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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. 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 ). 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 ) promptly 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 supposed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I called Citi Bank to defer credit card payment. Call was through a call center in the XXXX. ( I know I asked ) We communicated deferral of interest, fees, and payment like every other credit card company during the pandemic.

They put interest on credit card which was not agreed to.

I refused to pay unless they took it off.

Now, they have sent it to a collection agency and refused to negotiate the settlement of the debt. Kept saying call back next month. I would call. Call back next month. I would call. Call back next month. You get the picture.

This has put a mark on my credit report and costing me money to refinance my home.

I would like Citi to remove the bad credit mark and call me to settle the correct amount owed. Without the interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXXXXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My taxes were deposited into my Chime account a few months ago. After I have access to my card for a while, I was about to make purchase. One morning I woke up for my daughters birthday party to make a purchase and the app said good bye upon trying to open up my app. I received an email on my SPAM folder that my account was on hold. After calling chime they gave me the reverie email. Review sent me over the documentation. I sent over ALL of the documentation that I had access to aside from the card that was connected to my account during the hacking simply because I have no ownership over that card. I sent over those documents multiples times. Chime closes my account ( after they told me I could get my funds in 30 days via check ) they then tell me because I havent completed the verification process ( with the card that was put onto my account ) I am ineligible for a check. Thats my TAX money. Im not working right now and I have a XXXX XXXX XXXX who Im raising. Im late on bills and short on food. This is literally the ONLY money that I have. Every representative that Ive spoken to has given me different answers as to when I can have my funds back, they have escalated my case and theirs still been the same outcome.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text message that appeared to be from my bank telling me there was a fraudulent charge on my debit card. Upon texting back NO that I did not make that charge, I received a call from the exact same number as the US Bank fraud department number. The lady on the phone said that somebody was trying to steal {$3500.00} from my account through XXXX. She said the person was named XXXX XXXX. The lady had me link my account to XXXX and told me I needed go hurry up and transfer this money. She had me transfer this money to said XXXX in two payments, one of {$2000.00} and one of {$1500.00}. She also requested my debit card number. Shortly after requesting that information she stole {$1200.00} off of my card. Knowing something was weird, I called the bank fraud department number afterwards and was informed that I was scammed. I filed a claim for the stolen money from XXXX as well as the {$1200.00} dollars stolen via XXXX pay from my debit card. The bank was able to reverse the {$1200.00} charge. However, a little over a week later I received a letter in the mail stating that my claims for the {$2000.00} and {$1500.00} XXXX transfers were declined because I initiated these transfers. I only followed through with the transfers because I believed I was speaking to the US Bank fraud department. Immediately after speaking with the real fraud department I filed a police report at my local police station. Last time I spoke with them they were still working on getting information from XXXX as to who this person I transfered this money was and where the money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. I sent letter off on XXXX XXXX ; I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out and here. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed immediately. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX Account # XXXX XXXX XXXX # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have received a copy of my credit report from Equifax that currently still shows inaccurate information. I have sent XXXX requests to Equifax for an investigation of the alleged public record listed of bankruptcy. I have received incomplete and unverified information back from Equifax states that alleged public record verified per data furnisher. Equifax has failed to advise how the alleged public record listed of bankruptcy was verified. 
US Bankruptcy Court Reference Number : XXXX Status : Dismissed Date Filed XXXX US Bankruptcy Court Reference Number : XXXX Status : Dismissed Date Filed XXXX The CFPB found Equifax ignored consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate credit scores. The order requires Equifax to comply with federal law, and Equifax must pay a {$15.00} million civil money penalty, which will be deposited into the CFPBs victims relief fund. 
I understand the FCRA Act under Section 605b was originally enacted back in XXXX  to help promote accuracy, have the information blocked, fairness, and privacy in the collection and dissemination, and ultimately all use, of consumer credit file information. It provides multiple rights and protections for consumers. The credit bureau is legally obligated to either remove or block that information from their current report in 4 days if not I have have grounds to bring legal action against the bureau. 
The FCRA Act under Section 605b provides multiple rights and protections for consumers and outlines the regulations and expectations imposed on creditors, lenders, and furnishers of information to the credit bureaus : XXXX, XXXX, and Equifax. It also establishes the requirements and guidelines for the reporting of consumer credit information, as well as the dispute resolution processes, and the requirements for gaining access to credit reports. 
I am a consumer showing proof that a negative item or multiple items on my credit report are inaccurate due to identity theft, the credit bureau Equifax is legally obligated to either remove or block that information from my current credit report. Equifax failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, Please find attached documents : XXXX XXXX United States XXXX  XXXX XXXX XXXX XXXX Georgia letter XXXX ) Georgia XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Dispute XXXX ) Equifax - Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with Regions Bank, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used Regions own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, Regions reported me as late even though the reason is Covid, and my credit score dropped significantly. Regions tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, Regions does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. Regions ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from Regions to be corrected.
Product: Money transfer, virtual currency, or money service

Paypal told me : " to offer assistance with respect to your withdrawal options unless a valid photo ID or equivalent is supplied for the primary name that was provided at the time your Account was created, XXXX XXXX. ( end quoting )
Product: Mortgage

On XX/XX/2021 we signed modification paper work. Then because the over night label was a year old I had to reach back out to my point of contact XXXX which I can still use the label. Then I fed ex on XX/XX/XXXX3 to shell point mortgage, that is why I'm complaining they didn't get the paper work until XX/XX/XXXX or XXXX to process. They back dated a letter asking for first payment on XX/XX/XXXX. And I have been on the phone atleast 20 times asking shell point to start the first modification payment on XX/XX/2021. 
*****Please see attached papers******
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Payday loan, title loan, or personal loan

Hello I paid this line of credit off during the closing of my house, they charged a late fee after the closing. I believe the account to be closed so I had no idea I was charged this fee. The account was sent to collections for a {$60.00} fee. The collection agency refuses to remove the item I've sent my closing statement proving title got the payoff amount and paid the debt at closing.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not authorize or create these accounts and have no knowledge of their origins. As outlined in USC 1681g, I am formally requesting their removal within XXXX  days. Enclosed are the relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I recieved an alert from my credit monitoring that a hard inquiry was put on my Equifax credit report. I did not at any time apply for credit with XXXX XXXX  or otherwise authorize this. I called XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with Equifax, the next day ( XX/XX/2019 ) I received a response that the investigation was complete and it was verified as accurate. I called Equifax on XX/XX/2019. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with XXXX XXXX  and how they confirmed that it was fraudulent and requested they call XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called XXXX XXXX since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Tree website provided an icon that I believed, would give me " information only '' on an auto refinance with XXXX XXXX XXXX. Lending Tree gave no disclosure that by clicking on the icon a credit report would be generated to XXXX XXXX XXXX and an application, you never saw or approved of, a " ghost application '', would be generated. Lending Tree gave no disclosure that this application would continue to be moved along to other lenders, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, who each would make a credit inquiry. It is unknown how many lenders were notified or could have potentially dinged my credit report with an inquiry. There is no end to how many lenders could do it this way. I never applied for a refinance with XXXX XXXX XXXX. The other lenders involved have no failsafe method to verify if the application they received was legitimate. They simply trust XXXX XXXX XXXX to send them a legitimate and valid application. XXXX XXXX of XXXX XXXX XXXX admitted to me in an email that once the icon is clicked it " automatically '' produces an inquiry. XXXX XXXX XXXX also has no failsafe method of blocking a credit inquiry if all the consumer was looking for was information. This is " application harvesting '' and needs to be stopped. Only XXXX XXXX responded to my complaint, but they don't understand the issue involved. They dont understand there is a moment in time between when they receive the application to when they make the credit inquiry where they could act to verify if the application is legitimate. I am dealing with four inquiries on my credit record for a refinance I never applied for. The Credit Reporting Agencies have told me they have no way to remove inquiries for a loan application that was never made. I'm stuck with these inquiries for two years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I responded to a comment posted by XXXX XXXXy on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) via direct message about XXXX ticket resales. The intention was to purchase 3 tickets as a gift for my brother. 

I did my due diligence and want to emphasize that this was somewhat of a sophisticated scam. I requested that the seller ( XXXX XXXX ) send some type of screenshot confirming that she actually had the tickets, and it wasnt till afterwards that I sent her a XXXX payment ( XXXX ) in the amount of {$120.00}. She did indeed send over a confirmation screenshot from XXXX. 

After confirming payment over XXXX, the seller requested that I pay an additional {$45.00} ( {$15.00} per ticket ), because there was an additional fee to transfer XXXX codes. By then I knew that I was being defraudedafter having already sent the fundsbecause XXXX ( the ticketing platform ) does not charge for ticket transfers; having used the XXXX in the past myself. 

I responded to the sellers request and asked for my money back. She feigned an apology and immediately blocked me on XXXX afterwards. Ive called Bank of America XXXX : once on XX/XX/XXXX, and spoke to XXXX, and once on XX/XX/XXXX, and spoke to XXXX. XXXX explicitly said, Youll get your money back, and initiated a stop payment. She explained that if the stop payment didnt work, I should wait for the XXXX transfer to post, and then call Bank of America back. 

I called Bank of America again on XX/XX/XXXX, and was connected with XXXX. Her guidance contradicted XXXX  : she instructed me to wait for the payment to post then call Bank of America again and ask to speak to the XXXX department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX DateOpened : XX/XX/XXXX Balance : {$11000.00}.