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 response within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with all federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I have been dealing with Select Portfolio Servicing who are the so called servicer to a loan that they have yet to prove they own. I have been trying g to get a loan modification or any type of help to avoid my house being sold. They have constantly been violating my rights and are violating the dual tracking law. They are refusing to have me speak with someone who can look at my account and explain to me the questions l have. Their customer service is not helpful because will constantly tell you they cant help you. Their ombudsmans department died t get back to you. Time is running out for me and I dont seem to have any help. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

NC Financial is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with Carmax now for months over a XXXX dollars that is showing on my credit report. This is ABSOLUTELY RIDICULOUS over XXXX dollars. It stopping me from getting the credit I need over XXXX dollars. I mean come on this is so stupid a company that HUGE is gon na make a big deal over XXXX dollars. I want this report from my report NOW!!!!.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX  that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX .... & XXXX XXXX  XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

Reporting inaccurate and incomplete information. I've disputed and the companies still didn't fix.
Product: Credit card or prepaid card

I opened the Citi AA advantage card to purchase vacations and to earn XXXX   miles. I purchased a vacation through XXXX. They paused operations and my trip was canceled and I was not refunded. I filed with Citi under services not rendered. I was given a conditional credit XX/XX/XXXX and it was reversed XX/XX/XXXX and I saw I lost my claim. I called and was repeatedly hung up on. I try with the chat to no avail. I was finally able to email and hear that theyd reopen my claim. They only reopened 2 out of the 3. It was supposed to be close on XX/XX/XXXX if the merchant didnt respond. I checked daily that entire week and saw the date kept changing. It changed to XX/XX/XXXX. I checked XX/XX/XXXX and saw the 2 out of 3 were ruled in my favor. I try again in the chat to ask about the  permanent credit that it says has been applied. 

The chat person was rude, redundant, and kept beating around the bush. I wanted to know if the credit is pending since my XX/XX/XXXX credits were reversed. He continued to try to tell me I received the credits and thats the end of it. Be says the merchant provided the credit and keeps referring me to my statements I try to explain to him whats on them and how it shows the charge was put back on my account. ( I know this to be true without looking at the statement for clarification because I was out buying groceries and my card was declined it was over the limit when they reversed my credit 3 days after applying it without notifying me. ) I asked if the merchant applied the credit then is it currently pending, no response. And then tells me to call a number I call twice immediately and am hung up on. The chat person stopped replying to me. 

I close the chat and reopen and speak to someone else whom confirms that the XXXX credits were reversed or charged again and that there is no credit pending. She seems to feel uncomfortable speaking with me as if she was told to direct me to the phone. She was nice and helpful regardless, even though she was reluctant. 

I call the numbers given today And was hung up on twice. I finally reach someone and she tells me that the chat doesnt realize that the claims department closes at XXXX instead of XXXX now. She doesnt try to talk to me nor look at my account. So here I am again without any answers. 

At this point Im closing my account. Im in a XXXX  group and all citi customers are complaining about the horrible customer service and lack of thorough care.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX  RESIDENT VERIFY I DO NOT RECOGNIZE THESE INQUIRIES- I DID NOT APPLY FOR CREDIT HERE I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello. I am writing to get help on unfair pratices used with credit and debit card checking accounts via chase bank. I recently authorized a payment in the amount of XXXX to a company called XXXX for credit repair services on XXXX XXXX XXXX, XXXX. I orginally authorized only XXXX} and when I saw the XXXX  charge, I called the representative at XXXX and they explained that they erroneously forgot to mention that an activation fee of XXXX would also be assessed. I saw the charge pending on my checking account via mobile banking on XXXX XXXX XXXX, XXXX. On XXXX XXXX, XXXX the payment was shown as posted and paid. I also used my debit card for other items as well during this time frame. I check my account regularly and noticed that all was well and I had no issues with NSF fees at all. On XXXX XXXX, XXXX my account had a positive balance of XXXX}. My husband sent me a XXXX payment of XXXX. I noticed that the funds later in the day was not shown as available after using my debit card for a purchase of XXXX. When I called Chase bank on XXXX XXXX XXXX, XXXX in the evening the representative stated to wait 24hours up to 3 days for posting since my husband sent from another bank and not Chase. Today on XXXX XXXX, XXXX the very next day, I checked my account and NOW see 3 NSF fee 's assessed and debits previously posted and paid now REVERSED because CHASE bank knew the charge from XXXX in the amount of XXXX had fallen off due to their rules I was told this morning that if a creditor does not accept their payment within 3 to 5 days from the date it was initiated, the payment then falls off and goes back as a credit to the consumer Me. Now, I feel that yesterday evening when XXXX DECIDED to take their payment from XXXX XXXX, XXXX, they should have shown up on my account yes, but as a pending charge for that day 's banking debits and not back to the original date and the bank is WRONG to reverse other debit entries that had already posted and had been paid. I am now being charged XXXX} times 3 XXXX in NSF fees and the initial charge itself from XXXX should be questioned. I asked the bank to restore my account and I was told NO. This is wrong.
Product: Credit reporting or other personal consumer reports

