23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax. No third party is involved. I was unable to retrieve my annual credit report. I called in and spoke with a rep and was still unable to retrieve my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX 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

TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.DIRECT LOAN SERVICE SYSTEM # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern i am an consumer i have repeatedly tried to contact Equifax, XXXX, and XXXX via letters and they have repeatedly and purposely avoided fixing the issues, with my consumer report, on the date of XXXX i sent my first certified letter with no response for months and i sent more letters and still no response. the letters stated that Equifax, XXXX, and XXXX were inaccurate reporting items on my consumer credit report.I read according to 15 U.S. Code15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

XXXX wrongly charged house fee via BankXXXX. I filed the dispute to Bank of America credit card. While they were investigating this dispute, XXXX XXXX XXXX refunded to BankXXXX. I passed the refund transaction record to Bank of America. But they still charge me. They told me they did not receive this refund without any further investigation.
Product: Debt collection

In XXXX XXXX I changed my Cell phone services from XXXX XXXX XXXX to XXXX. As a result there was service and discontinue contract charges totaling over XXXX. I paid some then got contacted by a collection agency of XXXX XXXX XXXX in XXXX. I settled the debt with them for like XXXX. They assured me that they marked the debt is paid off by an agreed settlement. Early XXXX I got a call the same collection agency requesting to pay some {$550.00} for a debt to XXXX XXXX XXXX. they explained its for the cell service. I explained and they looked up their notes and confirmed that I settled and not to worry about this ever again since they will take care of this balance. Here we go in XXXX I get the same collection letter, from a different collection agency this time. And they told me that they have no notes about this account being settled and I have to pay {$550.00} now. ERC collection XXXX. Ref # XXXX. They did n't care of what I have to say. I need XXXX XXXX XXXX to stop assigning this account to different collection agency. I am XXXX and they continued to harass me for the last 3 years. When is it going to stop.
Product: Mortgage

Our house was built in XXXX. We refinanced our house in XXXX of XXXX for the purpose of cutting monthly expenses. Our interest rate wasnt bad. They used our closing tax amount ( taxing land only ) for our projected taxes on our refinance. The document they received from the title company clearly states that the value of the taxed property is {$39000.00} and the person named is the name of the land developer who owned the parcel before our home was built. The amount used was {$420.00} and should have been approx {$1400.00}. According to the TRID rule, the mortgage company is not held liable for the taxes changing, but the amounts projected should be based on factual and reliable estimates. There is no circumstance where a {$39000.00} parcel of land would be an accurate substitute for {$250000.00} home. As a mortgage company, I put the responsibility on them to make sure the amounts seem accurate, which a quick look at the county tax info and our home value should have told them it wasnt. Or even reading the details of the document they were using which clearly states that the amount listed is land value. 
We made payments for four months at the quoted new payment amount before we were notified that the escrow account was insufficient and they would be adding on to our monthly payment temporarily for the error and long term to maintain the higher amount. 
Because of this error our payment is now UP approx {$160.00} per month and once escrow is recovered will only be approx {$30.00} less than our original payment ( before refinance ). Of course we wouldnt have refinanced to save approx {$30.00} and they also added approx {$5000.00} in fees back into our loan. 
I called the customer service and spoke to escrow, who then directed me to refinance. The refinance dept tried to claim they had done nothing wrong and could do nothing else, but said they would check with another department and get back to me. The refinance dept supervisor called me back to say he had spoken with the escrow and consumer services departments and they also believed there was nothing they could do at this point. 

I am reporting them because I feel like this is either negligent or fraudulent business practices to get customers to refinance.
Product: Credit card

On or about XX/XX/year>, I realized that I had overpaid my credit card bill to US Bank by {$5800.00}, which created a large suplus balance on my account. I called US Bank and asked them to initiate a refund on or about XXXX XXXX. 

As of XXXX XXXX, they have not done so. This is wrong on so many levels to the consumer, and it's likely happening to XXXX XXXX XXXX of banking customers per month at each bank. 

Here are what I see as points of anti-consumer behavior : * US Bank 's policy - I was told- is to NOT notify the customer of an overpayment. Why not? They are able to notify a customer if there is an unusual charge suspected of possible fraud on one 's credit card. But, they can not use such algorithmic detection and pattern recognition capability to notify us of an overpay - especially a big one? Why not? Just imagine you double-paid your landlord one month by mistake. An ethical landlord would quickly notify you of your mistake, asking " did you mean to pay 2x this month 's rent check, or was that an accident? '' A greedy and self-serving landlord would not, instead hoping that you forget it about it, move out, or maybe die. 

* US Bank takes an outsized amount of time to " review '' the refund. Why? Likely because it's to their beneift to slow walk the refund so they gain interest on it while in the bank 's possession, rather than the customer gaining interest on it while in the customer 's own possession. If XXXX customers overpay their credit card bill by just {$100.00} each month, US Bank gets to hold onto an extra {>= $1,000,000} dollars that month, earning interest on this aggregate multi-million dollar amount. Now just imagine all the other banks doing likewise to scores of consumers. Absent regulatory guidelines, banks are doing this to likely millions of accout holders * US Bank- once asked to transact a simple refund, took an outsized amount of time to execute it. Why would a refund take XXXX weeks? The answer? See bullet point above. 

