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

I am writing to file a formal complaint against Equifax for failing to properly handle my dispute regarding an inaccurate entry on my credit report. Below are the key details and timeline of my experience : Date of Initial Dispute Submission via CFPB : XX/XX/XXXX Submitted a dispute to Equifax concerning inaccurate, inconsistent, and incomplete information on my credit report via CFPB Complaint # XXXX. Communication from Original Creditor : XX/XX/XXXX : Received an email from the original creditor confirming receipt of the dispute from Equifax on XX/XX/XXXX. XX/XX/XXXX : Received another email from the original creditor stating that the investigation was completed and the results were sent back to Equifax. Responses from Equifax : Dated XX/XX/XXXX : Received a letter from Equifax acknowledging receipt of my dispute, but requesting additional proof of identity and resubmission of the dispute. Dated XX/XX/XXXX : Received a duplicate letter, similar to the first, requesting additional proof of identity and resubmission of the dispute. Despite the investigation being acknowledged as completed by the original creditor, Equifax continues to withhold the results of the dispute, claiming insufficient information to verify my identity. This delay and request for additional information appear to be stalling tactics, as I have already provided all necessary documentation initially.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The disputed items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my mortgage with PHH in XX/XX/XXXX, and the intention was not to have an Escrow on my loan. My closing documents clearly indicated there was no Escrow on my loan ; I paid the XX/XX/XXXX RE taxes from my own pocket, and my Homeowners policy was also paid for the entire year. 
My XXXX policy was coming up for renewal on XX/XX/XXXX and when trying to make payment to XXXX, I was told that PHH has already made my payment of {$980.00} on XX/XX/XXXX. How was this necessary, when my XXXX insurance hasn't even expired yet, it was not late or cancelled, plus there was no XXXX monies set aside on my loan?? This pushed my loan into Escrow without PHH notifying me or having my approval. Altering my loan without my knowledge sounded very much like a XXXX XXXX scam. 
After many phone calls and negotiations PHH agreed to remove the escrow from my account if I paid them back the {$980.00}, they paid to XXXX. I gave PHH a payment of {$980.00} over the phone on XX/XX/XXXX ; and the payment cleared my bank on XX/XX/XXXX. They reassured me the Escrow will be removed from my account. I made XXXX, XXXX & XXXX payments without any incident, giving me the peace of mind the issue was settled. 
On XX/XX/XXXX I was trying to make my XXXX mortgage payment only to discover that escrow was pushed back into my account again and my monthly payments are {$81.00} higher. I called and spoke to XXXX in Customer XXXX on XX/XX/XXXX, she reassured me it was an error and it will be fixed right away. Today is XX/XX/XXXX, however the problem has not been fixed and I am not able to make my XXXX payment, because it is asking for a higher amount. This level of incompetence is extremely frustrating. Their customer service hours have changed due to COVID, and I can't even reach a representative.
Product: Prepaid card

I have a prepaid XXXX card through XXXX XXXX. I bought a product at XXXX XXXX. I loaded more money onto my prepaid card. I returned the product to XXXX XXXX because I needed to replace my refrigerator. I was denied the ability to purchase the XXXX $ refrigerator because my funds were frozen for 72 hours due to the returned merchandise. My balance per the phone line was over XXXX $ the returned merchandise was XXXX $ and yet the denied my XXXX $ purchase. I began an absolutely infuriating attempt to discuss the situation with Customer Service and have spent hours upon hours trying to identify who " handles '' the money flow for the XXXX XXXX Prepaid XXXX card. XXXX XXXX says it has nothing to do with the card. XXXX says they have nothing to do with the card. US Bank says they have nothing to do with the card. Customer Service says they only supply the card but do n't manage the money flow. Customer service also refuses to allow a caller to speak to a supervisor, refuses to identify their company name, refuses to provide an address to file complaint with. And in the end if you work at it long enough they finally offer to open a " dispute '' escalation ticket on your behalf with an assurance that someone will call you right back, which then becomes Within 24 hours and then with in 72 hours. They also presented a moving target on the actual reason for the hold, first saying the specific company was blocked and then when I attempted to make a purchase at another lumber store, was told it was the type of retailer, so then I went to a bank and was denied and they said no, it was my card that was blocked. But, pardon my diversion, back to the " escalation '' process which promised a call back from a " dispute resolution specialist '' who actually never called back until nearly XXXX weeks later within hours of me calling XXXX XXXX to express my frustration. 

