23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am usually not afforded the ability to view a location prior to moving there, meet with landlords personally, or tour homes. Because of this, often times we have to view properties online through applications like XXXX. 

On XX/XX/22, I found a home on XXXX for rent. I completed the application for the property that was said to be for rent by the owner. I confirmed the name of the owner listed on the site, matched the owner in the XXXX XXXXXXXX parcel record. 

On XX/XX/22, I received an email and call from the owner letting me know that I had been selected for the property and if I wanted it, the next step would be to sign the lease and submit the deposit of {$1200.00} and the first months rent of {$1200.00}. The owner used XXXX, which I have used in the past and assumed it was a reliable service. 

On XX/XX/22, I sent the first transaction to the " landlord '' via XXXX attached to my USAA app. USAA adds a transaction limit of {$1000.00} per 24 hour period, so I would have to make these payment in XXXX transactions. On XX/XX/22 I sent the next {$1000.00} and on XX/XX/22, I sent the final transaction of {$400.00}. Totally in {$2400.00}. My landlord said he only got 1/3 payments even though I received receipts from USAA. When I called USAA, they confirmed the money had left my account. The landlord sent me a screenshot of his XXXX transactions from his XXXX  XXXX XXXX account, showing only one transaction. After a week, I asked the landlord if we could have a conference call with him and his bank, XXXX XXXX XXXXXXXX, so that I could hear directly from them that they had not received funds. At that point, he stopped answering my emails, texts, and phone calls. When I attempted to call him XX/XX/22, his phone was disconnected. It's evident I have been scammed. 

That night, I called my XXXX  to dispute the 3 charges. I received notification from them on XX/XX/22 that they were not returning the funds/the recipient 's bank would be responsible for this and were also not returning the funds. Essentially they were blaming me for the scam, which is extremely disheartening. I called XXXX and XXXX XXXX XXXX, they also were unwilling to do anything. Now I'm out {$2400.00} which is a significant amount of moving, especially before a move and the holidays. I'm extremely disappointed in USAA and really am considering taking my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau didn't go to the furnisher of my chapter XXXX bankruptcy but instead they used a third party company like XXXX  or XXXX the original furnisher is the court house they didn't verify this with the court because I contacted the court house and they said they don't report to any credit bureau so why is this on my credit please remove this immediately
Product: Credit reporting or other personal consumer reports

I am writing to address severe discrepancies I discovered during an investigation of my credit report, which has significantly impacted my mental well-being. Upon thorough review, I uncovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately.

As stipulated by the Fair Credit Reporting Act, it is imperative that all information on my credit report be 100 % accurate. However, I have identified several accounts that are in direct violation of this mandate, as outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I have attached copies of all correspondence previously sent to your agency regarding these discrepancies for your reference. 

I expect prompt and thorough investigation and resolution of these issues in compliance with federal law. Failure to address these violations will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subsequent to the Equifax breach in 2017, I asked all the agencies to freeze my credit file. 

Recently, in order to obtain credit for a home refinance, I asked all the agencies to unfreeze my file. All but Equifax have complied with my request. 

When Equifax implemented the freeze in 2017, they sent a letter stating what would be required to unfreeze my file when that time came. I complied with their letter in every respect when requesting that my credit file be unfrozen. Equifax has come back to me several times to request additional information. 

Again, I have complied in every respect with the requirements specified by Equifax when my credit file was frozen. I have even provided some additional information to confirm my identity. 

Recently I received another letter asking for the same information I have already provided ( my driver 's license ). 

