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

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating that my account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may contravene the Customer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFBAs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure that Equifax complies with federal law and provides customers with the necessary proof of investigation. The accounts that I am reporting as inaccurate are XXXX XXXX  and XXXX XXXX.
Product: Student loan

After moving home from my full time job in California ( back to NJ ) to try and help support my father and sister I have only been able to locate a part time job. My private loan with Citizens Bank/XXXX XXXX is 3 weeks of my paychecks for a part time job at {$9.00} an hour. That would mean I would n't be able to pay my car payment or car insurance ( along with other day to day necessities ) which in turn leaves me jobless. I am now behind and will never be able to catch up. Thus, both mine and my co-signers credit will be tarnished. 

I have called multiple times trying to work something out, even mentioning income based payment options and they have offered me nothing. They say I 've used up my deferment when I was trying to get my feet under me when I first moved to CA for work. 

I 've made a small payment, but the harassing calls will not stop they have said. 

At the end of the day I am aware that I am not the only citizen that is in this situation with college loan debt. These companies need to be more helpful.
Product: Credit reporting or other personal consumer reports

XXXX is not my account XXXX is not my account Lvnv is not my account XXXXXXXX XXXX is not my account And should be removed off my credit account
Product: Debt collection

I am beyond exhausted trying to have this problem solved with this company called XXXX XXXX XXXX in connection to XXXX XXXX XXXX. XXXX XXXX XXXX has been calling me threatening me and harassing me regarding a debt I had no knowledge of. After doing extensive research with the hospital I discovered that this debt that they are oppressive about and verbally abusing me for is an account for my underage daughter. ( Under XXXX years old ) This debt that they are claiming that I owe I had insurance that covered that medical visit. XXXX XXXX XXXX has called my workplace, my child 's School Camp, my neighbors and references that were listed on our medical sheet!!! They have called everyone who we'd known at this point except our family pet dog. At this hospital visit I sign a HIPAA form Privacy Act document. XXXX XXXX XXXX has violated our family rights in so many ways that we're ready to sue. At this point this is my last attempt to have this resolved and closed and removed off of my credit reports. I need XXXX XXXX XXXX to provide me the coordination of benefits sheets that provides all the procedure codes and the XXXX code sheet with an original signed document from me the parent of an under-aged child method of verification for this debt. I have currently opened disputes with all the credit bureaus regarding this collection that they have reported falsely on my credit report. I have filed complaints with the FTC and the Better Business Bureau about this and openly willing to share this experience with the media regarding this false reporting. I've called them on several occasions to resolve this and all they have done is yelled at me and oppressed me. I requested that they cease and desist the phone calls and letters they've been sending uncontrollably and they have violated my rights by continuing to communicate with me and this has made my child miserable!! Should they not remove this off of my credit reports I will sue for defamation, Financial injury, and willful injury under the FCRA section 623. I have supporting documents and proof where they violated my rights which I can sue under the fdcpa section 805 ( C ) regarding my cease-and-desist letter. XXXX XXXX XXXX   needs to immediately delete and remove this collection account off of my credit reports otherwise I will move forward with taking legal action against them. XXXX XXXX XXXX also doesn't own this debt and have also violated under the credit laws which were updated XX/XX/2018 regarding Medical collections under the HIPAA Privacy Act. XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 there was an available balance on my Bank of America EDD debit card that substantially exceeded the the purchase amount and was declined 3 times in a XXXX store for the amount of {$50.00}. 
This has happened a couple of other times when I tried using it at a XXXX XXXX. I have no faith that my money will be available when needed. 
After 3 different attempts to get BofA on the phone, once I waited over 2 hours after talking to an agent at BofA and I had to give up and try at another time, once I was disconnected by a BofA agent, it took about 40 minutes and being transferred to three different people, I was able to transfer the balance available as well as establish a reoccurring balance transfer. I was informed that it will take 2 business days, today being Thursday, I will have the money available in my account on Monday. 
The reason I am complaining is this is money that I have paid into the system my entire working career of 47 years. Im not asking for something that I am not entitled to. It shouldnt be this complicated to get my money. When people are ill, they need things to be easy not difficult.
Product: Debt collection

My credit report shows a collection from CREDENCE RESOURCE MANAGE I dont recall applying or consenting to agreement from this company. I have yet to receive any proof of validation that this is my account. Please remove this negative account from my credit report. It shows a {$1600.00} balance that is owed. This account doesnt belong to me.
Product: Debt collection

I had a contract ( 2nd round of contract ) with XXXX XXXX. I fulfilled my contract and kept service for the full term. Once I switched to another provider they billed me for the contract penalty of {$250.00}. This is inaccurate as I completed my contract. I have called and they said they would adjust but they have not and this company has put in on my credit file and calling me.
Product: Credit reporting or other personal consumer reports

This company is reporting XXXX late payments in this closed account. 
XXXX XXXX XXXX Account Number : XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date.

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.
Product: Credit reporting or other personal consumer reports

[ XXXX ] I am writing to file a complaint against XXXX XXXX regarding a derogatory account of {$500.00} listed on my credit report. This entry is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate and verifiable. 

I discovered this derogatory account on [ XXXX ] and have attempted to dispute it directly with XXXX XXXX. Despite my efforts, including [ briefly describe your attempts, e.g., phone calls, written disputes ], the account remains unresolved. 

Under the FCRA, I am entitled to have any inaccurate information corrected or removed. This derogatory mark is unjustly harming my credit score and financial opportunities. I request that the CFPB investigate this matter and ensure the removal of this inaccurate entry from my credit report. 

Thank you for your assistance. 

Sincerely, [ ] [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. The details of the discrepancies are as follows : XXXX XXXX : XXXX is reporting a balance of {$180000.00} across XXXX accounts. 
Equifax shows a balance of {$0.00} across all accounts. 
XXXX shows a total balance of {$200000.00} across XXXX accounts. 
These inconsistencies are significantly affecting my credit standing and do not accurately reflect my financial obligations. Under the Fair Credit Reporting Act, Section 15 U.S. Code 1602 ( p ), I am entitled to an accurate credit report. I request that the aforementioned discrepancies be investigated and corrected immediately. Previously you have reported XXXX account totally XXXX this has cause great strain on my business prospects and financially stability. And defamation character Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 
Please find attached copies of my credit reports from XXXX, Equifax, and XXXX highlighting the discrepancies for your review. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this letter and keep me informed of the status of your investigation.
Product: Mortgage

I closed on my new house on XX/XX/XXXX with a first payment due on XX/XX/XXXX. 

I made the first payment to my original mortgage company, XXXXXXXX XXXX, on XX/XX/XXXX, 7 days early. The mortgage was then sold to Chase Bank effective XX/XX/XXXX. I immediately set up autopay with Chase for the future payments after seeing it attach to my existing Chase account.

Chase did not have the information about my first payment, and I received a statement saying that the payment was overdue. I spent an hour or two trying to reach a customer service agent who informed me that this happens when mortgages get transferred, and that it was likely nothing to worry about. He suggested calling the original company to verify that they had the payment and would be submitting it to Chase. I spent another hour confirming it.

The collection calls from Chase started the next day. After waiting on hold to talk to an agent, and then a supervisor, they just want me to disregard their phone calls saying my mortgage is overdue. XXXX XXXX, a supervisor for the collections desk, tells me that these collection calls are part of standard policy, even in my circumstance. I'm 100 % certain those calls and the notice they sent will be used as evidence if they try to foreclose - how can I possibly " disregard '' them? 

I have paid my mortgage, and they're harrassing me for a payment. I had nothing to do with them buying the loan from the original company. I had no say in whether the information transferred correctly. They've made it clear that they KNOW that this happens in error. Knowingly calling to collect a debt that is not owed, particularly when my home is at stake, is harassment at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the credit bureaus Transunion, XXXX, XXXX  and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.
Product: Credit card

Chase Bank in their overzealous security has restricted me from accessing my Chase XXXX Card ( Acct. # ending in XXXX ). I was attempting to verify a XXXX Chase credit card that I recently applied for ( i.e. the Chase Freedom XXXX XXXX with Acct. # sending in XXXX ), and Chase XXXX would NOT allow me to verify this credit card. Furthermore, Chase Security then lock me out of their online access to my Chase XXXX Card which I have had for more than ten ( 10 ) years. Several phone calls to Chase Security has resulted nowhere and promised phone calls back has NOT been kept. Please help me resolve these XXXX XXXX XXXX XXXX matters by Chase Security.
Product: Checking or savings account

On XX/XX/2020 I sent a voided check to my Financial advisor so I could move money between my investment account and my checking account at Chase. 
I dropped the voided check and appropriate TD forms in the Post Office pick-up box at the post office. The letter was then taken from the box and opened and forged and chase processed the {$4500.00} check approximately XX/XX/2020. I reported it to the Chase bank on XX/XX/2020, who reported it to the chase fraud department at that time Since I reported it, I have been getting the run around from the fraud department at Chase. In a conversation with XXXX XXXX the Branch Manager he agreed after looking at the signature card they have online it was forged, and he could see where the void that was written over. 

In talking to the Police detective XXXX from the XXXX police department, he told me today that I was not the only case that they have seen like this. They think they have identified the name used which is a person in south Georgia near the Fl state line. But have not followed up on that yet. Detective XXXX said there is a chance that she was hacked as well. 

Thanks for the help
Product: Credit card or prepaid card

I had been wanting to close out my checking account as bank of America had started charging me a fee each month that I had never had before to my account. They claimed that I had signed an agreement regarding I must always have a certain amount of funds in the account that I never remember agreeing too. There was a bill that came out of that account and we had thought the bill was diverted to another checking account. So when I went to go close the Checking account, I noticed I was over drawn and tried to fix the situation as soon as possible. I was told to just come back the next day with the funds and they could close the account. The next day I came too the bank with the funds to find out by the teller that a credit card was opened in my name with out my permission to put funds from that credit card to my checking to bring it to the positive. 

I demanded to speak to a manager and the manager made the comment that they did nothing wrong. That the credit card I opened when I see XXXX and had closed they just had reopened to cover my over draft in my checking. Granted I am now XXXX! I was not happy and I tried to go to another location of that bank but they asked me to resolve the issue at the banks location that this all started at. As they would not help me.
Product: Checking or savings account

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Product: Checking or savings account

Chime prepaid card services has kept and not issued my monies in the amount of over {$1200.00}. Chime has had my money for almost 2 years. I have sent them several documents that they have requested to prove my identity etc, yet they still have not issued me any of my money. I do feel that chime should return my money as well as award me an additional {$5000.00} or more since they kept my money for that length of time. Without legitimate reasons that they can prove. This was alsoduring the middle of covid when money was very tight. Any documentation you XXXX need I can provide it thank you
Product: Debt collection

When checking my credit report I noticed a collection from this apartment from breaking my lease on XX/XX/year>. My husband and I broke our lease agreement due to financial reasons and problem we were having with the landlord and property. There was numerous of reports of issues that were never resolved. XXXX of the reports was the closet door almost falling on my XXXX XXXX XXXXAlso during that time this apartment decided to go up on rent. I requested at the time of breaking the lease for payment arrangements I was never able to get a response.
Product: Credit reporting or other personal consumer reports

15 USC 1681 is a violation of my right to privacy act and I am being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inaccurate late payments reporting on my Experian credit report from XXXX XXXX XXXX listed in XX/XX/XXXX and XX/XX/XXXX. I disputed the inaccurate late payments with Experian. The credit bureau refuses to remove the inaccurate late payments stating that the creditor has verified the inaccurate late payments as accurate. I have called XXXX XXXX XXXX  and the Representatives have told me that there are no late payments reporting on my now closed account. The car payments were due on the XXXX of each month. I am attaching a copy of my personal bank statements showing when the payments were withdrawn from my checking account. The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ). The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ).
Product: Credit reporting or other personal consumer reports

Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( XXXX, Experian XXXX XXXX ), because when I first reported these inaccurate accounts to them, the three ( 3 ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, XXXX has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item? 

