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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds in 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.C. 1681I, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my Principal Mortgage Balance that Bayview Loan Servicing is reporting. There are three issues in question. 
First Issue : XX/XX/XXXX I received an alert from XXXX Credit Bureau that Bayview Loan reported a Balance Increase First Mortgage, to {$280000.00}, the previous balance was {$280000.00}. 
Second Issue : XXXX, XXXX, XXXX Bayview Loan Servicing - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. 
Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. 
XXXX I received a letter from XXXX  XXXX  XXXX  and learned that Bayview Loan Servicing transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that Bayview Loan Servicing reported to XXXX Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Checking or savings account

I made a deposit of 3 checks at the ATM of US Bank at the XXXX XXXX XXXX in XXXX, OH on Sunday XX/XX/2022. Check # XXXX, XXXX, and XXXX for a total deposit of {$1700.00}. The ATM was experiencing issues and the deposit was pending and then disappeared. US Bank re-deposited the checks however they were cashed during the first attempt so the second attempt was returned. I have been trying to get US Bank to correct the issue now for 3 weeks. I have sent proof that the checks were cashed successfully and the second attempt is what was returned but I keep getting the same response asking to reissue the checks. However XXXX the company who wrote the checks will not re-issue has they have proof they have been cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Portfolio Recovery Associates # XXXX, XXXX XXXX : # XXXX, XXXX Portfolio Services : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...

15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...
Product: Credit card

I have an account with CitiBank with a balance owed. I have closed the credit card and I am concerned about fraud. I am needing online access to the account to verify all purchases on this account. However, CitiBank will not give me access online nor verify all payments for the last 365 days.
Product: Mortgage

Hello our margate company just got our loan 3 months ago and they are saying we owe then XXXX XXXX plus XXXX XXXX and the arragenal loan was XXXX XXXX 11 years ago we need some1 help us
Product: Credit reporting or other personal consumer reports

A student loan was opened in my name in XX/XX/2022 I did not open this and I been telling this company this for a year in a half and there are so many inquiries on my account from car lot places that I werent aware of.
Product: Debt collection

CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

Ive been reaching out to Synchcrony bank since XX/XX/year>. After believing it had been resolved I was then instructed to contact TJ Maxx. I sent a formal written dispute. They reassed the charges in XX/XX/year>. I have contacted Synchrony again that has advised I must resolve with TJ Maxx. Ive shown them the photo I received of rocks and not a package. It was my belief that they work as one but I continue being sent in circles.
Product: Vehicle loan or lease

i bought a used truck and financed through keybank on XX/XX/XXXX. i refinanced through my credit union and the loan with keybank was paid off on XX/XX/XXXX. there was to be a scheduled payment on XX/XX/XXXX with keybank and i checked on XX/XX/XXXX and the loan amount was XX/XX/XXXX. it also said no payments scheduled. on XX/XX/XXXX they took {$1000.00} out of my checking account. the first time i called they said it was my credit unions fault and the money should go back in because there is nowhere for it to go. my credit union said the problem is with keybank. i called keybank again and they said they will look into it and call me next week
Product: Credit reporting or other personal consumer reports

Evidence of the XXXX XXXX XXXX XXXX XXXX includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security numbers , addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as " XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. 
Key points about the breach : Data leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. 
Estimated affected individuals : Nearly XXXX XXXX people. 
Hacker group involved : " XXXX '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC is fraudulently reporting an alleged debt on my credit report as being a Factoring Company Account which it is not. I have never entered into relationship or agreement with Portfolio Recovery Associates LLC at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Portfolio Recovery Associates LLC is a covered person and a debt collector and is subject to FDCPA. 

By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

back n XXXX  n XXXX  i had a hard time iam in florida and we had a real bad stome i file a complaint on dis same website asking for a good will adjustment and the company said they will update my report they did not so they i wnt all da accrs remove asap
Product: Debt collection

Dear CFPB, this is a final attempt to bring to your attention possible fraud and discrimination brought upon me by JPMorgan Chase Bank due to my financial practices. Attached will be an email that was contradictory to the horrendous experiences I keep on having with their costomer service regarding my debit account XXXX. They will not allow me to open an account or receive statement showing the full disclosures pertaining XXXX, XXXX XXXX XXXX  and myself. I need those statements to file my irs documents plus it is the law as I understand it that they must disclose all activities done in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt in collections was paid in full on XX/XX/2020. This should be removed from my report and my score updated.
Product: Mortgage

I have a home equity loan with American Financial Resources ( aka eLend.com ), serviced by XXXX XXXX. My loan allows additional principal payments. However, submitting additional principal payments proved to be quite difficult. On a number of occasions, XXXX applied my payment intended as additional principal, to the next month regular monthly payment instead ( which obviously defeats the purpose of making an additional principal payment ). Each time I reached out to them to request a correction, using their web site ( XXXX ) and/or the customer service line ( XXXX ), and each time I had to make one or more follow up calls before correction was made. What 's worse, at least on two occasions the correction was made in a way that made the payment history section on their website for my account very difficult to understand, and on one occasion my account was about {$900.00} short. 
While those errors eventually got corrected, I am in a similar situation once again. On XXXX/XXXX/2017 I made a payment that was intended as additional principal payment. XXXX applied it as my XXXX payment. On XXXX I reached out via their website and requested a correction. Their website said someone will respond in 5 business days. On XXXX there was still no response, so I called their customer service line. I was told the correction will be done within 8 days. Yesterday XXXX - still no correction, I called the customer service line again. Same thing - no explanation why it was n't done in 15 days, and they ask me to give it another 3 business days. This is obviously unreasonable, and amounts to denying me a possibility of making additional principal payments.
Product: Credit card

I have 2 closed credit card accounts with Navy Federal Credit Union. 

