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

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

I have recently become indigent due to XXXX XXXX XXXX where I have XXXX XXXXXXXX XXXX times and have been XXXX XXXX XXXX XXXX  I have made every contact to Citi Bank Credit Card only to be threatened via telephone after making them aware of the fact that I am experiencing homelessness in XXXX XXXX, California, as well as being affiliated with several homeless missions throughout the area. 

At 1 point in time I was making a great living working in California 's XXXX XXXX industry and without going into too much detail, we were paid in the form of donations with hardly any XXXX XXXX. I have also worked with what I was told were XXXX affiliates, however now I being told these XXXX  clusters were in fact not of XXXX relations. 

Fast forward to present day : After being placed on XXXX XXXX, losing ALL forms of gainful employment, having ALL bank accounts closed and being completely dependent on XXXX - life has hit rock bottom. I have XXXX recollection of filling out ANY paperwork to receive any line of credit from CITI and I refute ANY and ALL claims I believe were falsified against me. Furthermore, I'll reiterate, I am suffering from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all of which I take or have taken XXXX  for ). 

These malicious intent having Citi Bank Credit Card Collections have caused me emotional duress. I was harassed and threatened over XXXX times including Sundays and before XXXX and after XXXX! I was threatened with incarceration.
Product: Mortgage

I am currently in a loan that was not really disclosed properly by my lender and now i have been trying to find someone anyone to help me get this loan change to a fixed 30yr and have impounds account attached. i have try loan modifications only to be told im current on house payment and have too much equity in my home.due to only my income i evem filed chapter XXXX to pay off all my debts so i can continue to make my mortgage. i was told by a manager at chase due to the bk they ca n't help and ca n't put me in impound acct. my house was not included in the bk and i just need this loan to be turned into a fixed XXXX with impound s and at an affordable rate can manage. i feel chase has not been helpful in this situation so im hoping you will beable to help. thank you
Product: Credit card or prepaid card

****Company : Chase**** ****Products Used : Chase Sapphire Reserve XXXX Chase Freedom, Chase Freedom XXXX**** ****Timeline of Events : ( XX/XX/20 ) - I update the Chase credit card app with new banking information, and use the new bank account to pay all 3 of my cards. The payments were for {$80.00}, {$830.00}, and {$380.00}, for a total of XXXX $ XXXX. For context, the total line of credit across all three cards is $ XXXX. I've been a loyal Chase customer for over 5 years and have never missed a payment or spent over 5 % of my credit limit. 

( XX/XX/20 ) - I notice in the Chase app there are return payments on my cards, meaning the payments did not go through. 

There's no stated reason for the return payments in the app, so I call Chase. The customer service rep explains the payments were declined from the bank due to missing account information. I realize I must've entered the routing information wrong. 

I correct the banking information in the app, and ( this will be important later ) ask the rep if I need to be aware of any fees or penalties associated with the late payments. They assure me that my account will continue operating as usual. 

( XX/XX/20 ) - I take my car to the auto shop for an oil change. I walk down the street to buy lunch. My Chase cards are all declined. I call Chase, to learn my accounts have been closed. 

A customer service rep explains that return payments triggered the account closure. A lending specialist explains it will take 1-2 weeks to reinstate the accounts. In addition they had to perform a hard credit pull, just to re-validate my creditworthiness. 

I don't have my debit card or another credit card on me, and I didn't bring cash, so I'm left stranded. **** ****Complaint : Chase gave me false information about the potential negative repercussions from returned payments. Once a decision to close my accounts was reached, I wasn't notified in a timely manner, leaving me in a precarious decision. Despite the fact I'm signed up for phone and email alerts from Chase, I didn't receive a call/text/email. Instead, a letter is mailed ( which as of writing, XX/XX/20, has yet to be sent ). ****
Product: Mortgage

I accidentally made an extra payment on my mortgage with Home Point Financial in XXXX, 2021, such that XXXX payments were made. My online account management portal indicated that no payment was due in XXXX, 2021. I then adjusted the autopay feature of my mortgage to draft my next payment on XX/XX/2021 because I was a month ahead of schedule with regard to payments. On XX/XX/2021, an autopay payment nonetheless was drafted from my bank account. I spoke with a customer service representative, who explained that a system error had occurred and that I should submit a request for refund from their general help email address. I submitted this request, only to be notified by Home Point Financial that they would not do so without a bank statement reflecting the draft. I explained that bank statements are obviously provided at the end of months, while the payment they incorrectly drafted occurred on the first day of the month in question, and thus I could not furnish a bank statement -- I provided a screenshot nonetheless of my bank transactions to reflect the incorrect autodraft payment. Home Point Financial 's customer service once again insisted in reply that I must provide a bank statement. I would like to bring to attention this deceptive and predatory lender 's tactics to dodgXXXX accountability for an error on the part of their payment processing systems, and unwillingness to rectify the results.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Under FCRA Section 623 XXXX  - Remove Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX - Remove Account XXXX XXXX - Remove AccounXXXX XXXX XXXX XXXX XXXX  Remove Account XXXX XXXX XXXX - Remove Account
Product: Checking or savings account

