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

I am filing this complaint because XXXX and Equifax are inaccurately reporting inconsistent payment histories for my XXXX XXXX and XXXX XXXX accounts. Despite submitting disputes to correct these inaccuracies, the accounts were returned as " verified and accurate, '' which is demonstrably false. This indicates a failure to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

These violations have caused financial harm, emotional distress, and an unfair impact on my creditworthiness. I am requesting corrective action, enforcement of my consumer rights, and monetary compensation for damages caused by these violations. 

Violations of My Consumer Rights 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy in credit reports. XXXX and Equifax failed in this duty by reporting inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
2. Inadequate Dispute Investigation ( 15 U.S.C. 1681i ( a ) ) When I disputed the inaccuracies, XXXX and Equifax returned the accounts as " verified and accurate '' without conducting a reasonable reinvestigation. This violates my rights under 15 U.S.C. 1681i ( a ), which requires CRAs to thoroughly review disputed information.

3. Failure to Delete Unverifiable or Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite their inability to verify the disputed information, XXXX and Equifax have refused to delete it from my credit report. This failure violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of inaccurate or unverifiable information. 
4. Furnishers Violations of Reporting Duties ( 15 U.S.C. 1681s-2 ( b ) ) XXXX XXXX and XXXX XXXX XXXX XXXX conduct a proper investigation and provide accurate and consistent data to XXXX and Equifax after being notified of my disputes. This violates 15 U.S.C. 1681s-2 ( b ), which imposes a duty on furnishers to investigate disputes forwarded by CRAs.

I am providing the following documentation to substantiate my claims : Credit Reports : Copies of my XXXX and Equifax credit reports showing inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
Account Statements : Payment records from XXXX XXXX and XXXX XXXX demonstrating the accurate payment history. 
Dispute Records : Documentation of my prior disputes with XXXX and Equifax, including their responses verifying the accounts as " accurate. ''
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. XXXX is missing my positive payment history from 2 seperate accounts and needs to be updated immediately so that it is reflecting on my reports appropriately and accurate. This missing reporting history has caused my credit to be reflected in a negative way. 

Account XXXX XXXX is missing positive payment history from Experian as a whole and XXXX XXXX XXXX XXXX XXXX XXXX 

Account # XXXX is missing positive payment history from 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 

Please update these immediately so that it is reporting correctly as is should and following the laws of the FCRA precisely. 

I have already reached out to XXXX suppourt team and the ticket number is XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect late payments on the account listed as XXXX XXXX XXXX  for the month of XXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit.

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX for free annual credit check today which is oX/XX/2018 about XXXX. I got to review all the reports from all three which is XXXX, XXXX, and transunion. Now the transunion was asking for my credit card number so I gave them my debit card assuming it 's to prove who I am before they give me my information. They charged me {$19.00} twice which is a total of {$39.00} today. I thought this annual report is for free? Why are they charging me? They later email me a number to call but, nobody is there to answer your call.
Product: Student loan

XX/XX/XXXX made an extra payment to be applied to my principal balance. 

XX/XX/XXXX checked my account- part of payment was used to pay off interest and the rest was applied toward principal. My account showed my next payment lower than my normal amount. called and asked why this happened after I selected the setting for the payment to go directly to loan amount and not my next payment. They advised me they would fix it no problems. 

XX/XX/XXXX received an email saying my payment would be returned. checked my account the payment showed in their system as they had received it and checked my bank account and it showed they had taken the money from my account. my next payment still showed the same amount as yesterday. called and they said disregard the email and to give it another day or 2 for the account dashboard to show the proper information. 

XX/XX/XXXX - Dashboard still showed the same amount and the transaction log showed multiple instances of returned funds and then applied payments. My payment for the following month still showed a lower amount than what I normally pay ( the difference was the extra payment I asked to be applied on XX/XX/XXXX ). Called and asked why hasnt the changed applied was put on hold for around 15 min. When they came back to the phone they said they had fixed it. My next payment was the same amount as always but then when asked why did my principal balance not go down they could not give me a straight answer. Once this fix had gone through I noticed my minimum payment was raised to XXXX. The difference was the same amount as my extra payment. When I asked about this they had no idea what I was talking about and made it seem as if I was making this number up. It seems as if they raised my minimum amount just to make sure that the amount due next month was the same after my extra payment. They also informed me all extra payments go first to paying off outstanding interest and then applied to the principal. When asked again why i never saw my principal drop at all after these payments they said you have interest accrued. I asked why these didnt show up on the transaction history to verify the amount on the principal loan balance is correct I was answered with silence. 

