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

I applied for loan and found out today XX/XX/XXXX my credit was lower than normal and I couldnt apply for the loan. Normally it is around XXXX but is now down to XXXX. 

I pulled an XXXX credit report and showed {$6100.00} in open debts to a medical company I've never used, nor have I ever received a bill or collection notice from. I called them, and confirmed my info, they had my correct social, but not my correct birthday. The lady was nice and said they would put into fraud status due to the birthday being incorrect but I should contact XXXX. 

The total amount in collections is {$6100.00} from XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. My insurance would have covered this in full if it were truly my medical bill as my insurance always cover everything with the amount I have to pay on it. 

I also called the original creditor, XXXX XXXX XXXX, and they had no record of me in their system. 

The contact POC on my Credit Report for the debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am filing a formal complaint against Equifax, as the agency is in clear violation of its obligations under the Fair Credit Reporting Act ( FCRA ). Equifax has refused to investigate unauthorized inquiries on my credit report and has shifted the verification responsibility directly to the creditors, instead of following the legal procedures required. 
Description of Violations and Facts Equifaxs Refusal to Conduct an Investigation of the Disputed Information : On XX/XX/XXXX, I formally submitted a dispute to Equifax requesting the removal of several unauthorized inquiries on my credit report, which appeared without my consent. To date, Equifax has not conducted the necessary investigations to verify the legitimacy of these inquiries. In its latest credit report, dated XX/XX/XXXX, Equifax stated that I should contact the companies responsible for the inquiries directly, rather than assuming the responsibility for verification. 
Failure to Fulfill Investigation Obligations under the FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), stipulates that when a consumer files a dispute, the credit agency must conduct a " reasonable investigation '' into the information in question. This investigation includes the requirement to contact the responsible creditors to obtain adequate verification. By not initiating this investigation and shifting the responsibility to the consumer, Equifax is violating its legal obligations.

Obligation to Delete Unverifiable Information : The FCRA, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires that any disputed information that can not be verified must be promptly removed from the credit report. Equifax has disregarded this mandate by refusing to investigate and verify the legitimacy of the inquiries. 
Disputed Inquiries The unauthorized inquiries I requested to be investigated, which Equifax has chosen to ignore, are as follows : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Request for Intervention I request that the CFPB intervene to ensure that Equifax : Initiates the investigation of these disputed inquiries and contacts the responsible creditors to obtain verification of authorization. 
Removes the inquiries from my credit report if the creditors do not provide the required verification within the 30-day timeframe, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA.

Considers imposing sanctions on Equifax for its continuous negligence in fulfilling its legal obligations. 
I am maintaining a detailed record of all communications related to this matter and am prepared to provide any additional documentation to support this complaint. I appreciate your attention to this matter and trust that you will take the necessary steps to ensure Equifax 's compliance with the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to express my deep dissatisfaction with the service I received today, XX/XX/year>, at XXXX AM, when I called the customer service number XXXX ( XXXX ) XXXX. I spoke with a representative who, after verifying my account information, informed me that my account could not be closed due to a balance of {$0.00}. 

I explained to him that withdrawing {$0.00} from an ATM is not possible, and the nearest branch is XXXX miles away from my residence. As I do not have a car, walking XXXX miles to withdraw such a minimal amount is unreasonable. Despite this, the representative insisted that my only options were to withdraw the money or visit the branch. 

I also mentioned the possibility of transferring the funds via XXXX, a service that is available on my account, but was told this option was not available on my account. Given my concerns about incurring unnecessary fees if my account remains open, I desperately requested alternative solutions. The representative made me wait for XXXX minutes before transferring me to his supervisor. After the lengthy wait, the supervisor echoed the same unhelpful stance and refused to close my account. 

This experience has left me feeling frustrated and undervalued as a customer. It is inconceivable to me that a bank would require a customer to go to such lengths to close an account with a negligible balance. This policy is not only impractical but also fails to consider the customer 's situation and needs. 

I am requesting that Fifth Third Bank closes my account immediately and waives any fees associated with this process. I urge you to review the call recording for verification of the conversation and the poor handling of my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a 30 and 60 days late. This information is inaccurate, as XXXX and XXXX are reporting late in months XXXX 2023 and XXXX 2023 and Equifax is reporting XXXX and XXXX 2023. I have provide the bureaus with a letter of proof from XXXX, advising the tradeline is incorrect but the bureaus refuse to update.
Product: Mortgage

XXXX XXXX received notification from my insurance company that my premium had not been paid. I spoke with Valon Mortgage, and confirmed with them on the phone, the correct mailing address, as provided on the letter from my insurance company. I was assured this matter would be taken care of. 
XX/XX/2023- received a letter from insurance company that the policy was still unpaid. XXXX Called Insurance, and was informed that they had received a check from Valon , however, Valon then proceeded to order a stop pay on the check, and would not honor it. Called Valon, and they assured me it was a mistake, and they would correct the problem. We had a 3 way call with insurance and Valon, where the mailing information and dollar amount were confirmed directly with Valon, while I was still on the line. Valon insisted they would send out a check by mid-week the following week. 
XX/XX/2023 - Found out my homeowners insurance policy was cancelled due to Valon never submitting payment. Spoke with insurance, and they were able to reinstate my policy, unfortunately at a higher cost. I have paid the policy premium, and have requested Valon to respond to this issue, and I will be expecting reimbursement. Not paying insurance, appears to be a common theme with this company based on other XXXX XXXX XXXX  complaints. I firmly believe this company is taking customers money, and fraudulently using the escrow funds, instead of paying what should be paid out of impound accounts. They need to be held accountable. I work in the real estate industry, and what Valon Mortgage is doing, is wrong. They need to be held accountable.
Product: Checking or savings account

