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

Re : Feedback on XXXX XXXX XXXX  Complaint ID : XXXX Dear CFPB, I am writing to provide feedback regarding the response from Equifax about the inaccuracies reported on my XXXX XXXX XXXX account with account number ending in XXXX. While Equifax has claimed to update the payment history and other fields, significant inaccuracies remain, causing continued negative impacts on my credit report. 

Ongoing Issues with XXXX XXXXXXXX XXXX Reporting : Inconsistent Charge-Off Reporting : Equifax states that the creditor reported the status as correct, but the reported charge-off date and balance inconsistencies persist. My records show a different timeline and amount, which has not been rectified. 

Incorrect Account Details : Despite Equifax updating payment history and other fields, the balance and negative available credit remain inaccurate. The reported charge-off amount and available credit are inconsistent with my records and the initial dispute documents.

Ongoing Reporting Discrepancies : Equifax has failed to fully address my concerns regarding the first delinquency date, which still appears inaccurately on my credit report. The continued inclusion of incorrect historical account data continues to affect my creditworthiness. 

Incomplete Dispute Resolution : While Equifax claims adjustments have been made, the non-monetary relief falls short of fully resolving the dispute. The adjustments do not align with the factual evidence I have provided and continue to reflect inaccuracies.

Request for Further Review and Correction : I respectfully request that the CFPB review Equifaxs investigation and ensure that all inaccuracies are corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is critical for maintaining a fair and accurate credit report. 

Thank you for your attention to this matter. I look forward to a thorough resolution.
Product: Checking or savings account

I have Sofi Checking account. When I am doing any ACH in transactions- it's taking ridiculously long for that transaction to happen. Why it is taking long for funds to be available? Why there are holds in this account? Don't this bank trust me?

In every transaction I am talking - both are my accounts in different bank.

I deposited a check from Sofi to XXXX XXXX business account for XXXX but it's been returned with insufficient balance due to holds on this account by Sofi. 
Now XXXX XXXX will charge me {$12.00} return fees. 

Secondly why there is no way I can schedule a transfer for a later date? Sofi should not get the product out to the real world if Sofi is not ready? these are basics and customers in 2022 can not live without this kind of feature. As of this point, customer can only do immediate ACH transaction not after 1 day or next 30-60-90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX  {$8700.00} Opened XXXX, XXXX XXXX XXXX XXXX {$4800.00} Opened XXXX XXXX XXXX  I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update/correct these suspicious accounts. I think you have not validated these accounts 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 Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Vehicle loan or lease

Santander bank says there is a ten day grace period on auto loan payments but there charging me interest for every day I was late before the ten day grace period which was not stated anywhere clear in there contracts I called twice and they say this is a simple interest contract and will not refund the amount which the say is XXXX per day on top of the 22 percent they charge on the loan
Product: Consumer Loan

I have a complaint with Ally Bank Automobile Loan. I have accrued late charges on a car loan totaling over {$130.00}. Each time I try to make the payment online, it is applied to the vehicle payment. I have called and they have told my to add to the vehicle payment. I have tried with no avail. They hung up on me during my last call even though I was pleasant but not understanding how the late charges work or are accrued.
Product: Credit card

I requested information on the research that they did to prove that the two transactions were valid. They refused to provide information and said that they cant move forward with the case. One bill is for {$230.00} and the other is for {$1200.00} Dispute filed XX/XX/XXXX Sent more information XX/XX/XXXX Received letter and they closed dispute XX/XX/XXXX Just received letter XX/XX/XXXX and attempted to call company with no success. I dont care about some timeline just need these charges to be relived. Because of the timeline with the companies I could not have disputed these under the timeframe they require. 

Will send evidence upon further request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting false information my credit report. I have never done business with the agency. I have no knowledge of the debt they are claiming is mine and I requested a copy of a contract or agreement with wet ink signature
Product: Credit reporting or other personal consumer reports

am submitting this follow-up complaint regarding XXXX XXXX response to my original CFPB complaint dated XX/XX/year>. XXXX  has refused to act on my dispute, claiming it was not submitted directly by me or authorized by me. This claim is inaccurate, as I am the individual who submitted the complaint and authorized it. 