I certainly appreciate the importance of confirming the identity of a requestor in a situation such as this, however, I have complied with their requirements, I have provided other information that will further confirm my identity and I have corresponded with the company several times about this matter - all to no avail ... and I still am unable to access credit to refinance my hoime.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Reporting Agencies for Improper Handling of Charge-Off Disputes To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing as a deeply dissatisfied consumer to file a formal complaint regarding the mishandling of my credit report disputes by the credit reporting agencies ( CRAs ). Despite my legitimate challenges to the reporting of charge-offs on my credit file, these agencies have failed to conduct proper investigations, yet continue to report a balance due, enabling original creditors to potentially collect payments multiple times for the same debt. This behavior is not only unacceptable but potentially fraudulent. 
My disputes relate to the reporting of charge-offs, which are inaccurately reflected as balances still due. The CRAs claim to have " verified '' this information, but their so-called verification process is nothing more than an automated ID match through a computer system. This lazy and flawed approach does not constitute a proper investigation under the Fair Credit Reporting Act ( FCRA ). 
Moreover, the continued reporting of a balance after a debt is charged off is an accounting error that the CRAs are fully aware of. Such actions have significant implications for both myself and the IRS. If the original creditor has indeed charged off the debt, they are required to issue a Form 1099-C for canceled debt income. I demand a copy of this form so I can accurately report it as income on my taxes and ensure compliance with federal law. By failing to address this matter and allowing this erroneous reporting to persist, the CRAs are complicit in facilitating a potential violation of IRS regulations. 
Under the FCRA, the CRAs are obligated to ensure the maximum possible accuracy of the information they report. Their failure to investigate my disputes properly and their continued reporting of inaccurate balances represent clear violations of this obligation. Furthermore, this practice exposes me to potential tax liabilities and creates unnecessary financial and emotional stress. 
I am seeking the following remedies : 1. Immediate removal of all inaccuracies related to the charge-offs or collections reported on my credit file.

2. Copies of any Form 1099-C issued by the original creditor to substantiate the charged-off debt.

3. Compensation of {$1000.00} per violation, as stipulated by the FCRA, for each instance where the agencies failed to comply with their legal obligations.

4. Any additional statutory damages deemed appropriate for the harm caused by their negligent and fraudulent actions. 
I urge the CFPB to hold these agencies accountable for their blatant disregard of consumer rights and their legal responsibilities. This matter has caused significant harm to my financial health and well-being, and I expect swift and decisive action. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and inform me of the steps being taken to address it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal permission Per 15 usc 6802. This is effective immediately.

For only the accounts and inquires listed in my complaint. The Law states it is illegal to report transaction history. 
Who gave you the CRA, and these other companies permission to furnish my privacy. This is a violation of my privacy, and your duty as a transfer agent to my ACCOUNT. You are damaging my reputation with false information. 

I want the listed information removed and my score updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX the consumer recognized in the FDCPA, Im looking at my consumer report and Ive noticed unauthorized inquires on file, dating XX/XX/XXXX, pursuant to title 15 U.S.C 1681 B ( 2 ) I never gave written permission for these to be posted. According to the FCRA these need to be deleted from my credit file. It is your duty to make sure accurate information is posted to my consumer report pursuant to Title 15 U.S.C 1681 2 ( b ) and Title 15 U.S.C 1681 e. If you feel as if the information I provide is inaccurate, presentment is in a form of Affidavit of Fact, so no material or misrepresentation has been completed .If you believe I obtained services I need a senior executive member of this company put on a affidavit, signed under penalty of perjury, signed and notarized. These inquires need removal from my consumer report because they never had written permission to pull my personal information. Only my current open credit cards should have permission to post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XX/XX/2020, received notification of its delivery to TransUnion on XX/XX/2020. I was disputing 4 accounts that are not reporting accurate statuses. However, instead of addressing or correcting the issue, TransUnion responded to OTHER items that I didn't even request disputing on!
Product: Credit card

I have held a Kohl 's charge card for years- I always pay my bill my in full so the interest rate ( currently around 24.99 % ) never mattered to me. I had no knowledge that they were eliminating their store charge card, and I never applied for another Kohl 's card. Regardless, I just received a letter from Kohl 's that they are " excited to let ( me ) know that ( I ) have been chosen for the new Kohl 's Rewards Visa. '' This new charge card comes with an APR of a ridiculous 31.24 %.

