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

I am writing to express my deep frustration and dissatisfaction with the handling of my credit report disputes by the major credit bureaus : Equifax, XXXX, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit reports, I have encountered significant obstacles and inadequate responses from each of these bureaus, which has left me feeling utterly exasperated. 

Equifax : Non-Responsive Behavior Equifax has failed to respond to my disputes altogether. I have submitted multiple dispute letters, providing detailed explanations and supporting evidence to demonstrate the inaccuracies in my report. Despite my efforts, Equifax has not acknowledged or addressed my concerns. This complete lack of response is not only unprofessional but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX : Bogus Stall Letters XXXX has been sending me generic stall letters that do not address the specific issues I have raised. These stall letters claim that my disputes require additional time for investigation, yet they provide no substantive information or progress updates. It is evident that XXXX is attempting to delay the resolution of my disputes without conducting a proper investigation, which is unacceptable and in direct violation of the FCRA. 

XXXX : Disputing the Legitimacy of My Disputes XXXX has sent me emails questioning the legitimacy of my disputes, suggesting that they do not believe the disputes were initiated by me. This is particularly frustrating, as I have provided all necessary documentation and identification to verify my identity. XXXX 's refusal to acknowledge and investigate my disputes is a clear violation of my consumer rights and further exacerbates my distress. 

Impact on My Financial Well-being The lack of responsiveness and inadequate handling of my disputes by Equifax, XXXX, and XXXX has had a significant negative impact on my financial well-being. The inaccuracies on my credit reports have led to unfair denials of credit, higher interest rates, and damage to my credit score. I am now at a point where I feel helpless and overwhelmed by the actions of these credit bureaus. 







Request for CFPB Intervention I urgently request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to hold Equifax, XXXX, and XXXX accountable for their non-compliance with the FCRA. I am seeking immediate and thorough investigations into my disputes, as well as appropriate penalties for the credit bureaus ' failure to fulfill their legal obligations. 

I am deeply frustrated by the current situation and implore the CFPB to take swift action to ensure that my disputes are addressed fairly and promptly. I believe that the CFPB 's involvement is crucial to rectifying these issues and protecting my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXX  Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy, fairness and accuracy.

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 Wakefield is reporting inaccurate information to my credit report which I have given several opportunities to validate. They are also reporting XXXX different balances on both Credit Bureaus. See photo attached
Product: Checking or savings account

I used the snap deposit with my bank BMO. I deposited a check from my employer " XXXX XXXX XXXX, XXXX ''. The check amount is {$2400.00}. After BMO stated my check was accepted, now they are freezing my account and stating the check is fraudulant. I was handed this check personally by the account manager of XXXX XXXX XXXX. Our our department of Security Dispatchers recently transitioned to a new company called XXXX XXXX XXXX, so this check from XXXX XXXX is considered the final check from the company which inclused worked hours, overtime hours worked, and unused vacation time. I have spoken to several people within BMO and now they have resorted to hanging up on me. I also want to share that I will be filing a lawsuit with small claims against the bank as well. They have no right to freeze my assests when regarding a company they and I are very familiar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

SST/XXXX has not updated my credit report to reference that this account is paid and closed.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX I was made aware of a collections added to my credit report. The amount due is {$96.00} and the company was ARS. I wasn't made aware of this debt until it popped up on my credit report.
Product: Debt collection

Someone has used my identity to get 2 loans from XXXX as well as an apartment in my name that shows on my credit report that I've never did myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern around XX/XX/2022 I have recently sent letters to all three credit bureaus about a XXXX on my credit report, I have gotten proof from the Illinois courts stating that they do not give, sale, furnish or verify court documents to any credit bureau, or consumer reporting agencies. The letters I sent with proof stating such, is accurate proof from the United States Court all three credit bureau, blaming XXXX  for their source of verification, XXXX XXXX said the verification is from pacer which are all reporting agencies. they all are defaming my name and my character and would like to have this XXXX removed immediately. Thank you. Best regards.
Product: Credit card

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX charged a {$29.00} late fee and interest of {$15.00} at a rate of XXXX XXXX. They were willing to refund the {$15.00} interest charged, which we havent actually seen yet, but refused to refund the {$29.00} or even reduce it to the {$8.00} new law. 

We were only XXXX day late in making our payment and we always pay our balance in full every month! When we asked for a courtesy XXXX time waiver, we were denied because XXXX stated we had asked for XXXX in XX/XX/XXXX, even though we explained that was the previous year ( XXXX ), and always during our busy time- XXXX through XXXX. We also tried explaining that credit card bureaus and companies usually run XXXX through XXXX. Additionally, we squawked about the {$29.00} late fee, and mentioned that the new law stated it could only be a maximum of {$8.00}, but were told by XXXX that they were giving it to new customers, but to older account customers- like us- it hasnt been put into effect yet. XXXX also stated that they ( referencing herself and her cohorts ) were given the Option to do this ; that the system would not allow her to do this for us, and it did not explain why, yet she would not XXXX us the XXXX wavered late fee of {$29.00} or at the new law established rate of {$8.00}. 

We were denied a XXXX time late fee waiver, and/or a reduction to a maximum of an {$8.00} late fee, so we are being charged a {$29.00} late fee. Lastly, we asked her to explain where it states that their annual year runs from late fee to late fee waiver versus a XXXX through XXXX calendar year, but she would not elaborate. We also asked to talk to a supervisor, whose name was XXXX and he was as rigid as XXXX! 



XXXX XXXX Account ending XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage asked for 60 additional days to respond on XX/XX/XXXX. I would like for XXXX XXXX President and XXXX XXXX Senior Vice President to get involved with resolving this problem. There is no need for delay when XXXX XXXX has been aware of and acknowledged receiving everyone of these complaints since before XX/XX/XXXX. 7 or more months and 7 complaints later more time is needed to do the right thing? Is that to make the CFPB think she is involved in this process? While XXXX XXXX is acknowledging receipt she has not provided a solution to resolve not a word for resolution? XXXX XXXX says we're here to help when she has allowed my home to be foreclosed on. XXXX XXXX says if you have questions, wer 're here to help, wer 're available to assist you? You can reach us at XXXX? This is the call center and I have NEVER been able to talk to XXXX XXXX. Call the call center but you can not call XXXX XXXX there is no access to XXXX XXXX or XXXX XXXX. They need to know their call center thinks this is laughable? What is funny or comical about someone losing their home of 15 years do to your mistakes? 

Since XXXX XXXX has been aware of this problem as I have been reaching out to XXXX XXXX since before XX/XX/XXXX help? The call center only has the authority to pass paper back and forth and stall for time, in this case as you are aware of at least 7 months or more with no action on your part. Please step in and take care of this wrong doing by your company to myself and so many others?
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. Synchrony/ XXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped XXXX points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.
Product: Mortgage

On XX/XX/XXXX I went online to pay my monthly mortgage payment which is just principle and interest ( no escrow/impound account ). I was in shock to find the minimum payment amount was $ 4,000.00+. I called customer service and they told me I had an escrow advance for taxes. I told him that I don't have an escrow account. I told him I need to see some sort of statement and receipt but for now I'd like to pay my monthly payment. He processed it over the phone. Then XX/XX/XXXX I went online and was concerned when I saw an escrow advance every month starting in XX/XX/XXXX. In different amounts some the same amounts but they totaled to $ 50,000.00+.  At the same time I also noticed that my XX/XX/XXXX payment was not processed as my monthly principle and interest payment. Instead it was called a principle curtailment. I immediately called and told them that the payment transaction was wrong and I was told it was corrected. That following Monday XX/XX/XXXX I went online and it wasn't corrected but reversed in its entirety. They are a bunch cons trying to force me into foreclosure.
Product: Checking or savings account

Around XX/XX/2022, a check I had written was processed earlier than I expected, and I incurred a {$35.00} overdraft charge. While I think this is excessive, I understand it was my fault. Knowing the check cleared early, I transferred funds to cover, since I had also written 2 {$10.00} checks that needed to be covered. The bank processed the {$120.00} check first, which overdrew the account, then processed two {$10.00} checks, which further overdrew the account, resulting in two additional {$35.00} overdraft charges. When I checked with the bank, they essentially said, tough, my problem, and wouldn't budge. Been a customer for years, using a variety of their products. When I asked about their order of processing checks, they refused to answer. While I acknowledge the first OD charge, the last two are outrageous and unfair.
Product: Mortgage

I am a service connected XXXX veteran at XXXX XXXX. I have a VA loan at 2.6 % I asked XXXX XXXX  XXXX for a cash out Refi and then refused the deal because it was a bad deal. I applied for co-vid forbearance prior to this and it was paid in full but asked for an extension and it was granted until XX/XX/2022 by the mortgage servicer PHH. Since asking for the extension they transfered my loan to another service provider and then are demanding payment in full and tacking the next months payment into the last statement a week before it is even due as well as 2 phone calls asking where is all the money. I have the forbearance letter from PHH and and I had a plan to catch up the payments within that time frame given although it is supposed to be longer. This company is running a scam! I have contacted the VA and also going to file with the state and US attorney General!!
Product: Credit reporting or other personal consumer reports

