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

I am writing to formally file a complaint against Equifax for improper reporting of my account with XXXX XXXX XXXX, which violates the Fair Credit Reporting Act ( FCRA ). Equifaxs handling of this account has caused significant distress and harm to my credit profile due to its inaccurate, inconsistent, and misleading reporting practices. 

Account Details : Creditor : XXXX XXXX XXXX. 
Account Type : Installment Auto Loan Account Number : XXXX Improper Reopening and Closing of the Account : Recently, Equifax reopened the account, which had been charged off, and then closed it again within a week. This action was taken without proper justification or explanation and directly contradicts the accurate historical status of the account. 
Inconsistent Reporting After Charge-Off : The account was charged off on XX/XX/XXXX, yet Equifax has continued to report the same balance and past-due amounts as if the account were active. This misrepresentation fails to align with FCRA requirements to provide complete and accurate information. 
Failure to Update Payment History Accurately : Any payments made since the charge-off date have not been reflected, creating the false impression that I have failed to address the account since XX/XX/XXXX. 
FCRA Violations : Equifaxs actions violate the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy in consumer reports.

15 U.S.C. 1681i ( a ) : Failure to investigate and correct inaccurate information upon dispute.

15 U.S.C. 1681c ( a ) ( 4 ) : Misreporting a charged-off account by continuing to report a past-due balance incorrectly. 

These errors have negatively impacted my credit score, making it difficult for me to access fair financial opportunities. Additionally, the improper reopening and closing of the account has caused unnecessary confusion and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
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 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 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 card or prepaid card

I received an email and letter on XX/XX/2020 stating XXXX XXXX virtual card account had been opened in my name. I had not opened any such account. I called their partner bank ( TD Bank, NA ) to attempt report the fraudulent account, but unfortunately, they have transferred and waited on hold for over an hour. Disconnected and tried again the next day with same result. The TD Bank service rep states they need to transfer me to the Retail Account services and then no one answers the call. 

I am currently on hold a 3rd time and have been waiting for 1 hour and 7 minutes ( so far ). I am highly frustrated that I can not even talk to an  individual at the bank to inform them of a fraudulent account opening. I am not sure how else resolve the issue, so filing a formal complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an inquiry placed with your company that does not belong to me I never authorize any inquiries I have also filed a police report as well as a FTC report on the issue I never authorize Ive given my personal information to be applied for any vehicle loans admin that you remove the inquiry off my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

This is not a complaint. Its acually a request for help. This situation is being overwhelming for me now. This is about a mortgage account. The account information is the following : Card # XXXX, openedDate XX/XX/XXXX, Highest Balance {$6200.00}. 

I have a perfect payment history on this account since it was opened in XX/XX/XXXX ; until XX/XX/XXXX and XX/XX/XXXX that I was marked late. I have been affected by covid19. Its been a terrible situation. I called multiple times a day to get deferment but I was put on hold for hours and could never get through due to high call volume. This was not my fault, chase should backdate the deferment and remove the lates. 

This was lenders negligence and unfair business practices, they were giving deferments but he could never get through on the phone to get deferment. We are living dificult times, and I hope to get a fair solution to this matter. I am requesting to get the XX/XX/XXXX-XX/XX/XXXX late payments corrected. 

Thank you so much.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the accounts listed be removed immediately : - XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$380.00} XXXX XXXX XXXX Charge-off {$220.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX N/A Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Repossessions {$3200.00}
Product: Credit card or prepaid card

As a consumer of TD Bank, I faced disrespect and disregard from the actions of this banking institution when attempting to make a simple payment on my credit card account. Mind you, Ive made electronic payments since the beginning of having my credit card account. This is my first time initiating a payment ( 1 ) in person at a local TD Bank ( 2 ) by mail.

My first attempt resulted in rude customer service by a bank teller the Washington, DC XXXX XXXX XXXX XXXX location, who refused to make the payment transaction ( meaning actually accept, look, read, and comprehend ). She also did not accept all paperwork accompanying my payment check when I submitted the check to her ( which was a letter from my mortgage company that per their instructions, directed me to submit upon payment on my account ). Ive included the completed, deposit slip that the unprofessional bank teller gave me, as she gave back my check, and directed to me mail the payment. 

Note that prior to arriving at that XXXX DC TD Bank location, I visited XXXX XXXX  and XXXX  XXXX XXXX via the exact same credit card payment process ( with checks issued from the same company along with the mortgage companys letter ) and had no problems. Both banks customer service was top-notched unlike TD Banks XXXX DC location! 

I mailed the check certified, along with the letter from mortgage company to TD Bank on XX/XX/2021. They received it on XX/XX/2021. See copies of certified and signed documents. 

