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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXX - {$3800.00} XXXX XXXX Account Number : XXXX - {$2700.00} XXXX XXXX  Account Number : XXXX - {$1200.00} XXXX XXXXXXXX XXXX Account Number : XXXX - {$690.00} XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX - {$790.00} Dept of Education/XXXX  Accounts : Balances ranging from {$160.00} to {$4200.00}, as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX - {$1600.00} XXXXXXXX XXXXXXXX XXXX Account Account Name : XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Status : Unknown Payment History, Closed Bankruptcy Information Reference Number : XXXX Record Type : Bankruptcy XXXX XXXX - Discharged Court : XXXX XXXX XXXX XXXX XXXX Inaccurate addresses and phone numbers Addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone Numbers XXXX XXXX XXXX Remove these inaccuracies immediately. 
7. Inaccurate Employers The following employers are inaccurately listed on my credit report and must be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX These employers are not associated with me and must be removed. 

Numerous unauthorized inaccurate hard inquiries were made on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Finance : Multiple dates in XXXX XXXX XXXX XXXX  : Multiple dates in XXXXXXXX XXXX XXXX XXXX Multiple dates in XXXX Additional inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want reported accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off Greensky loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a XXXX balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded Greensky XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
Greensky is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont know the date but contacted the credit bureau gave me info of the the debt collector, NCA for {$1300.00} was a {$900.00} loan I supposedly pulled out. When I was asked for address I lived at and employer I worked for it did not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate credit reporting. Personal information.
Product: Credit reporting or other personal consumer reports

I have disputed that the payments were never made late and asked to provide me proof XXXX times. Payments werent late and loan was payed off in full. This is severely impacting my XXXX XXXX. M/t bank I even tried to call them and they never helped me
Product: Mortgage

For the past 4 months, my mortgage company has returned payments for XXXX accounts I have with them because there was a past due amount that I did n't know about and therefore my payments were not enough to cover. I spoke with a rep with the mortgage company on XXXX XXXX to try to come up with a plan to get caught up. We set up a 5 month payment plan, verified the first payment amount, and he made sure I had the receive code to send the first payments through verified funds. When I was having trouble sending the payments, I called OCWEN and was told that the payment plan was not actually set up, that a manager call back was scheduled ( that I was not told about ) and that both properties are now in foreclosure status. In addition, there has been someone going to the property I rent out and harassing my tenant, telling her about the mortgage being behind, and telling her they would go out there every month until the debt was paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : FactorTrust , IncXXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX, I am an Amex platinum card holder and have been an Amex customer for XXXX  years. 

On XX/XX/XXXX I booked XXXX business class tickets with Amex Travel to XXXX and XXXX for {$9800.00} ; Record Locator : XXXX. 

The agent that helped me with the ticket made some errors by voiding one of the possible tickets a day later because of which XXXX  XXXX  apparently canceled my ticket on XX/XX/XXXX ; I missed the email ( no one from AMEX travel cared to call me ) and noticed it on XX/XX/XXXX. I called up Amex travel to find out what happened, after a long time of trying to find out the problem ; they realized their mistake. I was asked to call back the next day so that someone can contact the airline ; I booked a new ticket because I can't cancel the family trip ( a regular economy class this time ). I called back the next day and after several hours of waiting and transfers ; I was told that they can not refund my money till the airline refunds the money which may take 1-2 billing cycles + I may have to pay {$400.00} which they have requested as a complaint given that it was Amex System issue. I was told that I can call the dispute department to get my money back while the investigation and refund is processed. 

Amex dispute department told me that they can not open a dispute against Amex AND that Amex travel should be able to fix it. I called Amex travel again and after several hours requested to be transferred to the supervisor- who basically told me that He doesn't care. The credit card company is keeping {$10000.00} of my money for a product they canceled and caused an immense inconvenience to me. Why should I be charged XXXX for 2 months for a good or service that was canceled by the vendor/ service provider ( XXXX XXXX  ) because of a mistake of the middleman ( Amex travel ). 

