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

Please see attchments. This complaint is about how equifax investigated my accounts I wrote equifax on XXXX 2024 asking for the method they used to verify this account : XXXX XXXX XXXX XXXX XXXX I received an automated response which i will attach that addressed none of my questions. I sent another letter onXX/XX/2024 for accounts XXXX XXXX XXXX XXXX XXXX  XXXX and they failed to provide me with any verification documents yet they are still reporting these accounts further more they failed to notate I disputed these accounts which is a requirement by the FCRA and therefore a violation. Please see my attachments for my full dispute and proof that even after the investigation the account is still reporting inaccurately.
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 that 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 ( file no. 2025-CFPB-0002 ) 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. These are the accounts i want removed.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited {$97000.00} dollars to Wells Fargo bank in XXXX XXXX In are about of of XX/XX/2023 bank account was emptied. Informed bank, bank only credited me {$3600.00} dollars. And told me that was final credit to account. Informed bank that my account was still getting hacked. Bank kept denying claims an never changed my checking account number left account as is an only gave new debit card.
Product: Mortgage

On XXXX/XXXX/2016 Chase Mtg. recived a check for the balance of my loan, payment in full. Chase reported on XXXX/XXXX/2016 to XXXX a credit score firm a closed account with a {$22000.00} balance, the balance is XXXX not the aforementioned. After checking my XXXX report I learned it shows a open account with a {$22000.00} balance. The account was paid in full 9 days ago and Chase 's reporting to the credit firms is not accurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediate removal of inquiries.
Product: Debt collection

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation under the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. I WANT TO EDUCATE THE COMPANY THAT A CONTRACT OR ITEMIZED BILL/ STATEMENTS IS NOT A METHOD OF VERIFICATION AND PURSUANT TO 15 USC 1692G I AM THE ORIGINAL CREDITOR SO ONLY I CAN VALIDATE THIS ALLEGED DEBT AND I DONT VALIDATE THIS ALLEGED DEBT SO I NEED THIS ALLEGED DEBT REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I CAN SEEK MONETARY RELIEF FAILURE TO PAY WILL RESULT IN US JUST SETTLING THIS OUT IN COURT I HAVE THE LAW ON MY SIDE
Product: Checking or savings account

When I pay for my gas I go inside to pay and I noticed on my account it would be pending after it has already been taken out of my account. Then the next day they would charge me again like the transaction was made that day. This happened twice so they owe my XXXX dollars
Product: Credit card or prepaid card

The issue with this company is that they have a recurring problem with their cards. For example, I bought the card from XXXX grocery store and attempted to use the card XXXX after i bought it, the package had not been tampered with, the flap covering the bar code was intact, yet, the {$130.00} i loaded to card was placed on hold because the card had an attempt already tried prior to me buying the card. This is a common issue with this company https : XXXX they offer no direct contact except thru phone, no email, and want you to fax the documents such as drivers license, receipts, and the card which costs additional money to the consumer! This happened before with this company, and as I told them had I known this was there product I ABSOLUTELY would not have purchased the card!! 
Also, the call center rep REFUSED to get a Supervisor after I requested one several times, that is absolutely against call center protocols! They also should not be able to keep the consumers money, and make us send them information and then they send us another card weeks later, this is so unacceptable on so many levels and for them to be able to get away with this, is crazy!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Credit reporting or other personal consumer reports

Over the past year I have been submitting disputes to all three credit agencies XXXX, transunion and XXXX as well as to various collection agencies about reporting information on my credit report that was caused due to identity theft. I have constantly sent letters and within a weeks time the accounts are coming back as verified. I have no knowledge of these accounts. I sent a letter to all agencies asking for method of verification and I have yet to receive anything back. My last letter I sent to them was on XX/XX/year> by certified mail. I have suffered financially, and this has caused undue stress to myself and my family. I continue to dispute this information but get no where. I even submitted a letter from the Department of Justice stating that I was a victim of identity theft and my personal information has been compromised. I also let them know that I was apart of the XXXX data breach and since that time several accounts were opened in my name. What are my options here am I to get an attorney involved at this point. Please advise
Product: Credit card or prepaid card

Name of the company : COMENITY  Name of the credit card : My XXXX 's XXXX My XXXX bill was XXXX due on XX/XX/XXXX. 
On XX/XX/XXXX I paid XXXX and XXXX totaling XXXX. I made a math error and I was XXXX short of paying the bill in full. Since XXXX I have paid my bill in full with this card. 

