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

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) Due to inadequate customer services and unfair practices, which violates the consumer Financial Protection Act ( CFPA ) specifically, cash app failed to take timely an effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

On XX/XX/2016 we bought XXXX water system to purify our household water and our drinking water. With the notion, that the system will take out all impurities out of our water. After 3-4 months from the date of installation we started noticing a yellow, orange, red, and greenish color substance in our showers, toilets, and sinks. So we called the sales person over 50 times and he did not answer. Finally, we got in touch with the main office and the manager called us back. He came to the house, we showed him the problems. He took samples, and they were inconclusive. Then we called again, spoke to another manager, he came out same thing. Then they sent a tech out, the tech informed me that the reading should be under 10 because it is a new water system, when he did the test, there was no difference between the city water coming into the house and the water coming out of the system, which I saw with my own two eyes because he was showing me the reading. After he saw the readings he tried to change his story so we called the main office and spoke to the main guy in California. After a heated debate we left off on that he was going to figure out an alternative option something like switching out the machine for another one and we hung up. Working 7 days a week, months and months went by but nothing was done. We didnt receive not one call or come to any solution. I got sick, my XXXX  XXXX was as big as my XXXX XXXX. My doctor asked what I was drinking and eating because it could be a XXXX XXXX. So after doing a XXXX & XXXX they still couldnt figure out what was wrong. So I stopped drinking the water and cut off the payment that was being directly withdrawn from my bank account for almost two years. Ironically, my health got better yet my level of XXXX  with this company got higher. Thats when they started calling us. We explained the situation they told us they would get back to us within 48 hours and nobody called us back. They sold our account to a collector who demanded payment. We explained to them the situation they said they would call us in 24-72 hours and no one called us back. A few months ago they called us again. We explained to them the situation again this time they even confirmed the notes on the account & said they never received one single payment. Which is a lie because we have bank statements to prove it. We even told them to come get their machine and they said that it would be a good idea to come get it and yet again NOTHING was done. Forcing me to pay for something that doesnt work is not right. They also stated every time that we were on a recorded line so they should be able to confirm the same thing I am stating. They even said they have a lot of notes on the account and even said they had everything documented yet nobody did ANYTHING to help fix the problem. We are still waiting for their phone call. I went to buy something the other day and noticed they are hurting our credit and I dont know if to get legal counsel and file a law suit therefore I am here begging you for your HELP.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Student loan

I disagree with the dispute results. I made all my payments on time in XX/XX/2019. I requested a forbearance that was inaccurately inputted by a XXXX XXXX representative. I repeatedly tried to fix the problem, including making additional forbearance requests and calling. A delay in my IDR recertification application caused a large payment to be due and paid. This caused financial hardship for me and it was refunded. Forbearance should have been applied, however, a representative made a mistake and they became very confused about what was happening with my account. I never made a late payment. 
When I finally was able to talk to someone who thought to look at the problem differently, they were able to find the problem that was made by the employee when entering the request I made over the phone. They caught their error, approved the request for forbearance, and then marked my account as paid ahead due to my making my agreed upon IDR ACH direct deposit payments during the time the forbearance had been retroactively applied. 
I disputed with the company and all 3 bureaus. My payments were never late.
Product: Money transfer, virtual currency, or money service

I have requested my account funds be disbursed to me in " Lawful Money '' or the Credits thereof per the gold standard dollar for dollar, per HJR 192 and Title 12 USC sub section 411. The company is issuing XXXX, or " Federal Reserve Notes '', that Do not Cancel Debit only " Transfer '' Debit. This company has a issue with Following Federal Guidelines when it comes to its customers. I have also Requested a Federal Truth In Truth In Lending Disclosure Statement with the Listing Factors and Deciding Factors for the Denial of consumer credit Transaction reference # XXXX, and # XXXX for visa infinite credit denials. The company has not complied with my requests even after Telling this Bureau that they have complied and satisfied complaint # XXXX. Can you Please Help with this issue
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX Account Number XXXX XXXX my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.
Product: Money transfer, virtual currency, or money service

A made a transfer to my XXXX XXXX account from my paypal wallet there my prepaid card. PayPal claimed the transaction went to another customer 's account and a dispute was raised which took over a month. 

I was later told a refund has been made to me on the XXXXXXXX XXXX XXXX but till date i have not received the money. 

I reached out to my bank and was informed the refund was not made by PayPal. My bank then advised i should get a XXXX copy and ARN from PayPal to trase the claimed refund. 

When i reached out the PayPal on the XXXX morning there there customer service line the XXXX whose claim her name is XXXX used to give me the details, refussed to allow me speak to a supervisor and was so rude to me which is currently affecting my mental health. 
XXXX so disappointed and depressed as to use a lady would frustrate me in that manner. She told me she would write a note on my record and no one would assist me even if I call back. 

Truelly her other colleagues i spoke to refused to assist and all disconnected my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of $ XXXXviolation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.
Product: Debt collection

I received a voicemail on my XXXX voice line from XXXX XXXX leaving identifiable information about my debt. They said on the voicemail that it was file in his office with the file number and who the original creditor is. 

