To ensure that I could avail myself of this zero interest credit offer on the purchase, I set the card up to automatically pay a specified amount monthly. This approach worked well until the zero-interest credit period ended. 

However, I lost my card during this period and had to order a replacement. The replacement request was a problem because the information source I used to ensure that I was fulfilling my obligations on the card was not updated by Home Depot. This is because the site that I went for checking on the credit card balance never updated for the new card, and as a consequence, never showed the status of this credit offer. 

Consequently, I continued to pay the monthly specified amount automatically. However, once the credit offer term ended, Home Depot applied the full accrued interest balance to my credit card balance, and I was never made award of this adjustment because my electronic access to the credit status card was not updated. 

I realized a few months into this change that my account balance had been adjusted upward for the interest. If I had been informed by the electronic XXXX XXXX digital account site, I would have paid off the credit at that time. 

I believe the automatic payment option is a problem given that XXXX XXXX did not update my electronic access the status of my account. While the person I spoke to indicated that I had been sent notification via XXXX notices, I did not receive them. This may have been because of a couple of addresses changes that had occurred in the interim. However, I did have XXXX forward my mail, so I do not understand why I never received them. 

In any event, I believe that the approach being used by Home Depot is unfair to consumers as it offers automatic payments but does not update electronic notification to reflect balances on the replaced credit card like occurs with my other credit cards. It appears to take advantage of the false sense of security offered by automatic payments, to lull the customer into believing that they are sufficiently informed of the status of the account. 

I would like Home Depot to rectify this problem by returning the interest that I had to pay to pay off this account. Please confirm receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed disputed XXXX XXXX Accounts numbers ending in XXXX and XXXX with XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX. With both attempts, both XXXX and Transunion have refused to remove the XXXX XXXX Accounts ending in XXXX and XXXX that are in violation of the FCRA due to the accounts reporting misinformation. Also, the XXXX XXXX XXXX  ending in XXXX and XXXX have yet to be updated on my credit report, as the date of last report shows XX/XX/XXXX for the XXXX XXXX Account XXXX and XX/XX/XXXX for the XXXX XXXX Account XXXX XXXX XXXX XXXX has also failed to provide a written response to my inquiries on XX/XX/XXXX and XX/XX/XXXX within the 45 day response window. If XXXX and Transunion does not immediately delete the accounts that are in clear violation of the FCRA from my credit report, then I will be filing a civil suit for each violation in court.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I was going to mail my you my letter but I hoped this would get results faster. So I am writing to formally file a complaint against Equifax, XXXX, and XXXX for failing to comply with 611 ( a ) ( 6 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Any many other laws below. Despite multiple attempts to have my credit report validated and updated, I received little to NO responses at all from these credit bureaus. 

Details of the Issue 1. Initial Dispute Letters Sent : Equifax : On XX/XX/year>, I sent a dispute letter requesting validation, update, or deletion of several negative items on my credit report. 
XXXX : On XX/XX/year>, I sent a similar dispute letter with specific items that needed verification. 
XXXX : XX/XX/year>, I also sent a dispute letter requesting verification of negative items. 

2. Items Disputed : Equifax : 1. THE REMOVAL OF ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Although XXXX acknowledged receipt of my letter, they have not provided any further communication or complete results of the investigation. I specifically requested in writing a complete investigation. I provided my mailing address and have not received anything. This inaction is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 3. Follow-Up Letters Sent : After receiving no response within 30 days, I sent follow-up letters to each bureau Ill attach those. 

Lack of Response Despite these efforts, I have not received any written results of the reinvestigations from Equifax, XXXX, or XXXX. Theyre in violations of FCRA Laws below. 

_**15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Requires the credit bureau to provide written notice to the consumer of the results of the reinvestigation.

611 ( a ) ( 1 ) ( A ) : Requirement to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

611 ( a ) ( 1 ) ( B ) : Requirement to complete the investigation within 30 days.

611 ( a ) ( 6 ) ( A ) of the FCRA Impact This non-response has caused me significant stress and potential financial harm, as the unresolved negative items continue to affect my credit score and my ability to obtain credit.
Product: Mortgage

XX/XX/year>2024 a tree fell in my house! The mortgage company XXXX XXXX XXXX XXXX has received all necessary documents to proceed with releasing funds! The deposit was made, footing done, & now there is a payment due per the payment schedule & the mortgage company refuse to release said funds
Product: Debt collection

I'm requesting a debt validation request from Midland credit Management. They've attempted to sue me via the courts ; however,, this debt charged off in XXXX, they have not provided any documentation of ownership of this debt.
Product: Debt collection

I have never own a ATT anything nor have I ever had an acct with them I am a XXXX & XXXX customer of years!!! i have no recolection nor knowledge or have an exist or previous account ever.
Product: Credit card or prepaid card

My American Express XXXX XXXX card expired XX/XX/XXXX. It is XX/XX/XXXX and I have not received a replacement. Despite this, I was charged {$250.00} annual fees on XX/XX/XXXX and XX/XX/XXXX. I reached out to American Express about the expired card XX/XX/XXXX. I have not received the card and American Express is refusing to refund the fees, claiming those are the fees for the card. But when I ask how can you charge me for a card that youve been unable to supply? they arent helpful. Id like my annual fee credited to the account and a replacement card sent for a third time.
Product: Checking or savings account

