23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Th

e Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not reported? In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please apply these laws to account : 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 an 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 or 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.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information does not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail
Product: Credit card or prepaid card

( XXXX ) I reported a fraud to Capital One on Monday XX/XX/2023. They created an investigation case. There is a hard inquiry shown on my credit report. The hard inquiry happened on XX/XX/2023, and the capital one credit account was created on the same day. But I never applied for any card from Capital One. I received the credit card in my mail box. 

( XXXX ) I called Capital One XXXX Department today XX/XX/2023. The customer representative told me I have to wait for 90 days for the investigation result. And the investigation result may be delivered by mail or email. This is very frustrating.
Product: Mortgage

I am seeking your help to be reimbursed {$4200.00} from Santander Bank, N. A. for a charge to my mortgage escrow account on XX/XX/2022. Santander paid the {$4200.00} from my escrow account claiming that there was a lien on my property. I found no record of this with the XXXX XXXX Ma Registry of Deeds.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment regarding the inaccurate and incomplete credit information that you have reported about me. Your failure to uphold reasonable procedures to ensure the highest possible accuracy in the credit reports you distribute has caused me considerable distress. 

I insist that the following information be promptly investigated and removed from my credit profile. Furthermore, I demand that you provide evidence of this alleged item, specifically the contract, note, or any other document bearing my signature. Should you fail to provide such proof, the item must be expunged from the report without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is reporting a Foreclosed mortgage. The property was foreclosed on and sold XXXX XXXX, XXXX ( see attached ). Therefore the Date of First Delinquency was no later than XXXX XXXX. This is reporting past the Federal Statute of Limitations in violation of The Fair Credit Reporting Act. The other XXXX bureaus have removed this. Experian needs to abide by the law as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Said I purchase a car in my name never did
Product: Credit card

We booked an accommodation for XXXX nights in XXXX through XXXX, based on the rate clearly indicated on their web site, namely {$99.00} per night. The reservation I.D . number is XXXX. There was a confusing email exchange with the host, XXXX, concerning the security deposit, which we understood to be an addition to the daily rate. So far no problem. But when the Discover Card statement arrived, to our shock and dismay, the rate came out to double the clearly advertised amount. 
We called the XXXX help desk, and had a texted chat with " XXXX. '' He was friendly, but inside his narrative was a lot of what XXXX XXXX would call argle bargle. Examples, from the printout of the exchange : " When you made your reservation and entered in your dates it should have given you a clear nightly breakdown '' [ it did not ]. " Your host had custom pricing on the days that you booked. '' [ what can that possibly mean, other than false advertising? ] " The nightly rate changes upon entering dates as different dates can have different rates similar to hotels. '' [ If so, they should be clearly shown at the outset, especially if they constitute double the advertised rate. ] The bottom line is that this is deceptive, false advertising, plus what we midwesterners call bait and switch. We had thought that the amount on the credit card statement, namely {$1000.00}, involved cleaning fees and deposits, but it was instead a pure ripoff. The host might indeed set the rates, but the web site should not clearly draw in customers with a phony, never-relevant daily price. The host 's command of XXXX is less than perfect, so I declined " XXXX 's '' suggestion that I deal directly with him. The host did not construct the web site, XXXX did. Thus it is their responsibility/culpability that is at issue here.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act, 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. These accounts [ Name : XXXX Acct # XXXX ] are not complete and accurate, [ Name : XXXX XXXX XXXX Acct XXXX XXXX ] are not complete and accurate, [ Name : XXXX XXXX XXXX XXXX Acct XXXX : XXXX ] are not complete and accurate [ Name : XXXX XXXX XXXX XXXX Acct XXXX : XXXX ] are not complete and accurate, [ Name : XXXX XXXX Acct XXXX XXXX ] are not complete and accurate, [ Name : DPT EDXXXX Acct # : XXXX ] are not complete and accurate, [ Name : DPT EDXXXX Acct # : XXXX ] [ XXXX  XXXX ] date last active is not reporting correctly, date of last payment is not correct, last reported date is not correct, high credit is not reporting correctly, this account is absolutely not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date of last active is not correct, last reported date is not correct, high credit is not reporting correctly, this account is not accurate. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance not reporting correctly, last reported date is not reporting correctly, last date active not reporting correctly, date of last payment not reported correctly, this account is not correct. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, balance is not reporting correctly, Number of months ( terms ) not reporting correctly, past due not reported correctly, payment status not reported correctly, last reported not reported correctly, date last active not reported correctly, date last payment not reported correctly, this account is not correct. 