Imagine how unreasonable it is that Amex 's dispute process ( which I have gone thru for a third-party travel agent ) puts the money back in my account so that I do not have to pay for a wrong charge during the investigation BUT when their own travel departments makes a mistake ; I am expected to wait for 2-3 billing cycles ( upto 90 days ) to get my own money back. $ XXXX is not a small amount of money. 

I hope CFPB will help me get the money back but would also charge a penalty from Amex for this misconduct. 

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

In my credit report is not showing my mortgage loan update ; shows as closed but I am paying my mortgage every month. I called XXXX and they said that I must call my lawyer ; I called my lawyer and she said that they never return the letter that she sent them saying that mortgage wasnt included in my bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Subject : Request for Update of accurate Credit Information Dear Equifax Customer Service, I am writing to formally request an update to my credit report under the provisions of 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

Upon reviewing my credit report on XXXX XXXX, I noticed that my XXXX account is being reported inaccurately on Equifax. I have confirmed that the information is correct on my XXXX XXXX report. 

Inaccurate credit reporting can undermine public confidence in the banking system, as highlighted in the Congressional findings. Therefore, I kindly ask that you investigate this discrepancy and update my credit report with the correct information at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX/XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my Identity Theft Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Bank account or service

I have an account with Wells Fargo. I withdrew {$350.00} on XXXX/XXXX/16 at the branch. Wells Fargo charged my account {$35.00} for this transaction, then they charged me 5 times {$35.00} for a total of {$170.00}. The money was in the account when I withdrew the {$350.00}. 

I had a direct deposit on XXXX/XXXX/16 for {$1200.00}, Wells Fargo still gave me an overdraft fee of {$35.00} although the money was in the account. 

I feel as if these fees are extra and unlawful.
Product: Credit reporting

I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free '' credit monitoring.come to find out II was charged $ {$17.00} for the " free '' credit monitoring.this is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed immediately.
Product: Credit card

I received my statement from Comenity Bank for my Total Rewards Visa. The statement date was XX/XX/scrub>XXXX  with a due date of XXXXXX/XX/year>. The total balance was {$10000.00}. I paid this amount in XXXX and it was credited on XX/XX/year>. On XX/XX/year> I received the XXXX statement - expecting a {$0.00} balance as I also froze the card and no longer using it. Instead, I received a statement reflecting that I now owe a further {$100.00}. I called as this was an error, but was advised that no error as they have no grace periods and they never have. I asked for a Supervisor, but he only confirmed that I owe. I asked if I paid the new balance would I continue to receive smaller and smaller statements as interest continues to accrue - even when paying in full. He advised YES and that I could just overpay to avoid this. I researched on your website and called my other cards, but their practice seems illegal. There is supposed to be a grace period if paying balance in full before due date. Community told me NO. I feel they are breaking the law here. Please help as I must continue to pay to preserve my credit and payment history.
Product: Debt collection

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX
Product: Credit reporting or other personal consumer reports

Hello! 

My name is XXXX XXXX XXXX. I am writing to indicate that I have a social security number that is all mine and it is unique. My social security number is the only one I have and also it is the only one that I have ever used. 

Please strike all other social security numbers from my credit file. 
As I have only used one, which is mine, and I will continue to use only one mine for the rest of my entire life. 




