23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

In XXXX of XXXX my wife and I were renting an apartment through an on post company while stationed in a military installation for {$990.00}. In XXXX, unbeknownst to me, the company began overcharging me in the amount of {$1400.00} for XXXX months before we noticed what was happening. We notified the office and they gave us XXXX months free ( XXXX and XX/XX/XXXX ) and half a months rent off on the third month, equivalent to the amount that they overcharged us. I was told that they would reinitiate the regular monthly amount of {$990.00} after the third month and the rent would be back to normal. XXXX months after the free months ( XXXX and XXXX ) I was told I had to pay XXXX back rents from the months of XXXX and XXXX because they had neglected to tell me that I had to go back to their office to keep them to do it. I do t recall the total amount due but somehow it was over {$2000.00}. We didn't know we owed this money until we received a collections bill in the mail for it and I went to the office. This debt is still on my credit report and appears as an unpaid debt. I reached out to the company to get confirmation of payment of it but they have not returned my calls, saying that someone will call me back soon. I am a homeless and XXXX veteran with a XXXX wife and we are living in our car. I just found out that this debt is what has been causing most places that we have applied to for apartments or housing to turn us away. I am asking for help to get this removed from my report please. This past winter was very hard for us because our only income is my XXXX benefits of {$1400.00}. I know we paid this and need help so we can finally get a place to live. We have been homeless since XXXX of last year.
Product: Money transfer, virtual currency, or money service

Told Zelle i didnt authorize a payment and they wouldnt reverse it
Product: Credit card or prepaid card

I received a card in the mail and was unsure why. I read on XXXX it could be anything from a promo to government benefits or money owes from previous jobs. I spoke with two people in customer service who were very well coached to not give me any answers except to activate my card or close my account. I said I didn't want to sign up for anything, but didn't want to close the account without knowing if someone was sending me money. They informed me they can't tell me unless I activate the card. I asked if they send promo cards and they would not answer me. I have no idea if I am supposed to activate this card, but it sounds like a scam to get me to sign up and well coached customer service who can only answer questions if I sign up.
Product: Debt collection

The classification for this complaint was not listed in the choices so it may be in the wrong category. This complaint is on Portfolio Recovery LLC. I live in the state of Florida. Florida law say any company attempting to collect a debt or collecting a debt in the state of Florida has to be licensed in the state of Florida to collect that debt, Portfolio Recovery LLC is not license din the State of Florida to collect debts. I have included the Florida Statues that verify what I say. Title XXX111 Chapter 559.565 and Chapter 559.533.This law applies to all debt collectors rather they are located in the state of Florida or not. The penalty section makes that abundantly clear. ( See bottom of 559. 565 ). Portfolio Recovery LLC is in violation of Florida law which makes this an illegal debt. I have filed a complaint against them with the Florida Attorney Generals office.I want Portfolio Recovery to cease all collection efforts and remove their trade line from my credit report. Portfolio recovery can not report an illegal debt to the credit bureaus. Portfolio Recover violated Florida law by attempting to collect this debt. I have included a copy of Portfolio Recovery LLC expires Florida XXXX.
Product: Credit reporting or other personal consumer reports

I pulled my credit because I was denied credit due to derogatory item that are not mines XXXX bankruptcies. These accounts are fraudulent and need to be deleted, please removed these unknow accounts from my name XXXX XXXX XXXX DISCHARED- XXXX - {$0.00} XXXX XXXX XXXX DISMISSED/CLOSED - XXXX - {$0.00}
Product: Checking or savings account

Citi charged my checking account a XXXX XXXX  monthly service fee on XX/XX/2024, despite the account having at least the minimum Enhanced Direct Deposits required to avoid a monthly service fee ( MSF ). In XX/XX/2024, after seeing a Citi notice regarding the upcoming, new minimum requirements to avoid an MSF as of XX/XX/2024, I initiated direct deposits from my employer to go to my Citi checking account and meet the minimum monthly direct deposit amount to avoid an MSF. I was not charged an MSF in XXXX or XX/XX/2024. 

On XX/XX/2024, I checked my account online and called Citi when I saw the MSF. The representative said, " It was a mistake '', and reimbursed my account. When I asked how this mistake happened, the representative said I had a direct deposit on XX/XX/XXXX and I said yes, that's when I was paid by my employer. I asked how this mistake will be avoided in the future, but I did not receive an answer. 

