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

I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/2023, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

In addition, I disputed incorrect personal information listed on my credit report Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I did not receive a response back from Equifax with the investigation results. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Equifax to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Product: Checking or savings account

The CFPB must fine fifth third bank for stealing my ssi benefits there under my SSN number I am told by XXXX in XXXX and are told by XXXX about the matter that they do not get involved with social security administration benefits at all. My Medicare card was stolen from me since XX/XX/XXXX I couldn't use my own Medicare card and discovered 7 years ago a Michigan State employee XXXX XXXX XXXX XXXX had access to my Medicare card and his as well I am told by XXXX XXXX at Medicare XXXX XXXX department. Now as of XX/XX/XXXX in a letter XXXX are telling me that name has been removed possibly opening the door to release over 20 years of missing benefits. You must release XXXX and establish a claim.
Product: Debt collection

The beginning of XX/XX/XXXX, I received a notice from my HR department at work that my wages were being garnished. My HR department provided 2 pages ( Citation Notice and the page with the calculation of the wage garnishment ). The total amount on the page was for XXXX. And from looking at the Citation page it looks like the citation was sent to an old address of mine. I never received any information from this creditor about this citation or any hearing dates. I moved to a new location as of XX/XX/XXXX and the citation paperwork was sent as of XX/XX/XXXX. 

I was denied " Due Process '' of the law because the creditor did not properly serve me and allow me to request any type of verification of the debt. 
What did I do to try and contact them - I reached out to an online law team to see if they could file papers on my behalf. The company filed an answer to the citation notice but I have not heard anything from the company ( and I'm assuming that I will not because again I did not receive the paper work when it was file and I probably missed the deadline date for the answer ). 

Now they have created all type of hardships for me by garnishing my wages. I spoke with the HR Dept. today and they said that now the total amount owed is XXXX. I really need help in resolving this issue with this creditor.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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. 
CREDIT COLL Original Creditor : XXXX XXXX IN COMPANY XXXX Balance Owed : {$230.00} XX/XX/XXXX/2023XX/XX/XXXX XX/XX/XXXX/2023XX/XX/XXXX/2023XX/XX/year>
Product: Credit reporting or other personal consumer reports

I received a letter in the mail XX/XX/XXXX or XXXX about my information being compromised by evolve bank, XXXX, trans union and XXXX and I was also for 10 years with all three credit bureaus I always been denied credit and was told its my credit score when by law thats consumer fraud .it is also XXXXXXXX discrimination played in some of these credit bureaus and Im a XXXX to this USA nation by law you are not supposed to be denied credit when its being pulled out or your social security number which according to common law in the USA its considered as a credit card and theres no reason why these companies are selling or trusting random people with mine and other people information. I have a credit freeze on the accounts and contacted the credit bureaus and told them my information was compromised in a data breach and I had to dispute the information online and on the phone to still have some false information added to my account that Im being told I have pay when by law I dont owe anything and once my information was compromised Im supposed to have my information removed and clears from the damage from the data breach.in this situation I deserve justice and respect and compensation due to this unjust situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a CFPB complaint ( XXXX ) for Medical Data Systems , Inc . This collection agency is reporting collection accounts that I do NOT owe. On XX/XX/2022, the company responded with the following : " XX/XX/2022 Complaint XXXXase No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX & XXXX XXXX has submitted a deletion request to the credit bureau on the above-mentioned accounts due to incorrect address at placement in collections. Account number XXXX XXXX no longer services this account. You will need to contact the original creditor to dispute the validity of the above-mentioned account. No other contact has been made on this account. Attached are the itemized bills, consents, deletion letter, cancellation letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, Support Manager This communication is with a debt collector. '' I have contacted XXXX several times via mail to dispute the inaccurate collection accounts reporting on my credit reports. 1 out of the 3 of the collection accounts were removed. However, there are 2 collection accounts that need to be removed immediately. I had veteran 's health insurance at the time of my medical visit and should have never been billed. These errors are extremely injurious to my financial character and have caused me to be denied for funding on a mortgage because of open collection accounts. These accounts should be removed urgently or I will be forced to file suit for negligence and damage to my creditworthiness, amongst other things.
Product: Bank account or service