On XX/XX/XXXX COMENITY  charged me XXXX  FINANCE CHARGE. 

My XXXX bill was XXXX  due on XX/XX/XXXX. On XX/XX/XXXX, paid the bill in full, XXXX 

On XX/XX/XXXX COMENITY  charged me XXXX FINANCE CHARGE. 

My XXXX bill was XXXX  due on XX/XX/XXXX. On XX/XX/XXXX, I paid the {$7000.00} bill {$16.00} more than the amount due. 

On XX/XX/XXXX COMENITY  charged me XXXX  FINANCE CHARGE. 

On XX/XX/XXXX at XXXX PM, I called and spoke with XXXX in COMENITY customer service. She told me the reason I paid so much in interest was because I was charged interest on the entire balance in XXXX ( because I did not pay it in full ) not the balance owed. I explained to her that I can not be charged interest on money I have PAID to COMENITY. I believed it was an illegal practice. I had only seen the one interest charge for XXXX at the time XXXX I asked if she felt it was appropriate to pay three times the amount of the balance in interest. She disagreed and stated that is the policy. I closed my account. 
I found this so incredulous I called COMENITY customer service again and escalated this issue and I was transferred to XXXX XXXX. XXXX confirmed what XXXX said and added the detail that if a balanced is not paid in full, COMENITY will continue to charge interest on that XXXX total balance until the bill is paid in full for TWO full months -- even though bills in the meantime are being paid in full! XXXX explained to me that all of this is in the fine print of the credit card account paperwork I received. I asked XXXX if he had ever read that paperwork. I did not receive a response. At the time I spoke to XXXX and XXXX, I thought I had only paid XXXX} in interest. I also asked XXXX if he felt XXXX  and was appropriate for a XXXX  balance back in XXXX when the following two months were paid in full and one case more than full. Again no response. 

Subsequently I went to the COMENITY site and learned I paid XXXX since XXXX in interest for a XXXX balance on a XXXX bill when the next two months ' bill were paid in full. NEITHER the customer service representative, XXXX or XXXX informed me of this discrepancy. So in effect, I paid XXXX interest for 30 days on XXXX  That is usury. 

I am asking the CFPB is this practice legal -- charging people interested on amounts PAID to a company? Charging interest when balances are PAID IN FULL for two months after one month of a minor math error of XXXX of the balance? 

Please advise.
Product: Credit reporting or other personal consumer reports

school loan from XXXX XXXX was supposed to be taken off report and reappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to TransUnion multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. TransUnion has broken NUMEROUS USC laws. Reached out to them via mail/certified letters with return receipts. TransUnion did not have permissible purpose to report anything to my consumers credit report. TransUnion received information from someone other than myself. Thats aggravated identity theft! TransUnion also didnt havent written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. TransUnion must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX is part of the Fair Credit Reporting Act ( FCRA ) .It establishes the purpose and findings of the FCRA XXXX which governs how consumer credit reports are accessed and used.The FCRA also aims to protect consumers ' privacy and ensure that credit reporting is fair and accurate. 

Purpose The FCRA 's purpose is to ensure that consumer reporting agencies ( CRAs ) are fair and impartial in their use of consumer information. 

The FCRA also aims to protect consumers ' privacy and ensure that credit reporting is fair and accurate. 

Findings The FCRA states that fair and accurate credit reporting is essential to the banking system. 

The FCRA also states that unfair credit reporting methods can undermine public confidence. 

Definitions A consumer report is any communication from a CRA about a consumer 's credit worthiness, credit standing, or other information. 

A CRA is any entity that assembles and sells consumer credit and financial information. 
Here are there accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I mailed my remittance coupon to them, filled out completely and legally To my knowledge. 
XX/XX/XXXX At some point, I talked to them. I dont know which day, but XXXX of their workers talk to me through writing out the remittance coupon the right way. 