Tried to connect to an account already have opened but they can not connect because of something on PNC side
Product: Bank account or service

JP Morgan Chase continues to re-order transactions in their best interest to charge fees to my checking account. There have been several instances over the last 2 years where this has happened. In XXXX my account was charged nearly {$1800.00} in fees and in XXXX it was charged over {$2000.00}. During that time I received reversals of close to {$500.00}. However, that is not enough " good will '' to satisfy my as a consumer. In several instances, I have submitted payments originating from XXXX XXXX to be deducted from my account to coordinate with my Friday bi-weekly payroll. Chase will deny the transaction for insufficient funds when they are clearly available and charge a fee for a returned draft. Then, a few business days later, XXXX will resubmit, Chase will pay and then charge me for insufficient funds. Now, ive been hit for XXXX fees for the same transaction. 

Other transactions, such as XXXX they claim are recurring charges because XXXX " retains my card information '' and over the weekend charges are presented and then charged fees when deducted on Monday for Non-Sufficient Funds. I elect on Chases website to not allow overdraft from debit cards yet have been charged many times for debit card transactions. This is not explained in my cardholder agreement and I have been misled by this bank. Chase has been sued for charging fees before and without an agreeable resolution I will look to an attorney.
Product: Credit card or prepaid card

On XX/XX/2020 I booked a flight to XXXX to take place in XXXX. The total price for the flights was {$2400.00}. When it became clear that this flight was not going to happen I called XXXX XXXX and asked if I could cancel my flight since it had already been rescheduled to a different time which opened up the ability of the ticket to be refunded. The agent on the phone told me that this was fine and to find the hidden area on their website to do this. The website kept changing back to XXXX every time that I went to a new menu and was intentionally difficult to apply for a refund. Desipite this, I applied for a refund for all of the flights that I booked. Months passed and I never received one dollar from them. I then disputed the charge with AMEX in XXXX. They denied my dispute and did not provide a reason why. I then contacted the Department of Transportation. The DOT responded to my inquiry and XXXX  responded to my complaint that they were trying to refund the money but couldnt because of an open dispute. There was no open dispute. Weeks went by with no resolution. I then reopened again XX/XX/XXXX the dispute with AMEX showing them the email proof that XXXX  airlines agreed to refund. I was denied again. I now have no money and no credit and the flight never happened. I am out the full {$2400.00}. Thank you for reading this.
Product: Mortgage

XXXX XXXX XXXX had my loan. They became XXXX XXXX XXXX. All of the customer service numbers no longer work and Nationstar Morgage aka Mr. Cooper seems to be involved but it is impossible to reach then either. Their website is non-functioning.
Product: Credit reporting or other personal consumer reports

I want reported account to be removed .PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX I am filing a complaint against XXXX for failing to properly XXXX my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card reporting on transunion as a charge off and with a balance of {$200.00}, this account is paid with a {$0.00} balance and paid on time. I request that this account be deleted from my report ASAP! I also have inquiries on my transunion report that I did not authorize, XXXX, XXXX XXXX, and XXXX XXXX and I ask that they be removed promptly to reflect correct reporting on my transunion report.
Product: Money transfer, virtual currency, or money service

I was transferring money to a friend via Venmo. I mistakenly selected someone with the same name. During the transaction, a security feature appeared asking for the last four digits of my friends cellphone number. Upon submitting this number, the transaction was complete and the payment went through to the wrong person. Obviously, Venmos security feature does not work. I was at the mercy of a complete stranger to return my funds, which they did. 

The false sense of security Venmo gives is very concerning.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unverified and unauthorized accounts on my report
Product: Debt collection

I called and told them I was on bankruptcy to call my attorney then I called them again to tell them I was discharged and they still wont remove please help there XXXX accounts first XXXX is XXXX subcode XXXX SECOND IS XXXX SUBCODE XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX  ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting

Since falling victim to the XXXX, XXXX XXXX, Experian, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.
Product: Credit card or prepaid card

On XX/XX/XXXX  I checked my Citi Mobile app to see the last statement balance. The remaining amount due for the last statement balance was {$220.00}. I took a screen shot of this. I made the final payment of {$220.00}, which was credited on XX/XX/. 

I looked at my statement today, XX/XX/2023, and it showed that I was charged interest of {$80.00}. I should not have been charged any interest since I paid the previous balance in full. 

I called Citi card and they let me know they will reverse the interest charge. 

This is the 2nd time this has happened, and I feel that it is fraudulent that I have to check my account and call regarding this, since the interest should not have been charged at all.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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. 


TRANSUNION 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX
Product: Prepaid card

I bought the {$500.00} vanilla gift card at XXXX pharmacy on XXXX XXXX, 2024 which i realized the card was used by someone else i didn't authorize. 

I called on vanilla customer service today XXXX XXXX and i was told someone already called on my behalf regarding the issue, they requested me to submit some verification of ownership information to claim my card which i did already and yet to hear from them.
Product: Credit card or prepaid card

Charge for XXXX from XXXX was pending and posted on venemo visa credit card The amount was for a cancelled service that never happened I requested synchrony to refund the charge they have not It is not a valid charge
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 1989, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 Anv other adverse item of intormation. other than records of convIctions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My student loans through fed loan reported a 90 day late, however repayment was not due for another 3 months. I was in my 6-month period after graduation.

Contacted the company and was told via phone there was not payment generated to report. I was sent a correction form. No action was taken. Then a few months after they announced they were closing and selling loan.