As a victim of identity theft, I disputed several fraudulent inquiries and entries on my XXXX  report that were made without my knowledge or consent. These fraudulent activities, which were included in my original complaint, are well-documented through my FTC Identity Theft Report ( # XXXX ) and police report ( XXXX XXXX # XXXX ). Despite providing sufficient documentation and evidence, XXXX has failed to investigate the disputed entries and has instead placed the burden back on me to start the process again, disregarding its obligations under the Fair Credit Reporting Act ( FCRA ). 

XXXX refusal to act on my dispute violates FCRA requirements, which clearly state : Under Section 611, a consumer reporting agency is required to investigate any dispute regarding the accuracy or completeness of information in a consumer 's file when notified by the consumer. 
The FCRA does not require disputes to be submitted in a specific format, as long as the dispute is clear, identifies the disputed items, and provides supporting evidence. 
I submitted my dispute with all required information, including my identity and supporting documentation, yet XXXX  has failed to process or investigate it. 
XXXX XXXX with XXXX XXXX : XXXX  incorrectly claims that my dispute was not authorized or submitted by me. 
XXXX  has placed unnecessary procedural barriers on my ability to dispute fraudulent information, in contradiction to the FCRA. 
XXXX inaction has prolonged the harm caused by fraudulent inquiries and entries on my report, which continue to negatively affect my financial reputation and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. My Equifax credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with Equifax, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

I have attached the letter I received from the company. It is a third party trying to collect on a medical bill I owe, I intend to take care of the bill but the letter I received has made me feel threatened to do so. Considering the balance i owe I do not feel these collection techniques should be used, threatening to garnish someone when they have not filed suit on even such a low balance seems unfair to consumers. 

All Americans are dealing with debt and medical bills should be something that is regulated differently. 

The fear of a lawsuit when trying to pay all other kinds of debt is terrifying.
Product: Debt collection

started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Student loan

I've tried reaching out to Nelnet about the violations that they committed as far as my rights are concerned, 15 US Code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, It clearly states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I never received a Form or anything about this company sharing the information that i submitted to them. and I would have thought out of all companies that this company would know not to just report anything on my consumer report. Because 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ) -Things that aren't supposed to be included on a consumer report. Information solely as to transactions or experiences between the consume and the person making the report, this does not include Consumer- is an individual ( Me ), Person- Any individual partnership, corporation, Trust estate , cooperative association , government, or governmental subdivision or agency, or other entity. Experiences & Transactions-Applying for a loan, credit cards, late payments, high utilization, charge off ( s ) collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. You don't have permissible purpose to be on my consumer report by law you have no permissible purpose to contact third parties with my private or personal information 15 USC 1681a speaks on a consumer right to privacy.
Product: Debt collection

XXXX is reporting negative items on my report that WAS NOT AUTHORIZED and BY LAW that is illegal. 
FDaCPA 809 Violation Misleading False Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with XXXX XXXX wrongfully reporting that an account had been settled with them was listed as " Settled - Less Than Full Balance '' incorrectly causing my credit score to be lowered. TransUnion removed this notation from my credit report ; however, it seems that XXXX XXXX has returned it to my credit report. I am asking TransUnion to once again remove this notation from my credit report, and if possible stop XXXX XXXX from reporting on my credit, as the account in considered closed. My previous XXXX XXXX is XXXX for reference.
Product: Credit reporting or other personal consumer reports

XXXX ( a ) XXXX XXXX ( a ) XXXX ( B ) XXXX XXXX ( a ) ( XXXX ) B
Product: Debt collection

The account 's misreporting as open violates FTC regulations ( 15 USC CODE 1681S-2 ), harming my credit score, financial stability, and reputation. This defamation impedes my pursuit of happiness unjustly.
Product: Credit reporting

XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.
Product: Credit reporting or other personal consumer reports

in XXXX my purse was stolen and I filed a police report. Also, I was a victim of the XXXX XXXX XXXX the same year. In XX/XX/XXXX, I went to XXXX and attempted to purchase my items with my checking account. XXXX denied my check. I called telecheck and they told me they had someone with a simillar Drivers License number that had debt on their file that was linked to my XXXX Report. I immediately Disputed the transactions, as they were not mine and that XXXX needs to put them on the other persons XXXX Report and Remove the negativity from mine. I awaited 45 days while they investigated the dispute and I submitted my bank statements, my ID cards, A handwriitten dispute form, a voided check, and the receipt I got at XXXX showing my check was denied by XXXX, my XXXX Report with the items I was Disputing circled, the police report i filed about my purse being stolen and an ftc report I filed about Identity Theft for the XXXX XXXX breach. 
I sent all these documents into telecheck. I WON THE DISPUTE. They sent me a letter in the mail telling me they removed the negative things from my file. a month later Im in XXXX and attempt to write a check- XXXX Denies it. I call XXXX and they tell me I need to wait another 30 days for the XXXX system to reset itself. 2 months later Im at XXXX, attempt to write a check, XXXX still denies it. I call telecheck and Im told theres NEW debt on my account from someone else with a simillar drivers license number. The XXXX operator tells me I have to put in a new dispute and wait another 45 days. So I do. And 4 months later I am at The XXXX and I write a check- telecheck denies it. I call XXXX and they tell me the amount of the check im writing is " to much '' its " above my normal check writing amount '' so the telecheck system wont approve my check. So i write XXXX for a smaller amount- and still denied. So I submitted another dispute. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to dispute again and again the same problem with XXXX XXXX XXXX  HAS NOT APPROVED XXXX SINGLE CHECK Ive attempted to write since XX/XX/XXXX. XXXX and a half years they have refused my checks and ive disputed and won the dispute only for them to do nothing to clear my XXXX file or allow me to write my own checks. They even have someone elses bank account listed as my account and they wont take it off. I am so tired of being embarrassed to go shopping and forget my debit card or have to write a check and then put all my stuff back because XXXX denies the payment. Im a victim and Embarrassment and Humility everytime for someone elses debt.
Product: Credit reporting or other personal consumer reports

Last month, I checked my credit report and noticed there was a fradulent credit card application for XXXX XXXX on XX/XX/25. I have never even applied or logged into XXXX XXXX before. It left a hard inquiry on my account. I contacted XXXX XXXX and they said they would fix it but nothing has been done. They mentioned they would send a letter to the 3 credit bureaus and it would take 30 days or more. Its been a month and a half and its still there. After that phone call, I put a Fraud alert on all 3 of my accounts for a couple weeks just in case. However, still nothing has been done. It is frustrating to talk to XXXX XXXX because last time I waited over 30 minutes and was transfered over 5 times. I contacted TransUnion again today. They told me to go ahead and file a fraud report since it was fraudulent and that this should help out the fraudulent inquiry on my credit report.
Product: Money transfer, virtual currency, or money service

Every week as a XXXX XXXX for XXXX I have had to accept fees to transfer money into my bank account same day via debit card. Otherwise I have to wait up to XXXX  days to transfer the money to my bank account free. I needed my money on the day they paid us and not XXXX  days later..I read about the lawsuit. What do I need to do to submit my info?
Product: Credit card or prepaid card

I was declined credit limit extension under applying with good faith.
Product: Debt collection

Credence resource management has called me multiple times from a multitude of numbers, all starting with some variation of XXXX On multiple occasions- they do not leave a message. When I get a chance to answer, I hear a beep and they hang up on me right away. When I call back, I ask who the company is but can never get a straight answer- usually somewhere along the line of Ill transfer you to the next representative but never gives an idea as for what. This has been going on for at least 2 months. Today, XX/XX/23, is the first time I was fully able to understand the companies name. I XXXX  them and found their website. As I live in NY, I asked to speak to XXXX XXXX and the woman I was speaking with became very scared all of a sudden and needed to put me on hold. She came back on the line stating XXXX wasnt available and wondering why I wanted to speak to him. I explained that Ive received multiple calls and wasnt sure why, was only made aware of the company today, and wanted to speak to XXXX. I also asked for any correspondence to be mailed to me. The woman ignored me about having my correspondence mailed and stated I would have to call XXXX tomorrow. I stated I would and ended the call.
Product: Payday loan, title loan, personal loan, or advance loan

I did an application with ( Avant ) for a personal loan of {$35000.00} on XX/XX/XXXX I requested in writing the factors involved in the consumer transaction under Title 15 USC 1611. ( Avant ) will not let me know why I was denied an extension of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this account, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. Account # XXXX
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 Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection