23daVinci/CFPB_Complaints huggingface dataset:
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 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 mark as inaccurate, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from XXXX XXXX. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit.

One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Transunion stated that the account XXXX XXXX XXXX XXXX XXXX  was updated, but there was nothing updated. I asked for the late payment to be removed on XX/XX/XXXX so why haven't I received validation that the account was late or why hasn't it been removed? If you can not furnish the actual bank statement to show that I was late in XXXX then please remove this from my credit report or I will proceed with legal action. I do know that violations of the FCRA can be taken to small claims court and consumers are liable for {$1000.00} per violation.
Product: Credit card

I XXXX XXXX XXXX sent out a request to extend a line a credit with SAID company JP MORGAN CHASE AND COMPANY / JP MORGAN CHASE FINANCIAL COMPANY LLC and I believe there is a misunderstanding of my right and laws according to the Truth & Lending Act, FTC and SEC XXXX I exercised my right to initiate the consumer credit transaction with SAID company JP MORGAN CHASE AND COMPANY / JP MORGAN CHASE FINANCIAL COMPANY LLC PNC BANK according to 15USC-1602 in which I granted said corporation JP MORGAN CHASE & COMPANY , PNC BANK and was denied because of a lack of identification in which ive reached out to rectify on several attempts. I've also filed fisputes with no response. I am well aware of my rights as a consumer and in fact the denial of my right by JP MORGAN CHASE & COMPANY PNC BANK /THE PNC FINANCIAL SERVICES GROUP INC Denial to extend credit has caused mental and financial distress.There are no federal laws that state a credit score can deny me of my rights to extend credit.Discrimination against an applicant and a credit transaction is a against law 15 USC 15USC-1691 I demand your company reconsiders this matter and comprise with federal law. Please open the accounts in which I've extended credit and correct any adverse action taken on my credit report .I take my consumer report and credit matter very seriously and I hope this matter can be resolved promptly. In care of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President and Chief Financial Officer, XXXX XXXX XXXX XXXX Vice President and Controller ( Principal Accounting Officer Directors : 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 Failure to address this properly may lead to further legal actions .Thank you for your immediate actions to this matter .I expect a timely response and resolution
Product: Credit reporting or other personal consumer reports

On XX/XX/ they have stole my identity. I have uploaded a court document. They also said they verify this information by the court.
Product: Debt collection

Dont have a accounts but posted from XXXX and XXXX that I owe medical debt when I have not visited a hospital in a long time someone must of stole social security number which was going around in emails and fake text messages about social security XXXX I dont know but collections keep calling when I dont owe anyone anything I disputed it so many times and from XXXX also which someone used my name and social for XXXX and a random XXXX XXXX account they took it off when I dispute then put it back on then take it off and keeps calling me harassing me about it
Product: Credit card

I had words with Sams Club and they gave me my money back for the membership card. Months later I received in the mail a membership/ credit card in the mail. Never used it or went to Sams. Two months ago I received a bill for {$330.00} made in California. I called them and told them this was a mistake. I wrote to them and told them it was a mistake. Now they are calling me on the phone wanting money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a XXXX. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, Transunion, XXXX that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Verification and Removal of Late Payment Entries Dear Sir/Madam/To Whom It May Concern, I am writing to formally request the verification of the late payment entries posted on my credit report by XXXX. According to my records, there have been several instances of late payments reported on my account.

Under the provisions of the 15 U.S. Code 1666b and 15 U.S. Code 1637, I request that XXXX provide detailed tracking numbers for each instance where a late payment was reported. Specifically, I need documentation proving that each periodic statement was mailed or delivered to me at least 21 days before the payment due date. This request includes the following information for each late payment entry : The date the statements were mailed or delivered. 
The tracking numbers for the statements Proof of delivery confirming the statements were received at my address Procedures XXXX has in place to ensure compliance with the 21-day rule before reporting late payments. 
If XXXX is unable to provide this documentation for any of the reported late payments, I request the immediate removal of those entries from my credit report with each credit bureau ( XXXX, TransUnion, and XXXX ) as they would constitute a violation of the relevant statutes. 
Please treat this matter with the urgency it deserves and provide the requested within 30 days of receipt of this letter. Failure to comply with this request will leave me no option but to pursue legal remedies for violators of the Fair Credit Billing Act and the Truth in Lending Act. 
I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an account on my transunion credit report. Account was paid, creditor, and doctors office agreed to delete the account once paid. Paid and receipt was provided. Get this account OFF of my report!
Product: Mortgage

On XXXX XXXX, 2017 XXXX XXXX of First Direct Lending ran my credit report without asking for my permission. 
XXXX XXXX PA XXXX XXXX Phone : XXXX Fax : XXXX XXXX XXXX Loan Consultant | XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX | Fax : ( XXXX ) XXXX NMLS # XXXX # # # # # # # # # # # # To First Direct Lending. 
Please be advised you and First Direct Lending ran my credit report without my permission nor knowledge. 
You asked for my SS number and personal information without asking for explicit permission. 
It was only after I asked you if you ran my credit you admitted doing so. 
You and First Direct Lending will be reported and prosecution will ensue. 
Please understand and read this email that is very clear I know my rights under the Fair Credit Reporting Act.
Product: Checking or savings account

In mid XXXX I saw an ad for a human dog bed on XXXX ad on XXXX. I ordered it and got an email from XXXX about my order. This is a documented spam email so I did not open it. I found out the XXXX ad was fake and contacted my friend at XXXX who flagged the page and said they had successfully removed it. Then I contacted my bank told them I was very worried about this charge and to close out the debit card and send out a new one. I thought for sure this would stop the charge. I filed a fraud report and the bank gave me a provisional fee for XXXX. 3 months later the Key Bank reversed the provisional fee and told me to contact the merchant. There is no merchant it is a scam however I looked back at my account and a company called XXXX took my money. I tried talking to the fraud department again and they said that I should talk to the merchant and I explained I never bought anything from this company and that the scammer changes company names. After speaking with the fraud department unsuccessfully I called my bank where I live and the lady told me we don't give back money for fun. I feel completely scammed and not protected by my bank nor provided proper customer service. I think Key Bank is complicit with wire fraud.
Product: Checking or savings account

My card was stolen at the gym they took my phone and all my information was in there including my pin to my card and social security number it was taken on XX/XX/XXXX and was used for 2 days {$2800.00} was taken out of my account I filed a claim with the bank they denied it I dont think everything was investigated correctly they should check the atm cameras I never disclosed my pin to anyone at all
Product: Credit card

Hello team, I would need your help removing a credit inquiry done by Citi on my XXXX report without my consent. 

On XXXX XXXX, I had requested for a credit limit increase in Citi website and I clearly remember it DID NOT mention anything about pulling a credit report. As soon as I entered my annual income details with expected credit limit and submitted the initial form, I just got a message that decision will be mailed to me later. 

The next day, on XXXX XXXX, I received an E-letter in my Citi account as : " We ca n't approve your request because you currently have the maximum amount of credit we allow without your consent to obtain and review your updated credit report '' This clearly indicated that it needs my consent further to get the credit limit increase along with a credit report pull. Since I did n't want a hard inquiry, I did n't take any action. But Citi sent me another E-letter on XXXX XXXX as : " We 're unable to approve your request because your credit limit is at the maximum amount our policy allows relative to the total income you provided. " In any of the requests which I submitted, I NEVER gave my consent to have a hard inquiry on my credit report. Even the letters which they sent me just mentions about not able to approve the increase because of the income. However I noticed a HARD INQUIRY on my XXXX report from Citi on XXXX XXXX. 

