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 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 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: Mortgage

My credit card that had the automatic payment taken for my timeshare payment was hacked so I had to cancel that credit card. When I called to advise XXXX that I had to cancel that credit card and give them a new one they said they had to mail me the authorization form. They told me that the only way to receive the form was through the mail due to they needed a live signature. I made the payment over the phone and they mailed me the form. I called several times for the form because I didn't receive it. They said that they had mailed it and would mail another one. I made the payment via the phone. I finally received the form in the mail, completed it and sent it in. I am now again on auto pay. Every time I spoke the customer rep they assured me that I was not in danger of having a negative rating on my credit report. I asked them over and over again and they said no because they had my payment that I called in. When I went to refinance my mortgage on my home I was shocked that I had a 30 day late on my XXXX timeshare which is considered a mortgage payment and is a huge deduction of points on my credit report. This has been detrimental to my credit rating for me and my XXXX kids. I pride myself on having great credit and this has again devastated my FICO score. I am having to beg with a lender to approve me for a loan to refinance my home. The pricing that I am being offered is extremely high and the rate is very high as well. I do not think it is just that I was reported to the 3 credit bureaus when I was in constant contact with XXXX to make sure they had my new credit card for automatic pay, I paid via the phone and I signed the new authorization form to continue automatic payment. Please, please help me. I am a responsible credit user and pay my bills on time. Thank you for your energy and time.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is purposely not sending me an updated credit report. I spoke to supervisor XX/XX/year> at XXXX XXXX  CST. XXXX XXXX Employee ID XXXX. 
I advised the agent that when I log into my Equifax account, I get the following message. 
Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXXEQUIFAX ( XXXX ). 

Our call center hours are : XXXX XXXX  to XXXX XXXX  ( ET ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. 

If a credit bureau willfully violates the FCRA, the plaintiff may be entitled to damages, including actual damages, statutory damages, punitive damages, and attorneys ' fees. A " willful '' violation occurs when the credit bureau acted recklessly, meaning it knew or should have known that it was violating the FCRA. 

The ECOA protects individuals and businesses from discrimination in accessing and using credit.

In addition to the FCRA and ECOA, a consumer may also have rights under Regulation B.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX 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, 15 U.S.C 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt. Will be put on notice of a law suit that within my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed a POBox address that I've used as my primary address for over 15 years. I have sent in documents, called, tried using the online forms, and no matter what I do I can not get Equifax to remove this POBox from my credit file. It's listed as my primary address, so any correspondence they may try to send me will goto that old address, and I will not receive it as the year of forwarding has expired.

I tried again today to get this corrected. I have three address on file with Equifax, the POBox, work and home. I now need my home address to the the primary address on file and the POBox removed.

When I called, they verified my SSN #, birth date, all the addresses on file, the open car loan and monthly payment amount, a credit card on file balance and monthly payment, but because I could not tell them the month and year I received my last credit report in the mail, which was 5 years ago, the will not remove the address.

I have tried mailing the request in, but somehow that doesn't work either. And since I don't get mail delivered to the POBox, I haven't received a response to the request I mail in manually. 

So Equifax has left me with no way to correct this issue.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I enrolled into XXXX XXXX however Ive never attended none of the classes .I failed to withdraw from the classes due to me failing to withdraw from the classes I ended up with an outstanding balance of {$980.00} fir failing to withdraw a class I never attended. I ended up paying the bill and a negative mark was left on my credit .Due to section 15 usc 1681N.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I FILED CFPB COMPLAINT AGAINST XXXX ON XXXX XXXX AND XXXX XXXX XXXX AND CITED In XXXX XXXX  I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, Equifax, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XXXX XXXX XXXX wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed Equifax, XXXX, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Product: Credit card or prepaid card

On XXXX XX/XX/2020 the card holder mistakingly used her Master Card instead of her XXXX ATM card to withdraw {$300.00} from a XXXX ATM. The XXXX XXXX statement included a {$10.00} cash advance fee and {$12.00} interest charge. The previous balance had been paid in full and the current balance was {$1200.00} ; she paid the entire balance on XXXX XXXX. The XXXX XXXX statement included a {$3.00} Finance charge ; the current balance was {$1700.00}. She paid the entire balance on XXXX XXXX. Every month since then she has been charged {$1.00} in Finance charges for Cash Advances. 
My understanding of the Card Care Act is that the bank must first apply the minimum payment amount for the cash advance and then the remaining payment to other amounts owning as they desire. Since the entire balance was paid in full, the remaining payment reduced all other amounts owing to XXXX. I understand that interest accumulated on the cash advance until the payment was received. The full payment in the subsequent month paid that interest in full. Every month since then, her statements have included a {$1.00} finance charge. The representative at Master Card said that monthly charge will recur for the rest of the life of the card holder unless she pays the balance in full and refrains from using the card for one billing cycle. So essentially Master Card is charging an infinite interest rate on a XXXX balance loan.
Product: Credit card