Transworld Systems is reporting on my account that I opened an account with them less than a year ago for an account that is XXXX years old. Transworld is reporting this account as a new account to keep it on my credit longer than the law allows. They are collecting for XXXX XXXX and I havent had an account with XXXX  in XXXX  years.
Product: Checking or savings account

I received an email notice from Bank of America on Saturday, XX/XX/XXXX that a new checking account was opened in my name. I called their fraud department and they confirmed it was opened, then they stated they closed the account. I received another email today, Monday, XX/XX/XXXX that another checking account was opened in my name again. 

I have a credit freeze through all three credit bureaus that has been in place for over a year. Bank of America should not be allowing fraudulent checking accounts to be created when credit freezes are in place on these accounts, but it appears they have no way of preventing this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX SELF-REPORTED 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 XXXX XXXX XXXX
Product: Credit card

American Express has received my credit application as a receivable to its receivable trust to be Securitized to which I should have received a charge card with an open ended line of credit being that I have given valuable consideration.
Product: Credit card

I applied for a Chase credit card specifically in order to use it for the no balance transfer fee and no interest on transfer balance for 18 months. I was accepted and instructed Chase with all pertinent information to pay off my old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visa account. Chase claims they have done this but the XXXX has informed me after repeated inquiries by telephone that they have no record of this transaction. Repeated requests for action from Chase via telephone and their online messaging system have gotten me a promise that I will receive a letter in the XXXX mail in 30 days with an answer to my request. This is unacceptable. Chase made a mistake and is not proactively fixing their error while I am, in good faith, currently paying off XXXX credit card debts.
Product: Prepaid card

I was homeless when my case worker signed up for me to receive my social security funds from direct express in the beginning of XXXX however a card was never provided to me. I have tried contacting someone several times for assistance but l am always told to email my identification before I can receive assistance. 

I tried emailing a copy of my ID several times and alwyas told its not sufficient which is odd since its the only id I have and must have been used to open the account in the first place. 

It has been nearly 2 years and direct express has not given me my funds. I have Sent my banking information along with my identification I XX/XX/XXXX and have received nothing. They are currently holding almost a years worth of social security payments on a card and account I have no access to. I need those funds to pay my back owed rent. 

I went to the social security office to see if they could at least cancel those payments and reissue them to me but they advised direct express can only assist. I dont wish to do business with this awful company I only want my social security funds sent to my account so I can access the money and they wont help. There are many online forums with this same complaint the company is possibly a fraud! Please investigate and assist with me getting my money back I dont Know why they cant just send it back to social security office since they dont want to give it back to me directly. Please send social security payments back to social security.
Product: Mortgage

I was 2 months behind on my mortgage payment, last month on XX/XX/2019 I Paid up to date including late fees. ( through the bank website ), This month I tried to make this month payment Come to find out that I was hit with almost {$100.00} in late fees, I call the bank, they kept telling me the website wasnt accurate. 
Got treated badly Ditech finances do not care about customers or their situation, all they know is $ $ XXXX was mean and had her mind set on not giving me resolve the issue.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are violating my federally protected consumer rights. They've included inaccurate information on my consumer reportspecifically, XXXX alleged accounts from XXXX XXXX XXXX XXXX without valid account numbers, negatively impacting my reputation. These accounts must be removed as they do not adhere to the reporting accuracy required by law ( 15 USC 1681e ( b ) ).

Additionally, the agencies failed to provide a clear opt-out form as mandated by 12 C.F.R. 1016.7a. Despite my explicit request to opt out and revoke consent, if they persist in furnishing this data, it violates 15 U.S.C 1681b ( a ) 2.