It is very clear that, I DIDNT GIVE MY CONSENT for this hard inquiry. I brought this to attention of Citi customer service immediately and have been following up with them from XXXX XXXX week, but without any successful outcome. Even after contacting them over call, fax, and over website several times, they are reluctant to agree that inquiry was done by mistake. 

I have requested for credit limit increases in the past ( I just had requested one for the same card in XXXX 2014 ) with a hard inquiry and am aware of how the prompts for hard inquiries will be. 

Further, it does n't make sense that they declined my request ONLY BECAUSE my current limit was already maxed for my annual income, which did n't need the credit report at all. 


I would like to escalate this now. Since it is done in error from Citi, I would expect their credit department to get it removed from my credit report. Please let me know if you need any further details. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was on forbearance with XXXX XXXX my loan is actually a XXXX XXXX. I took myself off forbearance because I got a new job and was happy to start paying my mortgage again. This was in XX/XX/2021. XXXX put me on a " trial '' modification for XXXX, XXXX, XX/XX/2021. I paid XXXX, XXXX, but mid XXXX I was exposed to a positive case of XXXX at my new place of work. I got tested and was positive within days I was ill and had to quarantine. It turned into pnemonia which extended my recovery. Because I am a brand new employee with no sick time accrued and the sick pay protections expired ..... I had no income at all and could not pay the full amount of my {$1400.00} last trial payment for XX/XX/2021. 

So I sent a check on XX/XX/XXXX for {$800.00} with a hardship letter stating I was going to pay the rest XX/XX/XXXX. I received no response. I called and was told to turn in a new Borrowers Assistance Application. I certified mailed it. On XX/XX/XXXX I received a letter of deafult and demand to pay 28k by XX/XX/XXXX. 

I reached out to HUD and applied for the CALIFORNIA MORTGAGE RELIEF grant. I am 100 % qualified and meet all the criteria. My application is stuck on hold because XXXX will not provide me with my current mortgage statement. They have been extremely unprofessional, unorganized and have told me I had nothing to worry about but when I call and speak to someone else they tell me no assistance for me is available and headed for foreclosure. Its been the most stressful situation in my life as a single mom. 

To make things more difficult XXXX has been purchased by Freedom Mortgage. The Cal Grant needs my information so they can apply the grant funds to my default past due amount. XXXX is refusing to provide that as well. I called Freedom Mortgage and they said they have no record of my loan whatsoever. 

I dont know what to do? There is a wonderful grant waiting to help me out but the red tape is blocking it from happening and the days are slipping by. 

Can someone please help me get to the bottom of this? I have a little boy I am responsible for and no family near by to help.
Product: Credit card

Re Bank of America visa card-XXXX XXXX XXXX 
Statement closing date XX/XX/XXXX. 
Payment due date XX/XX/XXXX. 
New balance total {$3000.00}. 

Payment of {$3000.00} was made, however 1 day late, online, XX/XX/XXXX, XXXX XXXX 

XX/XX/XXXX statement showed {$70.00} interest charged. 
Interest rate is 25.24 % per annum variable ( XX/XX/XXXX bill ) ; 25.49 % interest rate posted on XX/XX/XXXX bill. 

There was no prior balance, nothing carried over. Since XXXX I have been paying in full every month. 

XXXX points : ( 1 ) It is an outrageous abuse, XXXX, to charge MORE than a whole month 's interest for being 1 day late. The interest should be PRORATED. 

( 2 ) {$3000.00} x 25.24 % ( XX/XX/XXXX bill ) = {$770.00} for 1 year divided by XXXX = XXXX for 1 month interest. 

{$3000.00} x 25.49 % ( XX/XX/XXXX bill ) = {$780.00} for 1 year divided by 12 = {$65.00} for 1 month interest. 

No matter how you do the math, even ripping me off for a whole month 's interest, I was charged {$70.00}. XX/XX/XXXX of annual interest would be either {$64.00} or {$65.00} depending on the rate. I was charged MORE than a whole month! OVERCHARGED! Because I was 1 day late. 

This happened to me a few years ago. However, if this is happening to me, it is happening to a lot of people. This is an abuse and INTEREST SHOULD BE PRORATED - BY THE DAY. 

In this environment of low interest rates, charging me 25 % is outrageous. My credit score is over XXXX. 

Thank you for the good work you do. 


[ Note : No fees were charged because I arranged for the minimum payment to be automatically made every month. ]
Product: Debt collection

Portfolio Recovery Associates LLC has called me several times daily though out the years!!! I have asked them to stop on several occasions and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information with Equifax several times. They are not investigating these as required by law nor are they even putting them in dispute. i have received nothing from them proving anything. I am requesting your help to get these errors removed from my consumer report. This is a violation of my FCRA rights and privacy. Thank you for your assistance and dedication in helping me.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX transactions, one in the amount of {$400.00} and one in the amount of {$300.00} was sent without my authorization from an unknown individual to himself from my bank account who approached me at my place of work and used my phone. I immediately called Chase customer service, my financial institution, to report and stop payment. The Chase representative informed me that the payment did not go through, and not to worry. A few hours later, the payments were still showing pending. I called Chase again and they locked my account at that time and opened a fraud investigation claim. I contacted the police department and an officer came out to open a police report. They reviewed the available camera footage, and confirmed the theft. On XX/XX/year>, I was notified by Chase that they denied my claim and refused to reimburse my {$700.00} of stolen funds, despite the bank having a XXXX Fraud Liability claim. I called to dispute, and escalated to a supervisor, who advised there were no further details but that the claim was denied and the decision stands. When I questioned why during the initial call to report the incident, the representative said it didn't go through, and why that customer service representative did not immediately freeze the high school checking account to prevent further fraud, the supervisor had no explanation. They were unwilling to help out further or take the police report information. Chase advised to contact XXXX and provided a phone number. XXXX advised to contact the financial institution linked to the XXXX account. There has been no solution or help with this. There is an email, phone number and name associated with the XXXX number the criminal used to send himself the unauthorized money, and yet no one is penalizing the individual. XXXX is only refusing to reimburse me as the client, despite their claim of XXXX Fraud Liability and the fact the Chase representative said the payment did not go through when it did.
Product: Debt collection

Attempted to validate the debt in the amount of {$820.00} listed on credit report through company by providing a debt validation letter, advised contact need to be directed to facility whom reported the debt.
Product: Bank account or service

Hello, i m living in XXXX and i opened a well s fargo bank account few years ago. i have a credit card, online access and my account is always on a positive balance. i decided last month to clsed that account and get back my money. wells fargo send me a closed form. i filled it in XXXX with notary public signed and XXXX. i send back the from and when i called the wells fargo for an update they stated that a foreign client must come in person in USA to close the account. i ca n't go to usa for now. i need please your help
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 4 months i have been disputing a collection on my consumer report XXXX XXXX  they repeatedly say it is under investigation an investigation only take 30 days or they must remove the debt by law. I have sent them multiple letters showing proof that the collector said they removed the debt. They will remove and put the collection back on my report days later. I do not owe them the debt. pursuant to 15 usc 1681i ( a ) ( 5 ) ( B ) any information deleted from a consumer report may not be reinserted back on to the report and in a previous CFPB report case number XXXX they said they deleted the collections i have call and ask them to remove the collection from my report and they refuse to remove the account this makes them civilly liable after i have already show the proof that i do not owe the debt and they said they deleted it. I will not wait 30 more days for a false investigation that i have already showed that the debt was not mines and that they already broke multiple violations remove the account immediately. this derogatory is harming me from using my credit it not suppose to be on my consumer report. It is not accurate or fair to me pursuant to 15 usc 1681 ( b ) this inaccurate information is making think about litigation for the stress they have caused me. This is not an error
Product: Debt collection

I have sent all three credit bureaus XXXX level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX