23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file an official complaint against Equifax for its failure to respond and take appropriate actions following my dispute letter. On XXXX XXXX I sent a letter to Equifax to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ). In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that Equifax has initiated an investigation or taken any appropriate actions. As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and Equifax 's lack of response raises serious concerns about its commitment to regulatory adherence. Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that Equifax be held accountable for its non-compliance with federal laws and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect Equifax to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting. Enclosed, I am providing a copy of my original dispute letter and additional documentation which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i submitted a dispute with reporting company through the cfpb portal and directly with Experian. I also called and spoken with some one at experian. I told them about the incorrect and fraud inquiries on my credit report in return I sent in attach details with fraud report /from the ftc . police report from the county sheriffs office and submitted my id and ss with address in which in return nothing was removed please remove account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE CONTACTED THE CREDIT BUREAUS ALL HAVE TAKEN STEPS TO REMOVE THESE INQUIRES ALL EXECEPT EXPERIAN PLEASE REMOVE ACCOUNTS ASAP
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.
Product: Credit card or prepaid card

When I originally opened this account, my due date was set before I ever received and electronic or physical information to create an online profile. When I did get my account information, I already had a late fee. I had to work with them to get this waived and adjusted. 

6 months later my primary bank replaces all my debit cards for a information security breach and effecting this payment. I called to correct the issue but now it was to be processed 1 day " late '' because an EFT takes 3 business days for them to credit you account, causing it to be a day late and they were going to add a fee again. Once again had to get an exception for something out of my control. 

Today I received a collection call at XXXX am local time from them for a amount due yesterday. I tried accessing my account online and had to reset my password. It locked me out and I could not get anyone via phone to make payment due yesterday ( Sunday ) after holding 2 hours. Once again late fees were assessed and they refused to waive them because since I had already been waived fees. Not only was I not provided a regular account manager/agent, I was sent to a collections department. 

This is a 0 % financing dealing and as soon a you are " late '' they get to charge interest on the whole financed amount. They are intentionally making it difficult to make payments, get a hold of them, or remedy any situation not caused by yourself ahead of time on time in order to create false breaches in contract language in order to start charging interest and fees. 

If you set up auto pay they take the money several days prior to the due date. They are playing a float and games in order to profit unfairly. They also violating Fair Credit and Collection Practices by frequently calling ( several times in a day at my work ), calling before and after acceptable times on amounts less than 24 hours past their date. It requires a formal letter to put me on a do not call list. 

I paid this account off in full immediately, but once again it requires formal letters or online access, social security numbers, etc to close the account. The account they had pulled up and were looking at to collect! Ironically they could not provide me a written, emailed or texted confirmation of payment and was told to wait for may monthly statement. 

This bank if not consumer friendly and is praying on people with easy approvals and high fees and interest charges with predatory lending practices created so you will violate their terms to maximize these fees and charges.
Product: Mortgage