While their APR will not affect me, I find is DISGRACEFUL that they will be charging this usurious rate to many people who can not afford it. Many of their customers will never look at the paperwork notifying them of this charge, will unknowingly accept this " exciting '' change in terms, and will unwillingly slide further into debt. I think this action by Kohl 's is disgusting.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Number : XXXX Type : Secured LoanResponsibility : IndividualDate Opened : XX/XX/XXXX, XXXX : ClosedStatus Updated : ___________Balance : $ XXXX Updated : Paid OffRecent Payment : XX/XX/XXXX, XXXX Payment : $ XXXX Balance : $ XXXX Balance : $ XXXX : 0 % Interest, 90 Days Repayment Period XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Request to Update Credit Profile with Missing Public Record InformationDear Credit Reporting Agency , I am requesting an update to my credit profile to include missing public record information that accurately reflects my financial history. Below is a structured summary of the relevant public records for your review and update : Loan Transaction SummaryLien Financing StatementDocument Type : XXXX XXXX XXXX Number : XXXX Filed : XX/XX/XXXX, XXXX : This document confirms the initiation of a {$10000.00} loan with a security interest on specified assets. It establishes the legal framework for the loan and signifies my obligation to repay.Restate CollateralDocument Type : Restate CollateralFile Number : XXXX Filed : XX/XX/XXXX, XXXX : This update reflects adjustments to the collateral originally pledged for the loan. It demonstrates continued compliance with the loan agreement.Restate CollateralDocument Type : Restate CollateralFile Number : XXXX Filed : XX/XX/XXXX, XXXX : Further updates to the collateral indicating adherence to loan terms and conditions, showing ongoing financial diligence.Add CollateralDocument Type : Add CollateralFile Number : XXXX Filed : XX/XX/XXXX, XXXX : This filing shows the addition of collateral to secure the loan further, underscoring my commitment to maintaining sufficient security.TerminationDocument Type : TerminationFile Number : XXXX Filed : XX/XX/XXXX, XXXX : This document signifies the full repayment of the {$10000.00} loan and the release of the XXXX on the collateral, proving complete fulfillment of loan obligations.Request for UpdateI request that you update my credit report to reflect the following information : Loan Amount : $ XXXX Initiation Date : XX/XX/XXXX, XXXX Adjustments : XX/XX/XXXX ; XX/XX/XXXX, XXXX Collateral : XX/XX/XXXX, XXXX Termination : XX/XX/XXXX, XXXX DocumentationAttached are copies of the following documents for verification : Lien Financing Statement ( File Number : XXXX ) Restate Collateral ( File Number : XXXX ) Restate Collateral ( File Number : XXXX ) Add Collateral ( File Number : XXXX ) Termination ( File Number : XXXX ) Please incorporate this information into my credit report to ensure an accurate reflection of my credit history. If additional information is required, do not hesitate to contact me at XXXX or XXXX you for your prompt attention to this matter.Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Debt Recovery Solutionsis reporting a medical debt on my personal credit report with all three major credit bureau 's ; XXXX, XXXX and XXXX as of XX/XX/XXXX via an alert through XXXX, XXXX and XXXX. I do not owe Debt Recovery Solutions money nor have I ever received medical services from Debt Recovery Solutions. Additionally I did not authorize any medical provider to violate my Hippa rights and provide my personal and medical information to a third party company. I have not signed nor consented to Debt Recovery Solutions reviewing, obtaining, reporting, or consulting on my personal and medical history. I have a signed Revocation of Authorization for XXXX to not disclose any information to Use or Disclose Health Care Information to any third party This is a violation of Health Insurance Portability & Accountability Act of XXXX and also a violation of the Fair Collection Practices Act. I, numerous times have tried to deal with this issue. Debt Recovery Solutions sent me a letter on XX/XX/XXXX for a debt they say for XXXX, On XX/XX/XXXX I sent them a certified letter, they were not able to. On XX/XX/XXXX I sent them a second letter on failure to validate and and cease certified. ON XX/XX/XXXX I received a notification from XXXX, XXXX and XXXX that Debt Recovery Solutions has noted a collection on my credit. They have violated my Consumer rights by not validated a debt, They reported a a disputed debt to the CRA and the FCRA violation - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation - Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation
Product: Checking or savings account

XX/XX/XXXX : failure to follow standard policy for making funds available for mobile check deposits in the amount of {$220.00}. 

