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

I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Equifax credit report : Account Names : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX Despite submitting evidence to support my dispute, Equifaxs failed to conduct a proper investigation. Specifically : 1. 2. 3. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Equifax was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concerned that Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. 2. 3. 4. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

Remove Inaccurate or Unverifiable Information : If Equifax or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Debt collection

FLAGSHIP CRD. Account # : XXXX I have contacted this to remove this unauthorized account from my credit report on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
Product: Checking or savings account

PNC Bank ; Personal Checking Account ; Monthly Fee Issue. 

I have signed up a checking account at PNC with work banking relationship. I was told the only requirement to have to waive monthly fee is to have a minimum balance of XXXX. I always have met the requirement. On XX/XX/XXXX I was charged the fee, by calling the customer service rep on XXXX I was able to get the fee refunded. In addition, the rep confirmed it was caused by a system error, and as long as I keep XXXX I will not be charged. 

Fast forward to today ( XXXX ), I logged my online banking and I have found out that I was being charged by monthly fee on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with {$15.00} each. I called the online banking department and explained my concern. The rep was able to refund me one fee of {$15.00} and told me I was given wrong info and they can not refund me other 3 fees totaling of {$45.00}. 

Subsequently the rep helped me to switch to a different product which only need {$500.00} average balance to waive monthly fee. Please see attached pic of all the transactions.
Product: Student loan

Wells Fargo received the paperwork needed for forbearance in due course but instead of processing the paperwork, the phone rep told me they required a payment to process it ( I could not pay due to financial hardship ). Wells Fargo chose not to process the forebearance and illegally sent the loan back to XXXX. Collections charges have mounted from this illegal act. 

I have since informed XXXX  of this issue and they failed to acknowledge it. XXXX proceeded to sell my loan to XXXX and did not inform XXXX of the issues surrounding the loan. XXXX has now sent the loan to the US Department of Education. 

Wells Fargo has since written this loan off as bad debt and resolved the account. XXXX and XXXX have no claim to this loan.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to multi-layered scam operations run by bitmart-trades.com which involved me making deposits for a total amount of XXXX USD from my Citibank account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

XXXX is reporting incorrect personal information such as my name and addresses. 
My name is or have never been the following : XXXX, XXXX, XXXX, XXXX I have never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also reporting inaccurate accounts on my credit report - XXXX  and XXXX XXXX ; I have reached out to these companies and they have not responded to me. I'm trying figure out why is XXXX reporting inaccurate information. These 2 accounts are not mine. 

Not to mention there are 15 inquiries that are not mine. Which tells me that someone has been trying to open accounts in my name. 

Transunion is reporting a XXXX account that does not belong to me. 

Please assist me with get this matter resolved. I need your help because XXXX and Transunion along with the companies are not responding. I shouldn't be made to suffer something that I have no idea about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score
Product: Debt collection

This Company Portfolio Recovery A Trying to collect a debit that was on my ex boyfriend account and he open a case with this company and they deleted from his account. Now they threat me over the phone that if I don't pay I will be arrested over the phone they told me do not hung up stay on phone till Sheriff Dept. arrive or pay now by credit card.That debit on is not legal.I will upload the prove.
Product: Debt collection

On XX/XX/XXXX, AMSHER Collection Services reported a {$630.00} collection account to the credit bureaus, claiming the debt originated from XXXX. This account is fraudulent and unauthorized. Despite my formal request for validation under FDCPA, 15 USC 1692g, AMSHER has failed to provide documentation substantiating the debt, including proof of agreement, detailed payment history, and evidence of their legal right to collect. Additionally, AMSHER has continued collection activities and reported the debt to credit bureaus without proper validation, violating both FDCPA and my rights as a consumer. 

These actions contravene key legal precedents, including XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), which underscores the necessity of proper debt validation, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which highlights the obligation to cease collection activities during validation disputes. AMSHER 's conduct is causing significant harm to my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the XXXX complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. I need the accounts below DELETED from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : XXXX XXXX Compliance and FCRA XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ). 

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the XXXX XXXX compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and XXXX XXXX guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly. 

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

Third time requesting. 

My XXXX is well outside 80 % since house prices have gone up and improvements made.

I have no 30 day lates in the past 12 months and no 60 day lates in the last 24 months. 

I need an Approved List of Companies to complete an official appraisal.

Unofficial appraisals right now have the house value at {$500000.00} to over {$600000.00}.

This defeats PMI, I am within the HPA requirements.

I need the instructions to remove PMI, a list of companies to use to purchase an official appraisal. NewRez/Shellpoint has not supplied this information.

