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

I am filing a complaint against Equifax for failing to properly investigates my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of any disputes. Furthermore, Equifax 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.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX XXXX in the amount of {$1100.00} and 1st PROGRESS/TSYS/VT In the amount of {$310.00}, Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XX/XX/2023 ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( Insert Date ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX  with account number XXXX This account does not belong to me. 

XXXX  with account number XXXX Remove due to inaccuracy - I never paid late Thank you for your time and attention to this matter. 

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

I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX  is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

Core Logics, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.
Product: Checking or savings account

SPOKE TO CHIME REP. SEVERAL TIMES REGARDING MISAPPROPRIATION OF FUNDS THEY SAID I CANT PROVE IT THEY CANT DO ANYTHING ABOUT IT. SO, I STARTED TAKING A SCREENSHOT OF MY TRANSACTIONS SO I CAN PROVE THAT THE AMOUNT THAT IS REPRESENTED IN THE APP. IS NOT CONCURRENT OR RFECTING WHAT THE ACTUAL AMOUNT SHOULD BE. AGAIN, MADE THEM AWARE THAT I HAD PROOF AND STILL NOT RESOLVED. ON XXXX I CALL AND SPOKE TO A CHIME REP. AND LET THEM KNOW THAT MY SPOT ME FEATHER WAS INCORRECT. THEY STATED THAT THE PAYMENT FOR XXXX  WAS POSTED ON XXXX XXXX, WHEN IT WAS ALSO POSTED XXXX XXXX AT XXXX AND AT THAT TIME MY BALANCE WAS - {$35.00} AT XXXX PER SCREENSHOT XXXX HOURS AGO A PAYMENT FROM XXXX. NO OTHER TRANSACTIONS FOR THAT DAY.NOW, TODAY XXXX XXXX ACCOUNT BALANCE - {$35.00} WHEN I WOKE UP FIRST PURCHASE XXXX XXXX XXXX AMOUNT - {$7.00} FOLLOWED BY XXXX XXXX XXXX AMOUNT - {$30.00} AND XXXX  - $ XXXX THEN I CHECK MY ACCOUNT BECAUSE I DONT TRUST THE BANK TO BE ACCURATE IT STATES- {$100.00} WHEN IT SHOULD BE- {$90.00} SO I CALL THE CHIME REP. FIRST STATED THAT THIS MORNING MY ACCOUNT BALANCE WAS POSITIVE {$16.00} DUE TO A REFUND THAT WAS GIVEN BACK BY XXXX I MADE THEM AWARE THE IT DID NOT REFLECT THAT REFUND ON MY APP. THAT SUPPOSE TO REAL TIME. AND IF THAT'S THE CASE THEN MY CURRENT BALANCE IS WAY OFF. EXPLAINING THAT MY BALANCE SHOULD BE- {$38.00} GIVEN THAT I ONLY MADE THREE TRANSACTIONS TODAY THEN SHE COULDN'T EXPLAIN HOW MY BALANCE GOT TO - {$100.00} SHE COULDN'T EXPLAIN IT SO SHE PUT SUPERVISOR ON THE LINE AND HE BLATANTLY LIED STATING THE XXXX  TRANSACTION WAS TODAY AND NOT YESTERDAY, SO THEY TOOK TWO PAYMENTS OF {$65.00} THEY STATED THAT I HAD TO PAY THE BALANCE IN ORDER TO GET THE {$1200.00} THAT WAS IN MY SAVINGS. THEY NEED TO BE HELD ACCOUNTABLE FOR CONCOCTING WAS TO STEAL HARD WORKING PEOPLES MONEY THROUGH THE XXXX XXXX XXXX THINK ABOUT ALL THE PEOPLE THAT DONT PAY ATTENTION TO THEIR TRANSACTION HISTORY CAUSES THEY TRUST THEIR BANK TO ONLY TAKE WHAT IS NEEDED.
Product: Debt collection

I recently found out that Midland Funding filed a lawsuit against me in Virginia where I do not t live. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Product: Vehicle loan or lease

Chase Auto Finance and Tax Payments For those of you that live in Connecticut this is for you. 

If you lease a car via Chase Auto read the fine print of the lease paperwork- which was never pointed out to us at the time we purchased the vehicle, as Connecticut bills the lien holder for a 6 month period for property and excise tax on a motor vehicle. And then the state keeps billing in 6 month increments until you no longer own the car, have moved, died, or it was stolen. In our case, Chase paid over XXXX in taxes on this vehicle. 

Chase automatically pays the taxing authority and then sends an invoice to the customer claiming the amount of tax they paid on your behalf and expect it paid within 30 days. 

It turns out that in our case an appeal was filed on our behalf, by us, and it was very quickly, I might add responded to, and corrected by the State of Connecticut with a refund.

Since Chase Auto paid the taxing authority and we paid Chase accordingly the refund goes to Chase first and they refund the money to us.

Chases Auto unit is dishonest, fraudulent, inept, unprofessional, lazy and has no accountability. Its so bad that even other Chase employees of enough stature ( private client banking employees ) within the bank cant get this unit to do its job properly. 

This process of getting a refund, which the State of Connecticut has approved and paid to Chase, is going on 9 months yet as the customer, we cant get our money back. 

Connecticut has provided everything weve asked for in a timely manner. The XXXX XXXX tax authority has done nothing but bend over backwards to help us yet Chase Auto cant seem to handle the most simple of tasks. Its so bad that if the money ever does get refunded that they cant even EFT it to my Chase checking account. They have TO SEND A PAPER CHECK! 

