23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a responsible creditor, I pay my bills on time what do not like is when Equifax accuses of me of not paying a bill on time? I always pay my bills on time and pay more than is necessary to pay my bills. One bill in particular XXXX XXXX, I pay the loan amount every XXXX the month and they say it was late on my Equifax Credit Report? I fixed it on my credit report. I also have a block on my Credit Report from XXXX XXXX XXXX, I have tried to fix this error for over 6 months now what is a Responsible Creditor suppose to do correct this error? I requested a credit increase on my XXXX Credit Card and my score dropped from XXXX to XXXX, I have done anything wrong but they say that I should not request any more credit, I am just confused by this double standard and I apologize for being human being it was my mistake. Thank your, time understanding in this matter, Sir or Mam. 

Sincerely, XXXX XXXX XXXX XXXX XXXX American Veteran
Product: Bank account or service

I received two email notifications from PNC Bank, XX/XX/XXXX and XX/XX/XXXX. Both emails were identidal and stated : " About Your Account ... 
We are contacting you to inform you that our security department identified some unusual activity in your account. 
In accordance with our User Agreement and to ensure that your account has not been accessed from fraudulent locations, access to your account has been limited. 
Please 'Click Here ' to verify your account as soon as possible. 
We take your online safety seriously, which is why we use state of the art notification systems to identify unusual activity and a challenge process to validate your details. 
Thank you for your support. '' I did not click on the link to verify this account because I have never had a PNC account of any kind. There was not a toll free number to call about this.
Product: Vehicle loan or lease

CASE : # XXXX XX/XX/2023 after we had fraud in our bank acount for over {$1600.00} and 2 payments bounced back separately. The bank had not notified us until we called the police looking for our car and then called Ally. After confirming with the bank what happened to the 2 payments, we sent, via XXXX, immediately the 2 payments the very next day. Once the police confirmed a contracting tow company had the vehicle a representative of Ally denied having the car picked up when talking to XXXX XXXX ( not sure of his department ). Spoke to XXXX, another Rep, and gave him the XXXX payment information who said we satisfied the payments returned and then he tried to release the car but XXXX XXXX said the paperwork from the tow company had not been uploaded. 

We have been bounced around and helped to a degree but still are being asked by the redemption department to get customer service to send their department something saying we will deal the balance on the end of the loan. We have sent a message via the portal but no one is responding. 

We have paid off over {$32000.00} in car payments for our car? In addition we have spent well over {$7000.00} in repairs. We will have the car paid off before the holiday season but we need to get to work. I have not been able to get to work due to the distance to get to work and a vehicle is a must. 

The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX. We can be reached on XXXX. We thank you for your help, time, and attention to this matter. 

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

In XX/XX/XXXX I finished consolidating my student loans being serviced by Department of Education/XXXX XXXX, then in XX/XX/XXXX I requested to be a part of the Public Service Loan Forgiveness Program ( PSLF ) and Income Based Repayment Plan ( IBRP ). By XX/XX/XXXX XXXX XXXX transferred by consolidated loan to Department of Education/XXXX XXXX ( PHEAA ). I noticed that once my loans were transferred to XXXX my newest account/balance/revolving payments are missing from my credit reports and my closed older accounts show incorrect balances. I have attempted to reach XXXX XXXX to request correct credit reporting, however, the electronic phone system will not allow me to speak with a representative and emails I send to XXXX 's account info remain unresolved. I am requesting that my account with XXXX be reviewed and correct loan information be reported to the credit bureaus as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about two months now I haven't been able to see my Equifax credit score. I called and they told me I needed to update my new marriage name and address in the system. I sent them all of the documents they needed. I've been sending it for the last two months and they refuse to update the information. They will send a letter to my father as if he has sent in information! I am in the process of buying a home and this is holding me up.
Product: Money transfer, virtual currency, or money service

I learned about the data breach so I reached out to cash app and also checked my records I've been using cash app for 3 years and have had several discrepancies like missing money that I hadn't used. I'm also perplexed about my data being breach.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : ALLY FINANCIAL & Account Number : XXXX This account is listed as a charged off account on my credit report for XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer USA keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports
Product: Credit reporting

Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.
Product: Credit card or prepaid card

This has been going on for over 6 months, I attempt to use the card and they will not allow me to use it on the most recent purchases made XX/XX/2021 Total {$860.00} and XX/XX/2021 Total {$120.00}. The second order # XXXX, they cancelled 2 days after I made the order. This lack of access to my account of has caused me to lose out on {$50.00} in Macy 's as well as my Platinum status with the card which is also a loss of benefits. A representative placed a hold on my account without notification and restricted my account use and I have lost access to {$2500.00} in my available credit. When questioned, they refuse to tell me who placed the hold and when. They have cancelled over 7 orders in the last year totally {$1500.00}. Additionally, they have requested I give them the password to my account to representatives in the XXXX ( which is not advised as a XXXX XXXX XXXX XXXX ). They apologize but will not restore my Platinum status or give me the {$50.00} in funds to shop with that I lost on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to obtain a copy of my free annual credit report. Equifax is refusing to send me a copy. I ordered it 6 month ago and have not received it.
Product: Credit card or prepaid card

I bought several XXXX dollars in American Express XXXX XXXX ( https : //www.amexgiftcard.com/ ) in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on XXXX {$100.00} AMEX gift cards. I also gave so me the gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. 

I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).
Product: Debt collection

I am writing in response to your notice regarding the alleged debt you claim I owe. As provided under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt before any further collection actions are taken. 