XX/XX/XXXX : Failure to make the additional {$450.00} available per policy. 

The bank initially made {$40.00} available and racially discriminated against me..
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$7600.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$400.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXXI XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$60.00} ; XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for its repeated failure to properly investigate inaccuracies on my credit report. Despite my diligent efforts to dispute incorrect information, Equifax has consistently responded within 24 hours, asserting that the disputed accounts are accurate. However, these responses lack evidence of a thorough investigation, a violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are obligated to conduct reasonable investigations into disputed information. Equifax 's failure to fully investigate my disputes and provide substantiated evidence of the accuracy of the accounts in question is a direct breach of this requirement.

Furthermore, Equifax 's actions violate the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S. Code 5536 ( 1 ), which prohibits any covered person or service provider from : ( A ) Offering or providing financial products or services in a manner inconsistent with federal consumer financial law, or committing acts or omissions in violation of such laws ; or ( B ) Engaging in unfair, deceptive, or abusive acts or practices. 

By failing to properly investigate disputes and by issuing cursory, unsupported responses, Equifax has demonstrated unfair and unethical practices that negatively impact consumers. 

Specifically, I have disputed the following accounts as inaccurate : XXXX BANK XXXX This account is marked as closed but shows " XXXX Potentially Negative Months '' on my credit report, which is erroneous. 

XXXX XXXX  XXXX This account contains inaccuracies that Equifax has not adequately investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt - Which shows on the credit report a poor score of 30 % I request that the Consumer Financial Protection Bureau take action to ensure Equifax complies with federal law. Equifax must conduct thorough investigations into disputed accounts, provide consumers with proof of its findings, and remove any inaccurate or unverifiable information from credit reports.
Product: Credit reporting or other personal consumer reports

XXXX please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. You are also furnishing information to only Transunion which is also a violation. The balance being reported does not match any of the documentation I have for this account. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable. Not only is this account closed, but you are also reporting a balance trying to collect when it says that this account was sold. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Mortgage

My mortgage was sold to Loancare in XX/XX/2020. On XX/XX/2020 I made a onetime payment and set up auto payments to come out the first of every month through the my bank. In XXXX I noticed that No payment had come out on the first. After more checking it had not come out for XXXX either. I had an email saying thanks for setting up auto payments. I contacted Loancare to find out what was going on. After a couple of days I finally got an answer. They said auto pay had been set up but it takes 30 day to go into effect. This meant that my XXXX payment did not come out on the first which put me in default and they wont pull payments from auto pay if your in default. Thus they didnt take out XXXX payment. On XX/XX/XXXX, i made a re was no one time payment of {$3300.00} to get everything straightened out. They said there was no number for the credit department but I could file a dispute.I filled a dispute with Loancare. On XX/XX/XXXX they sent me a letter saying the previously reported information was correct. 
Ive had no lates on my mortgage for like 7years. Im trying to refinance and get a better interest rate but this has messed with my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally report the improper use of my credit report, which I believe was accessed or shared without my consent, in violation of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my records, I have reason to believe that my credit report was accessed without my authorization. To my knowledge, I did not provide written consent, nor was there a permissible purpose as outlined under the FCRA, Section 604.

Under the FCRA, credit reports may only be accessed for legitimate purposes, such as applications for credit, employment, or insurance, or other legally valid reasons. Sharing or accessing my credit report without my permission constitutes a breach of these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is NOT going by Metro2 standards and procedures and is reporting information on my report that does NOT follow guidelines under METRO2 LAWS