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

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where, Experian has never corrected nor removed disputed items dispute the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems , Inc, XXXX XXXX dba XXXX XXXX XXXX XXXX accessed my consumer file without authorization or consent ( my personal consumer files are frozen with fraud alerts ) .I received no phone call to verify my identity as listed on report. I hold a joint account and one business account with XXXX XXXX since XX/XX/XXXX. 

XXXXr XXXX refused to release copy of the consumer report obtained with my personal information attached to business member application with unintentional error. Company information was updated XX/XX/XXXX. 

Based on consumer reporting obtained through an unauthorized 3rd party, XXXX XXXX XXXX XXXX dba XXXX XXXX adversely affected my creditworthiness and trust with their financial institution in all business matters. I am a XXXX member and their acts were malicious, misleading, and cruel. 

Every month over the last 90+ days XXXX XXXX XXXX  and XXXX/XXXX  play with my consumer file as if I am an adolescent there is either additional erroneous conflicting information added and/or updated for dispute than they will update each credit XXXX XXXX XXXX and XXXX/XXXX one day apart either 2 or 3 times each month to stagnate my credit lowering the 100 points XX/XX/XXXX to present for accounts either settled or closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal notice and complaint for the harm caused by XXXX, Experian and XXXX on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!!

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!
Product: Credit reporting

Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. 
Thank you
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XX/XX/XXXXXX/XX/XXXX
Product: Credit card

XXXX opened another credit card under my name without my knowledge at the time of their presentation. While finalizing a sale, they told my mother and I they opened us both new cards so they can put a downpayment on one of the cards, and they could tell us who the charge went to. I asked them about the card, and they said to just call XXXX and cancel the card and lied about this card hurting my credit. My credit shot below XXXX with them opening up a new card for me. This is the 3rd card they have opened for me, unauthorized. They are shady. This last card they opened was on XXXX XXXX XXXX I believe the {$5000.00} downpayment went on my mother 's card, but I'm concerned about this {$4000.00} credit lined they opened up for me without my consent. The previous two times, they opened up a {$5000.00} ( open but not activated ) and a {$2700.00} ( automatically closed from non-use in XXXX XXXX  ). All without my consent and this is hurting my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate 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. 16811, 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. XXXX ) 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Stolen Account what account open in my name stole identity online purchase
Product: Mortgage

Lender refuses to honor my request to remove PMI from my mortgage. In reviewing the Homeownes Protection Act of XXXX I meet two qualifications for removal 1. The signed PMI disclosure for my loan contains XX/XX/XXXX, as the anticipated 80 % LTV date.

2. An appraisal conducted on XX/XX/XXXX, by the lender showed a 80.1 % value. The value is now less than 80 % LTV based on this valuation and principal payments made since the apprasial Lender responded to my written request with a denial letter stating investor guidelines require 75 % LTV before PMI requirements are removed from my loan ; this is contrary to the signed PMI discusure. Multiple requests for additional information from the lender have failed to produce a copy of this guideline. Further, CFPB bulletin XXXX states that the HPA prohibits lenders from applying investor guidelines that restrict a borrowers ability to request removal of PMI when 80 % LTV is actually achieved or at time the estimated 80 % LTV date in the PMI disclosure is reached.
Product: Checking or savings account

I had a money market account with First Citizens Bank for over 14 years. This year I decided to move my money to an online account that paid a MUCH higher interest rate.

First Citizens was paying 0.05 %. The online bank was paying 1.85 %. I transfered money from First Citizens to XXXX XXXX in three separate transactions between XX/XX/XXXX and XX/XX/XXXX. XXXX had charged me {$3.00} per image fee so I left {$570.00} in the XXXX account to make sure I didn't close it owing them any money.

I opened my XX/XX/XXXX/XX/XX/XXXX bank statement. On an average balance of over {$31000.00}, they paid me {$1.00} interest. THEN they subtracted {$3.00} for what they called an image fee AND another {$10.00} service fee because my balance was now {$570.00}. This was the straw that broke the camel 's back and I went online and was told could close the account online. This was after bank hours either XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was told to expect a check in about a week. On or about XX/XX/XXXX I called XXXX XXXX   and was told by a male employee ( did not get his name - was a very short XXXX  syllable name ) who said the account had been closed and to expect a check soon. I waited about a week and called the bank back. I was told this person no longer handled matters like this. I asked to speak to a bank manager who was no help. I looked online and found the home office - which I called. Again I was told the account had been closed and that the check was on its way. Again - no check. I called the home office again and spoke to XXXX  who said the account was just closed on XX/XX/XXXX and the check was mailed on XX/XX/XXXX and that I need to give it 7 to 10 business days to get here. XXXX said the information she gave me came from XXXX. A few days later - not being so trusting anymore - I called the home office again and spoke to XXXX who also said the account was closed on XX/XX/XXXX. Now at last, I was getting the same story twice in a row.