While on vacation in XXXX in XX/XX/XXXX, our credit card number was stolen and used to make purchases on XXXX and XXXX. Barclay Mastercard contacted me and asked if the purchases were mine, they thought they were fraudulent, and I told them NO they were not our charges. We contact XXXX and they confirmed that the charges were not ours and that they could see another person 's email account was used to make the purchases. Barclay took the charges off, then a few weeks later they sent a letter and said they put all of the charges back on our credit card. I have called them about 7-8 times and spoke with XXXX, a manager, and XXXX, in the fraud investigation. XXXX told me on XX/XX/2017 that he is a manager and would take care of the charges and make sure they are taken off. It has been 2 weeks and he never called back and has never addressed the issue. Everytime I call, no one knows what is going on and no one will help me. Attached is the contact name for XXXX at XXXX. XXXX XXXX Case # XXXX ; Fraud claim with XXXX.
Product: Debt collection

This debt, totaling {$68.00}, was paid in full on XX/XX/XXXX. I have spoken to the original debt holder ( XXXX ) as well as the collection agency ( Eastern Account Systems, Inc ). 

I was informed that it would take XXXX days after XX/XX/XXXX for this item to be removed, which I believe to be a false statement. 

I last spoke to XXXX in mid XXXX, and have yet to see any attempt to correct this item on my credit report.
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 XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

Nelnet is my student loan servicer and I currently have {$190000.00} of student loans. This will continue to increase as I complete my XXXX XXXX. 

I first submitted my application to update my income-driven repayment plan to SAVE on XX/XX/XXXX. To my confusion, there's nowhere in the application to explicitly choose the SAVE plan. However, I clicked " please choose the cheapest plan ''. I called Nelnet multiple times to ensure I'd be placed on the SAVE plan and was always left on hold for hours. Since I am a student with responsibilities, I couldn't wait on hold each time. The final time I finally got in contact with Nelnet, I had been on hold for over 4 hours. However, they did confirm they would switch me to the SAVE plan. My application was finally processed on XX/XX/XXXX ( almost 2 months after submission ). I was approved for an updated IDR plan, but much to my dismay it was NOT the SAVE plan. 

I re-applied to change my IDR plan to SAVE on XX/XX/XXXX. Once again, there was no option to click specifically for the SAVE plan and I had to leave it up to Nelnet. I called and waited on hold for hours again, and was again promised I'd be put on the SAVE plan. They also mentioned lower error rates with paper applications, and sent one in the mail. I received ( but never submitted ) the paper application- this paper application ALSO did not have an option to specifically request the SAVE plan. I was re-approved for an updated IDR on XX/XX/XXXX and was AGAIN devasted to see that I am still not on the SAVE plan. 

I feel HOPELESS. My current monthly interest expense is around {$1200.00}, which would be forgiven under the SAVE plan due to my income ( {$0.00} income as a student ). This interest expense will only continue to grow as interest accrues, both from taking out more debt to complete my degree and the compounding interest effect. The current expense is already {$1200.00} - more than many families pay for rent every month. An absurd amount that it being added to my debt every single month that Nelnet avoids their responsibility of putting me on the SAVE plan. 

Please, please, please help.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX  The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 1681s-2 ( A ) ( a ) 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 or other personal consumer reports

* Account Number : [ XXXX ] Account Name : XXXX XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under [ XXXX XXXX XXXX XXXX reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was contacted today to collect a debt and when I asked to verify the debt in writing the person refused and I was told that they had my social security number and they know where I live and where I work and that if I didnt take care of it now they were going to take care of it, one way or another. They also mentioned my sons full name.
Product: Credit reporting or other personal consumer reports

On XX/XX/28 I contacted XXXX about identity theft I experienced a while back and there was multiple things on my credit, I submitted the proof as well they immediately got to work on it and removing things. I contacted transunion and equifax about removing the stuff as well and they didn't. They told me to dispute it, which I already did and they denied it. I informed them I understand they are all XXXX different companies but when it comes to identity theft they are all supposed to remove the things inaccurate from identity theft. It's a big deal because these things are affecting my credit really bad.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPB has not only neglected to protect me as a costumer, but also allowed repeat offenders to exploit the system.
Product: Debt collection

National Enterprise Systems has sent me a letter which states I owe XXXX in charges to XXXX XXXX. They reference the account as XXXX, as of XX/XX/2022. 

National Enterprise Systems was made aware that this matter was resolved. My account was credited on XX/XX/2022. 

I ask that National Enterprise Systems remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. National Enterprise Systems should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.
Product: Debt collection

On XX/XX/2022 at XXXX p.m., I received a phone call from XXXX XXXX at First Source Advantage , LLC in regards to my wife 's XXXX card. They offered me a 50 % settlement, and I agreed. When she asked if there was anything else she could do at the end of the call, I made the comment ; " Nope, great to have yet another scummy debt collection agency off of my back. '' Her response was ; " Well, I'm glad you paid your bill. '' This constitutes a violation of 12 CFR Part 1006 Subsection 14 " Use of harassing, oppressive, or abusive conduct. ''