The documentation and details surrounding this issue would fill up a file drawer. One of Chases biggest problems is that they cant even have their customer service agents provide basic information, like when did Chase Auto actually pay the tax bill? Or, when was a refund physically received by Chase Auto vs. when it was processed? After 9 months of XXXX  I actually had an agent today say to me that they dont even show a refund request in their system. Seriously, I cant make this stuff up. 

The problem is that the bank has no accountability built into their system. They dont care who you are what you do with them as a customer. They just want their money and they dont care what the have to do to get it. And in this case, once they get your money, they dont want to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX  XXXX - XXXX ; XXXX XXXX - XXXX ; Collection - XXXX ; Medical Collections - XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

In XXXX of XXXX, I originally requested validation, correction to credit reporting agencies, and instructed them to cease and desist in trying to collect an erroneous debt ; including, communication in any form. They persisted, so I sent a letter that was dated in XXXX of XXXX in early XX/XX/XXXX. The certified letter was received ; yet, they fail to provide the requested documentation, they persisted in reporting the information, and they violated the cease and desist, as you can see from the evidence and date of letter they recently sent to me after receiving the certified notice. Unless they comply, I will be seeking to have the agency banned and damages.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : On XX/XX/2021 I began creating an account to freeze my credit report. The website malfunctioned and would not accept my information including my choice of pin despite the fact I entered all correct info. I called them and the phone robot accepted my info, froze my report and gave me a confirmation # ( 8 digits that was read quickly and only once ). They said they would send me my pin to the email address ( which is correct ) assigned to the account. I never got the email ( XX/XX/2021 ). I have called them and I can not get to a person on the phone. They do not provide access for my problem. They hang up on me. Now my credit report is frozen and I can not access my account ( no pin nor a password ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Now this one actually bothers me more than anything more than big debts more than it all a few years back I got furniture and a company called XXXX and with them I financed XXXX and I'm stupid because I had the money I should have paid it out of pocket but we live and learn so I was paying XXXX a week and it would of been ending up paying XXXX but whatever so I paid it so to pay it off and be done my last payment to them was XXXX dollars and when I paid over the phone the girl says you may get charged one more time of XXXX dollars I told her I better not she said well it's on auto payment and it might cut it close I said well cut it off or if it does charge me refund it back I'm paid up and that is the right thing to do I have already paid you guys plenty back. of course, she was rude about it, and I changed my banking info they kept calling and harassing me over these XXXX dollars and I could have paid it but now it's more of a principal matter to me because I actually paid them XXXX so I paid XXXX more than what I was supposed to and you're still trying to scam me. you know what they have on my XXXX credit report I owe them like XXXX dollars because of interest and late fees and I have my pay ledgers I'm going to send over to you and the contract with them. Its disgusting way to be and what do you do you call them and try to ask them to remove and tell them everything and they laugh in your face and then the XXXX XXXX XXXX XXXX says all things reported are accurately like what the date it opened the date I stopped paying well that's no mystery I'm reporting that this account is paid and I have sent them everything several times so it really bothers me what is it your investigating and with who I literally sent you the contract and my pay ledger and bank statements. I'm not going to stop until all these unjust issues are fixed, I have like XXXX followers and if I have to post everyday about these companies and their unjust ways I defiantly will.
Product: Mortgage

I have a home loan with LOANCARE ( account XXXX ). Before 27 days BEFORE I " missed '' the XX/XX/XXXX payment, I filed with LOANCARE the request of forberance for just 30 days. The automatic email said it would take about 3 days. On XX/XX/XXXX, I emailed customer services and told them about they neglecting my request or my rights. I still didnt hear back for THAT message until XX/XX/XXXX! And it was only an automatic forwarding email! On XX/XX/XXXX, I mailed a check for XXXX $ with a note EXPLICETELY telling them about their inaction or lack of response to any of my messages. That was partial payment for XXXX, as within my rights. The remainder of XXXX 's mortage I paid by XX/XX/XXXX by check again. I never received a letter from this negligent company! I get robot calls but noone to talk to. Today, XX/XX/2020, I submitted by email the XXXX XXXX payment. TO MY SURPRISE, this irresponsible company has me as NOT PAID for XX/XX/2020! They chashed the checks. I told them in handwriting what the money was for. Also, I have a LATE FEE!! I have all the emails to prove that I did my part, as required, and this scam lender dragged its feet and is YET to give me a response from my initial inquiry from XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I looked at my ( XXXX ) report on XX/XX/year> and noticed some things are incomplete and not accurate. I have XXXX late payment reporting XXXX late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( INSERT ACCOUNT NAME AND ACCOUNT NUMBER ) which reported a 30 day late payment in ( month day year ). They have violated my rights.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 suppose 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 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. If this information can not be verified i demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.
Product: Debt collection

I opened an account with Capital One eariler in 2016, and it only had XXXX dollers on it. So, Far I have paid them over XXXX dollers and have a balance still of XXXX. They said it was because of the fines and fees, but I have made all of my payments on time, except for one ; which I paid immediately and asked for the lady to change my account settings, so that no purchases could be made on my account, she did not representate me correctly, and left my account open allowing repeat transcations to be purchased ; after I asked for her to close my account, so that I can only make payments toward the debt.