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

I am filing a complaint against Equifax for failing to propery 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. 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. 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. These are the accounts that I marked as inaccurate XXXX.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX with the loan company ally financial in 2014. Not soon after I got XXXX and XXXX XXXX in the XXXX XXXX XXXX as a XXXX XXXX. I lost my job and had no way of paying it back so they repossessed it and sold it again and left me with a bill of {$14000.00}!!! When I bought the car it was only valued at about {$20000.00}!!! I feel they took advantage of a XXXX man that had a family to feed and now are trying to destroy my life so I cant even get a cheap car financed now.
Product: Payday loan, title loan, or personal loan

Company keeps calling my place of employment after being told several times to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act this creditor 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Removal of unauthorized inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XX/XX/XXXXFraud alert was placed XX/XX/XXXXon Transunion Credit Report XXXX Transunion refuses to remove inquiries. Please delete.
Product: Credit card

I was affected by Hurricane Milton and my income decreased considerably, I called XXXX XXXX XXXX is issued by XXXX XXXX  XXXX XXXX, specifically at this number XXXX XXXX XXXX. On XX/XX/XXXX and asked for assistance to be able to skip my payment for at least XXXX months to catch up on payments. I made a request about federal program bank debt relief hurricane milton florida. They filled out the application and told me that they would call me in XXXX business days. A month has passed and after calling more than XXXX  times they give me the same answer that I waited for XXXX business days and apologies. It seems that there are no supervisors, there is no manager, there is no one. They are working on their own and they say always wait XXXX business days for us to call you back. And well, nothing is certain forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters on a few more occasions but still no response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that does not protect my rights under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have filed the proper FTC affidavit and police report. I sent a letter with both attached to it to XXXX XXXX. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!
Product: Credit card

Got a letter from JP Morgan Chase that said that there was a credit card application that was filed and they wanted to verify that it was me who filed it. I never filed for a credit card, so called JPM and closed that application permanently. Also called XXXX and disputed the credit inquiry, put in a fraud alert for a year so any new credit inquiries will require more steps. Trying to subscribe for a credit monitoring service which seems currently frozen, so will wait a few days and enroll.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX , and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I mailed World Finance a cease and desist which they received by XX/XX/2022. This can be proved with a recent complaint I submitted on XX/XX/2022, complaint number XXXX. I asked for the corporation to send me information regarding the alleged debt. The document is attached. It has been passed 30 days and I have not received the requested items. I also requested that the company request for the account in question be removed from the consumer reporting agencies. This has not been done as this account remains on my consumer reports! I did not give them permission and they didnt give me an option to opt in or opt out!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit leak while trying to refinance home loan
Product: Checking or savings account

In XX/XX/2024 Our Company wrote a check to a Business we had done business with in the amount of {$52000.00}. This check was made payable to XXXX XXXX XXXX for services rendered. This check was altered, changed or remade, to be made out to XXXX XXXX XXXX. This change was made by someone, unknown to us, and unauthorized by XXXX XXXX XXXX XXXX. The check was presented to Commerce Bank and the funds were released, to someone other than XXXX XXXX XXXX XXXX XXXX XXXX never received this payment that we had mailed to them thru the USPS. We in turn, had to re-submit payment for this service and again pay {$52000.00} We have filed this issue with cfpb already and it has been dismissed, saying that we did not report it within 60 days. However on the same letter, that they refuse this claim, it is clearly stated that the check was posted on XX/XX/2024 and that we notified the bank in XX/XX/2024 that this was a fraudulent transaction. We would like another look at this claim, as we have clearly taken a loss of {$52000.00}. The original check was changed and was printed on check paper that does not even match our Business Checks. This means a person was allowed to walk into a bank and cash a check for over {$50000.00} with real verification and at our expense. Please take another look at this and if you can't offer any solution here, can you please direct me to another channel?
Product: Debt collection

EOS CCA is reporting a collection as though it just occurred and that is not the case. There has been no service with XXXX for several years. They are reporting this as a very new account. It passes from once collection agency to another and each report it as a brand new date.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts on my credit report, as I am a victim of a recent data breach and identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts removed from my credit report. 
The following accounts were not opened by me and were added to my credit report without my authorization : XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date : XX/XX/XXXX o Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency refuse to update my personal correctly according to the FCRA! I Tried numerous times sent numerous request to no available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act account XXXX # XXXX, 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
Product: Mortgage

