23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My SSI benefit was to be posted on XX/XX/2020 However Social Security said they processed it and a direct deposit was made onto my direct express card!!!!! But where is it?????? It never made it on my card!!!!!!!!! Please help!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, XXXX XXXX, and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 
PLEASE PROVIDE INFORMATION ON HOW YOU VERIFIED THESE ACCOUNTS! 

[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX XXXXWashington, D.C. XXXX Dear Consumer Financial Protection Bureau XXXX Subject : Formal Complaint Against Equifax for Non-Compliance and Negligence in Credit Reporting I am writing to file a formal complaint against Equifax for their failure to correct inaccuracies in my credit report despite multiple requests and provided documentation confirming the errors. This negligence has significantly affected my credit score and overall financial standing. 

1. Incorrect Account Entries : Despite clear evidence and repeated notifications, Equifax has failed to remove erroneous entries associated with XXXXXXXX XXXX and XXXX XXXXXXXX accounts from my credit report. These accounts were never opened or authorized by me. 
2. Inaccurate Address Listings : Equifax continues to list multiple incorrect addresses on my credit report. My only current and correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. This error has been pointed out numerous times without resolution. 
3. Unauthorized Credit Inquiries : Equifax has not taken action to block unauthorized credit inquiries from entities such as, request an immediate block on all inquiries from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as these inquiries were not authorized by me. despite my explicit request to do so The persistence of these inaccuracies despite my efforts to correct them suggests a systemic issue within Equifax regarding data management and consumer rights protection. This failure not only undermines my financial health but also exposes a lack of adherence to the Fair Credit Reporting Act ( FCRA ), which mandates prompt and accurate correction of credit report errors. 

Given the severity of these issues and Equifaxs continued negligence, I request the CFPBs immediate intervention to ensure that my credit report is corrected and that Equifax adheres to the legal standards set forth by the FCRA. I am prepared to provide all necessary documentation and correspondence that substantiate my claims. 

I appreciate your attention to this serious matter and look forward to your swift action to rectify these ongoing issues. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase continues to report delinquencies for Chase account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXXtax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Product: Mortgage

I want to file a complaint against Seterus Inc. XXXX was suppose to take the check that I sent in for my Escrow Account for {$500.00} back in XX/XX/XXXX, which they applied as a partial payment, though I sent in my normal payment for XXXX, XXXX, and XXXX of XXXX. Since they were not willing to apply to my escrow account, nor return the money to me, we discussed that this partial payment would be reversed and applied to my principal balance, which I agreed to. Then I get a letter from her responding to me that no, they did not do as we discussed, instead she took the payment I had sent in for my XX/XX/XXXX payment and reversed it instead. Then she went on to reverse all of my payments for XXXX, which should not have been affected and then put my account in Suspense. I have been denied refinancing of my loan with another bank as Seterus Inc has reported to the Credit Reporting Companies that I have been 180 day delinquent on my loan. I have never been late, nor missed a payment and now I have been denied refinancing because they have falsely reported to the credit bureau 's regarding that I 'm delinquent. I have my canceled checks to prove this. This is ruining my lively hood and my credit worthiness. I would like to know how can they continue to get away with running people lives like this? How do I get this corrected? Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Portfolio Recovery Associates , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires dated back to XX/XX/XXXX from a company called XXXX for XXXX , XXXX XXXX XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors
Product: Checking or savings account

Navy Federal charging fees to account and letting chargers approve when funds was not available. Having to transfer funds
Product: Payday loan, title loan, or personal loan

According to section 15 US C 1666b- timing of payments Section 15 US C 1681bXXXX are not allowed to furnish anything on ones credit report without person written consent
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  Account # XXXX, -- -- -XXXX XXXX XXXXXXXX Account XXXX XXXX, -- -- - XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83  Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX Times 30/60/90 Days Late 0/0/ ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I went into the Conn 's store located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I went in looking for an entertainment center for my living room. I found the one I wanted and was approved for it. I had it delivered to my house. It was delivered by a contracting company that Conn 's uses for its deliveries. The gentlemen began to put the entertainment center together, it was 3 separate pieces. Once it was put together we noticed that all 3 pieces were not going to fit on the wall in my living room. So I advised the guys to return the entertainment center. They packaged the pieces back together and put them back on the truck. When it was time for me to sign off on the delivery and acknowledge that I was returning the product the young man told me that his digital device was not working and that he would send confirmation once he got back to the warehouse. I called Conn 's to advise them of this as well and they said that would follow-up with the warehouse. On XX/XX/2017 I went inside of the store that I purchased the entertainment center from and spoke directly with the store manager. The store manager assured me the this would be taken care of and the purchase we be voided. On XX/XX/2017 I called Conn 's because I was still being charged for the entertainment center. I spoke with XXXX rep # XXXX and call confirmation # XXXX. XXXX stated that I would receive a call back from management within 72 hours and I never received a call back from anybody. I have been dealing with this every since. Multiple phones calls later this is still on my credit and I do not have the merchandise. This is the only negative account that is on my credit report and I want it removed permanently.
Product: Mortgage

The company that is servicing my loan ( Shellpoint ) holds money in an escrow account. They are supposed to disburse my property taxes and homeowner 's insurance from this account when due, but so far they have not done so. The XXXX XXXX County tax collector website currently shows my tax as past due and my XXXX insurance agent says a payment has not been received, which would essentially mean my home is no longer insured. I have called them repeatedly to discuss this situation and no action has taken place. How can they hold my funds and not make these scheduled disbursement, the result of which is increased risk to me.
Product: Money transfer, virtual currency, or money service

XXXX {$500.00} transfers from my bank to chime. deposits still pending and no one can give me a reason why?
Product: Credit card or prepaid card