I am a customer at Navy Federal Credit Union and my account is locked out still to this day. As I spoke to someone at cfpb I was told to take a snap shot of proof that I am not able to gain access to the account. After hanging up with CFPB I was courious to see if my account was open for me to log on and it was not. I then took a snap shot as directed and will upload the picture. Before XX/XX/XXXX I spoke with a customer rep at the bank and made arrangements for XX/XX/XXXX and told them I was locked out of the account. After learning about the regulations on this I tried today XX/XX/2016 to gain entry to my account and still can not log in. Also I want to note they are making arrangements with me that are unreasonable and not obtainable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ KOHLS/CAPONE ACCOUNT # XXXX ; XXXX  ACCOUNT # XXXX ; has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX ; XXXX - XXXX OF XXXX. Under 15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX
Product: Debt collection

I noticed this debt was on my credit and I had been asking them validate the debt and they failed on multiple occasions. I even tried to pay it at a lower rate to have it removed as it is affecting me and my children from being able to rent a home. The last was very rude and would not budge although I explained I did not owe that to company and I never received services. I do not owe for services never received. Furthermore this company is not accredited to collect in California. This debt is listed twice on my credit report, affecting it negatively
Product: Student loan

My Student Loans are mostly managed through Navient but also through  XXXX  I live in  XXXX  but am a US citizen. For almost a decade now I have been repaying my  XXXX  student loans and my law school student loans. I have two types complaints the first is general regarding both Navient and  XXXX . The second is specific to Navient.      1 )  The options for repaying student loans from a foreign country are MISERABLE. While I understand that loan repayments must be made in  US d ollars, this leaves me with the option of mailing checks or money orders in  US .  This is not a problem save for the expense of mailing  XXXX  checks to  XXXX  different places ( about {$6.00} extra a month ). My real concern is that these companies continue to tell me they prepare invoices and mail them 20 days before they are due. There is no way to change that except through registering for e-notices. I do not want to go this route but my bills often come days after they are due. I live in  XXXX  outside  XXXX  so it is not like it should take that much longer to reach me.      2 )  Navient : I am sure you get tons of complaints about navient 's services. Their automated telephone receptionist is beyond unhelpful. As i said, I live in  XXXX  so there are always problems with my questions, e.g. payments. I can not reach a live person on the weekends ( i tried 4 times on  XXXX   XXXX  only to be disconnected when i asked to speak with a representative ). I called regarding a loan payment that bounced because of a banking issue. That was corrected and  Navient  told me the payment had gone through on Friday. I wanted to make sure after speaking iwth my bank on  XXXX   XXXX  and could n't reach anyone. I then called on  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   to make sure again that the payment was fine. IT was not and I had a past due amount. When i attempted to make the payment over the phone I was informed they no longer took CC which is insane and the only way I could make payments in the past over the phone as i have no US bank account. They then took my debit card information and told me it went through but that I should check back. Again, that is insane. They charged me interest on the past due despite my efforts to make the payment and ensure things were corrected. Then I was told that they would charge me interest until my loan check arrived by mail if the debit card did not go through. This is unacceptable. I have made considerable efforts to ensure that I pay my loans on time including getting a US $ checking account at my  XXXX  bank. I am responsible for late fees despite getting invoices after they are due and while my check is in the mail to them ( an extra 7 days ) I have no options to make payments directly. Rather than make it easy to make loan payments and keep them current, Navient has reduced my " emergency '' options when a problem rarely occurs. I can not correct the problem and have to rely on smail mail at my cost and with interest while it works its way to Navient.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( black , inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and 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 transfer act ( EFTA ) and Regulation E. These actions caused significant Inconvenience and financial loss, and I seek appropriate redress hey for these violations.
Product: Credit card

I just spoke with a person who said he was manger who called from XXXX ( XXXX ) XXXX After speaking I realized again that I was not going to get the issue resolved. The person told me there is no one else to speak to. Again I was told by a representative that once my monthly installment is paid all monies go toward the balance. This did not happen. Well a payment of XXXX and XXXX has been misapplied My wallet app shows the incorrect payment date. The person who called attempted to put another layer of explanation on top of what I have already been told He also stated there is no one else for me to speak with and he cant correct my payments. I find this impossible to understand. I have sent monies that have been misapplied to the wrong balance. I would like these corrected please.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : TRANSUNION 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 

TRANSUNION 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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 Transfer 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

I submitted a complaint 15 days ago received a response which i will attach the documentation to this complaint as well. Docs that were sent were vague copies to 2 bills no signed documentation and no complete accounting of debt as requested in my previous letters. 