I'm writing this complaint because I believe this " accidental MSF '' is occurring to other consumers and I believe the CFPB would be interested in learning how many consumers are impacted and the total dollar amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/2023 I filled a dispute with Equifax about 2 accounts I have on my credit report. 
I requested that the account be removed because I have paid both accounts off in full satisfaction and I applied supporting documents that showed that I have satisfied my claim of the two said accounts. 
On XX/XX/2023 I filed another dispute submitting supporting documents in a PDF file on Equifax platform and was answered the next day. 
Equifax denied my request to remove both bad accounts off my credit report even though I had supporting documents stating I paid off my debt. 
This two accounts was for Department of Social Services and the Department of Social Services sent me notary letters statement showing I paid my debit off and Equifax denied my request to remove the account off my credit report. 
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.
Product: Debt collection

On XX/XX/2023, I mailed a Certified Debt Validation Letter to Spring Oaks Capital via the United States Postal Service, and it was delivered on XX/XX/2023. I received a response from Spring Oaks Capital LLC on XX/XX/2023. However, the information I received was invalid, as I had requested the following details : To whom do you think I owe this debt, and what amount do you claim I owe? I will need the name, address, and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address, and account number for the original creditor, the amount owed, and the date when the debt was transferred. 

Please provide a valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date of the last payment. 

Provide me with a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and the amount paid for each item. 

Does your agency have a debt collection license in Illinois? If so, please provide the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

However, I only received a billing statement, which is not proper validation for a debt validation letter. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX, and it was delivered on XX/XX/XXXX, giving Spring Oaks Capital LLC 15 more days to validate the debt. However, we are now past the 15-day mark with no response from Spring Oaks Capital . Despite several attempts to validate this debt, I have not received any communication, and this unknown debt remains on my credit report, which is a violation of my rights.
Product: Vehicle loan or lease

I took out a loan with Wells Fargo for a XXXX XXXX in XXXX. Since the car was financed I had full coverage insurance on it. In XXXX of XXXX to XX/XX/XXXX again in XX/XX/XXXX to XX/XX/XXXX and once more XX/XX/XXXX to XX/XX/XXXX Wells Fargo XXXX XXXX insurance on my loan. With the added amount I could not keep up with the higher payments and they reposed my car. XXXX of XXXX i was made aware of a lawsuit against Wells Fargo regarding XXXX insurance. They asked that I provide them proof and I did at that time. After waiting with no answers I contacted Wells Fargo multiple times with no definitive answers. They final sent a check XXXX of this year and it was returned due to no fault of mine. Ive contacted them multiple times to please reissue my check. Nothing has been done to this date. Please help me get my money .... Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX The account Pay Status of the account was recently updated to Account paid in Full was a Charge-off from Sold : was a Chared-off. I didnt make any payment but this account was updated. This is either misconduct or negligence by Transunion reporting inaccurate updates in my consumer report. I am requesting that Transunion provide clear documentation that XXXX XXXX XXXX furnished this report or take responsibility for the update. 

This account has continued to cause pain to myself and my family. It has continued to jeopardize my financial progress leading to loans, mortgages, credit card, and auto loan denial. I recently filed a dispute against Transunion on this account with CFPB ( send attachments ). Clearly, Transunion didnt conduct the investigation to verify the accuracy of the account as reported.
Product: Student loan

Was being charged XXXX for 32 payments for a XXXX. I am currently enrolled in PSLF and was being hoaxed by Eduloan as an addition 3rd party payer. They requested my income stubs yearly and log in information and also filed for a forbearance which was not authorized for consented by myself.
Product: Student loan

On XX/XX/XXXX my borrowers defense was approved under the XXXX XXXX XXXX class action lawsuit. These loans are related to XXXX XXXX XXXX XXXX. These loans amounting to approximately XXXX, I believe at this point, are still awaiting to be XXXX. I have received no notification about their discharge, nor have I been granted relief. The loans were required to be XXXX by XX/XX/XXXX. I have notified my lender, the Dept. of Ed, and the class action attorneys. I spend XXXX a month on student loan payments, and need assistance to get the discharge I am owed. 
Thank you so much for your help. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15USC 1681 section 602 states I have the rights to privacy.

15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Checking or savings account

On XX/XX/2019, I spoke with a representative at Citibank requesting to close my savings and checking accounts. The next day I logged into my online account and saw that the checking account was closed, but the savings account was re-opened, without my permission. I then called back Citibank and they confirmed that their system had not closed my savings account, despite pledges that they had done so. This is a clear violation of my rights as a consumer, and Citibank is unlawfully trying to keep my account open.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card

I applied for a credit card at PNC Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to a mistake by the banker, XXXX XXXX, in entering my address on the application form, I did not receive the card for a month. I visited the bank at the end of XXXX to inform them of the issue. 