My complaint/biggest concern is that this is not the banks money being advanced to me on credit, this is my money, placed on a prepaid card so that I can take advantage of electronic purchasing and manage my finances on line. Banking is a nearly instantaneous activity these days and customer service folks routinely fix issues immediately. But in this case not only is customer service a sham, but they are placing holds on money that is n't even in play. I would not have appreciated the hold being place on the returned merchandise that I bought and returned to the exact same place with the same prepaid card but I would have understood it 's policy and accepted it. However they blocked the entire XXXX $ plus that I had deposited on the card and prevented me from having any money or access to money for 3 days over a weekend when banks are closed as well. 

I believe that is nothing short of theft by fraud. And if and when I am ever able to get a straight answer about whose policy was acted upon, by whom, and under whose responsibility the money transactions on Prepaid XXXX Cards are conducted, I will likely file a small claim for the theft and value of the refrigerator I was unable to buy because all of my funds were frozen, not just the value of the returned item.
Product: Credit card

My balance on my credit card was {$2700.00}. I made a {$150.00} payment ( on time ). My interest rate is 26.99 %. How did my balance then INCREASE to {$2800.00}? How is the interest charged {$200.00}? Everything I can figure, all calculations tell me my interest charged on a balance of {$2600.00} at 26.99 % should be around XXXX or XXXX dollars. How am I being charged {$200.00}?? If the original balance is {$2700.00} and I make a {$150.00} payment, I should only be charged interest on what's left right? And that would be approximately {$2600.00}. You take that amount and figure an APR of 26.99 %. The company can not explain to me how they come up to {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX  XXXX  has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

I got a XXXX XXXXXXXX XXXX credit card from JPMorganChase with only my first initial of my name. XXXX emailed me and told me I already had an account, but not with only my first initial, but with my first name. All my credit card accounts including my account with Chase are in my first name. I applied for the ChaseXXXX credit card in my first name.I called Chase to fix the problem and they said they would issue a new card with my first name on the card. All I had to do was docusign an email they would send me.I got the email, but I could not sign it. XXXX had an old address and phone number. So I called Chase and they said they would mail me the necessary documents.I filled out the documents and mailed them. I have never received the card after many weeks, I cacelled the card.. Chase has hurt my credit score by a hard inquiry, and an open and closed credit card, which hiuts the average years I have credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in direct violation of the fair credit reporting act ( account name and number ) 15U.S.C 1681 section 602 A clearly states I have the right to privacy 15 U.S.C 1681 section A also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681 Section A a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serval laws under The fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Capital One reported to XXXX, and XXXX that my Capital One credit card ending in XXXX, balance was {$190.00} which was correct. On XX/XX/XXXX they reported to XXXX that my balance was {$660.00} which is not correct. My credit score dropped 26 points with XXXX due to this error. I called and alerted them of the issue and they indicated that they could not help me. I asked for a supervisor of the department that had reported the wrong information and was told that the person I was speaking to was the only one that I could speak with and they could not transfer me. I am in the process of working with a bank to purchase a home and the impact of this score has been detrimental to me due to needing to have this corrected quickly. I need them to immediately correct their mistake.
Product: Credit reporting or other personal consumer reports

Equifax, 1. **Unauthorized Access** : A person or entity obtains a consumer report without a permissible purpose as defined by the FCRA. This includes accessing reports for reasons such as employment screening, credit underwriting, or rental applications without the consumer 's consent.

2. **Failure to Notify If a negative action is taken against a consumer based on information in their credit report ( e.g., denial of credit ), the entity must notify the consumer and provide them with the name of the credit reporting agency that supplied the report.

3.Inaccurate Reporting If a consumer report contains inaccurate information and the consumer disputes it, the reporting agency must investigate the claim. Failing to correct inaccuracies can be a violation.

