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

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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. Equifax continues to state that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX -T ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 an account without my written instructions.
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. 

XXXX : # XXXX,XX/XX/XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ) : # XXXX,XX/XX/XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : XX/XX/ has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX, a french bank based in XXXX ( XXXX ) wired XXXX euros towards my Bank of America account located in XXXX XXXX, CA ( XXXX ). This is NOT the first time this bank wires me funds, it's the XXXX wire this year. I also regularly receive wires from a french company called XXXX every month, and this has been going on for a few years. For each wire, Bank of America charges me XXXX dollars. 

On XX/XX/XXXX, I received a message from my french bank stating that Bank Of America was requested a " reason '' for the transfer and was not applying the funds to my account yet. The funds had cleared the french bank on XX/XX/XXXX. Despite my frustration, I submitted to Bank of America, through my french Bank, a copy of the contracts for which I am getting funds disbursed in XXXX. I attempted to call customer service at Bank of America three times, and every time I was told the that all was normal on my Bank of America account, and refer to my french bank. Which I did. My french bank sent me a copy of the message received from Bank of America stating that the funds were not applied yet to my account and I needed to submit documentation within 2 days. Which I did. 

Today, on XX/XX/XXXX, the funds have not returned to the french bank, and they are not in my Bank Of America account either. Bank Of America keeps telling me I should refer to my french bank, and the french bank has received no new communication from Bank Of America. It has now been XXXX weeks that the funds have left my french bank, the only information that I have is that Bank Of America is holding the funds, and those funds are nowhere to be seen. 

I'll pass the details on how humiliating it is for a customer to have to beg their own bank for money they have worked hard to obtain. Beyond this, I am baffled that in a free country one has to beg for their money at a bank. If I had been living in XXXX or XXXX, it would make sense. Not in the United Stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting fraudulent items on my credit report. The account is Kovo Inc I dont when it was opened but Ive attached the police report and FTC report and again this placed back on my credit report
Product: Debt collection

I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred
Product: Debt collection

I sent a debt collector letter for Amcol not to contact me about this debt. I do not owe this debt it is not mine. They have completely ignored my letters.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXX XXXX XXXX TransUnion for Failing to Correct Inaccurate Late Payment Reporting on Account XXXX XXXX Dear CFPB, I am filing this complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account identified as # XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information contained in consumer files. Despite providing clear evidence of inaccuracies in my payment history, TransUnion has failed to fulfill this legal obligation. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : Under the Truth in Lending Act, creditors are required to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and financial standing. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. The failure to ensure accurate reporting violates this protection and continues to damage my ability to access credit fairly. 
Evidence of Error : TransUnion Account Number : XXXX High Balance : {$420.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Last Payment : XX/XX/XXXX Credit Limit : {$3500.00} Two-Year Payment History : XXXX late payment noted in XX/XX/XXXX. 
Impact : The discrepancies in late payment reporting across the credit bureaus have directly harmed my creditworthiness and financial reputation. The inconsistent reporting of XXXX late payments violates my federally protected consumer rights. 
Desired Resolution : XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation from TransUnion confirming the correction. 
Failure to resolve this issue promptly will result in further escalation, including legal action and filing additional complaints with relevant regulatory agencies. 
I trust that the CFPB will assist in ensuring compliance with federal laws and protecting my consumer rights. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received an email notification of suspicious activity within my debit/checking account. I contacted Wells Fargo within one hour of receiving the notifications and confirmed fraud had taken place. The fraudster had gained access to my account and attempted to electronically transfer {$1000.00} plus take {$9800.00} from a line of credit. My accounts were closed immediately. I spent 90 minutes on the phone verifying my identity, being interviewed, and receiving instructions that I had to go in to a branch to have new accounts issued, which I did. It is now eight days later and Wells still has not returned the {$1000.00} that was attempted to be transferred out of my checking account. After several phone calls to Wells ( with wait times of over 30 minutes! ), I'm still being told that this process takes at least 10 business days or 2 calendar weeks to " investigate. '' This is ridiculous!! I can understand maybe up to 72 hours, but 2 weeks?!! I don't have an extra {$1000.00} to sit on while they " investigate '' what happened! They were notified with 60 minutes of the attempted transfer and thus NO FUNDS were moved -- this was not a wire transfer but rather an ACH transfer. I understand these are the " rules '' that they have 2 weeks to investigate, but come on, that's a bit excessive. All banks, including Wells, should be  required to be more efficient in their fraud processing because we mere consumers don't have the luxury to have our food and gas money tied up for weeks!!!
Product: Mortgage

Hello again. 

Every response from Mr Cooper is carefully crafted to read as if Mr Cooper has been on top of their mistake. I assure you, after months of my time, efforts, and financial sacrifices, they have not been. Thus, my complaints. I am fling yet again. 