Now - I get my XX/XX/XXXX/XX/XX/XXXX statement. My account is now closed. It was closed before XX/XX/XXXX. There is a copy of a check made out to me in the amount of {$570.00} included in this statement. The date on this check is XX/XX/XXXX But how can this be? I was told the account wasn't closed until XX/XX/XXXX That was 45 days ago. I need your help - someone is giving me the run-around or so it would seem. Thank you for your help in advance.
Product: Bank account or service

RBS Citizens Bank NA is intentionally deceiving its customers by manipulating its transaction processing in order to extract {$35.00} overdraft fees. Citizens represents to its customers that they will not be assessed an overdraft fee if they cover the overdraft balance on the same day ( i.e. by moving money from their Citizens savings account to their Citizens checking account ). However, they intentionally withhold processing of certain transactions until XXXX. Therefore, customers overdraw in the middle of the night, and only have 59 seconds to both recognize the overdrawn account and to complete the transfer request. I have been a Citizens customer for 27 years, this has never happened before, and Citizens refuses to waive the {$35.00} overdraft fee, even though funds were moved from savings to checking to cover the overdrawn account on the first full day of noticing the account. Citizens ' intentionally manipulative policies entice customers to rely on the ability to move funds to avoid a fee, and then takes advantage of this misplaced reliance to extract exorbitant fees. Citizens must either change its processing to put through transactions as they occur ( similar to other national banks ), or notify customers that they should not rely on the " same day '' policy -- as that same " day '', in most cases, is less than 60 seconds.
Product: Debt collection

I have contacted XXXX XXXX numerous times to resolve this matter and they havent responded for XXXX XXXX to cover the claim they gave my birthday items to the wrong house when I told them to stop the package I was in XXXX celebrating they lost it and years later Im still having to handle this matter empty handed
Product: Mortgage

We have been trying to get a modification from Rushmore loan servicing and they have constantly been giving us a hard time. We applied several times because we are anxious to start repaying our mortgage. They keep miscalculating our income, or find some other reason that does not make sense. The last time they denied us, one of the reasons is that since I was on unemployment due to Covid closing of my company, they said they cant offer a modification on unemployment income because its temporary. However my company reopened two months ago and Im once again back to my usual income. We reapplied and they denied us and told its our denial is permanent.

HOW CAN THEY TELL US THEY TURNED US DOWN FOR TEMPORARY INCOME, BUT THEN WHEN WE REAPPLIED WITH GUARANTEED IMCOME, ,THEY ARE STILL JERKING US AROUND? DID THEY LIE TO US??? IF THE REASON THEY STATED WAS REMEDIED, THEN WHY NOT GO AHEAD WITH THE REVIEW???

Also, we got Sheriff sale date even though we never received a court date, nor even a copy of a judgement against us. How can this XXXX? Where are our documents we should have gotten to come to court? Where are the judgment documents that we never got? Seems to me this is a case for a judge because too many unanswered questions and irregularities concerning this bank and their lawyers.
Product: Debt collection

I sent a cease-and-desist letter to I.C. System on XX/XX/year>, requesting that they cease all communication with me regarding an alleged debt. Despite this clear request and prior notification, the debt collector reported the account to my credit report, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 805 ( c ) and 15 USC 1692c ( b ).

To clarify, I sent the cease-and-desist letter before the account was posted on my credit report. After being notified, I.C. System proceeded to add the account, which qualifies as a form of communication in violation of the FDCPA.

I demand that this account be immediately deleted from my credit report. Additionally, I request that I.C. System send me written confirmation of the account 's removal and assurance that no further collection attempts will be made. 