Re : Your letter dated XXXX, in reply to written complaint on XXXX account XXXX This is continuation of my formal written complaint. I initiated my complaint via a letter to Wells Fargo Bank ( WFB ) dated XXXX, and a personal visit to VP XXXX XXXX on XXXX. ( Note : in future correspondence, please refrain from describing my formal written complaint as an 'inquiry ', a 'concern ', or 'important comments ' ). 
I found your latest letter to be unresponsive to my complaint. Your letter indicates you found no error on your part and would be making no adjustments to my account. My research clearly shows there are, in fact, substantive errors. 
As to the first of your XXXX errors, you are failing to abide by your own Prime Equity Line of Credit Agreement & Disclosure Statement ( " Disclosure '' ). My monthly account statements clearly show that what you calculated to be the interest component of my required, on-cycle {$50.00} minimum payment to be less than {$50.00} ; this occurred on my monthly statements from XXXX to XXXX. However, these same monthly account statements clearly show WFB took my entire {$50.00} payment into interest, in contravention to the payment allocation methodology you describe in your XXXX letter and in non-compliance with your Disclosure. My research shows the error results in Finance Charge overcharges, and an understated Annual Percentage Rate ( " APR '' ) for this account. I suspect your error may adversely affect many thousands of your similarly situated customers. 
As to the second of your XXXX errors, you again are failing to abide by your own Disclosure. In my using your BillPay functionality ( a service which you heavily marketed to me via email advertisements ) to remit off-cycle principal-only payments, your system inappropriately assessed an interest component. You acknowledge this shortcoming of your BillPay system in your XXXX letter, yet refuse to make necessary adjustments to my account ; rather you direct me to use alternate methods to remit my payments ( which flies in the face of how you marketed your BillPay system ; WFB disclosed no such limitations to me when I signed up for the service ). This error occurred on my XXXX and XXXX monthly statements ; my research shows this error results in Finance Charge overcharges, and an understated APR for this account. I suspect your error may adversely affect many thousands of your similarly situated customers.
Product: Vehicle loan or lease

On XX/XX/ I financed a motorcycle through the dealership with Synchrony Bank in the amount of {$12000.00} at a 9.99 % interest rate, on XX/XX/ I made a {$230.00} payment, I then made additional payments on XX/XX/ in the amount of {$600.00}, XX/XX/ in the amount of {$250.00} and another {$600.00} payment on XXXX As of XX/XX/ my statement balance was listed ay {$11000.00}. We realized that all of the extra payments we were making were not being applied to the loan balance. On XX/XX/ we refinanced the loan to XXXX and a check in the amount of {$11000.00} was signed for at XXXX by an XXXX XXXX XXXX Synchrony Bank on XXXX. The payoff amount at the time the check was received was {$10000.00}. 

On XX/XX/ I called Synchrony because no one had contacted us about the overpayment. I requested a check be sent in the amount of the overpayment of {$640.00}. Synchrony bank sent us a check in the amount of {$570.00} leaving an unaccounted for balance {$64.00}. 

Synchrony has not sent us an itemized statement to account for any of the charges, or the loan payoff. I have been unable to contact them, and at this point this is basically theft. I would like the remaining balance of {$64.00} sent to me immediately. 

I honestly have no idea how this place is even still in business. I've never seen such atrocious tactics for essentially stealing from people.
Product: Credit reporting or other personal consumer reports

I telephoned Experian and requested a free copy of my credit report. They redirected me to a url which requested {$14.00} to send me a report. As you know I am entitled to a free copy of my Experian credit report. This credit reporting company is the greediest of the 3 credit reporting agencies. Please instruct them to mail me a cop [ y of my credit report to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX.
Product: Debt or credit management

I was dealing with Meadowbrrok legal Group ( now called Moore Legal Group LLC-XXXX XXXX XXXX XXXX XX/XX/XXXX and they have settled 2 accounts for me and I have transferred more than enough money to Meadowbrook to paid off for both accounts since XXXX XX/XX/XXXX but they are not paying off to the Debt companies. Fund is with XXXX XXXX. 

I have send numerous emails since XXXX and they are always saying they need more time. When I asked XXXX XXXX they are saying they are the third party and they never received anything from Meadowbrrok legal Group ( now called Moore Legal Group LLCXXXX XXXX ) I am loosing the money as monthly fees from XXXX XXXX , they are charging me as a monthly fee for the transactions
Product: Mortgage