They acknowledged the address problem and corrected it. They advised me to call the bank 's credit card department after three days if I still didn't receive the card. When I called, they informed me that there was no credit card issued in my name. 

At that point, I decided not to pursue getting the credit card. However, on XX/XX/XXXX, I received a credit card statement in my mailbox showing a {$6.00} charge ( $ 3 monthly fee and {$3.00} paper statement fee ), when XXXX fill my application, she didn't asked I want paper or online banking for this credit card. I even have online for my checking account here. 

I visited the bank today and spoke with XXXX XXXX about the charges. She informed me that I would receive the credit card within three business days. I questioned why I was being charged before I had even received the card.

They explained that the credit card was issued last month, so I am required to pay the fees. However, I believe that I should only be charged if I had received and used the card. Since the bank failed to deliver it on time and I never used it, I feel the charges are unjustified. 

I am filing this complaint with the Consumer Finance Protection Bureau about the staff at the PNC Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The requested specific short sale documents were submitted to Specialized Loan Servicing on XXXX and exterior BPO was completed on XXXX. During the process, they requested for additional documents including the ones that were already submitted, so we have to resubmit them. And then on XX/XX/XXXX, they countered the buyer so a value dispute has been requested due to the buyer not accepting the counter of the lender but on XXXX, the lender said that they are going to request for a new value because the current value already expired, so they did not continue to review the file for value dispute. So we waited until the BPO returned on XXXX - they again countered the buyer so the buyer increased but still low compared to their value. So we again resubmitted the documents for the value dispute and while they were reviewing it, they were requesting for documents that were previously sent to them - so again, we resubmitted those and finally the result for the value dispute has returned on XXXX but on XX/XX/XXXX the lender said that the contract was rejected due to some verbiages that we have already submitted to them several times already. So, we again resubmitted the requested docs on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. 

Despite my repeated requests, Equifax has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute ( XXXX review attachments for account information ), which has caused significant harm. I have experienced a negative impact on my credit score, difficulty obtaining credit, emotional distress, and frustration. 

Moreover, Equifax has violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process, as well as contact information for the data furnisher ( s ) or public records vendor that Equifax contacted during the reinvestigation process, and any additional information Equifax may have regarding my dispute. Equifax has also failed to provide me with evidence of its processes and method of verification, in violation of FCRA Section 611 ( a ) ( 1 ) ( B ) and Regulation V Section 1022.42 ( a ) ( 2 ). 

Furthermore, despite my timely submission of requested documentation, Equifax failed to provide me with the requested information. I have attached a copy of the relevant correspondence and supporting documentation for your review. 

In light of the above, I respectfully request that the CFPB investigate Equifax 's actions and impose appropriate penalties as necessary. Specifically, I request that Equifax provide me with a detailed explanation of the results of the reinvestigation process, including a list of all documents and information reviewed during the process, contact information for the data furnisher ( s ) or public records vendor that Equifax contacted during the reinvestigation process, and any additional information Equifax may have regarding my dispute. Additionally, I request that Equifax immediately remove the inaccurate information from my credit report, and reimburse me for any costs incurred as a result of the inaccuracies. 

In addition, I have also submitted a notarized letter to Equifax, under the penalty of perjury, informing them that all addresses listed on my consumer report that is not attached to this complaint are inaccurate and I have never lived in those locations. I believe that this is a violation of the FCRA and its implementing regulation, Regulation V. I respectfully request that Equifax investigate this matter and remove all inaccurate addresses from my consumer report. 

Thank you for your attention to this matter. I appreciate your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED LATE PAYMENT REMOVED ASAP FORGIVENESS ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, I recently obtained a copy of my credit report and discovered the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that only the permissible purpose for pulling a persons credit report is 91 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : 1.XXXX XXXX, Inquiry date XXXX XX/XX/XXXX 2. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 3. XXXX XXXX, Inquiry date : XX/XX/XXXX 4. XXXX XXXX, Inquiry date : XX/XX/XXXX 5. XXXX XXXX, Inquiry date : XX/XX/XXXX 6.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 7. XXXX XXXX, Inquiry date : XXXX XXXX, XXXX 8. XXXX XXXX, Inquiry date : XX/XX/XXXX 9.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 10. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 13. XXXX, Inquiry date : XXXX XXXX, XXXX 14. XXXX XXXX XXXX, Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX date : XX/XX/XXXX Please remove these inquiries from my credit report immediately.