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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax XXXXXXXX XXXX XXXX XXXX for Inaccurate Reporting Violation of 15 U.S. Code 1681s2, 1681, and 1681i Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their continued reporting of inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors, Equifax has failed to adhere to their statutory responsibilities under 15 U.S. Code 1681s2, 1681, and 1681i. 

The issues involve inaccurate reporting of XXXX XXXX XXXX XXXX account, which shows " settled Violation of 15 U.S. Code 1681s2 ( a ) : Equifax continues to report information that is inaccurate. This account is not a Collection account anymore. I confirmed this with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is sending a dispute to Equifax to correct this information. # case XXXX. Equifax knows this account is inaccurate but continues to report inaccurate information. 

I have formally notified Equifax and the furnisher of the disputed inaccuracies. Despite this, the errors remain uncorrected. 

Violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : Equifax has been notified at the address they specified for disputes that the reported information is inaccurate. However, the information continues to appear in my credit file without correction. 
Violation of 15 U.S. Code 1681i : Equifax has failed to conduct a reasonable investigation into my dispute and has not promptly deleted the inaccurate information from my credit file as required by law. 

These violations undermine the fundamental principles outlined in 15 U.S. Code 1681, which aim to ensure the accuracy and fairness of credit reporting for the benefit of consumers and the banking system.

I respectfully request that the FTC investigate this matter and take appropriate enforcement action to ensure compliance with federal law. Inaccurate credit reporting severely impacts consumers like me, leading to financial and reputational harm.

Enclosed are the following supporting documentation A copy of my credit report highlighting the inaccuracies.

Thank you for your attention to this serious matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : XXXX  ( COLLECTIONS ), XXXX XXXX  ( COLLECTIONS ) In addition to these fraudulent accounts I've noticed several hard inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted these companies several time. Due to hard inquires on my credit report. i have sent my identification to the credit bureau and the companies. every company i have contacted has know knowledge or information about me. i request for them to remove the hard inquire
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX DELETE THIS ACCOUNT OFF MY REPORT XXXX  Account XXXX DELETE THIS ACCOUNT OFF MY REPORT Inquiry Name. DELETE OFF MY REPORT ( Miscellaneous and public record ) XX/XX/2022 U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

All of these accounts below YOU ARE BREAKING THE U.S FEDERAL LAW 15 USC 1666 ( b ) Billing error : law states late payments shouldn't be reporting without my CONSENT!!!

15 USC 1666 ( a ) Timing or payments A creditor may not treat late payments on a consumer report for any purpose 15 USC 1681b Permissible purpose : by law you have no permissible purpose to contact 3rd parties with my privacy or personal information 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 XXXXXXXX Delete late payments off my consumer report!!!!
Product: Mortgage

My bank sent a bank issued check for my XXXX mortgage payment in the amount of {$800.00}. My servicing company Shellpoint received the check on XX/XX/year> and cashed the check on XXXX XXXX. They are claiming the check was NSF and resubmitted the same check on XX/XX/XXXX and it was then marked " refer to maker '' I contacted my bank and they provided me with a copy of the front and back of the check cashed. With the " for deposit only '' stamp XXXX XXXX. Altho we have provided proof they cashed the check they still deny it. I have the trace # that I also provided to my servicing company. My bank says the check was never returned. I have spent many hours going back and forth with my bank who has been very cooperative and helpful in every way. Shellpoint has only repeated what they have claimed since XXXX. We now have late fees and is about to be a 6 month default on our credit. I have made a complaint to the XXXX  back in XXXX. I have filed a complaint with XXXX XXXX XXXX XXXX 2023.
Product: Credit card

I have contacted the companies to have the information removed but it keeps coming back again th names are capital one bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all these accounts were paid but they are still reporting as negative items on my report on all three bureaus
Product: Debt collection

XXXX from XXXX has called my kids and my ex husband telling them about the auto loan they claim I owe. is n't it illegal for them to tell other people about the debt? XXXX is extremely rude.
Product: Checking or savings account

I have not receive my tax return deposited into my checking account, IRS website confirms the refund amount of {$3100.00} has been sent to my bank on XX/XX/XXXX. I only receive my stimulus covid 19 payment of {$1700.00} on the XX/XX/XXXX that is label at IRS Tax Ref but this is not my Tax Return. I called Bank Of America many times and they claim they have no access to confirm if the {$3100.00} was receive I'm also pending my state tax refund to be deposited. My husband stimulus covid19 relief of {$1200.00} was confirm from IRS website that it was sent to be deposited XX/XX/XXXX and its not deposited into my account from Bank Of America. 