Then he called me on my main cell phone number. I answered and it was XXXX XXXX. He was not rude, but did not identify that he was with a collection agency, or even give the disclaimer " This is an attempt to collect a debt, any information obtained will be used for that purpose. '' He went full throttle into talking about the debt. I contested verbally over the phone the validity of the debt. They ignored that my valid balance was {$100.00}. He only wanted to discuss what XXXX XXXX XXXX sent over to him. I told him that my balance got down to {$100.00} and XXXX tacked on a lot of fees to keep my balance high and this was not the first time they did this. I told him that I would settle for {$100.00}, he said he could not do that and then passed me off his supervisor who was quite rude and condescending. I told XXXX before I was passed off without notice that XXXX is still dinging my credit as of two days ago. He said they should not be doing that, but he did not seem concerned. 

I reminded the supervisor that he was in violation of the FDCPA, but did not tell him that what violation, just that I had been a debt collector for 18 years, and I am very well versed in the FDCPA. He said that the most he was allowed to give was 25 % discount. I told him that they bought the debt for pennies on the dollar and by offering this tiny discount was a farce, because they could offer more. He got really rude and refused to listen to a thing had to say and hung up. 

I want these violations addressed and fixed. These individuals have no training in the FDCPA or they act as if the FDCPA does not pertain to them. I have the recording of this call if needed to verify my claims. I am in a one party state.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw that there were some inaccurate Accounts Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I received a pre-paid Visa Debit card as the result of a promotion by XXXX for a set of XXXX appliances i bought from XXXX. XXXX. The card value was {$300.00}. The card was issued in XXXX of 2015. This was an XXXX promotion, not a XXXX XXXX promotion. I set the card aside in anticipation of using the funds for a project in the near future. I did n't realize the that the actual physical card had an expiration date ( the expiration was XXXX, so the card was only good for 6 months ). When I tried to use the card, I was told that it had expired. It is my understanding that these kind of cards are to be honored up to 5 years for the date of issuance. I have tried very patiently to get XXXX, XXXX, the XXXX XXXX, XXXX, and XXXX to honor the card. They have all gave me the run around, or have passed me on to someone else, someone else who ultimately could not help me. Can you please help me with this matter? Do I have any recourse? Is their denial to honor the funds legitimate?
Product: Credit reporting or other personal consumer reports

Their are closed accounts and inquires on my transunion credit report that are not mines I am a victim of identity theft Listing closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I signed a lease to live at Seasons of XXXX XXXX XXXX  in XXXX XXXX, TX from XXXX XXXX XX/XX/XXXX. My initial lease was up XX/XX/XXXX and I opted in for a XXXX lease that would take me through XX/XX/XXXX. The lease was not provided to my until Late XXXX after I paid my initial rent on XX/XX/XXXX. The lease documentation also does not shows incorrect dates of execution and move out dates. I moved into my new complex in XXXX, TX with seemingly no issues. The keys were mailed to XXXX at XXXX XXXX via XXXX and I did a walk thru clean up. I have never left any of my apartments dirty or less than. Now over 6 years later I am informed that an eviction as well as a collection account with XXXX which was filed XX/XX/XXXX and submitted to XXXX XXXX XXXX. I was already in my new apartment and unaware of any notices or wrong doing prior to my move out. This information has been placed on my Credit report and is negatively impacting my ability to secure housing. I have my lease start date with my new complex to prove I was no longer living there as well as no negative info was provided to my new complex or me during that initial new tenant screening. The files were tampered with and this is fraud.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and Equifax data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

Equifax has several fraudulent inquiries and accounts on my credit report that are not mine and neither did i authorize these inquiries or give permission for these accounts to be on my credit report. 

10 inquiries 1 account with XXXX XXXX XXXX 2 accounts with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$0.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Product: Student loan

I have had two loans with XXXX XXXX now Navient in a matter of a 3 years my loan has gone from XXXX to XXXX. In a matter of two weeks my loan went from XXXX to XXXX I do not feel that it is a fair amount of fees nor do I even understand. 

I have tried time and time again to change my payment plan with continuous bouncing back while fees adding up by the thousands in a matter of weeks. 

I have a strong feeling that something is not right and unfair in this situation but my lack of knowledge prevents me from pinpointing what exactly it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. 

I called XXXX and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the Biden forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing 90 days past due on all my student loan information without a true representation of my conversation with them.
Product: Checking or savings account

Opened a savings account XX/XX/XXXX with a XXXX dollar bonus when you deposit XXXX within the first 30 days. The bonus was supposed to be paid within 90 days after the 30 day initial period. So after 120 days the account has not been credited with the bonus. 

I deposited XXXX into the account on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX : {$0.00}
Product: Credit card

I am writing to formally file a complaint regarding unauthorized charges on my Wells Fargo card. I was charged for a church membership in XXXX, and additionally, I have been charged twice a month. When I initially opened the membership, the worker mistakenly created a duplicate account for me. 

When I reported this issue, the company assured me that I would not be charged twice. However, the double charges have continued, which is causing me significant financial strain and impacting my mental health. I do not have the financial means to pay for a service twice, especially when I am not using it. 

I kindly request an immediate resolution, including a refund for the extra charges and assurance that this will not happen again. Please look into this matter as soon as possible and provide me with an update. 

Thank you for your time and assistance.