Screenshots of everything that occurred on XX/XX/XXXX are available.
Product: Debt collection

I called Porfolio Recovery Associates twice today to stop calling me and harassing my family. The person ( s ) name given who they were looking for was close to mine but not me. It 's happened before and I have had to go after those debt collectors for mistaking me as the person they are looking for and then harassing me even after I have proven I am not the person they are looking for. 
This company has been calling my number under a variety of caller id 's and different numbers. I have traced back to them for some time. They ring my home all hours. Today was the last straw as I have previously requested they stop calling me. I called in the XXXX today just after XXXX and requested they stop calling. They wanted to know if I was XXXX XXXX or XXXX other names of which none were. 
I told them I am familiar with their poor practices as they bought this XXXX debt for cents on the dollar just like the last company unless they are all the same just renaming themselves. The same company that called two decades ago started calling all over again and I had to file on them again. My name and number keeps getting sold to sleazebags like this who say will remove me from their list but they just sell it. 
I have had to go after XXXX for falsely accusing me as some XXXX woman they claimed was at my number but never was. 
25 years ago I took over this phone number from a male, who had it for a decade prior. He had no female associates or wives. 
I called PRA and I requested this afternoon to speak to their litigation department. I politely requested to have their mailing address and to record them but after 10 requests their attorney of representation would not give it to me. I gave her my phone number which she stated was NOT in their records.They have harassed me yet they CA N'T give me their mailing address so that I can send them a cease and desist letter??? That 's harassment also. 
I use a voice recording and call service that logs ALL calls including hangups. Several of the numbers will say PortfRecovery, or Account Services so I call them and ask them to stop calling. 

A couple of decades ago we started getting these calls. I helped the first firm ( I have the letter in a safety deposit box which I can provide if needed ) who were not to be dissuaded at first that they were close in name but it was not me nor my ss #. I wrote them a letter which I still have requesting they remove my information tied to that debt. 
PRA is now harassing me all over again. I have a spotless credit record. I am not the party they are looking for and I have requested they STOP calling me XXXX, even if it 's a different number they use, it 's the same company. I have logged their calls. 
I want no further contact by the business and that they destroy any reference to persons they associate with my number. And if they have a debt, it 's not mine as my stellar credit will attest to. They must destroy and never sell my information, address, telephone or any names they have associated with it to their subsidiaries, or sell off to.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian Legal Department, I am writing to formally dispute inaccurate information currently reported on my credit report, which I believe is negatively impacting my financial well-being. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and respectfully request a thorough investigation into these inaccuracies, in full compliance with federal law. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outline by the CFB are below and highlights serious concerns, including : Conducting Inadequate investigations that fail to properly address consumer disputes ; The re-insertion of previously disputed and inaccurate information without proper explanation ; Failure to effectively per federal law to notify consumers regarding the results of investigations.

These allegations and practices, as outlined by the CFPB, raise significant concerns regarding systemic issues that directly undermine consumer protections and may result in the continued reporting of inaccurate information. I am particularly concerned that my dispute may be handled in a similar manner. 
Please review all of the following negative and inaccurate information being reported on my credit file : Personal Information : Inaccurate Information Late Payments : Inaccurate information Charge Offs : Inaccurate, Information Collections : Inaccurate information Under the FCRA, I request that you : Conduct a proper and thorough investigation into my dispute ; Provide a clear and comprehensible explanation of the results of your investigation ; Share any and all documentation or evidence relied upon if the disputed information is verified as accurate ; Ensure the timely correction or removal of any inaccurate or unverifiable information from my credit report. Should your investigation determine that the information can not be verified or is inaccurate, I request the immediate removal or correction of the disputed items. 
Additionally, I request written confirmation of the actions taken in response to this dispute. Should this matter not be resolved satisfactorily, I reserve the right to escalate my complaint to the CFPB and other relevant authorities. 
Thank you for your prompt attention to this matter. I look forward to your response within the XXXX timeframe required by law.
Product: Credit card or prepaid card

XXXX XXXX fraudulently charge my Chase Credit Card of Erroneous amount of {$310.00} for NO evidence of the weight of luggage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no purpose for these credit reporting companies to continue carrying information from old accounts on a credit report. It is done as punishment to keep credit scores low, although an account is paid in full and closed. They want people to buy their " products '' that will raise scores. It should be illegal for credit reporting companies to keep anything on a person 's report after an account is paid and closed. Maintaining something on a report for XXXX years is ridiculous. If you want to believe XXXX sayings about debt after XXXX years, go ahead but do not force the rest of us to live by it. Also, the credit scores fluctuate a tremendous amount for the smallest amount of activity on credit cards. Credit reporting agencies are a major reason for why people stay poor and are forced to pay higher interest rates. It is all so a corrupt and our government allows this to happen.
Product: Mortgage

Hello, I applied for a refinance loan with Wells Fargo and was charged {$690.00} on XXXX XX/XX/2021 for appraisal. The appraisal was performed on XXXX XX/XX/2021. However, the appraisal did not take into account the new XXXX ( granny unit ) and any of the improvements to the house. My property was improved by more than 80 % and the appraisal value from Wells Fargo 's appraisal was the same as a 2-year old appraisal. In the last 2 years, my house taxes have almost doubled due to this improvement. The appraiser did not seem to be an independent appraiser. She didn't give me her card and wouldn't respond to my texts after the appraisal completed. By law, I should be able to appeal this appraisal. I have contacted my Loan Officer ( contact information below ) to appeal this appraisal for the last 7 weeks and even though he agreed that the appraisal was incomplete and he promised me, via email, multiple times that he is going to send me the appeal documents so I can appeal, he never did. He said he will credit me during the loan closing. However, due to the fact that they have taken more than 90 days to process my loan, I have already applied to another bank and will hope to close with them. I would like Wells Fargo to refund my {$690.00} since they refused to provide me appeal documents. 