( re : Mr Cooper failed to pay my monthly insurance policy, resulting in a sudden raise of my monthly mortgage payment and an escrow shortage. ) Prior to the CFPBs involvement, I'd paid 3-4 months of additional monies to Mr Cooper as a result of Mr Coopers mistake and asked that those over-payments be reimbursed to me, as well as the extra {$1000.00} I sent into escrow to cover this " shortage '' ( caused by Mr Cooper for non-payment of my insurance ). Since CFPB 's last inquiry, my escrow has been further compromised and I am suspicious of fraud. 

I am currently receiving three billing statements per month from Mr Cooper. They still notate a {$13.00} shortage ( impossible ) that has been applied monthly to my bill, which I must pay. But when I call, both the system and a representative tell me my escrow is POSITIVE {$2400.00} ( reflecting all of my over-payments ). Mr Cooper is still trying to take monies from me. 

I have been incredibly patient and inconvenienced of time, money and sacrifices in handling Mr Coopers mistake. Enough is enough. Who is responsible for holding them accountable? I want this matter resolved. I am a responsible homeowner and always on time with my obligations/ payments. Mr Coopers inability or unwillingness to amend their error and correct my account remains a large disservice to me. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Late payments incorrectly reported between XXXX XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim in a cyber hack or identity theft. this non-account holding inquires with : Synchrony Financial shown on my report as ( SYNCB/AMAZON ) and with the date of XX/XX/XXXX on my XXXX consumer report, and also it is shown as ( SYNCB/XXXX ) with the date of XX/XX/XXXX. Synchrony Financial is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. They are NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Debt collection

Experian is reporting on my credit report false information i have sent them letters and they keep putting it back on my report the are in violation of the FCRA!!! i only have a car on my report nothing more!! i want to discover card deleted permanently!!!!!!! 
i will not rest i also want to sue them for violation of the FCRA!!! delete now!!!!
Product: Credit reporting

I have tried to correct these accounts that show opened at the XXXX, Equifax and XXXX. I have no idea what they are for, only showing that the opening dates are XXXX/XXXX/12 : for {$26.00}, {$10.00} and {$24.00}. The original company submitting these accounts were from the XXXX. I have been unable to obtain any acct. numbers, or contact information for this above agency.
Product: Debt collection

I moved out of the   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX  , Oklahoma on  XX/XX/XXXX . The Apartment manager had my Florida address as a point of contact when I moved out.   XXXX   XXXX   never made contact with me in an attempt collect an alleged debt for a dirty carpet and kitchen drip pans in the amount of {$87.00}. This alleged debt can not be considered " past due '' because I was never notified, and never given an opportunity to resolve this.
I was contacted by CSI   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Ok.  XXXX  sometime in  XX/XX/XXXX . I disputed the alleged debt with CSI, and they placed a late payment/collection with  XXXX  and   XXXX    credit reports. I disputed the placement with  XXXX , and they deleted the entry. The matter remains in dispute with  XXXX .
CSI is acting in violation of the Fair Debt Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. XXXX mortgage with datesXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. XXXX. Universal credit with dates of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. XXXX XXXX was n't given permission to run my credit on XX/XX/XXXX. XXXX XXXX for on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX. 

These inquiries appear on all three bureaus : Transunion, XX/XX/XXXX, and XXXX. 

Please have these unauthorized inquiries removed immediately.
Product: Credit card

synchrony bank has every intention of refusing to accept payment in full and adding fees and charges to continue demanding payment after the account has been paid in full. synchrony bank refuses to issue a final payment agreement with the intention of stringing along an extortive relationship. synchrony bank uses deceptive ploys to avoid resolution of the account such as falsely claiming to not be able to find the account or using my attempts to discuss and resolve the account as information fishing opportunities; refusing to discuss any account information unless I give them personal information other than my account number, name and phone number. these are not honest business practices and not oriented to account security in any way ; this is extortive and part of a consistent pattern of criminal behavior by synchrony bank. I am trying to pay off a debt to protect myself from a criminal organisation masquerading as a legitimate business. synchrony bank refuses to allow me to pay the debt at its actual value and release me from any business relationship with them. their intention is to continue to extort, defamate, harass and thieve as they have demonstrated is their business model.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complete Identity theft report # XXXX and XXXX, XXXX and Transunion have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.
Product: Money transfer, virtual currency, or money service

My credit union would not cash the travelers checks. Called XXXX XXXX who recommended a bank on their web site which was XXXXXXXX XXXX ( old XXXXXXXX XXXX ). Went to a local XXXXXXXX XXXX who said they could not help me. They did, however, recommend Bank of America down the street. My travelers check were issued by XXXXXXXX XXXX  that was bought out by XXXX XXXXXXXX XXXX which was bought out by Bank of America. My visit to Bank of America resulted in no help and no answers as to how I could cash the travelers checks. They recommended a US Post Office. I went to a major local post office with supervisors and managers, but they said they could not help me ; no do not cash travelers checks although the Internet says they do. 

Now I am stuck with travelers checks that " Never Expire '' that no one will take nor even tell me who or where the escrow funds are kept. It seems that the banks have absconded with the money. Question is, which one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX 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/year> XXXX XX/XX/year>