Tried to use my CITI Costco Business card on XXXX/XXXX/2017 at a restaurant. It was declined twice. Called up the Customer Service number and was told that the Citi Executive Response Unit has made the decision to cancel the account and they can not give me a reason. I am supposed to mail a letter to Executive Response Unit, XXXX XXXX XXXX, XXXX XXXX, SD XXXX and wait to hear from them. That is the only way I will get an answer. There is no telephone number to contact them. Meanwhile ; I am left with no Business Credit Card for reasons unknown to me and Customer Service at CITIBANK will not answer any questions
Product: Checking or savings account

Well Netspend Ace Elite sent me an email stating that they were a problem with my account and to call. I called several times they place you on hold than after 45mins to an hour it hangs up. Its so frustrating because I have a lot of money i. my savings with that account. So when I emailed them they told to me send certain documentation to prove its my account did that they say it wasnt enough and to call. Again they dont answer!!!
Product: Debt collection

XXXX calls : XX/XX/XXXX XXXX am Hello, my name is XXXX with XXXXXXXX XXXX and I am calling to get the name and number of the attorney respresenting you regarding XXXX XXXX I have different options available. My phone number is XXXX Please press option XXXX to enter my direct extension XXXX I will be in the office today until XXXX p.m. central standard time. XX/XX/XXXX XXXX am : Hello, my name is XXXX with XXXX XXXX  and I'm trying to get a message to XXXX XXXX regarding business with XXXX XXXX. I was hoping that you could forward this message and let them know that I am trying to reach them and I have different options available. My phone number is XXXX Please press option XXXX to enter my direct extension XXXX I will be in the office today until XXXX p.m. XXXX XXXX XXXX DIED XX/XX/XXXX and I divorced him in XXXX. I am NOT associated with him, nor his depts, nor his continued crimes.
Product: Credit card or prepaid card

My credit limit is {$13000.00}. 
My credit was fully used and slightly exceeded. 
The XXXX XXXX Barclays - company rejected a few minor charges stating declined credit exceeded. 
Then Barclays accepted a charge for {$3300.00}! and added it to my unpaid balance. I have had repeated conversations with them asking them to reject the charge as they did with other minor charges. I asked how my credit limit was increased and why I was not contacted before they accepted that outrageous charge. The agent indicated that my credit limit was not increased. I asked then how was such a large charge accepted. They told me they would open a dispute and it would take 45 days. I told them it took only one day to add the bogus charge to me account, exceeding my limit and not contacting me prior to clearing the charge. Their repeated answer is " the charge went through ''. I insisted they reverse the charge and credit my account. They have not done so.
Product: Mortgage

I was several months behind on my mortgage. I applied for a loss mitigation only to be denied. I received my federal income tax return on XX/XX/XXXX. First thing I did was call loancare llc to pay my past due to bring my account current. I gave the representative my correct Bank checking account number and routing number to Make a one time payment to bring it current. Loan care then proceeded to take this payment out of another checking account I had on file with them not the one I gave them access to which in return sent the account they charged into the negative. I have called 6 times to try to resolve the issue in which I received the same answer each time that they would have to review the call and will call me right back and I have yet to hear from anyone.
Product: Credit reporting or other personal consumer reports

Hello, My Dispute involves a Negative comment reporting on my credit report for the last 16 Years that I would like removed. 

In XXXX my Husband and I filled Bankruptcy. The Bankruptcy was discharged that same Year. We had a mortgage with XXXX XXXX XXXX and loan and we wanted to keep our home so we " Reaffirmed '' the debt ''. 

The loan was paid in Full and closed in XXXX of XXXX. The concern is that XXXX XXXX continues to report that the mortgage debt was " reaffirmed ''. It has been over 16 years and this negative comment is adversely affecting my credit score. EQUIFAX is showing a low FICO score and indicating a bankruptcy is affecting my score, however the Bankruptcy in and of itself is NOT showing on my credit report just the " REAFFIRMATION '' of the debt. I have asked " XXXX '' to remove the comment and they are indicating the it is Equifax 's responsibility to remove Negative comments after 7 years. It has been 16 years of reporting this negative comment. Please help. 

Equifax says that XXXX XXXX is responsible for moving this comment and " XXXX '' insists that Equifax remove the comment. This back and forth has been ongoing for the past 6 months - The comment gets removed, then gets put right back on. This is affecting my credit score. 

I need this comment removed as it gives the impression that bankruptcy has been filed recently, and again negatively affects my Fico score.
Product: Student loan

I submitted an employment verification form for XXXX to XXXX XXXX ( XXXX ) on XX/XX/XXXX. The employer in question had previously been approved ; this application was for a new twelve-plus months worked. XXXX never verified this employment, but they didnt deny it, either. My loan was then transferred to MOHELA around XX/XX/XXXX. MOHELA also did not verify or deny my eligibility. I thought that perhaps the form had been lost or forgotten in the transition, so I re-submitted it to MOHELA on XX/XX/XXXX. When they did not respond in a timely manner, I inquired via email on XX/XX/XXXX. Several weeks later, MOHELA sent back a generic message asking me to call them instead, and that they were unable to reply to my message. I called and never could speak to a person. Today ( XX/XX/XXXX ) I went online to check my qualifying payment count, and it was still missing that period of payments. The re-submitted form from XX/XX/XXXX had been denied due to being a duplicate. The original form still has not been acted upon, and its now over 8 months old. My qualifying payment count remains inaccurate.
Product: Credit card

I submitted XXXX XXXX ( applications to AMEX and was given no benefit. I called, spoke to XXXX agents to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of investigation this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CSPB take action to ensure Equifax complies with the federal law and provides consumer with the necessary proof of investigation.