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

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act. Which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer financial protection act, as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Checking or savings account

My name is XXXX XXXX my identity have been stolen from me 4 times. I have an account with Bank of America I noticed charges that I didnt recognize so i immediately contacted my bank and filed a dispute I lost my apartment on XX/XX/XXXX so I would call the claim department to make sure if they needed any documents to support my claim. Now its almost more than 2 months they decided to close my account. Although any claim that I had was absolutely true. 
Unfortunately Bank of America put me through so much pain and suffer that I dont know how to explain.they put my account on restriction although I have not done anything wrong I cant access any of my funds anytime I call them they tell me the account will be closed on XX/XX/XXXX then XX/XX/XXXX. I had a small amount of cash on me so I was able to at least eat. Now Im at the point that I didnt have any money on me I couldnt even get a room I ended up sleeping in my car and I was almost about to XXXX XXXX XXXX XXXX. My cellphone is going to be disconnected because Bank of America doesnt let my phone carrier to withdraw money. My all stuff are in storage and they cant access any payment but it is interesting that they accept my direct deposit. Last time I called them I talked to supervisor and I told her Im breaking what you guys are doing to me is not legal its has been 3 days I havent even been able to eat. I was told they will close my account by XX/XX/XXXXXXXX XXXX XXXX which they havent. XXXX begging you guys please help me out cause they cant treat people like this. Im an alone girl and have no one here I dont know what to do Im so burned out I really need help
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX  XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statem
ent is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

I got a new alert today. So when I check my credit report an account was placed in collections for Midwest Recovery Systems with the original creditor as XXXX. 

I have never heard of this company and I did not take out a payday loan with this company. I never received anything from Midwest Recovery Systems or XXXX XXXX XXXX.
Product: Checking or savings account

I had to report my card stolen and report fraudulent activity on my account so I had to receive a new card. When I received my new card I tried to follow the steps to activate it. The only way that I can activate the card is through the app which I can not access due to not having access to the number or email that I had set up the account with. I have called customer support at least 6 times and have been told that they can not help me and that I will have to set up a new account and lose access to the funds that are in my current account. I am on hold once again with customer service as I type this right now. I was already on hold earlier for 30 mins with no response.
Product: Debt collection

On XX/XX/XXXX I went to the XXXX XXXX to address a medical problem. When I received a bill for XXXX dollars it was paid in full in XX/XX/XXXX. This bill was paid in full on. XXXX XXXX. Despite the paid in full bill I began receiving phone calls and collection letters from this company. I tried several times via phone calls to resolve this matter. I told them the date this account was paid. To no avail. Finally, I sent a return receipt letter to the company with a copy of the cashed check. I also told them not to contact me regarding this paid bill. The company received the letter and the copy of the canceled check on XX/XX/XXXX. XXXX XXXX continued to contact me. They also referred me to a collection agency. TSI. This is sloppy business practice. It is dangerous customer service. This company has ignored the evidence that this bill has been paid. 

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

In accordance with the fair repair reporting act XXXX XXXX # XXXX Has violated my rights 15U.S.C 1681 SECTION 602A STATES I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 States It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

No full disclosure of information and fraudulent electronic signature and insurance was not included in the finance charge also a change in the interest rate without written consent
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. I request that the following actions be taken immediately : Investigation of the mentioned violations. Removal of the unauthorized accounts from my credit report. Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). Notification of the correction to any person who has received my credit report in the past six months. I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. Violation 1 PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX violation XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS REPORTING THIS ACCOUNT HAS BEEN CHANGED FROM 90 days late too 60 days late that inaccurate information MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. Violation XXXX LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect .violation XXXX LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. Violation XXXX Remarks : THERES NO NOTICE OF DISPUTE. Violation XXXX PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation XXXX Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION STOP UPDATING THESE ACCOUNTS Want removed
Product: Credit card or prepaid card

I filed a dispute with Conduent, the company contracted to do the customer service for the Way2Go XXXX Card, on XX/XX/2020. The letter sent to me requesting a form to be filled out and provided information on the dispute process clearly states ; ( this is taken directly verbatim from the letter ) " If a letter outlining your dispute details or the attached Investigation Form is received within 10 business days from the date of your initial call, and the investigation is not complete, a provisional credit will be issued to your Card account on the 10th business day while we continue our investigation. '' The wording specifically states ON THE 10TH BUSINESS DAY. I had a gentleman attempt to argue with me that the day I filed the dispute doesn't count. That isn't stated in the letter, but that would make today ( XX/XX/2020 ) the 10th BUSINESS day instead of the 11th anyhow. He then wanted to argue that today isn't a business day because it's Saturday where he is. It's still Friday here and just because you are in a different time zone and the day changes it doesn't invalidate the fact that the previous day still occurred and just so happened to be a business day. The only reason that I can find that they would attempt to use the XXXX as the 10th business day would be to not count the date filed and then XXXX XXXX. However not a single person has mentioned that to me, but I am sure after reading this that will be the excuse given. Even still, the wording states, " received within 10 business days from the date of your initial call '', that would mean that the first day is counted, as I believe the word " within '' means inclusive. I have read nothing but complaint after complaint about how this company does business and am actually appauled that they have contracts with Federal and Local governments. Regardless of how they handle this situation, I have every intention of filing formal complaints with the Attorney General, XXXX, FTC, and the FDIC. This is a clear violation of Regulation E and it appears this is something that they regularly practice, and they will continue until oversite is accomplished. And I will email XXXX XXXX XXXX office about this every single day if I have to. My complaint may be only one and small, but the THOUSANDS that have been submitted aren't a coincidence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, sezzle, XXXXXXXX XXXX  refuse to be remove off my credit report. XXXX XXXX  was used in my name fraudulent. The others companys are putting in false information and they are very very old items in my credit report in which they refuse to remove. I have provided information several times and they refuse to investigate. XXXX XXXX XXXX  has been paid off and closed and they are reporting inaccurate information on my credit report as well, and refuse to up date and remove.
Product: Debt collection