Bank of America refused to seek for further assistance of what happen with the funds that was sent to them, they are only repeating what I already have access to view online of funds I have in my account already.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint against Transunion Complaint number XXXX the complaint requested to have the following accounts removed : XX/XX/XXXXXX/XX/XXXX In their response they stated this : In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - REMOVED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XX/XX/XXXX UN-UPDATED ( XXXX ) XXXX XXXX XXXX XXXXUPDATED XX/XX/XXXX-UPDATED XX/XX/XXXXUPDATEDXX/XX/XXXXDELETED XX/XX/XXXXUPDATED The accounts that I listed above are still on my credit report and it is starting to cause me financial harm.
Product: Consumer Loan

I have been paying my loan to wells fargo home improvements projects on time or two days late I called and they said they would take off late fee and change my due date to the XXXX of each month because I only get paid twice a month. They told that would be fine but come to find out they are still charging me late fees for the late payment I did n't pay that they were suppose to take off and now today I 'm told the system cant take off the late fee and are charging me more than the normal amount of {$52.00} monthly I have called several times.
Product: Debt collection

I received a voicemail at work and on my cellphone from a person name, XXXX. I did some research and found she is from a place called Forward Movement Recovery. Message left stated she was trying to locate me for tracing efforts. The message is also stating if they are unable to make contact with me they will take other means to contact all my references to locate me. The messages is threathening and does not say what it is regarding.
Product: Debt collection

From XX/XX/2019 to XX/XX/2-19 Hauge Associates calls me and when I answer they hang up. They call from XXXX and hang up. They do not leave messages. They do this ten times in an hour for 8 hours a day. When I call the number they say " XXXX '' or just a first name and I have to inquire several times to find out what company they are with. They state that they are associates, representatives, and act as if they are attorneys. I have asked them to cease and desist calling and they will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last account with positive history was removed from my credit report due to 'multiple accounts closing '. Accounts closed due to collection accounts being paid off or collection accounts being removed. As a result, I lost 30 points on my credit report which I have maintained for XXXX for over 10-15 years and increased it to XXXX until this occurred. 

Reporting agencies subsequently changed the status but the creditor did not reopen the account. I did not request closure of account and it has adversely affect my score. 

Company name is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b permissible purposes of consumer reports : 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. This has violated my rights under the FCRA. 15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ;. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- EXPERIAN, XXXX XXXX and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. EXPERIAN, XXXX and XXXX are not an affiliate. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. According to my EXPERIAN, XXXX, and XXXX report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors XXXX XXXX XXXX and also request that an inquiry be made to the third-party debt collector, for actual verification and validation affirming that they have a contract with me bearing my signature. Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given EXPERIAN, XXXX, XXXX, XXXX XXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Incorrect Name - XXXXXXXX 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: Debt collection

I received numerous calls from this number from an automated system. There was no way to opt out of the calls or to tell them I was not the person they were searching for. Then received a call from a " XXXX XXXX '' who left a threatening message on my voice mail. I am clearly not the person they are searching for. Threatened to come to my home and my work. Called from a blocked number but left XXXX as a contact number.
Product: Mortgage

I applied for the TXHAF program in XXXX of 2022 and the agency began correspondence with Midland Mortgage to ascertain information pertaining to my loan. They have requested the I-record every week since then and according to multiple agents from Midland Mortgage they haven't received anything asking for documentation. I have repeatedly called to get this resolved and have been met with rudeness and dismissive attitudes. Midland Mortgage is notorious for foreclosing on homes and I have assistance available but they aren't doing anything to assist me. I reached out today again to Midland Mortgage and asked to speak with XXXX XXXX and was again stonewalled and given a po box to correspond with the corporate office. Midland Mortgage reps stated they have sent a ticket to get information for the TXHAF program. They consistently lie or deny preventing assistance for mortgage relief. One rep stated they receive thousands of applications and I will just have to wait my turn. I spoke with 5 reps from the TXHAF program and they stated Midland Mortgage isn't responding to any other their requests and if they don't receive something soon they will deny my application and close it. This is so wrong. Agents for Midland Mortgage XXXX and XXXX
Product: Credit card or prepaid card

I entered into a contract with Capital One for a credit card on XX/XX/21 and was informed to put a down payment of {$200.00} for a credit line, which is a violation of 15 usc 1605 finance charge. I informed him that I am not obligated to pay pursuant to 18 usc 8. Also I sent an assignment of transfer my rights to delegate the account.

More is alluded in the documents I attached.
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against JP Morgan Chase Bank for its blatant disregard of The Electronic Funds Transfer Act ( EFTA ) and my consumer rights. Under EFTA Regulation E ( 12 CFR 205.6 ), I have diligently notified the financial institution within the mandated XXXX calendar days following the unauthorized transfer event, which does not involve the loss or theft of an access device.

