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

Subject : Failure to Correct and Provide Explanation for Credit Reporting Errors Equifax I am filing a complaint against Equifax for failing to properly investigate and correct inaccuracies in my credit report, specifically regarding my on-time payments. After submitting a complaint to the CFPB in XX/XX/year>, Equifax initially corrected some errors but removed previously reported on-time payments, replacing them with No Data Available. Before these changes, my payments were correctly marked as on-time with a green checkmark, but after they made adjustments, they altered multiple months to reflect missing data instead of accurately reporting my payment history. 

Despite my disputes, Equifax has not provided any clear explanation for these changes. Each time I dispute the issue, Equifaxs investigation results in a response stating Verified as Accurate without any details or supporting evidence, which fails to address the inaccuracies they created. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Equifax is required to conduct a reasonable reinvestigation and provide accurate and complete reporting ( FCRA 611 ( 15 U.S.C. 1681i ) ). However, their refusal to explain the changes and their failure to restore my correct payment history suggest that they are not complying with FCRA requirements. Additionally, this lack of transparency and failure to properly resolve disputes may constitute an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Dodd-Frank Act ( 12 U.S.C. 5531 ).
Product: Credit card or prepaid card

There were fraud charges on my account and I was notified because I got an email that charges went over my credit limit. I contacted Discover and they promptly opened a fraud case and sent me a new card. The scammer however was able to make a {$3000.00} payment via Discover 's automated phone system, using my bank account I had stored with Discover, that applied to my account 2 days later. This was XXXX XXXX. 

I contacted Discover in a panic because my bank account was negative. The agent assured me they would return the {$3000.00} within 2 days to my bank account with XXXX XXXX. The next time I called it was 5 days. Then it was 10-14 days. Since then I have called Discover over 10 times, including one phone session that lasted over 2 hours. 

I now don't even want the money returned to my bank. I just want it applied to my Discover balance so my card is basically paid off and I never have to deal with Discover again. The last time I called on XXXX XXXX and the agent told me she would have a special team resolve it for me within 48 hours. Another lie from Discover, today is XXXX XXXX. 

They have been holding my {$3000.00} in limbo- not applied to my Discover balance and not returned to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}
Product: Credit card

since XXXX since my credit protection benefits ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX XXXX of my house after requesting it be mailed to my house 5x!!!! all late fers needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from my bank ( XXXX ) stating that there was a negative item on my credit report, and I should check it. According to XXXX, XXXX  reported a collections account from a company that I've never done business with. When I tried to use XXXX XXXX online system to dispute the report, I only received error messages on their page. I will call them as soon as they are open and complain.
Product: Mortgage

I am the successor of my deceased mother 's mortgage loan. I had been enrolled in auto payments with the servicer, received letter of pending escrow shortfall, I mailed the shortfall payment via check in XXXX of XXXX, the servicer applied the escrow payment to the mortgage although they had debited my account in XXXX via ACH which was long established. The mortgage payment increased in the following months as a result of them not applying the paper check to escrow, which was sent to prevent escalation of monthly payments. Several months of my emails and phone calls to them, the problem was not resolved. I eventually made ANOTHER Escrow Payment over the phone with a live representative which was applied to escrow accurately ( XXXX ). During this period I also reduced my homeowners insurance premium which resulted in an escrow overage. The company sent me an escrow refund check made out to the Estate which I have requested 3 times for them to make the check out to me, the Estate checking account has been closed for years as my mother died in XXXX. This same company has honored my request before in the past by re-issuing me a check in my name, also pertaining to a previous escrow overage. I have contacted them repeatedly via email and phone, I get the runaround and now due to their faulty accounting they have not applied the first escrow check to account for a XX/XX/XXXX mortgage payment and instead had kicked me out of the ACH plan because of the paper check they received in XXXX and applied in XXXX, even though they received the ACH in XXXX as well. According to their lousy bookkeeping, they continue to contact me with late fees and letters of being behind in mortgage by 1 month. It's not true.
Product: Debt collection

Does this company NOT have jurisdiction or legal permission to collect this debt in the state of Florida? According to their NMLS # XXXX, they do not have jurisdiction or legal permission to collect this debt in Florida. I am attaching evidence directly from NMLSthis company is violating HIPAA, my personal medical information has been disclosed to third parties without my authorization which is a clear violation of my medical privacy..I dispute this debt and all the others they SAY I OWE, I dispute them all and order that it be immediately deleted from XXXX, XXXX and XXXX .
Product: Payday loan, title loan, personal loan, or advance loan

I emailed Lend a Dollar ( XXXX Florida XXXX XXXX ) on XX/XX/year>, and XX/XX/year>, a revoke notice, and they refused to comply with my request. They sent through pre-authorized checks on XX/XX/XXXX and XX/XX/XXXX. I explained to them both times that I needed to close my bank account and establish a new account and I would contact them with new bank details, but they refused to abide by the revoke letter I sent them. Further, my bank ( XXXX XXXX  ) refused to stop payment on the check posting and told me I had to resolve it with the person debiting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, Nationstar, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to XXXX and was informed that they could submit a request of deletion but only under the direction from Nationstar. I left a vm with Nationstar on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number XXXX had given to me to provide to Nationstar so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that Nationstar would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from Nationstar : XXXX XXXX XXXX Media Analyst II, XXXX XXXX Nationstar Mortgage Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX CREDIT CARD ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$700.00} ), XXXX XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6300.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$670.00} ), XXXX  ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Highest Balance : {$750.00} ), XXXX  - XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Held : the XXXX Judge erred in refusing petitioner 's demand for a trial by jury of the factual issues related to the question whether there had been a breach of contract or a trademark infringement, and the Court of Appeals should have corrected that error by granting the petition for mandamus. Pp. 369 U. S. 470-480.

Dairy Queen , Inc. v. Wood, 369 U.S. 469 ( 1962 ) We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 ) Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXXXXXX XXXX Balanced {$12000.00} XXXX XXXX XXXXXXXX XXXX Balanced {$8200.00} XXXX XXXX XXXX  Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account/item which does not belong to me or was opened without permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

I logged in to pay my bill in XXXX, while sick with COVID, and apparently I didn't submit the payment all the way through. I am sure Comenity/XX/XX/XXXXcan see that on their end. I was issued a Late fee of {$29.00} & Finance Charge of {$4.00}. 

I went to use my card, it was declined, so I went online, made the payment & called on XXXX to ask for the fee to be removed. XXXX said first time goodwill adjustment was only for {$15.00}.
Product: Debt collection

A company called Trident Asset Management contacted me to collect a debt on behalf of XXXX. They informed me that I owed {$190.00}, they gave me a reference number to use on their website, and informed me that I had to pay it on their website, Tridentasset.com. Before paying, I called XXXX to verify that this was accurate. Not only was it NOT accurate, they had never heard of Trident Asset Management and the account had NOT been turned over to them. This Trident Asset Management company also shows up on my credit report as owing them a debt. It is adversely effecting my credit score and I need it removed immediately. Do not pay these people, and be sure to do your due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, Experian lowered my XXXX XXXX and provided conflicting and contradictory information on my report. They said my balance increased by $ XXXX but did not identify which balance and generally said all my balances increased, while at the same time said my credit utilization went down to XXXX. When attempted to dispute it, they wouldn't let me dispute themselves, only the creditor who I had no dispute with. The creditor reported a XXXX balance and a reduced balance. Yet other credit agencies have raised my score and accurately reflected my lowered balances. Experian refuses to accept accountability and even denies these circumstances. I tried to tell them their report conflicts but then said it was a membership issue. I just want my information accurate which it is not. They also tried to say a licensed credit rep could only help but they're the ones who created this mess!! NO BALANCES INCREASED!
Product: Debt collection

Resurgent bought an alleged debt fromXX/XX/XXXXXXXX performing aggravated identity theft and is trying to collect from me by extortionate means
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureau XX/XX/2020 about some inaccurate information I found on my report. The bureaus have yet to complete an investigation on these inaccuracies that are detrimental to my credit report and are hindering me from receiving funding. I understand my rights under FCRA that after 30 days of requesting this information be investigated that if they can not verify the inaccuracies then it must be removed from my report. It has now been over 60 days since my initial request. I attached the letter as well as my license and proof of residence via bank statement
Product: Credit card

I receive the welcome offer and open the AMEX Platinum card in XX/XX/year>. 
The welcome offer is XXXX XXXX XXXX after XXXX spending in 6 month. 
I got confirmed about the welcome offer during my application in web. 
I also got confirmed about the welcome offer details by the customer service on XXXXXXXX XXXX  ( attached with the chat history ) with my welcome offer. 

However, I've been told that my welcome offer has been declined on XXXX without any notice or reasons. I contact AMEX customer service, and they give no reason on that and reject to do anything. 

I never had open the same card or receive the welcome offer before, and there's no violation on the terms.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America I am writing to file a formal complaint against Bank of America for continually denying my claims and withholding funds that I am owed. Over the past several months, I have been dealing with numerous issues related to my account and have not received adequate and appropriate resolution from your institution. 

I am owed over {$30000.00} which has been wrongfully denied for several times. I have made repeated attempts to file a claim for the funds but each time my request has been unjustly denied without proper justification. 

Furthermore, I recently discovered that I had attempted to file a claim over a year ago and was assured by Bank of America that my claim had been opened. However, I later learned that this was a lie as the claim was never processed or even acknowledged by your institution. 

In my pursuit of resolution, I also sought help through the XXXX XXXX XXXX and I was advised by a Bank of America executive to contact them directly. Despite my repeated attempts to reach out to the executive, I have not received a response from them.

It is evident that Bank of America has been negligent in addressing my concerns and this has severely affected my financial situation. I strongly advise that someone from your institution contacts me immediately to address this matter. This is my final attempt to settle this without taking legal action. 

This is for my XXXX account. 
Card # XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase locked me out of my account for no apparent reason, as nothing has changed on my end. They say I must " verify my identity, '' but all attempts to do so fail. I've tried to contact their customer service at least 50 times, even sent letters via snail mail. Their entire system is automated with no one live to assist. Coinbase has held my crypto hostage for nearly 8 weeks. Maybe it's gone by now & they've stolen it.??? Unfortunately, I've read thousands of similar complaints posted all over the Internet. Wish I would have known this before I got involved with Coinbase. This company is criminal & should be stopped.