I have not used the original creditor or services while living on XXXX XXXX in XXXX. I used a different service provider which was XXXX. I currently have XXXX service at my XXXX XXXX address in XXXX. XXXX has never stated that I had an account with them in the past that was charged off nor was I asked to provide a payment other than my monthly payments. 

Please help resolve this issue. This account does not belong to me!
Product: Checking or savings account

Representatives from the Bank of America from an alleged XXXX number have been calling me regarding my complaints to the CFPB. It is impermissible for them to be calling me as this matter is now in litigation before the CFPB. 

The fact is that XXXX XXXX has been fraudulently withdrawing money from my BAC account. I have repeatedly told the BAC but they refuse to reverse the charges that XXXX XXXX has made on my bank account. 

The BAC is violating the law by not doing so. 

The BAC has all my financial records with them. There is no need for them to be harassing me with their telephone calls. 

Just reverse the fraudulent charges, BAC! That is not rocket science, BAC! 

That is common sense and sound judgment, BAC! 

But no more telephone calls, BAC! None, BAC!
Product: Checking or savings account

Chime bank consistently goes completely down to where we can't access our funds, make payments, transfer funds, or even see our account information. If this was a one off thing it would be different and somewhat understandable. This happens at least once or twice a month now. Having a banking system go completely down like this is unfair and scary and in some circumstances, significant damage to someones life. Imagine having a job interview and your low on gas on the way there. You stop to get gas with the money in your debit card account but you can't access it and become stuck at the gas station and miss the interview. What is happening is not an oops ... sorry, our bad situation. This is serious and needs to be handled by our regulators that we trust. Letting something like this happen over and over again is not only complete mis-mangement on Chime, but also the regulatory agencies that oversee them. FIX IT. No other banks do this constantly. FIX IT. The most recent date this has happened is today XX/XX/20 beginning around XXXX CST. This can't be allowed to keep happening.
Product: Vehicle loan or lease

XX/XX/XXXX innovate loan financing secured a loan for my auto ..for my XXXX XXXX XXXX XXXX  documentation showing my balance interest rate payments madebilling is completely incorrect and not posted appropriately Almost 2 years later theyre showing my balance of being the same as my original loan amount.. I called to make my payment early last month and The recording said I was XXXX payments past due - incorrect, I was paying early & not past due period.. I called and spoke to a rep he said the recording was wrong. His records show I am current I asked him to send me proof while we were on the phone, he advised he had no way to do this I asked to speak to supervisor & he said there were no supervisors at the moment supervisors had left the building. He assured he has supervisor would be emailing me information I requested. Never received anyhtning I sent an email asking for this information No Response XX/XX/XXXX I called in asking for statement, Advise them I have never received a statement. They told me the computer and their entire companies mainframe crashed. Advised me they had no way of getting into any records. I kept calling monthly told same thingXXXX months later, Im still asking for the same statement I was told the system was still down.. To this date have never received a statement or any documentation to show my balances, any kind of documentation to show payments made interest my concern is I keep making my payments early & I have no way to see what my interest is being charged or any kind of breakdown and their record says that I am late which I was not so theyre overcharging.. 

You have to go online to make a A payment they have no information available no access to statements, no interest rate info no balance info nothing. 

XX/XX/XXXX they kept returning & rejecting my payment online. I had to keep resending it over and over, making sure my payment was made. 

They refuse to send a monthly statement showing current balance, interest, payments made. I request a monthly statement every month and they refuse... I told him if you wont mail one out email me one they refuse I have called and requested over 33 times for this information and still get the runaround. Im told they will email it.. I received one email and all I had was a list of my payments. I had no interest-rate and no breakdown. I had no balance no payoff no anything. 

They pray on people needing help taking advantage especially during Covid.. my grandmother passed away, and I had to go home take care of my XXXX XXXX XXXX grandfather.. My credit score was not that bad but not a XXXX preyed on people in need during Covid. 

They take advantage by not giving the consumer any information that I would think by law we are to have.. I would like to know where I on a monthly basis I am not the only complaint there are thousands of complaints