In XX/XX/XXXX I deposited {$1800.00} from my XXXX account to my citi bank account. Then in XX/XX/XXXX I deposited {$1000.00} from my XXXX  account to my citi bank account. Shortly after Citi Bank locked me out of my account and I still have not receive my funds. I have had no updates.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$83000.00}
Product: Credit reporting or other personal consumer reports

This account CHRYSLERCAP Account number XXXX is not showing on my XXXX and XXXX credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those XXXX bureaus and it should be reporting on them as " Closed and Paid and Full ''
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed in information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) as recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items from the evidence I provided, causing ongoing harm to my credit and standing. I am requesting immediate corrective action to remove or amend my disputed account, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealing with Equifax is like an exercise in futility. It is a real burden trying to get issues resolved this agency. 
I am in possession of the response letter from Equifax concerning my complaint to the CFPB on XX/XX/XXXX. Number XXXX on their willful violation of Fair Credit Reporting Act that states, when a credit bureau receives notice of a dispute, it must reasonably investigate the claim. And the investigation must be performed in 30 days. The notice I received on XX/XX/XXXX is unresponsive to my request. Equifax had 30 days to respond to my previous demand and they failed to do so. 
I warned Equifax in the very recent complaint, that as of XX/XX/XXXX, I mailed in a certified letter requesting the accuracy of XXXX XXXX account number XXXX. And that the account must be removed from my credit file. 
I am demanding that this account be removed permanently and immediately from my credit file due to their lack of transparency. Equifax should not be allowed to manipulate the guidelines of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and discovered an account from a company called XXXX XXXX. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or under my social security number or the account number : XXXX. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account. XXXX XXXX provided me with my confirmation number that VERIFIES a {$0.00} balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.
Product: Debt collection

On XX/XX/2019, I sent US Dept of Education/ Bass & Associates , P..C. a notice of breach of agreement. This company disregarded the letter and sent back a response of notice of intent to garnish. I specifically asked them to answer all 6 questions to no avail. This is a violation of the FCRA/FDCPA. I do not have a contract with this company and they havent produced the information that Ive asked for along with my wet ink signature.
Product: Consumer Loan

Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. 
I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. 
I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them.
Product: Mortgage

XX/XX/XXXX Received letter from BMO Harris Bank stating they engaged XXXX XXXX XXXX XXXXXXXX as the Loan Servicing Dept for BMO. They advised if mortgage payments are through Internal Transfer, which mine is, to update on after XX/XX/XXXX. I updated on XX/XX/XXXX. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX on BMO letterhead stating I owed {$920.00} for my XXXX payment and XXXX payment, both payments were made internally through BMO on the XXXX of each month. 

XX/XX/XXXX I called and spoke with XXXX who advised she did see my XXXX payment but did not see XXXX 's payment. She transferred me to supervisor XXXX who had me send PROOF OF PAYMENT to their Cashier Dept email. Since this is internal transfer from the bank I sent my bank statements showing transfer for XXXX and XXXX both were internally transferred out of my account on the XXXX. XXXX advised after I emailed I would be contacted within 7 days. 

XX/XX/XXXX I was never contacted by BMO or servicing Dept XXXX so I called and got another supervisor XXXX. XXXX advised they did received my email of proof and all was resolved and my loan amount changed from XXXX to {$460.00} in XXXX so I would just pay the difference. 

XX/XX/XXXX Never received letter so contacted BMO servicing dept XXXX again and spoke with XXXX. XXXX advised I owe for XXXX .... so we are back to square one. Transferred to Supervisor XXXX who advised yes I owe XXXX they do not see XX/XX/XXXX payment and it would be resolved by XX/XX/XXXX XX/XX/XXXX Spoke with XXXX who advised I owe now for XXXX and XXXX ... asked for Supervisor and got disconnected. 

Since BMO was to transfer all information to the Servicing department on XX/XX/XXXX they dropped the ball and apparently did not send my data .... however, BMO Bank just keeps sending me to the Servicing dept who keeps stating I owe for two months when this is and has always been an internal transfer from my account to the Mortgage Company through the BMO Banking System.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Identified information on my report that is a result of identity theft, these items are not related to any transactions completed by me. 

I have attached my FTC identity theft report, a copy of my state ID, and a statement identifying the transactions as a result of identity theft. 

I have already tried to get your company to correct this issue my previous file number is XXXX Agent XXXX advised me that they will not be operating in accordance with the law 15 U.S.C 1681 c-2 that states the information is to be blocked XXXX told me that there will need to be an INITIAL INVESTIGATION now that I have identified these transactions that are a result of identity theft and that it will be 30 days before the actual data furnisher will need to respond. This is not fair nor equitable it is downright disrespectful and a violation of my rights.
Product: Checking or savings account

My chime card had an unauthorized withdrawal.i filled a dispute with chime and it was denied.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account from XXXX  XXXX CREDIT CARD that was not reporting accurately, I had a late payments on an account that i was in fact 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 this date ( XXXX XXXX  ) I'm now requesting you Investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.