In XXXX I started an application with Amerisave to refinance my home mortgage. Since then, the entire process has been a nightmare. 
Right off the bat, the sales representative made a mistake on my online application and I se two applications started for me ( # XXXX and # XXXX ). I don't know if my SSN was ran twice, and the representative couldn't tell. Then, I was quoted some closing cost of about XXXX , which I agreed on. 
After this, I uploaded all the docs that I were requested and this sales representative told me that on XX/XX/XXXX the notary would have come at XXXX for signing. XXXX XXXX came and went, and when I reached out to the sales representative, he stopped answering. A processor from the company got involved and asked for more docs, which I provided, and quoted me for XXXX $ in closing costs, which made me rethink all this process but eventually I agreed. 
Then I started receiving more emails from this processor asking for docs to be wet signed ( which were already ), and when I tried to reached out to her via email and via phone, I never got an answer. I reached out to the manager and the first salesman called me saying that we were almost done with the process. 
Then I started receiving more emails asking for more docs ( same docs as before ), and a third processor got involved, writing me that she was now the processor and that we needed more docs. At this point ( and we are talking about XXXX XXXX ), I asked to withdraw my application due to the impossibility for me to keep up with this company. 
I am writing this complaint because : 1 ) I want the {$500.00} that they charged me for an assessment back ( which the third processor agreed to refund but never followed up ) 2 ) Get reimbursed for all the time that I spent asking for clarification or that I had to use to write emails or calls that were left unanswered. 
Amerisave is a disgrace and has let me down and costed me time and money
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

USAA bank denied me of credit cards personal and car loans for over 8, years, never offered me anything My yearly salary shouldn't have been the problem in XXXX XXXX making more than XXXX XXXX per year, me personally think it's something to these denials, zip codes you live in, minorities neighborhood, I'm pretty sure, they giving loans to others with less, My the way they're not only banking institution have done this to me, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank to, all denied me credit over 40 years, only banking institution gave me credit was XXXX XXXX just after XXXX years, something wrong
Product: Checking or savings account

I deposited a check on Friday, XX/XX/2018 for {$2500.00}. This check was for services to be rendered on behalf of the person who drafted and tendered the check to me. On Monday, XX/XX/2018, I looked at my account and saw the transaction was no longer pending and that the full funds were available. In light of the check clearing, on Tuesday, XX/XX/2018, I performed the services for which the check was tendered. I relied on the clearing of this check in performing my services. On Wednesday XX/XX/2018, I saw that there was a pending transaction, reversing the {$2500.00} deposit as there were " insufficient funds ''. I contacted Santander Bank ( my bank ) and they said it was strange and that the funds clear within three days. I said yes, it showed clear. I contacted the person who tendered the check and they were extremely apologetic and said they " accidentally '' deposited the funds for the purposes of the check in their savings account instead of checking and that they would immediately deposit the funds directly into my account. That never happened. On Sunday XX/XX/2018, this person stated they no longer need my services and that the money would not be replaced. I contacted the bank again on Monday XX/XX/XXXX and they gave me every excuse available. My funds cleared by the latest that Monday. How could they reverse it on Wednesday. What if that was my escrow account? What if they wanted a refund and I tendered the money back to the person ... only to get the original transaction reversed. The bank send a bunch of things about courtesy in making the funds available but how can anyone transact business without knowing the funds may be reversed? I asked the bank to submit a fraud claim but I was told to contact the person 's bank, XXXX XXXX. XXXX XXXX said I need to contact Santander. No one wants to give me answers, take responsibility or help me. Either she had the funds in the account and withdrew them after I performed the service or never had the funds in the account at all.
Product: Debt collection

They want listen nothing u say one lady who have my friend account she is rude to him I have her fuss at him at and that not rite that bad customer service he tell he be trying and she be saying that not my problem she gave smart mouth his account so now they kept reporting to credit people when he told them come in get it cause he lost his job. Its just to much gone on down there. They tell u anything need new people in there
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I sent Debt Recovery Solution a certified verification and validation letter. They did not respond. Therefore I want the collection removed immediately.
Product: Credit card or prepaid card

On XX/XX/21, I applied and was approved for an American Express XXXX card. The promotional mailing I received stated that I would receive XXXX bonus reward points by spending {$1000.00} in the first three months of the account being opened. This was printed on both the outside of the envelope and then in detail on the enclosed offer. I applied by going to the website listed on the offer letter and entering the code provided. I proceeded to spend over {$1000.00} in less than a month, specifically because I wanted the XXXX bonus points to use toward booking travel around XXXX time. The bonus points and travel I could purchase with them were the only reason I took the card out in the first place. Once I saw that the bonus points were not showing as either awarded or pending, I contacted Amex by phone and a case was opened. After a couple weeks, American Express concluded their investigation and said I was mistaken and that my card offer did not include a welcome bonus. Since, I have repeatedly contacted the company by phone and chat and have spoken to both representatives and supervisors. Despite the fact that I know what the mailing said, because its the only reason I immediately got my phone out and applied for the card, Ive been told that Amex has determined that theres no bonus offer on my card. Even though Amex *still* has a welcome offer for that card ( though its currently showing XXXX points instead of XXXX ), there internal investigation has found that there was no offer on my card at the time I applied ( and therefore that I must have applied for a card with no particular benefits for no reason, I guess ). I requested that Amex reproduce my offer letter, to show me how Im wrong about this, and they said they cant do that. Basically, they got me to take the card out with this really good offer, and now wont honor it and they keep saying theyre right because they say so. 

Unfortunately I do not have the original card offer. I think its pretty reasonable for a consumer to shred such an offer after applying for the card and trust that the company is going to fulfill its offer.
Product: Mortgage

can you send copies front and back of check # XXXX for {$5000.00} XX/XX/2018 send proof that you paid the taxes in XX/XX/2018 for my property
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed paid and o balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.