Moreover, the reported information directly violates 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) as it pertains to transactions and experiences between me and the reporting entity. This constitutes a direct breach.

The inclusion of adverse information, as outlined in 15 U.S.C 1681c ( a ), particularly line 5, violates the statute, specifically 1681c ( a ) ( 5 ). Clearly, this information should not be posted. 

It's evident that Experian, XXXX, and XXXX have violated multiple federally protected rights by including this information in my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), they are liable for compensation of {$1000.00} per violation, amounting to several thousand dollars for this breach.

If these accounts remain on my credit score I will be taking further legal action and protecting my consumer rights. 

The XXXX XXXX XXXX  Credit Card Accounts # XXXX XXXX Balance -- - XXXX XXXX XXXX -- - XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$7000.00} XXXX XX/XX/XXXX XXXX XX/XX/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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX ============================================ UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXX/XX/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 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 XXXX 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 of 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

TransUnion continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My XXXX account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving TransUnion, XXXX and XXXX. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX - both with perfect pay histories. ) TransUnion responded to the complaint ( and my phone call ) advising that XXXX and XXXX had to request the removal. XXXX has already done so, but XXXX refused to take action. Until XXXX takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of the FCRA.
Product: Checking or savings account

On XX/XX/XXXX I purchased a mattress online because the company ( XXXX XXXX ) stated they were working during COVID and described the handling process and also advertised same day delivery. The amount of this purchase was XXXX. Within 30 seconds of the purchase the money was taken out of my account but I didn't get a receipt. When the receipt was not provided 24 hours later I called the customer service line and received a recorded message that the company request you email versus call and that a response would be provided within 24 hours. I emailed the company but did not receive a response. I then called B of A to complain that the company fraudulently took my money and that I needed to be reimbursed, the representative implied that would be the case and opened a claim. I was not reimbursed and in fact the bank has still not responded to my numerous calls. I have received a receipt form XXXX XXXX   showing the money was returned to B of A on XX/XX/XXXX. I called BofA that day and provided them this information on the refund and requested these funds be deposited in my account immediately. Rather than reimburse me they sent a letter stating they closed the claim because it was duplicate. I still do not have the money and am now in a situation were it may cause an account withdrawal due to auto pays but at the very least has caused me not to buy groceries this month. Name XXXX XXXX Claims IDs XXXX and XXXX
Product: Mortgage

REGIONS  LOANS  VS XXXX   FAMILY  :ON  XX/XX/2019  REGIONS  LOAN REFUSE TO FOLLOW THE REGULATIONS IN HOME LOANS   WE  PAY  ALL PRINCIPAL  AND  INTEREST  UNTIL XX/XX/2019 BUT  REGIONS  REFUSE  TO CANCEL  THE  PRE PAYMENT FOR  ESCROW  FROM  XX/XX/2019  LAST WEEK  THE  FILE  A NOTICE OF  LIES PENDENS  WITH OUT ANY  NOTIFICATON  OR HELP  .AGAIN  WE  PAY  ALL PRINCIPAL AND  INTREST PLUS  ESCROW  UNTIL  XX/XX/2019   -  WHY  REGIONS WANT  US  TO  LOSE THE  HOUSE  FOR  NOT  PRE PAYMENT  IN  THE NEW  ESCROW ACCOUNT  - WE  TALK TO  THE  INSURANCE  COMPANY AND  XXXX XXXX  TAX  AND THEY  OFFER A  BETTER PAYMENT PLAN   .PLEASE  INVESTIGATE WHAT HAPPEN !   REGIONS  VILOATE  ALL THIS  REGULATIONS  .Restricted Dual-Tracking: Dual-tracking – when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure – is restricted. The practice has hurt many consumers who thought they were working out a resolution with their banks and were shocked to learn of a scheduled foreclosure sale. Under the new rules:• Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Early Notice When in Trouble: Servicers must include information about delinquency in a borrower’s monthly statement after the borrower misses two consecutive payments. This information must include the date the borrower became delinquent, the amount required to bring the loan current, and the risks of failing to do so.Notification of Foreclosure Alternatives: Servicers must reach out to borrowers who have missed two consecutive payments. Specifically:• Servicers must provide in the written notice examples of “loss mitigation” options, which may be available to avoid foreclosure. These options could include changing the interest rate, extending the terms of the loan, deferring or forgiving principal, or coming up with some other alternative payment plan.• Servicers must include information about housing counseling in the written notice.