[ XXXX XXXX XXXX ] date opened is not reporting correctly, last reported date is not reporting correctly, date last active is not reporting correctly, this account is not correct. 

[ DPT EDXXXX XXXX ] open date not reporting correctly, no of months ( terms ) not reporting correctly, last reported date is not reporting correctly, date last active not reporting correctly, date of last payment is not reporting correctly, this account is not correct. 

[ DPT EDXXXX XXXX ] open date not reporting correctly, no of months ( terms ) not reporting correctly, last reported date not reporting correctly, date last active is not reporting correctly, date of last payment is not reporting correctly, this account is not correct. 

I sent numerous letters to Equifax on XXXX XXXX and another letter on XXXX tracking # XXXX asking Equifax to reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my disputes as they keep asking for additional documentation for verification and stating that I sound like a credit repair company. This has been going on for now a total of 2 months now going on 3 months. 

Can you look into this problem please.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I took my home loan from US Bank, there was issues in loan fees charges and credit promised by lender in final XXXX document. 

My Mortgage Originator promised me that he will look on to those issues and reimburse me for additional charges which are in XXXX. 
I was not able to resolve those issues in time before closing as Mortgage Originator was on leave and on day of closing he verbally informed me that he will issue credit for wrong charges. 

Later they denied for adjustment and informed me that now they ca n't go back as closing is already done, when I have given option of XXXX correction, they informed me that they will reimburse me through XXXX gift card. 
My closing was done on XXXX/XXXX/2015, they accepted to reimburse through Gift card on XXXX/XXXX/2015 and since then I am following up with them to get Gift cards, and my mortgage originator replying to me that he will get them in week XXXX, but actually never sent them to me. 

I had overpaid {$290.00} than agreed as below. 
I was supposed to get credit {$530.00} ( Platinum credit ) and {$470.00} ( Appraisal fee waiver ), total {$1000.00}. 
But actually I received credit of {$530.00} ( Platinum credit ) and {$210.00} ( Lender credit ), total {$750.00}. 
Also, their was charge {$43.00} for point ( which was never agreed ), so total I over paid is {$290.00} XXXX XXXX - XXXX + XXXX = XXXX ). 
I have all email communications from them.
Product: Checking or savings account

They are continuously placing my paychecks on hold with no reason or explanation. It has created a hardship for me.
Product: Debt collection

I have asked a number of times for this item to be removed from my credit because it is over 7 years since my last payment and also they are showing my last payment was in XXXX but it really was in XX/XX/XXXX in XXXX this collection agency bought this debt so they have there records wrong i asked for it to be removed XXXX did this the other 2 still show it please XXXX & XXXX can you please remove this thank you
Product: Debt collection

I recently purchased my Condo, and was living at XXXX XXXX. I gave my notice and informed them that I will be moving out and that the balance I would pay. I have emails where we came to a conclusion of amount and date that payment would be paid each month. I spoke with XXXX which is the manager at XXXX XXXX. She agreed verbally and through email. She stated that would be fine since I just purchased my Condo via VA Home Loan and was making sure my payments and anything that might go wrong would be taken care of. That is why I asked for payments. I know that I owe the debt but would need time to pay it off. XXXX inadvertently sent the file to Hunter and Warfield XXXX -- XXXX account number XXXX. I called them informed them it was a mistake, and that I had arrangements with XXXX XXXX to make monthly payments. They stated that XXXX just needed to call and have it rescinded. I called and spoke with XXXX, the Manager at XXXX and she informed me that Hunter and Warfield would n't release the file. I called Hunter and Warfield and explained to them that I refute this and is in dispute, please do not call me or contact me. My phone is a business phone and I can not receive calls. The lady said ok and hung up. I tried speaking with XXXX and she said there is nothing she can do. I informed her that the emails stated we had an arrangement and I am appalled how they could send it to collections. Hunter and Warfield has called my phone 2 times. I informed them that they are breaking the FDCPA regulations. I informed them that I will be filing a complaint against them. Afterwards when I called them back to confirm they are aware of me disputing this and filing a complaint the representative informed me that they cant speak with me and hung up on me. Since they state they have recorded lines and that they are following the FDCPA regulations, then they have broken not one, but 2 of the codes that protect me. I am very aware of my rights and they had no reason to contact me at work and demand payment when I informed them that I was disputing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on Equifax Cybersecurity last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a credit card with XXXX XXXX XXXX on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from Experian that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my Experian report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or XXXX XXXX XXXX had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 an inquiry from KOHLS/CAPONE appeared on my credit report. I have never attempted to open a credit card with Kohl 's or Capital One. When I called the number in the report the representative claimed that they were unable to find the request that would have led to the inquiry. They told me that the inquiry should disappear from my report within a couple of days. It is still on my account.
Product: Checking or savings account