Despite my repeated verbal notices to the financial institution regarding this unauthorized transfer, Chase has failed to acknowledge or address my concerns, thereby violating my rights as a consumer. According to Section 205.6 ( b ) ( 5 ) ( i ) of the EFTA, a consumer effectively limits their liability by providing pertinent information to the financial institution, regardless of whether a specific employee receives the information or not.

Furthermore, it is evident that this unauthorized electronic transfer qualifies as an " error '' under Regulation E 's liability and error resolution provisions, as stipulated in Section 205.12 ( a ) ( 1 ) ( iii ). As per the Truth In Lending Act, Regulation Es error resolution procedures must be followed by the financial institution in response to any oral or written notice of error from the consumer, as outlined in Section 205.11.

Despite these legal obligations, JP Morgan Chase Bank has failed to comply with the necessary error resolution procedures and has neglected to address my concerns regarding the unauthorized transfer.

I am requesting immediate action to rectify this matter, including but not limited to : 1. A thorough investigation into the unauthorized transfer.

2. Reversal of the unauthorized transaction and restoration of my account.

3. Confirmation of compliance with Regulation E 's error resolution procedures.

4. Assurance of measures to prevent such incidents in the future.

Failure to address this matter promptly will compel me to seek further action through regulatory authorities and legal channels. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that JP Morgan Chase Bank fulfills its obligations under the law and upholds consumer rights.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$6400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not knwo what is going on with this account. There are too many lates on it and this is absurd. I demand an investigation why is this reporting like this because I do not recall having this kind of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made a purchase of XXXX dollars in virtual currency XXXX  using the XXXX application, cod. XXXX, Amount XXXX XXXX, Commission XXXX, account XXXX, which hours later XXXX canceled, not knowing the reason. The next day, I needed to repeat the purchase operation, buying the {$170.00} again, and this operation had no problems. 
The problem was registered when the XXXX  card that is linked for the charge in my XXXX account, reported the charge of both purchases without having been canceled or reversed to the card the amount of the first purchase that XXXX  canceled. 
I made several reports of the problem using the pre-made forms from the same application, without result. 
Subsequently, the first week of XXXX, I made use of the contact through the telephone that XXXX informs XXXX ( XXXX ) XXXX giving an account of the situation and delivering the required information, informing me that the amount would be restored within the next XXXX XXXX  days later, but to date it has not been made effective.
Product: Credit card or prepaid card

cfpb Consumer Financial Protection Bureau Capital One Attn : Disputes XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX : Capital One Venture Card This complaint centers on a {$10.00} cash advance fee along with {$0.00} interest charged as a result of using XXXX XXXX on XX/XX/2020. No where available to the consumer is any information disclosed that would give the consumer foreknowledge that using a company like XXXX XXXX will result in a Cash Advance Fee along with interest. I am seeking both an investigation and fines against Capital One and pecuniary damages payable to me for violating consumer protection laws which no doubt they have done to thousands of other card holders. 

Capital One was phoned on XX/XX/2020. XXXX ID XXXX customer service supervisor was questioned regarding this charge. Over one hour was spent discussing the right to make this charge as well as where it was disclosed in advance that such a charge would take place by using this type of merchant. Here is an excerpt from this phone conversation. 

Capital One Venture Card ending in XXXX See attached screen shots Interest charge cash advance fee Question : Where in your Rate and Fee Information or anywhere else on your website does it disclose that use of merchants of this type will result in a cash advance fee? 

XXXX XXXX : Its not there! 

Question : If it is nowhere to be found by the consumer what gives you the right to make a charge against my card without first disclosing the reason I will be charged? 

XXXX XXXX : We apologize but you could have called first. 

Rhetorical Question : What would make me think I should bother with a call when there is no information available anywhere in print, online or that was mailed giving me any reason to believe this transaction would not be treated like any other transaction? 

Here is how this is going to work. You can either reverse this charge along with the interest and make this go away like it never happen or I will file a formal complaint with the Consumer Financial Protection Bureau. Do you realize they have the authority to impose fines on companies that break consumer-protection laws? I can assure you that by the time I am done with this its going to cost Capital One a whole lot more that {$10.00}. So can we settle this amicably? 

XXXX XXXX : Sorry there is nothing we can do. 

Response : Really, well that may be true of you but its not true of me! 


A verbatim transcript of the entire conversation is available on request.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect foul play. I implore you to conduct a detailed investigation and promptly remove them from my credit report. Supporting documents are enclosed for your scrutiny.