On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX I received an answer from Citizens regarding a credit reporting and dispute inquiry that I had never made and/or claimed. 
ON XXXX XXXX, XXXX I sent a Citizens a wriiten inquiry regarding the XXXX XXXX, XXXX answer to my wriitten error inquiry. 
Citizens failed to acknowledge receipt of this inquiry with five days. 
Citizens failed to answer my XXXX XXXX, XXXX inquiry by 30-days. 
On XXXX XXXX, XXXX I sent a sent another written inquiry for failing to respond and request an immediately answer and the documentation in support of Citizens claim on XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I am in a hardship that started as the impact of hurricanes Irma and Maria, therefore, I had not been able to keep my account with Syncrony Bank open for their Pep Boys Credit Card. I had closed my account and had contacted the issuer of the credit card of pep Boys and they had raised all sort of fees and will not allow me to enroll in  their hardship program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than XXXX pulls because I didn't want any hard inquires on my credit, however I ended up with more than XXXX hard inquiries from auto financing without my consent. Also there are some credit cards applications that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXXXXXX / XXXX / {$0.00}
Product: Debt collection

On XX/XX/2021 I sent a letter to a collection company that is trying to collect an alleged debt of {$1400.00}. I request verification of the alleged debt pursuant to my rights under the FDCPA. I request a copy of a signed contract and I also request the cease and desist of all collection activities including credit reporting and to delete any and all reporting made to any consumer credit reporting agencies. They failed to address my very specific legal request and are in clear validation of the FDCPA. 

1st, they failed to obtain and send me verification of the alleged debt by not mailing me a contract or an agreement with all parties involved. Instead they sent me a letter with " a summary of the information listed in the alleged file ''. This is not what I requested and under the FDCPA it is unfair or unconscionable that they attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating debt permitted by law. Also my personal information was released without my consent to a third party.

2nd, they failed to cease and desist and delete the credit reporting of the disputed alleged debt. Under the FDCPA, it is false, deceptive or misleading representation or means in correction with any debt to communicate to any person ( consumer credit reporting agencies ) credit information that is known, or which should be known to be false
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER:XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Product: Credit card or prepaid card

I have the Gemini XXXX, it regularly gets rejected, or stops working for no reason. I have opened up multiple tickets, and there is never any resolution, they just say that " a fraud prevention algorithm prevented the transaction ''. And this is after multiple support calls, where they are completely unable to tell me why my card isn't working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

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

For some reason, the last day I was able to get my Credit score and Report was on XX/XX/2022, after this day my CREDIT REPORT WAS WIPED OFF. No credit score, no credit report. The next day it shows One account opened. I called several times to find out what the issue is and to file a complaint about it. The only thing the Reps and Supervisors did is to file a report and they will send it to technical support. Today XX/XX/2022, my middle name was changed, so what happened? Called and spoke to XXXX and he will file a report to update with the right personal information. 
XX/XX/2022, Spoke with Supervisor XXXX, he said will file, fill out a Form request and send it to the Technical dept. He reviewed my credit report and mentioned that for some reason my credit report is available thru XX/XX/2022, then everything is Blank, and has no explanation as to what happened. 
XX/XX/2022, per XXXX XXXX recommendation to close my account and reopen it, she said that might help, but still same issues, NO CREDIT SCORE, NOT A SINGLE ACCOUNT ON MY CREDIT REPORT. 
On XX/XX/2022, I spoke to XXXX XXXX, to check the status of my complaint, so after being on hold for 6 minutes she asked for my personal information and a Supervisor who will call me back, SO NEVER HAPPENED. So, every time I called them, I'm just back and forward, and Experian not able to help. Their system and technology are vulnerable to anybody and can make our lives as consumers MISERABLE if our information when into the wrong hands. As a consumer I expect, demand and EXPLANATION, FIX THE ISSUE, and to be COMPENSATED for all problems they are causing, including my frustration, health, and time spent.
Product: Credit reporting or other personal consumer reports

I AM THE ORIGINAL CREDITOR!!! 

ONLY I CAN VALIDATE AND OR VERIFY AN ALLEGED DEBT!!!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt or credit management

I paid for credit repair services from Lexington Law firm but I never received the services and I made no impact on my credit report or resolve my debt.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report
Product: Credit reporting or other personal consumer reports

The card is paid in full on statement and they are reporting a balance incorrectly illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. Thank you.