I am aware that each violation of the FDCPA entitles me to monetary compensation. If this issue is not resolved within the next 15 days, I will proceed with filing a lawsuit with the State Attorney to seek such compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I contacted Transunion Credit Bureau to request the inquiries that were not mine too be removed -- they explained to me that I had to send a written letter to them and the business requesting for the inquiries to be removed -- -In XXXX I sent letters to transunion and the companies to remove the inquiries -- -- this is XX/XX/2021 and nothing -- -on XXXX the XXXX XXXX I called Transunion to ask why was the inquiries were not removed -- the agent told me that I had to go and get a police report saying that I wanted the inquiries removed -- -I do not think the police can help me -- -I did not go to the police stattion because I do not believe they can help -- -- If I have to go I will -- also I explained that one of the creditors wanted to give me a credit increase without my consent -- -I explained to her the problem and she said that creditors can pull my credit if they fill like they need to without my consent -- -I was sure that any time anyone pull your credit report without your consent it is against the law
Product: Debt collection

Hunter Warfield calls all day or night about multiple people who do not live in this apartment, i have told them multiple times they do not live here.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, a fraudulent transaction occurred on my account, resulting in a charge of {$860.00} for a purchase I never received. Initially, PayPal took the case and we exchanged receipts. However, without requesting any further information from me and only 2 photos from the vendor, they later made their decision, siding with the seller and ending the opportunity for the refund amount. 

I have strong reason to believe that PayPal did not conduct a proper investigation, as there are multiple legal documents and petitions proving that this transaction was fraudulent. The seller engaged in a bait-and-switch scam, falsely claiming that I was aware of certain stipulationsdespite the fact that the transaction was never made through an online order, and no policies were outlined on the invoice. 

Adding to the suspicious nature of this transaction, the fraudulent vendor was operating out of XXXX using an account that did not match the businesss actual name. PayPal is not even a valid payment method in XXXX, yet the business in question, operating under the name XXXX XXXX, was still able to process the payment. This raises serious concerns about PayPals enforcement of its own policies and its apparent support of vendors engaging in fraudulent activities. 

I am seeking a thorough and fair investigation into this matter, as the handling of my case thus far has been both unjust and deeply concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX XXXX, I had gotten denied for an apartment where I was required to pay XXXX $ for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX $ loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.
Product: Mortgage

My mortgage company i Nation Star on XX/XX/2015 i mail a payment to Nation Star and they stated that they did not receive it so i XXXX XXXX another payment of XXXX so that i would not be late with my mortgage doing the right thing the check came in on XXXX XXXX 2015 i put a stop payment on the wrong check from my bank so it went through, i XXXX XXXX on the XX/XX/2015 i have request several times for a refund from this mortgage company to give my XXXX back and has been denied. i have been getting the run around saying that they are trying to help they are not trying to help they tell you what you want to hear on the phone and when you call back to fallow up your request has been denied how do you just take my money.. i would like to know where i can go to take legal action if this does not get resolve i have been going though this for months with these people all they do is lie
Product: Credit reporting, credit repair services, or other personal consumer reports

Proven hippa violation!!! 

Both Equifax and XXXX has favored XXXX XXXX XXXX every single time and now i have the proof because they sent to me what they used for validation and it is a direct HIPPA violation.! Remove these accounts immediately or I will file suit against you in 48 hours in XXXX XXXX XXXX XXXX XXXX, NC. You failed me so many times i am not happy! 

Delete those XXXX XXXX XXXX accounts immediately!!
Product: Vehicle loan or lease

Flagship Credit Acceptance LLC issued a deceptive form as a contract. Repossessed the vehicle, sold it, and still continues to furnish negative information to the credit agencies for years now. I have asked them to validate this alleged debt and they still have not provided me with the required documentation pursuant to 15 USC 1692g nor the documentation I requested from them. I am attaching the correspondence I have sent them, everything is over 40 pages, so I am only attaching what I have sent them and their last response to me. If all 40 pages are needed I can forward upon request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX i took a second look at my credit report and i nocticed that this account above is still not reporting accurately. I 4 late payments on account that was in fact paid on time. The consumer reporting agenices 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. Experian reports XX/XX/year> 30 days late, XX/XX/year> 30 days late, XX/XX/year> paid on time, XX/XX/year> 30 days late XXXX paid on time. XX/XX/year> 30 days late, the rest of the year the data is unavailable. XXXX reports XX/XX/year> 30 days late, XX/XX/year> 30 days late, XX/XX/year> paid on time and XX/XX/year> also shows paid on time but for the rest of year shows data unavailable. XXXX reports XX/XX/year> 30 days late, XX/XX/year> 30 days late, XX/XX/year> paid on time but the rest of the year shows data unavailable. I'm reguesting that you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason : I'm disputing the company XXXX  XXXX XXXX, Account Number XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( XXXX, XXXX, and Equifax ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. Equifax is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But XXXX is only showing 30 days late for those months. I also contacted XXXX by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.