I still have no access to my funds ( monthly deposits from my corporate pension ) since my current bank bought my checking and savings accounts from another bank. I live in XXXX, XXXX and possess no US phone therefore it is impossible to have e-banking or the XXXX banking app. The only option to access my funds are with the debit card and a valid PIN. To this day, the two PINs I was provided are Invalid PIN. 
Despite earlier promises, the bank finally shipped me my debit card via XXXX on XX/XX/XXXX, however, the bank forgot to send the PIN via a separate post. I received the letter with the PIN finally on XX/XX/XXXX, however this PIN to this day remains Invalid. On XX/XX/XXXX XXXX XXXX tried to help by activating the card and by providing me exceptionally with a temporary Pin over the phone, however that PIN as well has been Invalid. 

Almost all customer support assistants that I spoke to, are very friendly, patient, resourceful and professional. However my problem remains unresolved despite 13 lengthy phone calls after the bank takeover took effect : On XX/XX/XXXX ( XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX, who then passed me to XXXX XXXX XXXXwas disconnected ), XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXXy -was disconnected ), XX/XX/XXXX ( XXXX XXXX & XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX XXXX? ), XX/XX/XXXX ( XXXX XXXX & XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ) I also made several calls before the merger and was told to wait until after the merger date. 

On XX/XX/XXXX ( today ) XXXX XXXX confirmed that a new PIN will be posted to me. Given that the previous PIN posted to me has been invalid, I do not expect that the new PIN, which I should receive approximately by the end of XXXX, would be any better. I would appreciate any help you can provide me with. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, XXXX 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX 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 proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX and XXXX Department of Education acct XXXX XXXX.
Product: Checking or savings account

XXXX charges that caused overdrafts. To the tune of {$480.00}. The initial XXXX was {$26.00}. No correspondence regarding insufficient funds and/or fees. Next thing you know, PNC steals the {$480.00} from my daughters account while she was overseas. No correspondence. No email, letter, or phone call. My daughter returned to the USA to discover the missing funds. She reported it stolen to the bank. After much research, we found out the bank helped themselves to my daughters money to cover the ridiculous fees my son had been lumped with. Funny, they could n't take {$26.00} out to rectify the situation. 2 months of going into the bank, calling the bank, and waiting I was told that what they do was ok in their book. I think it 's illegal and theft. Worst bank ever
Product: Vehicle loan or lease

I purchase a XXXX XXXX XXXX Wells Fargo put insurance through their back with out my authorization and they are calling me that I am delinquent on my car and is goin to get reposed I have made every payment on time since I got the car
Product: Credit reporting or other personal consumer reports

I sent out letters for informing of inaccurate information that needs to be investigated
Product: Credit reporting or other personal consumer reports

XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, LVNV funding the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts
Product: Credit reporting or other personal consumer reports

i had issues with old credit cards from my previous work. i found out i owe a lot of money. i hired XXXX XXXX to settle with my creditors. which they did after collecting large sum of money from me during monthly payments of {$1700.00} for almost 18 payments. then XXXX told me that they can complete all settlements if i was to get a loan from their lending company which is CREDIT 9. i agreed even though it is at almost 25 % because i knew once i settle i can then barrow money against my house and pay off their high interest loan. when i attempted to barrow the money from another company against my house i found out that upstart had falsely reported the debt as charge off which had effected my credit rating so bad that i can no longer barrow money until i pay off the credit 9 which is their company anyways. i have called so many time to try to fix it with them and they keep bouncing me back and forth between them and i get no where. i have calculated that at the end of this scam i would have paid more to upstart than my original lenders. i have hired an attorney to deal with my ex employer and their credit charges. but i really need help with this company. this is a scam to make sure i can get another loan. this company appears to be operating under several names XXXX XXXX XXXX XXXX  credit 9 XXXX americor. please help
Product: Checking or savings account

I selected that I do not want overdraft coverage through the US Bank app. This led me to believe that if I had insufficient funds then the charge would be declined and I would avoid an overdraft fee. However, unbeknownst to me, that does not include recurring charges. The app did not mention that some recurring charges could still process. Hence the reason I had 2 charges come through which I received fees for. I have called US Bank multiple times to rectify this issue and they refuse to waive the fees. I believe this to be a UDAAP violation since they were deceptive in never telling me about recurring charges potentially coming through.
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX sent my information to a collection agent on mistake and they have really damaged my credit.
Product: Debt collection

I filed an FTC report on XX/XX/2020 when I discovered that I had been a victim of identity theft. Capital One Bank USA N received a letter for 2 identical accounts reporting to my credit file. The letter was mailed certified return receipt and it was ignored. Capital One Bank USA N 's account is reporting the amount of {$1800.00} with another company ( XXXX XXXX XXXX ) also reporting the same account with a balance of {$1800.00}. The same amount due, proving the debt had been sold. ( 3 accounts total ) NO CONTRACTS WERE PROVIDED to show the amount paid for the alleged debt. 
XXXX XXXX XXXX received the exact letter mailed to Capital One Bank USA N also certified return receipt and XXXX XXXX XXXX and 1 of the Capital One accounts was removed from my credit file within the 15 days as requested in my notice. Neither company has responded. It has now been more than 30 days. 
All information was also forwarded to XXXX, XXXX, XXXX, XXXX XXXX, & XXXX because Capital One Bank USA N had still not responded. 
It had came to my surprise that XXXX, XXXX  , & XXXX  had all allowed Capital One Bank USA N 's fraudulent account to update on my credit file and decrease my credit score. I sent Capital One Bank USA N another Notice certified return mail received XX/XX/2020. Capital One Bank USA N is  aware this is a fraudulent account and on XX/XX/2020 Capital One Bank USA N EMAILED a bill requesting payment arrangements. 
Capital One Bank USA N 's response did not include a MAILED signed letter under penalty of perjury by the authorized representative of Capital One Bank USA N.

Capital One Bank USA N has not provided any documents proving their account belongs to me, they are not HOLDERS in DUE COURSE with the original contract signed by me with my wet ink signature and they are fraudulently updating my credit file. 
This account is listed as closed/charge-off and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

If this account is not removed from my credit file immediately I will be forced to sue Capital One Bank USA N for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. 
No further action will be taken against the Capital One Bank USA N and the XXXX XXXX XXXX accounts that were removed. 
Attachments included.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from American Express, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.
Product: Debt collection

I have an item on my credit report - that have one amount and there is a collection company collecting three times the amount so im a bit confused -
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 Account # : XXXX - XXXX XXXX  Account # XXXX - XXXX XXXX Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX XXXX XXXX XXXX Account # : XXXX - XXXX  Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX On XX/XX/year>, I reviewed my credit report and found several items that were incomplete and inaccurate. Over the past seven months, I have sent multiple letters requesting Experian to reinvestigate these items. However, they have not responded appropriately or provided the proper verification I requested, nor have they updated my credit profile. Some items have inconsistent open and close dates and incorrect balances. According to the Fair Credit Reporting Act, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. 

According to 15 USC 1681i ( 5 ) they are supposed to do this : 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that if the completeness or accuracy of any item of information in a consumers file at a consumer reporting agency is disputed by the consumer, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute. If a CRA wishes to reinsert previously deleted information, the person who furnishes the information must first certify that it is complete and accurate.

I am aware of the lawsuit filed by the CFPB against Experian, titled " The CFPB Sues Experian for Sham Investigations of Credit Report Errors ''. I have been adversely affected by Experian 's negligence in conducting proper investigations into my credit report.

Experian 's failure to conduct thorough investigations and comply with consumer protection laws has severely impacted my creditworthiness. This has limited my access to credit and made it difficult for me to purchase or rent a home for myself and my four children.
Product: Debt collection

I have been receiving medical bills monthly and phone calls for over a year, stating that I owe money for XXXX XXXX provided. I have my health insurance EOB 's for all dates listed that show the patients responsibility is XXXX. I have sent them copies of my EOB 's via the mail and email, but they say that they have not seen them. The are threatening to send the information to collections and damage my credit. I have also contacted my insurance company several times on this issue and they said that I do not owe this money. My insurance representative has also called them on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and relayed to them that the I do not owe the money, but they keep saying that I do. 
I am listing the dates and amounts that they are asking for below : XX/XX/XXXX {$420.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and Capital One a notice invoking my right as a federally protected consumer to opt out per 15 USC 6802 which 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 ( XXXX ) 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. 

Furthermore, XXXX and Capital One are in violation of per Privacy Act of 1974 by sharing my non-public information such as my financial history.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.