This is anti-consumer behavior that needs to be regulated. In short, I've been begging and pleading by phone for the electronic refund and return of this money from US Bank over 9 phone calls with no less than 5 different reps and managers for weeks and weeks. Their only response is the equivalent of " the check 's in the mail ''. Meanwhile, they gain interest and the consumer suffers. I'm sure I'm not alone, and it's lack of regulatory policy that allows banks to behave in this manner. 

Simply put, they do it because it's in their self-interest and because there is no banking law that prohibits them from de-prioritzing consumer interest.
Product: Debt collection

I had an unsecured card with XXXX XXXX and during the XXXX XXXX I was displaced out of my home for 120 Days. I spoke to XXXX XXXX and let them know that I wanted to work with them on this debt. I was told that they would work with me and when I called back to make a payment they told me that they couldn't take any payments from me. I've tried to resolve things with them. The credit card limit was XXXX and it been reported on my credit report {$1000.00}! They are lying on all 3 credit bureaus saying it was a {$450.00} credit limit which is completely untrue! I'm a home-bound 100 % XXXX Veteran that shouldn't be taken advantage of during a crisis in which XXXX, N.C flooded during XXXX! I sent them certified mail asking to explain the money they say I owe and i included the letters of responses from them and a collection agency LVNV FUNDING! Basically telling me that they dont have anything to say to me!
Product: Credit card

XXXX closed XXXX XX/XX/year> It's already closed for a long time ago. Why keep on my XXXX XXXX account?
Product: Credit card

I attempted to close my upgrade credit card but the account is still open. I opened the account in early XXXX and attempted to close it initially at the end of XXXX. I have attempted to close the account a couple more times since then. I have not used the credit card at all in XXXX, there are no transactions.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 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 card

I have two accounts one credit card from ( XXXX  XXXX ) date opened XX/XX/XXXX that i'm unfamiliar with that not mine I send a dispute the bureau said it came back that it was verified and the other account is kickoff ( account number XXXX date opened XX/XX/XXXX. 15 usc 1681i ( a ) ( 6 ) ( B ) ( III ) I requested a description on the dispute how they came about these findings and never received an answer this is a violation of fair credit reporting act this was XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I purchased an electric scooter from XXXX with a loan from Affirm but they sent to me the wrong item which is not in dispute by either party. 

I tried to return the item for a refund or exchange for the product that I actually purchased but was given conflicting, erroneous and misleading information from XXXX and Affirm. Affirm began to make up out of thin air obligations that were not written in the loan agreement such as a 60 day notification window which is not mentioned at all in the agreement. 

In addition one of their own representatives told me that a wrong product delivered should nullify the interest payment but they could not tell me by how much specifically and refused to nullify the interest payment for a product previous return. 

Neither Affirm nor XXXX reached out to me to clarify or resolve this issue despite my multiple complaints. I had also repeatedly asked to go to arbitration as per the agreement which they ignored. I think AFFIRM has violated the Truth in Lending act by not specifying the interest payments and lying about the loan agreement. Documentation is available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute the following inaccurate and incorrect information that is currently being reported on my credit report. I am requesting an investigation and correction of this information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The items I am disputing : these accounts are inaccurate and does not belong to me. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As per the FCRA, you are required to conduct a reasonable investigation into my claim and correct or delete any information found to be inaccurate, incomplete, or unverifiable within XXXX ( XXXX ) days of receiving this notice. Please notify me of the outcome of your investigation and provide me with an updated copy of my credit report. 
Please ensure that this inaccurate information is removed or corrected and that my credit report reflects the changes. I expect your prompt attention to this matter, as the FCRA imposes strict obligations on credit reporting agencies to maintain accurate information. 
Thank you for your time and assistance. I look forward to receiving your confirmation of the investigation and the necessary corrections. 
XXXX XXXX Social Security number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

I have been trying to communicate with then via email and messages to get help due to Covid, my kids being out of school, and my wife working part time, now she's off totally due to health issues being admitted to the hospital XXXX  XXXX. I am not able to call, they won't work through secure messages. I need help getting this resolved, I've paid minimum payments every month still they're giving late fees bc I was late 1 time due to this by 1 day, they won't fix this nor help me with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be aware when receiving a pre-qualification email from this company " XXXX '' ( with no hard credit inquiry ) that once you get thru the pre-qualification information, they sneak in hidden language that they will pull a hard credit inquiry against your credit report. They did this to me and caused my FICO credit score to drop by 9 points immediately. Their interest rate/APR was so much higher than the existing loans I wanted to consolidate that I would have never went with this company or agreed to a hard credit pull. Just be leery when filling out their " pre-qualifying '' form or better yet, don't use them at all if you don't want to see your FICO credit score drop drastically. I am posting this to warn other potential users, as I've already tried to dispute with this " XXXX '' and at first they tried to blame it on XXXX XXXX as they were apparently the company who provided " XXXX '' with my personal information. 

I have attached the initial email from " XXXX '' luring me into this, clearly stating that this will not affect your credit score ...
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report. I learned XXXX and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that XXXX and XXXX is failing to comply with FCRA laws. Transunion is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. XXXX is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding XXXX and transunion to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the XXXX data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.