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

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/year>. In that correspondence, I requested EQUIFAX to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EQUIFAX. I strongly believe that EQUIFAX employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EQUIFAX intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EQUIFAX to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Debt collection

Credit Acceptance not only calls multiple times a day, sometimes even twice within the hour, and from two different numbers! If that isnt harassment, I dont know what it. Just today, XX/XX/18 they called back to back, once at XXXX, and again at XXXX. Theyve done the same XX/XX/XXXX, XXXX XXXX from XXXX and XXXX & XXXX from their XXXX number. XX/XX/XXXX XXXX & XXXX from XXXX. XX/XX/XXXX, XXXX called at XXXX, and XXXX XXXX, & XXXX. This is just from the month of XXXX. This list does not show all the times they called in one day, but only when it was repeated in the same hour my two different numbers. They call numerous times a day.There are several other months this has occurred, but now its getting overwhelming.
Product: Credit card

We had Citi Cards before but cancelled all of them because bad services and rude behaviors. But we were forced to switch to Citi XXXX as XXXX changed the credit card partner because we were XXXX member. 

Only XXXX XXXX bill cycles, we cancelled the Citi XXXX because their unreasonable behaviors of Citi Cards. We are serious thinking if we should keep the XXXX membership right now. 

We received the first statement in late of XXXX, the due day was XXXX XXXX. When we did n't receive the statement in the early XXXX, I called Citi Cards, asking to resend the statement. Citi Cards refused to do so because I was not the account owner. My wife worked 60+ hours per week, she was busy, and exhausted after getting home, so I handled the bills. What I asked is to send the same statement to the same address, not change anything of the account. I did ask other credit companies to do the same, never have been denied. 

Citi Cards told me to wait, it may take longer time to deliver. But the statement did n't come, I called Citi Cards another two time to report the problem, they still refused to resend the statement. However, the lady I talked to in my third call said that you would be charged late fee, the combined bill would send you soon. 

But Citi Cards charged late fee. I called back, complained. After long argument, Citi Cards agreed to waive the {$25.00} late charge. But it has never been disappeared in Citi Cards voice message. 

We received the XXXX statement, the due day is XXXX XXXX. But Citi Cards blocked my transactions in XXXX XXXX. When I called them why, the lady said that I did n't pay the bill 21 days after due day. I said the due day is XXXX XXXX. She said XXXX due day. I said that I had already talked to XXXX representatives about the XXXX statement we had never received, the due day on the new statement is XXXX XXXX. She insisted that I had to pay the bill before Citi Cards unlock our cards. I asked to cancel the cards, she said that she was not working in cancellation department. Then I asked her to transfer to cancellation department, she said that you could not cancel because you are not the card owner. Then I asked my wife to talk to her, she still argued that we did n't pay the bill on time. After my wife told her firmly many time, please transfer me to the cancellation department, she just cancelled our cards immediately, not saying I am not cancellation department. 

Horrible experience.
Product: Credit reporting or other personal consumer reports

The three credit bureaus XXXX XXXX and experian are all in violation of federal law and need to be fine for reporting fraudulent accounts on my name that have been opened without my consent I have sent them all police report and Id theft reports they continue to violate federal laws with out penalties
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 - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX  XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX A XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I payed for service to XXXX XXXX XXXX for catalytic converter replacement, o2 sensor replacement, an oil change and labor. I received the the catalytic convert part but no service including install or any other parts. I have tried to get the service for over a year with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX XXXX is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX XXXX   and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Agreement signed on XX/XX/XXXX at Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX tel number XXXX XXXX , XXXX XXXX is the person who I originally met and handled the paperwork and agreement. The agreement was that Bank of America would consolidate and pay three vendors outstanding balances. One of the vendors XXXX XXXX was sent a check dated XX/XX/XXXX written to XXXX XXXX XXXX XXXX.The check is check # XXXX in the amount XXXX on my behalf to pay off aXXXX XXXX credit card. XXXX XXXX uses XXXX as their bank. In a letter dated to me on XX/XX/XXXX from XXXX XXXX informed that they placed the check from Bank of America in a holding account because they were unable to identify the account number. indicated on the check that Bank of America sent. I spoke with Mr XXXX who is a Conumer Market Lender for XXXX XXXX County for Bank of America at XXXX today, last week and the previous regarding requesting multiple times for this issue to be resolved and for my account at Bank of America to be credited {$6700.00} since the check has not been received by XXXX XXXX.I have contacted by phone Bank of America at their 800 number XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX a credit card promotional analyst on XX/XX/XXXX at Bank of America. I spoke and lodged a complaint with the branch manager XXXX XXXX. All of the above have told me they are " working really hard on resolving this '' over and over with no specifics and no timeline.and no resolution and I am still having to pay both Bank of America and XXXX XXXX even though I am verbally told by Bank of America that while they try to resolve this I will not be responsible for the debt.. According to Bank of America XXXX even with proof of the check being deposited is not co operating with Bank of America to transfer the funds into the correct account
Product: Checking or savings account

I tried to open a checking account with bank of America and they told me I couldnt because I already had a account. I told them well I want my money out of that account then. They said sorry but they couldnt with out a check or debit card. i showed them my ID and said no if I have a bank account than give me my money. They wouldnt so I left. This happen back in XXXX or XXXX. I just heard they have been making faults account in peoples name. I just want to know about the account in my name with my ss #. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Request for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.

Challenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. 
Specific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. 
Demand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. 
Issues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. 
Call for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.
Product: Debt collection

To Whom It May Concern : I received an alert from XXXX, XXXX and XXXX about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to XXXX  by XXXX. I have received a response that clearly violates my rights according to HIPPA. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Debt collection

It is my understanding the auto loan from Santander, qualified for it be removed and discharged due to the class action lawsuit. 

It is my understanding I had a loan during the qualifying time period and met the parameters to have it removed as a victim of unfair credit loan practices.
Product: Mortgage

I filed in 2013 for a modification of my mortgage loan with Bank of America Home Loans. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from one of BOA 's branches. Thus, I sought help from XXXX and now XXXX, CFPB and XXXX XXXX XXXX XXXX. THE MOST RECENT WAS information SHOWING on the DEED that this LOAN IS INVALID ACCORDING TO THE RESTRICTION IN PLACE. I sent a complaint also on XXXX. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. BOA knowingly deceived me by continuing to send letters stating they needed more time to research the matter. BOA, then sold my loan to XXXX. I notified XXXX of the dispute that was still ongoing with BOA and supplied them with a copy of the certified Lien release from XXXX XXXX XXXX XXXX. In working with XXXX XXXX, XXXX are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against Bank of America for not releasing and invalid loan and making a sale to XXXX while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them ( XXXX XXXX ), which is wire fraud and XXXX for going forth with the sale after I notified them.. See case numbers Cfpb XXXX for Deed restrictions, lien release copy from XXXX and contact information on Director XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue with my credit report that involves inaccurate information regarding an XXXX account, which I have never opened. This account appears to be incorrectly mixed with a XXXX account, leading to significant discrepancies in my credit report. 

As outlined in the Fair Credit Reporting Act ( FCRA ) Section 605, any inaccurate information must be removed from a consumers credit report. Furthermore, under the Fair Billing Act, consumers are protected against incorrect billing information that can negatively impact their financial standing. In my case, this inaccurate entry is impairing my creditworthiness and causing undue stress. 

I ask that you facilitate the removal of the XXXX account from my credit report, as it is a duplicate entry and does not pertain to any account I have ever opened. I have attached relevant documentation supporting my claim for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

I have been dealing with an agent for a company called Primary Residential Mortgage and she has been giving me different and wrong information for months now. today she accused me of going behind her back and saying false things and told me that I need to be a man, that she does n't do business like that and that " she will not do anything for my loan and that ii could kiss my loan goodbye ''. I have been misinformed on numerous issues during my loan process and have been treated less than fair.
Product: Vehicle loan or lease

requested a Letter of Guarantee on XX/XX/XXXX. I was told it would be 3-5 business days. I called today and was told it would be another 3-5 business days. 
When this happened, I did research online and found that Ally has a history of not producing a letter of Guarantee when requested. I am currently in collections and am able to sell my vehicle, pay it off, keep it from being repo 'd and running my credit. 
I truly believe they are holding off trying to repo my truck and sell it for more than what we owe. This is also reported as an issue online.
Product: Money transfer, virtual currency, or money service

I want to file a complaint against cash and I want all monies that was reported to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card # : XXXX is lost/stolen.
Product: Debt collection

I'm like super behind on my bills my wife isn't working due to bring my beautiful son into this world my sister in-law has been laid off recently so I am struggling to make ends meat as of now. Insurance should have took care of any XXXX XXXX I may have received. So I am refusing to pay. Please attachments.
Product: Credit reporting

there are XXXX accounts that are being reported incorrectly and have been under investigation for over 90 days XXXX bank account # XXXX says under investigation for over 90 days federal bankruptcy account number XXXX says under investigation for over 90 days
Product: Vehicle loan or lease

I applied for a auto loan through XXXX they referred me to Ally. Upon which Ally used a credit bureau I have no knowledge of to run my credit report called XXXX. This company came back with a low credit score of XXXX, but XXXX  credit score was XXXX. That a big difference between the two scores. I know this is not accurate at all. I know a lot o people will be filing a complaint againt XXXX. I foresee a lawsuit with this company please be sure I will follow suit also. This kind of thing is not acceptable at all. I truly hope you can clear this problem up soon. Thanks for lending a ear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit report act XXXX account number : XXXX, XXXX XXXX account number : XXXX XXXX, XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX account number : deptedXXXX, XXXX XXXX  account number : deptedXXXX XXXXXXXX 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 my account without my written Instruction.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Debt collection

Hunter Warfield damaged my credit by reporting a collections account related to an eviction that had nothing to do with me. I was never financially obligated to the apartment complex, XXXX XXXX, and had never signed lease documentation as anything other than a roommate. XXXX XXXX XXXX was solely financially responsible and he was evicted for failure to pay. Hunter Warfield has an obligation to possess and verify copies of signatures on lease documentation to ensure they are taking action against parties who are in fact liable for debt. They failed to do so and damaged my credit. I found out about this while applying for a mortgage. My credit score caused the interest rate offered to me to be significantly higher, thus costing me much more over the duration of the loan. This has been tremendously distressing and although actions are being taken to correct this information on my credit file, I am incurring additional expenses for transitional housing, a delay in closing, and the stress of having to start a new loan once this is resolved. This ha effectively displaced me. Hunter Warfield failed to do their due diligence and I have suffered multiple harms as a result. At this time I am awaiting for them to furnish me with copies of all paperwork they have on file from XXXX XXXX.