I mailed them a follow up letter with a copy of the remittance coupon XX/XX/XXXX On XXXX XXXX XXXX I talked to a supervisor and they told me that they do not go by the XXXX and that they do not recognize my payment as payment
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP US DEPT OF ED/XXXX XXXX, US DEPT OF ED/GSL/XXXX XXXX, US DEPT OF EDXXXX XXXX,
Product: Credit reporting or other personal consumer reports

I submitted complain to the CFPB on XXXX Experian currently reporting inaccurate address information on my consumer. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 


I am distressed that Experian have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


There are 2 invalid and inaccurate addresses listed as my place of residence XXXX invalid phone numbers. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 

I have enclosed the required copy of my drivers license with this address as well as a utility bill verifying that my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. 



Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

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

I pulled my credit report and noticed that I have accounts on my credit report that doesn't belong to me. I did not benefit from the accounts in any way.
Product: Debt collection

ON XX/XX/XXXX I RECEIVED AN ALERT FROM XXXX XXXX STATING THAT I HAD A $XXXX  BALANCE ADDED TO MY CREDIT REPORT FROM A XXXX XXXX XXXX BYWAY OF MIDWEST RECOVERY SERVICES XXXX. I CALLED IN XX/XX/XXXX TO GET MORE INFORMATION ABOUT THIS DEBT THE GENTLEMAN I SPOKE WITH ASKED ME A FEW QUESTIONS THAT I COULD NOT ANSWER ABOUT THE PLACE THAT I HAVE NO KNOWLEDGE OF. I ASKED HIM TO SEND ME THE INFORMATION ABOUT THE DEBT THAT WAS TURNED OVER TO THEM AND THAT WHOEVER THE ORIGINAL DEBTOR WAS, NEEDED TO SEND ME INFORMATION ABOUT THIS DEBT.  SINCE THIS IS MY FIRST KNOWLEDGE OF THIS.I GAVE HIM MY MAILING ADDRESS OF XXXX XXXX XXXX XXXX XXXX FL XXXX.  THE GENTLEMAN SAID THAT HE WILL BE SENDING VERIFICATION TO MY MAILING ADDRESS AND TO HAVE A GREAT DAY. IT HAS BEEN 3 FULL MONTHS AND I HAVE NOT RECEIVED ANYTHING FROM THE ORIGINAL DEBTOR NOR CREDIT BUREAU ABOUT ANY INFORMATION ABOUT SO CALLED DEBT. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. THIS IS NOT FAIR THAT ANY COMPANY CAN JUST PUT ANYTHING TO YOUR REPORT WITHOUT EVEN KNOWING IF THIS IS YOU OR NOT. I HAVE NOT RECEIVED NOT EVEN ONE CORRESPONDENCE FROM THIS COMPANY NOR THIS CREDIT BUREAU. $XXXX FROM MIDWEST RECOVERY SYSTEMS LLC NEEDS TO BE REMOVED FROM MY CRESDIT REPORT WITHIN 30 DAYS AS OF XX/XX/XXXX.
Product: Credit reporting

The Information listed on Transunion 's for both me and my husband 's credit report, list an address that is not, nor has ever been mine or my husband 's address. The address reported on Transunion 's Report is XXXX CO XXXX. 

Please correct our report by deleting the above address from XXXX our reports. Thank you.
Product: Credit card or prepaid card

Financial Institution : Bank of America TravelCard Balance Transfer 1 ( XX/XX/XXXX ) On XX/XX/XXXX, I wanted to take advantage of BoA 's promotional balance transfer of 0 % interest payment until XX/XX/XXXX. I transferred over from 3 credit cards with the total amount of {$9100.00} to this balance transfer promotion. I set up my BoA to autopay from my checking account to pay $ XXXX. I made 3 payments in XXXX, XXXX, and XXXX. But on XX/XX/XXXX, BoA automatically paid off the remaining balance of {$7200.00} directly from my checking account. I also had the auto-pay make the {$640.00} payment in XXXX. When my checking account was low, I received a noticed from BoA that my checking was below the minimum balance. I contacted BoA and told them I didn't authorize this payment how come my balance transfer is paid off? They explained to me that I had a setting for auto-pay to pay off remaining balance if my checking account had enough funds. I asked well how am I going to pay off my mortgage or other bills if you took the funds from my checking account? I asked if I can have this reversed, credit the amount back to my checking account. They said yes, it will take a few days. I asked if I get this credited back, will I still have the promotional 0 % interest rate until XX/XX/XXXX? They said NO. Because I can't utilize the promotion, and my balance has been paid off, I asked not to transfer my credit back to my checking. As a result I had to tap in to my savings account to pay my other bills. 