I have not been 30 days late in the past 12 months. I was not considered " late '' when refinancing via the Federal Govt. 2 years ago. 

Please supply this information - 3rd time requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital one checking Account was denied. No reason supplied. Requested information from XXXX XXXX XXXX, but account was denied by Capital One, which owns XXXX XXXX XXXX 

I have never had an account in bad standing. The only issue is opening accounts and possibly closing them. Never a late fee or overdraft ever If a company can OWN a consumer reporting company, that means monopoly. There needs to be a third party recommending the reasons.
Product: Credit reporting or other personal consumer reports

The information provided for these accounts is incomplete and inaccurate, violating my rights under the FCRA. According to the FCRA, consumer reporting agencies, like XXXX, XXXX, and Equifax, are required to maintain accurate and complete information in consumer reports.I demand that XXXX, XXXX, and Equifax takes immediate action to remove these accounts from my credit report. Additionally, I request a thorough investigation into these discrepancies to ensure the accuracy and completeness of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00}, XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}. XXXX : XXXX XXXX {$440.00}, XXXXXXXX XXXX XXXX XXXX  {$630.00}. Equifax : XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXXXX/XX/XXXX {$440.00}, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted PennyMac Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) PennyMac reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, PennyMac reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and PennyMac records their calls - so the rep 's statements can be confirmed.
Product: Credit card

Lowes consumer credit card website routinely attempts to make consumer credit card statement payments " minimal amount '' or defaults payment dates to the last day prior to becoming delinquent in an attempt to increase revenues from late payments and interest. Multiple times I have selected the " pay current balance '' button on their bill pay site only to have the next page " confirmation page '' select the " minimum payment '' amount. I believe this is intentional and an attempt to increase revenue from interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I did not authorize these accounts. These accounts are fraudulent.
Product: Checking or savings account

I received a CARE 's act third stimulus federal payment in XXXX. Capital notified me that they would debit {$83.00} out of my account as part of the payment. I never agreed or had the option to contest this payment to the bank either verbally or in writing. Also, I signed nothing within the initial contract when I opened the checking account, allowing the bank to draft the {$83.00} without my consent. On XX/XX/XXXX, the money was drawn out of the account, overdrawing my account and the bank collecting potentially {$37.00} 's on each overdraft fee. When I called their customer service, they claimed that they would not work with me regarding another option or provide a temporary credit to my account to bring it back into the positive and stated that I could file an internal complaint which would take 30 days for the bank to respond to from there management.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements in the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

this is my second time writing to Experian about my personal information that's on my credit report.there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy. I demanded all of my names and address on my report to be deleted. Its incorrect and not accurate.Pursuant to the FAIR CREDIT REPORTING ACT 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX and all its subsections.
Product: Debt collection

This is related to my other 2 complaints ; I was XXXX  during my visit to my parents in the XXXX last XX/XX/. The visit was sponsored by my sister who were living in the US and also in their house I stayed. My stay in the hospital accumulated a large amount of bill which I can't afford to pay. That's the reason why I ask for assistance to XXXX XXXX because I don't know how to pay it because I don't have a job. I only rely to my husband 's little amount of salary along with our XXXX kids. And we barely have some spares with that kind of amount. It's only enough for our day-to-day necessity expenditures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet Student Loans XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on 2 different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called Nelnet/ US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )
Product: Debt collection

This is not a duplicate complaint but a complaint of credit cards payment policy. My credit card was stolen and because of Chases payment policies the credit limit was exceeded and even doubled when payments were made by the thieves. Let me explain. The thief used the card up to the credit line and then made bogus payments as many as 4 times in a short period! And Chase kept accepting the payments and freeing the card to use. Chase never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Chase surprisingly was not aware of this tactic until I brought it to their attention and requested the method of payments. I am not responsible for Chases 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Chase could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Chases software doesnt allow a hold, they should have at least be alarmed when multiple bogus payments were made on the same account. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Chase denies fraud, and accuses me of siding with the thieves to my own detriment. Unbelievable!
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and XXXX  with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

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

On XX/XX/2020 I received an alert of an Inquiry on my Trans Union credit file., This Inquiry specifically that of XXXX XXXX  on XX/XX/2020 was not authorized by me., I contacted Trans Union Credit Bureau the same day however I was on hold for over three hours and unable to speak to a credit representative., I was even notified. Is letter from XXXX XXXX XXXX, letter dated XX/XX/2020 and received by me on XX/XX/2020 in this letter they specifically state someone used my information fraudulently and unknown to me and thereby declined the application..