They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting. 

Thank you.
Product: Mortgage

I live on XXXX XXXX in XXXX, Florida. It used to be called XXXX XXXX but was changed back on XX/XX/XXXX. In XXXX of last year I contracted XXXX along with my fianc. I contacted my mortgage company US Bank and entered into a COVID plan essentially putting a temporary stay on my mortgage payments. Fast forward to XXXX of XXXX, I was provided the loan modification documents and the address reflected XXXX XXXX XXXX, XXXX, Fl XXXX. I called the mortgage company and requested 3 times to change it to XXXX XXXX XXXX as XXXX XXXX no longer exists. Well they never changed it. I have attached the letter that was faxed and received ( I have the confirmation ) and mailed certified return receipt with confirmation on XX/XX/XXXX, XXXX XX/XX/XXXX I send back the loan modification documents and decided to send one set with XXXX crossed out and XXXX  written on top, then another copy that I added / XXXX XXXX XXXX after where it said XXXX XXXX XXXX XXXX I called US Bank and told them since they kept getting it wrong that maybe they will finally acknowledge to make the change. Instead I find out they cancelled my COVID plan and I had to reapply!!!! Well it wouldnt be that big of an issue except for the fact that during the first COVID plan my trial payments were {$1300.00} instead of my old mortgage of {$1500.00}. When I got the final loan modification documents it was going to be permanently {$1400.00} which would save me {$66.00} a month. However now when I reapplied the trial payments are {$1700.00} ( {$200.00} more a month than my original mortgage ) and when my final loan modification comes due after this trial period my mortgage will go up to {$1900.00}! Thats a {$400.00} increase all because the mortgage company refused to change my address to the proper legal address. I asked them over and over to please call or write to me and explain how it is legal to keep my address as an address that does not legally exist anymore only to be ignored. The worst part of this is, when I have to start paying the {$1900.00} mortgage will be when Im due with my second child which will be end of XXXX XXXX and will be on UNPAID MATERNITY LEAVE. I am a XXXX soon to be XXXX XXXX XXXX woman ( XX/XX/XXXX ) and am currently XXXX weeks pregnant ( XXXX XXXX  ). I have expressed this in writing and verbally to the mortgage company and it has fell on deaf ears.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; Dear XXXX XXXX XXXX of Absolute Resolutions Corp, & XXXX XXXX XXXX of Absolute Resolutions Investments , LLC I Have no knowledge of this Account XXXX XXXX XXXX, XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX XXXX, of Absolute Resolutions Corp. or XXXX XXXX President of Absolute Resolutions Investments , LLC or, XXXX XXXX  ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio!

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 an account without my written instructions. 


Now that you have been notified that this information is inaccurate, I XXXX XXXX XXXX ; ORDER you XXXX XXXX XXXX, of Absolute Resolutions Corp. & XXXX XXXX XXXX of Absolute Resolutions Investments , LLC to Immediately Delete this account XXXX XXXX  XXXX, XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

as this file XXXX XXXX  XXXX, XXXX XXXX XXXX has damaged XXXX XXXX XXXX ; image, name, likeness, reputation and also damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding XXXX XXXX XXXX of Absolute Resolutions Corp, & XXXX XXXX XXXX XXXX Absolute Resolutions Investments , LLC & all consumer reporting agencys and XXXX partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX XXXX  for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. By XXXX XXXX XXXX of Absolute Resolutions Corp, & XXXX XXXX XXXX of Absolute Resolutions Investments , LLC Pay to the order of : XXXX XXXX XXXX