Some one is trying to open up credit accounts with various companies with out my authorization. Most recently an account was opened with XXXX and I received a statement for {$280.00} with a credit limit of {$3000.00}. Received in mail XX/XX/scrub>XXXX XXXX 
There also numerous instances of Hard Credit Checks recently.
Product: Credit reporting or other personal consumer reports

My understanding regarding these inquiries is lacking, and the company proceeded without my consent.
Product: Payday loan, title loan, or personal loan

I have a solar loan with Sunlight Financial, I have the original contract and before I signed, I was told that my loan was transferable in case I sell my property located in SC. I asked the question before signing anything because we are a XXXX family and we moved frequently. I am trying to sell my property due to XXXX XXXX ; I need to sell my property and buy a house for my family in our new XXXX XXXX, however when I contacted the financial institution mentioned before, they said they have a policy they cant transfer my loan to my buyer because the loan is less than {$15000.00}. They told me it is in my contract ; I have the original paperwork and there isnt any clause mentioning that policy. I tried to connect with a supervisor or managers to find a solution for this unfair policy that its preventing us to sell and buy a home for our family, however ; I havent received any answer. They just keep apologizing and scaring me saying that I need to pay off my debt before selling my property. I need help because they lied when I get my loan.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding a fraudulent XXXX XXXX XXXX account that is currently being reported on my credit file. I discovered this account on XX/XX/XXXX and have since confirmed that it was opened without my knowledge or authorization. I currently do not have any auto loans or leases, as I own a fully paid-for XXXX XXXX XXXX XXXX purchased in cash. This fraudulent account is significantly impacting my credit score and financial stability, making it difficult for me to secure credit and other financial opportunities. 

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 XXXXXXXX : # XXXX I looked at my Transunion credit report XX/XX/XXXX And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). 

Section 605B ( 15 U.S.C. 1681c-2 ) : Allows identity theft victims to request the blocking of information resulting from identity theft.

Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates data furnishers to report accurate information.

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 reporting or other personal consumer reports

Midland credit did not give consent to share my information
Product: Credit reporting or other personal consumer reports

I was in a XXXX XXXX XXXX and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my bankruptcy XXXX XXXX XXXX XXXX XXXX it explicitly prohibits XXXXXXXX XXXX from reporting on my credit report. According to my credit report XXXX is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) XXXX has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to XXXX XXXX I been in defualt, but there nothing on my credit report previously reflecting that? 

This needs to be removed immediately because its illegal violation of my XXXX XXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused
Product: Credit reporting

I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.
Product: Vehicle loan or lease

Vin number : XXXX Name : XXXX XXXX I purchased a car in full and there is a lien on the title that has already been satisfied, but the bank refuses to provide a lien release letter because im not the original borrower As I have proof that Im the rightful owner and your company refused to provide me the documents that I legally need. I decided to take further steps. 
Pls kindly review the following : 1.The bank has a legal obligation to release the lien under state and federal law once the debt is satisfied. The law will rely on : * State lien release laws * Consumer protection statutes * The Uniform Commercial Code ( UCC ), which governs secured transactions and lienholder obligations Importantly : As the current owner of the car, I have a legitimate legal interest in the title. The lien is tied to the car, not the individual, so the lienholder has a duty to address the lien regardless of who owns the vehicle now. 
2. Mylawyer will send a formal demand letter to the bank, citing applicable state and federal laws requiring lienholders to release satisfied liens. This letter would demand that the bank provide the lien release by a specific deadline. 
3.Damages : If the banks refusal has caused you financial harm ( e.g., preventing you from selling or registering the car ), lawyer may seek damages on consumer behalf. 
4. Obligation to clear the title : * A lienholder can not prevent a legitimate owner from obtaining a clear title once the lien is satisfied. By refusing to provide the release, the bank is essentially blocking consumers legal right to a clean title, which could expose them to legal liability. 
Besides, a supervisor already told me to send a check to your company for my duplicated title. I did so but you returned my check without noticing me. This also caused me financial problems. Its is your workers who assured me to give me the title and now refused to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following incorrect item ( s ) : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the regulations outlined in the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I am aware that you are obligated to verify the accuracy of these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that, as stipulated in 15 U.S.C.

Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months regarding the corrections made.

I appreciate your time and assistance in resolving this matter. 
Yours sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, Which violates the customer financial protection Act ( CFPA ) Specially, Cash app Failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.