Balance Transfer 2 ( XX/XX/XXXX ) On XX/XX/XXXX I decided to advantage of another BoA TravelCard balance transfer promotion for 0 % interest until XX/XX/XXXX. I transferred a total of {$8000.00}. And this time I will set up the autopay to pay $ XXXX from my checking account. I also cleared the settings to auto-payoff the entire balance from my checking account. On XX/XX/XXXX, I made the first payment {$700.00}. On XX/XX/XXXX BoA applied a Payment Adjustment by taking the balance that I paid off from my 1st Balance Transfer ( XX/XX/XXXX ) and crediting it to my checking account in the amount of {$6500.00}. With that I TravelCard account has a total debt of {$14000.00}. 

On XX/XX/XXXX, I called BoA and asked why do I have an additional debt of {$6500.00} added to my XXXX account totaling {$14000.00} in total debt? The representative said you requested to be credited. I told her, No I did not request it. I may have requested it initially, but I changed my mind because the debt is paid off ( Balance Transfer 1 ). I told them if I paid off the debt why would I want to re-borrow the debt? I did not request this. 

As the support person troubleshooted the issue, she said the newly added debt of {$6500.00} does not have the promotional balance offer and it will have a higher interest rate. And if you try to pay off {$6500.00}, it will go towards paying off your 2nd balance transfer. The lady generated a case # XXXX, and said maybe your newly added debt of {$6500.00} can also get the 0 % balance transfer, but her manager would have to reach out to me. I provided my number and never received a call.
Product: Checking or savings account

They closed out my account I never did anything wrong and I try to call and talk to someone and said I broke an agreement but the only thing I did was pay my rent on the card and I was late paying my rent because I had to wait for them to release my money and had to go and get an bank account and payday loan because cash app wasnt trying to give me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor Fifth Third Bank has reported two late payments XX/XX/XXXX & XX/XX/XXXX has violated my rights under 15usc1681 in section 602 states I have the right to privacy 15usc1681 section 604A states I have the right to privacy 15usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15usc 1681A / definition, rules of construction exclusions except as provided and paragraph the term ( consumer report ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Product: Debt collection

Called RADIUS GLOBAL SOLUTION Original creditor : XXXX XXXX XXXX  XXXX to resolve the account and they were unwilling to work with me concerning the payment for the old bill which they are a thrid party that handles the old account for XXXXThis was on XX/XX/20 when I called to resolve the account last.
Product: Mortgage

On XX/XX/XXXX I paid {$200000.00} on an original loan amount {$380000.00} loan. At the time of payment the loan was recast at {$170000.00}. In XXXX I was informed that my escrow account was not sufficient to pay taxes and insurance and after examination I discovered that PMI was being charged and called my provider and then filed a complaint with them online. The response was you did not ask for it to be removed and we do not base our PMI on loan to value we base it on the amount of the loan that is paid off by recasting the loan it is not paid off to XXXX percent. I submitted proof of the houses in the area that sold that my loan to value has been reduced and they remove the PMI now but refused to reimburse prior payments when it should have been removed already under Homeowners Protection Act of XXXX ( HPA or PMI Cancellation Act, or Act ).
Product: Credit reporting or other personal consumer reports

What happened? 

On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX  requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation.

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision. 

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated. 

I have proof of the certified mail receipt that I will upload to support my claim.
Product: Debt collection

I was alerted of a medical bill owed as it was reported to credit agency. I have never received an itemized bill, I have no knowledge of bill or service, nor agreed to such services. Texas Health & Safety Code, Chapter 185 was not followed at time of reporting.