When I was experiencing hardship with my cards and my finances were restricted, I contacted Navy for an interest rate reduction and restructuring of my debt.

Navy refused to assist and help out. The accounts were charged off which forced me to carry negative hits for 10 years and created additional hardships.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 

XXXX XXXX-acct # XXXX {$920.00} date opened : XX/XX/XXXXXXXX XXXX XXXX-acct # XXXX {$5800.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} date opened : XXXX XXXX & XXXXXXXX XXXXacct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX XXXX  # XXXX {$6600.00}, XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX-acct # XXXX {$18000.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX {$10000.00} date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXacct # XXXX, XXXX XXXX XXXXXXXX XXXX-acct # XXXX ( XXXX ), XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. states I have the right to priv

acy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # last 4 XXXX DOB XX/XX/XXXX SWORN AFFIDAVIT I'M SUMMITING THIS COMPLAINT BECAUSE EQUIFAX IS REPORTING A COLLECTION ON MY CREDIT FILE THAT WAS DISPUTED BY ME SUCCESSFULLY WHEN THE ORIGINAL CREDITOR REPORTED IT XXXX XXXX XXXX THEN MY DISPUTE STATED THAT THE ACCOUNT WAS A FRAUDULENT ACCOUNT AND IT WAS REMOVED I SUMMITED POLICE REPORT SEVERAL TIMES PROVING THAT I'M A VICTIM OF IDENTITY THEFT I HAVE HAD A FRAUD ALERT ON MY CREDIT REPORT SEVERAL YEARS BECAUSE OF THE FACT THAT I'M A VICTIM OF IDENTITY THEFT NOW XXXX XXXX XXXX HAS PURCHASED THAT ACCOUNT AND REPORTED AS A COLLECTION ACCOUNT CAUSING MY CREDIT TO DROP FROM A XXXX TO XXXX I'M IN THE PROCESS OF PURCHASING A HOME AND IF THIS FRAUDULENT ACCOUNT CAUSES ME TO LOSE OUT ON PURCHASING MY HOME EQUIFAX, XXXX   AND XXXX XXXX WILL BE NAME IN A FEDERAL COMPLAINT ALONG WITH XXXX XXXX AND XXXX XXXX XXXX.
Product: Checking or savings account

This issue has gone unresolved since XX/XX/23. I used Santander 's online app to transfer {$2000.00} to XXXX XXXX. I received confirmation that XXXX received the money. But then, they sent a follow-up email that they were having transfer issues and the money was sent back to Santander. However I closed the account with Santander by that time. I filed a complaint with the CFPB with XXXX XXXX. They researched the issue and claimed they sent the funds back to Santander. A contact at XXXX XXXX  even spoke with a woman named XXXX in the XXXX department at Santander. Both banks went back and forth blaming each other. I received a letter from XXXX XXXX  officially closing the case that they do not have the {$2000.00} because it was sent back to Santander even though my account was closed by that time. I have spoken to numerous departments at both Santander and XXXX XXXX  and neither bank is taking responsibility. I have XXXX XXXX numbers, dates, and names with everyone I spoke with. I need Santander to look into this further because XXXX has made the determination that the money lies somewhere with Santander. I can provide every single detail you will need to research further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2
Product: Money transfer, virtual currency, or money service

A scam was one for XXXX $ XXXX Another scam was for XXXX $ XXXX
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 XXXX XXXX XXXX. 



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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

These are the inquiries which should be off from report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WFXXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
Product: Debt collection

They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. 

I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. 

All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. 

Copies of all letters sent and received are available upon request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this Creditor, Experian, XXXX and XXXX have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}
Product: Money transfer, virtual currency, or money service

XX/XX/year> sent XXXX transaction based on email communication totaling {$100.00} to ( XXXX XXXX ) email XXXX on behalf XXXX XXXX XXXX XX/XX/year> sent another XXXX transaction for {$400.00} ( XXXX XXXX ) XXXX. The is a retail scam in XXXX Ohio
Product: Bank account or service

I lost my Netspend Debit Card back around XXXX 2016. I then discovered that XXXX unauthorized transactions were made. I immediately contacted Netspend Customer Service. The lost card was deactivated and an " investigation '' by Netspend began. I was informed by Netspend on XXXX XXXX 2016 that I will not be refunded the unauthorized transactions! They gave a lot of double talk as to why they made this decision, but at the end of the day, that money was stolen from my account, and the money is not Netspend 's but mine. 
So, I called the Customer Service number, and asked to speak to a Supervisor about this claim. I made a total of XXXX calls to Netspend. Each time I spoke to the Representative, I had to explain this claim, then they attempted to connect me to a Supervisor which never happened. 
XXXX XXXX @ XXXX-was on hold for 52 minutes XXXX XXXX @ XXXX, on hold for 10 minutes XXXX XXXX @ XXXX, on hold for 3 minutes XXXX XXXX @ XXXX, on hold for 21 minutes XXXX XXXX @ XXXX, on hold for 34 minutes Note, again, that I never got through to speak to a Supervisor about this claim. I have been in the XXXX for over 18 years ( XXXX ), and this ranks in the top XXXX, the worst way to handle a Customer Compliant. 
The sad thing is the amount is only {$250.00} that needs to be refunded, and the transactions were not authorized by me. Last, I placed a call to Netspend ; s Corporate Office on XXXX XXXX, 2016, but had to leave a voice mail message!