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

This is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have been engaged in a refi process with Citi Mortgage ( loan number XXXX XXXX since XX/XX/XXXX. I had my credit checked, submitted all of the requested paperwork right away, and worked with my loan officer and the underwriting department to answer any questions they had. I asked them if I needed to have an appraisal. Since I live in Idaho and the home is in Virginia, I wanted to schedule the appraisal when I would be on the east coast, as I was there for two months from XXXX  to XXXX. However, my loan officer said that they only needed an external appraisal and I didn't need to worry about it. Then I was told the first week of XX/XX/XXXXthat my refinance was approved, all documents were in hand, and someone would be calling me that week to schedule my closing. Several months went by and no progress was made. When I asked, I was told that they were still working on the loan, that my closing was imminent, but they were extremely backed up due to heavy volume because of low interest rates. In XXXX, my credit was pulled AGAIN without my authorization, which I did not appreciate since it affects my credit score. I shouldn't have to have my credit pulled again because they took on too many customers and can't properly attend to my file. They also asked me to re-upload the same documents that I had already uploaded to the loan portal several times, which I did again. In addition, my loan officer suddenly told me that they needed to schedule an appraisal, which was very frustrating since, back in XXXX, he told me I didn't need one. I told him that I am in Idaho and wouldn't be back to Virginia until  XXXX due to my work schedule and COVID-related travel restrictions, and I asked what the options were. I expressed my frustration that they were asking for an appraisal now when they insisted in XX/XX/XXXXthat they didn't need one. If they had worked on my file between XX/XX/XXXXand XX/XX/XXXX, they would have been able to notify me of their mistake while I was on the east coast. In XXXX, I suddenly received a letter saying that my refi was now being denied with no explanation. I have emailed and called multiple times over the last two months and I cant get an email or phone call back from the loan officer, his supervisor, the underwriting department, or anyone else. When I called today, they said that my file said it was being denied because of my income ; however, I have been paying this mortgage with Citi Bank / XXXX  since XXXX, the new payment after the refi is roughly the same as the mortgage, and my income is about six times more than when I first got the mortgage, so I know my income and/or my monthly DTI is not the problem. However, I can't get an explanation as to what the problem actually is because every time I call or email, I get no response or I am not allowed to speak to a supervisor who could actually answer my questions or help me. This is extremely frustrating, so I have no choice but to file a complaint and to try to get the inquiries removed from my credit report, especially the second inquiry which I did not authorize.
Product: Checking or savings account

I used XXXX to purchase concert tickets through PNC and it turns out it was a fraud. I contacted PNC and they told me there is nothing they can do about it. The transfer was still pending and they couldn't stop it. I sent {$170.00} and PNC just told me " oh well ''.
Product: Debt collection

I had insurance that paid the full amount at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX and this debt shows up after the XXXX XXXX  leaves the medical center and I have not seen him since. I still go here and I am not billed outside of the small XXXX XXXX procedure that has somehow gone over to collection without me being able to challenge the insurance company over 2 years ago and/or XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple attempts I have made to rectify the fraudulent items on my credit file. I believe that my case has not been given the attention and resolution it deserves, and I am compelled to file a formal complaint. 

I first became aware of unauthorized and fraudulent entries on my credit report. Since then, I have diligently followed the proper procedures by submitting detailed dispute letters, providing evidence of the fraudulent activities, and requesting a thorough investigation into the matter. Despite my persistent efforts, I have encountered a lack of responsiveness and effectiveness in addressing this serious issue. 

The fraudulent items on my credit file are adversely affecting my credit score and financial well-being. I have attached copies of the supporting documents, including but not limited to police reports, affidavits, and any correspondence related to the fraudulent activities. It is disheartening that despite the submission of this evidence, the inaccurate information remains on my credit report. 

I understand that credit reporting agencies play a crucial role in maintaining the accuracy and integrity of consumers ' credit information. However, the repeated failures to rectify the fraudulent entries in a timely manner have not only caused undue stress but also have potential long-term consequences on my financial stability. 

I am seeking your immediate attention to this matter and request a comprehensive and expedited review of my case. I insist on a thorough investigation into the fraudulent items and a prompt removal of the inaccurate information from my credit report. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I am prepared to escalate this matter to the appropriate regulatory authorities and seek legal counsel to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am asking for your assistance to remove these fraudulent items in my credit file : 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: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite me using Zelle numerous times and reported discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and tracking these transactions were infeasible.
Product: Payday loan, title loan, or personal loan

I have 3 lines of credit with Upgrade only way to complete application was to provide access to my checking account. I have since learned Upgrade steals all the information from my checking account and sales the data without my permission, Moreover, all my medial bills are paid through this checking account including XXXX XXXX XXXX XXXX treatments. Upgrade steals that information which is a serious violation with HIPPA again without permission. As a result I stopped paying and using all these accounts. I have and are again requesting all my accounts closed and for Upgrade to CEASE and DESIST contacting me in any way unless its due to civil action.