On XX/XX/year> at approximately XXXX. I went to a XXXX XXXX ATM At XXXX XXXX XXXX, XXXX FL, XXXX to deposit {$350.00} into my savings account. I put the money into the machine and while the ATM was counting it. The machine crashed, rebooted, never deposited the money into my account and basically the bank said that no error occurred even though the ATM clearly malfunctioned. I have read numerous attempts on XXXX saying that this ATM is not properly maintained and I was going to this ATM before to deposit cash before with no issues. The bank is refusing to acknowledge that an error/transaction occurred even though the camera clearly caught me attempting to deposit cash into that same ATM
Product: Debt collection

I have been contacted twice by representatives claiming to be from Diversified Consultants , Inc. saying that I owe more than {$200.00} to XXXX. These representatives have asked for my credit card information, my social security number and my physical address. I have spoken with XXXX and have been assured that my account is paid in full and that I have not been sent to collections. I have also checked my credit report through XXXX and I have an excellent score. I am concerned that either my identity has been stolen or that the phone calls are pretending to be DCI.
Product: Money transfer, virtual currency, or money service

I accidentally sent money to the wrong person and immediately realized and they told me there was no correcting the situation
Product: Bank account or service

I just experienced the most terrifying banking transaction of my life. I visited my local Chase branch at XXXX, TX around XXXX CST on XX/XX/2017 to make a cash deposit at the ATM. I needed to deposit XXXX XXXX dollar bills. I researched online and checked the website and there was no indication of any denomination restrictions. There was n't really any information explaining how cash deposits work at the ATM 's period. Once I arrived and choose cash deposit, it said to deposit up to XXXX bills. I counted out XXXX XXXX dollar bills and inserted it into the slot. The machine started processing, then said " could not be read ''. The machine then started making noise like it was going to give the money back. Then the door closed and the screen said the machine had a technical issue, call this number. The cash door kept opening and closing, the machine kept making noise. I received no receipt or confirmation that any transaction had taken place. At this point I am officially panicked. I call the customer service line and document my issue. They assure me this will be taken care of. I call the XXXX Police Department to file a report and they say there is nothing they can do. I am absolutely terrified, my money is in limbo. The machine could be spraying my money out on the ground as I write this and I would have no proof that I even put the money in. I do n't know what to do, I feel like there should be protections in place to prevent something like this from happening. I think people should be aware, ATM 's that take cash deposits are not safe. They are going to conduct an internal investigation, which means they have complete control of the logs and evidence like camera footage. I am completely at their mercy at this point. I researched other people that have had this issue and in some cases Chase has determined that the money was never deposited. At this point I have technically been robbed of {$3000.00} by Chase.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report. I would like this item immediately removed. I reported that this was not my account due to someone stealing my identity. It is my understanding that according to letter attached this would be deleted from my credit report with all XXXX bureaus. This has yet to happen even after providing me with confirmation. 


The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX ( account number XXXX ). Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. EXPERIAN, XXXX and XXXX have failed to investigate this account properly after I REPEATEDLY asked/disputed information to have the account updated.
Product: Credit reporting or other personal consumer reports

Hi. i have not been able to view my credit report/dispute items via XXXX portal since XXXX. Please refer to previous CFPB complaint id XXXX. Transunion stated that there was a technical issue and they have resolved it. As of Today, this has been resolved. I have to physically call and request a copy every time I get an identity alert from XXXX id protection services. ( I was involved in XXXX XXXX XXXX ) It is imperative that I have the capability to view my report online to address these matters immediately. Furthermore, Transunion States its reports are Available ( Online ) to ALL Consumers upon request.