Please see attached a few of my emails requesting this appeal and Wells Fargo 's response. 

XXXX XXXX Mortgage Consultant NMLSR ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Cell XXXX | Fax XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bank with XXXXXXXX XXXX XXXX XXXX XXXX, TX. I use their online bill payer service to pay monthly bills. On XX/XX/XXXX I scheduled a payment of {$17000.00} to be paid to XXXXXXXX XXXX XXXX XXXX XXXXXXXX credit card bill, to arrive by XX/XX/XXXX. On XX/XX/XXXX, my bank activity showed that the payment had been made, but the money was not taken out of my account. I assumed the payment was made electronically as both XXXX and XXXX are large banks, and would have the ability to perform XXXX transfers. I called XXXX and was told that this payment was made by a paper draft check sent via XXXX, not electronically. I asked how the determination is made as to electronic payment vs. paper check. and I was told that a third party, a company called XXXX, which provides the bill payer service makes that determination. I explained that as a consumer, I need to know which form of payment will be used, so I can avoid late fees and interest charges. XXXX said XXXX will not tell them the determining factors for that decision. I obtained a phone number for the Consumer affairs at XXXX and called them and they refused to tell me how that decision is made.
Product: Credit reporting or other personal consumer reports

Two Vystar Credit Union Accounts were hacked by a person who had stolen my tablet giving the predator the ability to access my accounts by causing the account to overdraft and then using fraudulent checks to obtain fraudulent transaction. 

This is the last time I am going to report this fraud and lack of accountability for the theft against my account and my credit report.

I have sent Police Department Reports and filed multiple reports with the FTC.

This is a violation of the law and the fact that they are not responsible individuals whose actions have shown they are morally wrong to do anything harmful to their customers.

This violates the law of the FCRA 605 B
Product: Credit card

A fraudulent charge of {$400.00} was posted to my credit card account on XX/XX/year> for a travel purchase neither myself nor my authorized cardholders madeXXXX XXXX I informed the credit card company immediately and opened a dispute for the transaction, and they issued a credit for {$400.00} and promptly cancelled the card number that was used for this fraudulent transaction, card ending in XXXXXXXX XXXX On XX/XX/XXXX, the charge of {$400.00} was REBILLED to my credit card account because the merchant provided documentation related to the transaction. XXXX Each page ( Pages 1-7 ) of the documentation provided by the merchant is attached to this complaint.XXXX Additionally, my credit card company included a letter explaining the merchant documentation as the reason they have closed the dispute and rebilled my account.<br> I have signed the statement on the letter confirming and attesting that this transaction was not made or authorized by me or my authorized cardholders and faxed the signed copy back to my credit card companyXXXX Furthermore, on page 2 of the merchant documentation, the email address " XXXX '' is not my email and the billing address is not provided and only a 5-digit zipcode is providedXXXX  The customer names provided on the reservation ( page 6 ) of the merchant documentation is not my name or any person ( s ) I know.<br> Finally, the contact info under my name on page XXXX is not my phone number or my email.XXXXI have NEVER conducted business with XXXX XXXX XXXX at XXXX XXXX XXXX All of this is supporting evidence that my credit card account was used fraudulently.<br> I believe that the merchant 's only recourse is to contact XXXX and ultimately, FareHarbor.com is responsible for allowing the fraudulent online booking to go through.
Product: Payday loan, title loan, or personal loan

I made a Loan with Affirm through XXXX for the purchase of a XXXX XXXX. XXXX did a manufacturer Recall of the item & gave us the option for a 100 % refund upon returning the XXXX. The XXXX was returned XX/XX/2021. XXXX gave Affirm the approval to release/refund our loan as they have credited Affirm for our return. I have since been told by Affirm since XX/XX/XXXX that our refund check in the amount of XXXX was mailed to us. We have confirmed the correct address. I have made numerous attempts to find out where the refund check is since we have still not received. My attorney has sent them a demand letter, we have received no response. We are owed XXXX for two months now. At first, we got several responses telling us to wait 16 days. 16 days has come & gone several times. Now they do not respond to our inquiries at all. It is impossible to reach a representative that can tell me anything about my loan/refund check. All calls have to be escalated through an email, there is no phone communication with the resolutions dept. It is very frustrating as I was depending on this refund & it is my rightfully owed money as the product is no longer in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries on my credit report JPMCB Auto Finance XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected with identity theft that cause me not to have credit or have bad credit due to incorrect information an reporting deceased illegally Equifax illegally allowing debt collector report false information on my report shouldn't be allowed to do cause my credit score to drop down XXXX points for they mistake nobody couldn't provide any information about my date of birth is XXXX I was effected with identity theft an it everything reported on my report should be removed off my report due to this problem I never have a open account they can't provide successful evidence anyone could use my name to get access to good no should anything should been approved with 2 form identity card an social security an proff of address fraudulent activity everything should be removed off my report
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. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.