Company, GreenSky, is trying to collect a {$17000.00} debt. I have called GreenSky many times about this issue since 2016. They have been reporting negatively to the credit bureau. Multiple times I have asked GreenSky for a signed contract they have with me. One representative of GreenSky says they do have a contract and that they will send it out by email. Another representative of GreenSky said they will mail it out. A third GreenSky representative says they dont use contracts. All representative have said different things when I ask for a signed contract. Im still waiting for signed contract through email and mail. They will never send me a copy of a signed contract because they dont have one with me. GreenSky representative say they have tried reaching out to a company called XXXX, to respond about my complaint. I have asked GreenSky if I can have the number to XXXX  so I can call them. GreenSky responded that they dont have information about XXXX. I scratch my head and wonder, why doesnt GreenSky have information on a subcontractor or business they are doing business with? And why would GreenSky be billing me if they dont have a signed contract with me? Why would they be reporting to my credit bureau if they dont have a signed contract with me agreeing to charges and or debt? Something really wrong with this GreenSky business model.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I called in to Experian to remove a freeze from my report. In the process of taking that action I became aware that Experian had allowed fraudulent activity by way of allowing a fraudulent membership account to be open. 

It started with the gentleman that I was speaking with about a freeze on my credit file informing me I had an account. I realized I couldve opened a free account at some point in the past but I no longer had the login credentials. So he did the verification questions with me ( and honestly they were pretty lame questions ) and then sent me a user ID. 

This User ID was not something I wouldve ever used. That user ID was XXXX - Sothat then prompted me to call in to Experian again. I escalated call to a supervisor who was completely un-sympathetic and stated that since they were able to pass the verification questions they were able to open an account. EVEN THOUGHtheir first clue shouldve been that the name was over 30 years old. The person opened it under my former married name of XXXX XXXX. The only remedy they would offer me was to close the account and put a fraud alert on my files. It does not matter to them that they allowed someone access to my credit file. They also show absolutely no concern whatsoever and insist that is my only remedy. 

Just to be sure I called back today - XX/XX/2020 - and thought perhaps it was just that person that I talked to previously who just didnt want to help. Today I first spoke to XXXX  who was front line member support. She was cooperative in getting me through to a supervisor. The supervisors name is XXXX or XXXX ( not sure of spelling ) who is a Supervisor for Member Services ( that is the only designating factor to identify her that she would give ). XXXX stated the same thing. There is no remedy and had same attitude of we dont care that we compromised your data and was also completely apathetic when I mentioned their first clue shouldve been the name. She said something to the effect that the name was on my report ( again notwithstanding that it was my former married name - again from over 30 years ago ) and so because the name was on the file they didnt question it. 

She also insisted that she is the highest level of escalation available. I dont buy that but shes being an obstinate and uncaring gate-keeper. 

P.S. I am sending in identifying information so that I can now have an account open in my name, which hopefully will prevent future issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 TransUion, XXXX and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

I, XXXX XXXX makes a claim against Nations Recovery Center, Inc. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is XXXX XXXX XXXX. This debt buyer has been riddled with deceptive collection practices and sued by XXXX offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector Nations Recovery Center , Inc., as well as from XXXX XXXX XXXX. It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The XXXX had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
Product: Credit reporting or other personal consumer reports

The bankruptcy was not filed by me, it is a result of identity theft. Please remove the fraudelent bankruptcy from my credit report.
Product: Credit reporting or other personal consumer reports

Accounts XXXXXXXX XXXX XXXX were unable to appropriately verify information. XXXX XXXX is reporting medical debt and is in violation of HIPPA
Product: Credit reporting

Equifax has not followed the guidelines of the federal law to verify if the said named items are accurate. Equifax has not shown or provided me proof the the information is valid on my report. Equifax has shown this account as late. this account has no lates on for this account. I have sent 3 certified return receipt letters and Equifax did not provide me proof of verification. Under Federal law 609. the items must be corrected in 30 days if the credit bureau can not prove proof of verification. please correct lates XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX inquiry date XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX, I had multiple inquires hit my profile. I have not applied for anything. I spoke with supervisor XXXX XXXX ( XXXX XXXX  XXXX ) at TransUnion who tried telling my I only had XXXX inquiry. At that moment of him telling me this information I was looking at my credit profile and I could see XXXX inquires from today. I explain how he was giving me misinformation and that it was against my right. He tried to assure me that there wasn't any inquires on my credit profile. I eventually hung up and called back. I spoke with a young lady. I explained that I was trying to dispute the inquires because they were fraudulent she disputed them for me and she could see them. However, she explained that I needed to submit another FTC report. Same thing XXXX stated. I find this unfair and inconsiderate of my time to have to do this each time something fraudulent happens. Also, TransUnion stated that I did not have a XXXX XXXX  on my profile and stated that I have never had XXXX. However, I have an extended XXXX XXXX  with all bureaus. Yet, some how my XXXX XXXX  magically disappeared from TransUnion. I have been having a XXXX XXXX since XX/XX/XXXX and it doesn't expire until XX/XX/XXXX. I would like that same alert places back onto my TransUnion account.
Product: Debt collection

XXXX XXXX {$410.00} did was disputed and removed off credit report and this company Resubmitted this again on credit report
Product: Checking or savings account

In XX/XX/2008, I discovered that Regions Bank opened an account for another person in Arkansas using my social security number. I tried to correct this issue and the issue was not resolved. I closed my account with the bank however, received no confirmation of the other account being corrected.