To ensure that this debt is valid, I request that you provide the following information : A copy of the original signed contract or agreement : Please provide a copy of the original signed agreement or contract that establishes my obligation to repay this debt, including your signature or the original creditors signature, and any terms related to the debt. 
A full accounting of the debt : A breakdown of the original amount owed, including any interest, fees, or other charges added to the debt. 
Proof of ownership : Documentation showing that you have the legal right to collect on this debt. This may include evidence that the debt has been sold or assigned to your agency or that you otherwise have the legal right to collect the debt on behalf of the original creditor. 
Itemized payment history : Detailed statements showing payments made toward the debt, if any, and the remaining balance. 
Date of last payment : Please indicate the date of the last payment made toward the debt to ensure that it is within the statute of limitations for collections under state law. 
Under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), you are required to provide this information within 30 days of receiving this letter. Until I receive the requested validation, I ask that you cease all collection efforts, including reporting this debt to credit bureaus.

If you are unable to provide the original signed contract with my signature or the documentation mentioned above, then under FDCPA Section 809 ( 15 U.S.C. 1692g ), this debt must be considered disputed, and any further collection efforts should cease. Furthermore, if the debt can not be validated, I ask that you promptly remove it from my credit report. 

I also request that all further communications regarding this matter be conducted in writing, as I am exercising my rights to dispute the validity of the debt under FDCPA Section 805 ( 15 U.S.C. 1692c ), and as allowed under the Fair Credit Reporting Act ( FCRA ), you are prohibited from reporting inaccurate or unverified information.

Please treat this as a formal dispute of the alleged debt until you have provided the appropriate validation. 

Thank you for your attention to this matter. I look forward to your prompt and complete response in compliance with the FDCPA and the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information to my Experian Credit report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : 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 Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX function as consumer reporting agencies, and I, as the consumer, retain the prerogative to ensure that my private information remains safeguarded. This entitlement is reinforced by 15 USC 6801, which underscores Congress 's stance that each financial institution has an ongoing duty to honor the privacy of its clients and uphold the confidentiality and security of their nonpublic personal information. 

Entities furnishing information to credit agencies, categorized as financial institutions under this provision, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily upon receiving written instructions from the concerned consumer. XXXX, XXXX, and the furnisher of information to credit agencies lack my explicit consent to provide this information, whether express or implied, hence rendering any consent previously granted null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosure. However, the furnisher of information to credit agencies failed to apprise me of this nondisclosure option. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, contravening the law by reporting adverse items without my consent. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are barred from furnishing inaccurate information to consumer reporting agencies and are obliged to maintain reasonable procedures to prevent violations of FCRA sections 1681c and 1681b. XXXX and XXXX 's failure to uphold such procedures indicates non-compliance. 

Finally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CREDITACPT XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has put my information out to home loan applicant XXXX XXXX mortgage company as well as Equifax mortgage trying to pass off as me wanting a loan from them. They ran a credit check on me which impacted my credit score. All this was unauthorized by me. This credit check was made XX/XX/2023. I have already made a report to the local sheriff 's office as well as trying to contact XXXX XXXX and Equifax mortgage solutions. When called I only got the recorded line and have yet to receive a call back. I called XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called to tell Equifax to remove the freeze I had put on last year when their system was hacked. They said I did not pass their security check. They asked me to fax my personal ID including my SS card and driver 's licence which I did immediately. I was told the process took 48 hrs. It is now 3 days later. I have called 4 times and they keep telling that they either a. have not received the fax or b.they have not entered my request into the system or c. It takes 7 to 10 days. Each time I call and go through their process I apparently do not answer the questions to their satisfaction. I suspect that they have wrong information. I tried ordering a copy of my credit report online but they refused. I am in the process of buying a house. This delay may destroy my ability to complete this purchase. Time is of the essence here! Please Help!
Product: Debt collection

Utility company is stated that there is an outstanding amount on an account from 2014 that I had at a previous address. This account was paid in full when the account was closed due to no longer needing service. There was credit on the account for a security deposit that was paid originally, leaving a small portion that was paid over the phone at time of disconnect. This was for the address XXXX XXXX XXXX, XXXX, WV XXXX. I was renting the home at that time for a short period before relocating to XXXX for work. When I received a statement in the mail for XXXX XXXX I immediately contacted them to inquire to this outstanding amount. The statement was for service for a period of time that we did not vacate the home. This was the reason for the immediate concern and spoke with customer service which stated that they see the disconnect and dates that service was disconnected but for some reason service was not disconnected but transferred to another person. I explained that I was not responsible for this amount and they told me that it would be taken care of. I never received any further information from them and assumed it was taken care of. Now this information is on my credit report with a collection agency for the power company. I need this removed civily or I will be forced to file suit against the for fraud.
Product: Student loan

I submitted a complaint about the way my public service loan forgiveness qualifying payments were being calculated. MOHELA claims I am 8 qualifying payments short. In their attached response they stated that my last date of certified employment is XX/XX/XXXX. This is incorrect as I submitted certification forms through XXXX of XXXX. I submitted these forms repeatedly. That means there are approximately 20 payments MOHELA is not counting towards my PSLF forgiveness when I am, according to MOHELA, 8 payments short. 

Additionally they states I was in an in school deferment from XX/XX/XXXX through XX/XX/XXXX. This is incorrect as I applied for and received forbearance during that time. I would like the documentation showing that it was in school deferment and not forbearance. If their records indicate that then the servicer at the time mis-recorded that. As forbearance of over 13 consecutive months these should also be qualifying payments per their own response letter.
Product: Checking or savings account

Bread Financial ( Comenity ) does not properly disclose that withdrawals are limited to {$5000.00}. Accordingly, for example, a consumer may deposit {$200000.00} and then not have access to the funds except in {$5000.00} increments. I believe this bank is fraudulently inducing consumers and in violation of fedeeral law.