4.Improper Disposal The FCRA requires that consumer information be disposed of properly to prevent identity theft. Failing to shred or securely destroy documents containing personal information can lead to violations.

5.Failure to Provide Required Disclosures** : Entities that use consumer reports must provide consumers with certain disclosures, including their rights under the FCRA. Not providing these can lead to violations.


6.Using Consumer Reports for Unlawful Purposes** : Using consumer reports for purposes not allowed under the FCRA, such as for marketing or other non-permissible purposes, can also constitute a violation.
Consumers who believe their rights under the FCRA have been violated can file complaints with the Federal Trade Commission ( FTC ) or take legal action against the violators. It's important to keep records and document any instances of suspected violations Supporting attachments attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information
Product: Vehicle loan or lease

I'm trying to reach Tesla regarding the lease of my new vehicle and am unable to speak with a human being. At every turn, I'm redirected to the Tesla App or some other AI-supported realm that does not address my questions concerning billing and amounts due after the completion of my last vehicle lease. Please help. I saw others online complaining of the same trouble.
Product: Mortgage

My mortgage transferred from XXXX XXXX XXXX to Carrington Mortgage on or around XXXX XXXX, XXXX i think that is the correct date. I am not sure, as I never recieved a letter from them. I found out about the transfer when I went to make my payment to XXXX XXXX XXXX and they said I could no longer make my payment to them as my loan had transferred. they gave me the company name and a phone number. 

I called Carrington. I got my loan number and my late fees due. I advised I never had late fees and they must be mistaken. I was told to send in a letter to them explaining what had happened and they would fix it. I did, on XXXX/XXXX/XXXX. I received a letter from them advising they recieved my letter but nothing after that. I was under the impression that they had 15 days to respond and get it fixed. 

I received another letter from them on XXXX/XXXX/XXXX advising that they never received my payment. I am not sure what happened as my payment was made, it just did n't go through. I quickly made my payment on line through my bank and sent it next day. I get a letter on XXXX/XXXX/XXXX saying they never received my payment. I called them and she stated that my payment went to unapplied funds as it was XXXX cents short. I told them I was not aware of this and no one had called me, sent statements, etc. 
I was reported to the credit bureau she said. i told her I would make my payment for XXXX cents online immediately, making the payment with her would have cost me XXXX. 
I sent the payment. 
i have never had an issue with a mortgage. I always make my payments on time. this company is horrible. I am almost finished paying my mortgage, thank XXXX. 
I just wanted the CFPB to know the misdealings that this company is doing. I have good credit, make my payments on time and have to deal with this nonsense.
Product: Debt collection

I explained accounts were over 9 to 15 plus years old, and were settled back then, and law states after 7 years they should be deleted, I asked them to prove the debt was active and actually mine, they couldn't, I asked them to remove it as it was 9 years old
Product: Debt collection

I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. 

This account needs to be removed from my credit files immediately.
Product: Credit reporting or other personal consumer reports

This is my 3rd request for an investigation of an account by Clarity Services, which is my consumer right according to the FCRA. Yet this company has refused to investigate twice and closed my complaint twice. The reason Clarity says they closed my complaint is " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' However, everything about the submission of my complaint is legitimate. I demand that this account be deleted immediately because I don't know why it's showing on my credit report. I do not have an account with XXXX XXXX XXXX Account # XXXX. I am not liable for this debt. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : States that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instruction. I have never given Clarity Services written instructions either. I XXXX XXXX wrote this complaint alone and without help. I have attached my Drivers License, Home Lease, Social Security Card, and a Current Utility Bill. Please delete this inaccurate collection account and mail me a corrected copy of my credit report/ file.
Product: Credit reporting or other personal consumer reports

Ive sent an ftc report to Equifax but they denied to remove several fraudulent inquiries that were not authorized by me, they acknowledged that the ftc report was valid but said they couldnt remove anything. Ive sent enough proof that Ive been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Exeter Financial still reporting a past due balance and late payments on my credit report after they have sold it to XXXX XXXX XXXX XXXX collection agency ). It is against violations to continue to report a past due balance on a charge-off debt and sold to a collection agency. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c you have violated my rights by in lawful communications. 
Please remove this collection off of my credit report thank You.