On XX/XX/2021, I received a letter from TD Bank stating they never received a payment. Completely unacceptable!! Moreover, the fact that TD Bank has no electronic and/or online direct customer dispute and/or procedure that allows customers to respond in situations like mine is concerning. There are no options to download and send via email anything to TD Banks customer relations department. It is 2021 and this absurd. 

Per customer service Rep that I spoke with today, XX/XX/2021 : mail in a copy of the check that was submitted as payment. Hence, this letter of complaint with all my documentation. I request that this matter be solved immediately along with dissolving any fees and/or credit reporting or misleading information that state any late payment references.
Product: Checking or savings account

Bank of America is clearly ripping people off with their fees. This does not take much effort to discover this. I was charged three {$35.00} fees in one day for a {$8.00} transaction. This timeline does not make sense and it is my experience that BOA has minipulated the time of the transactions in order to acquire the fees. Not only have they faced multiple lawsuits for this, every customer will tell you that they are a shady company. It becomes even more clear when you compare their way of doing this to other banks. Someone must stop BOA from what they are doing. I believe that they dont care about the small lawsuits because they know that they will make 10 fold from the same scams.
Product: Student loan

I am a member of XXXX, with over 48 months documented work for not for profit company. XXXX servicing erroneously capitalized my loans on XX/XX/18 of this year. I was told it was a computer error and the company would reverse the capitalization. I have multiple recorded conversations with supervisors admitting to the mistake and guaranteeing the company would fix the problem. It has been two months and I am still waiting. Additionally I lost one more month of my 120 qualifying payments towards loan forgiveness. Speaking of that, XXXX has incredibly long turn around times often 2-3 months of the year don't count towards my work for the public as that is how long it takes for XXXX to re-certify. Notes to borrowers with XXXX, keep all records in a paper copy and electronic, record all calls ( {$10.00} XXXX app ), call a lawyer for advice, call XXXX, call congress, write complaint to consumer finance and XXXX. XXXX is the only servicer offering XXXX, call your congressman and ask for another service provider. Do not opt for paperless from XXXX this is how you can miss important account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by TransUnion, which is a violation to my rights to privacy as a consumer. Furthermore, TransUnion exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and XXXX.
Product: Debt collection

In XX/XX/2016 and XX/XX/2016, a representative for Summit Financial contacted my job and informed my subordinate XXXX XXXX XXXX that they were looking for me and that I was past due on my car note with the company. 
The company continued to call my place of employment disclosing information to my assistant, who was not listed as a reference on my account nor did I provide them with the contact information, nor did I authorize them to contact me at that job. 
The information was then relayed to my supervisor and negatively impacted my employment with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a high interest loan through J.D. BYRIDER / CarNow Acceptance Company ( CNAC ) located on XXXX XXXX XXXX XXXX in XXXX, Texas My vehicle was hit while parked on XX/XX/2020 by a drunk driving accident and assessed by the guilty parties insurance as a total loss damage I also informed my auto loan broker ( CNAC ) / auto dealer J.B. BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas of the auto accident that occurred on XX/XX/2020 along with my intent not to make an installment payment towards my auto loan until all of the particulars with the car accident was handled and the insurance check from the guilty party 's insurance company was to be dispersed on approximately XX/XX/2020 furthermore i informed the finance department of CNAC / J.B.BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas on approximately XX/XX/2020 as well as on XX/XX/2020 that I would no longer be making installment payments towards my auto loan until further details as to the initiation and implementation of the ( Pandemic Assurance Unemployment Benefits ) for Texas unemployment recipients due to the Covid-19 Pandemic On approximately XX/XX/2020 I attached and text a copy of my Work Search Notification Suspension Letter from the Texas Work Force Commission suspending our requirement to search for work due to the Covid-19 Pandemic as  well as my Statement Of Wages and Potential Benefit Amounts to prove my unemployment status thus placing me eligible to take advantage of the protections afforded to me by the Cares Act of 2020 never the less the Finance Manger for CNAC / J.B BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas only be known to me as XXXX still had the account placed in collections as well as added additional late fees along with extra finance charges to the remainder balance on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid XXXX XXXX the full amount of my delinquent credit card debt in the amount of {$440.00}. TransUnion refuses to update my account status. I have disputed this information and they continue to erroneously report false information.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> BALANCE : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  my student loan provider went from   XXXX   XXXX   to Navient. I was on auto pay with   XXXX   XXXX  . One day I received a letter in the mail stating that   XXXX   XXXX   account was Closed and the new lender was Navient therefore they were not going to charge me anymore and that i should wait Further instructions from Navient. First communication with Naviet happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since   XXXX   XXXX  . Not a problem I said, lets pay. The representative at Navient walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from   XXXX   XXXX   to Navient was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the Two Navient accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from   XXXX   XXXX  . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on Navient 's part. I still pay my loan to this day and i have never missed a payment.
Product: Debt collection

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) (  B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) IC Systems, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 )  ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.