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

Complaint Regarding Equifaxs FCRA Violations Demanding Immediate Compensation and Accountability To Whom It May Concern, I am filing this formal complaint regarding Equifaxs proven violations of the Fair Credit Reporting Act ( FCRA ), as substantiated by the Consumer Financial Protection Bureaus ( CFPB ) recent fine. Equifaxs gross mishandling of credit reporting disputes has caused me significant financial harm, emotional distress, and reputational damage. I demand immediate corrective action and restitution for these unlawful practices. 

Details of the Issue Equifaxs violations include : Failing to conduct legally required reasonable investigations into consumer disputes, disregarding evidence provided. 
Reintroducing unverifiable or previously removed inaccuracies into credit reports without consumer notification. 
Failing to block information related to identity theft, as required by law. 
Sending confusing and inadequate dispute communications, denying transparency in the resolution process. 
These violations directly reflect my experience. My legitimate disputes remain unresolved, and Equifaxs actions have obstructed my rights under the FCRA.

Impact on Me Equifaxs negligence has caused : Severe Financial Harm : Persistent errors on my credit report have [ e.g., led to credit denials, higher interest rates, or other measurable losses ]. 
Irreparable Emotional Distress : The stress of battling a system rigged against consumers has been overwhelming. 
Long-Term Reputational Damage : My credibility with financial institutions has been unjustly compromised, creating ongoing barriers to opportunity. 
Resolution Sought I demand : Full financial restitution for the financial and emotional harm Equifax has inflicted.

Immediate removal of all disputed inaccuracies from my credit report, including those improperly reintroduced. 
A comprehensive and transparent explanation of how Equifax mishandled my disputes. 
An independent audit of my credit report to ensure compliance with FCRA standards moving forward. 
Conclusion Equifax has failed to uphold its legal obligations to me and countless other consumers. These actions are not just negligentthey are a blatant disregard for consumer rights and federal law. I demand Equifax take immediate corrective action, provide restitution, and implement safeguards to prevent future violations. 

Thank you for your urgent attention to this matter. I expect a swift resolution and will escalate this complaint if necessary.
Product: Checking or savings account

I received a payment from a company I sold goods to. They wired me the funds on XX/XX/year> in the amount of {$140000.00}. I went to use the funds and was told by the bank that the account was frozen because the sender of the funds claimed that they did not authorize the payment. I contacted the company who sent the funds and they said they did not make that claim or request for the wire was fraudulent or needed to be returned. Originally I only sent half of the shipment. When only XXXX of the funds were used before the account was frozen, I demanded another payment from the customer which they sent in desperation of receiving the products for operation in their business to another XXXX of my business accounts which was credited with no issues or concerns. Since this account has been frozen since XX/XX/year>. The bank told me that they would conclude their investigation in 45 days. I called on that date to ask if the funds were going to be returned to the sender, released in my account, or allow me to close the account and withdraw the funds but they said that the sending bank, XXXX XXXX XXXXXXXX, had to send them a liability release before they would do that. I asked if they had sent a request to XXXX XXXX XXXX and they wouldn't answer. I asked if and when they would just return the funds to the sender and they won't answer me. They won't send the funds back because they say that XXXX XXXX XXXX  has not authorized it. They won't release the funds or unfreeze my account either. HELP!
Product: Checking or savings account

i had a bank account number : XXXX with pnc with about {$1000.00} in it, and for the last few months i have not been receiving my banking statements, and apparently pnc started charging me a $ 25 monthly fee just for having the bank account open. PNC has refused to waive the fees, and has charged me {$200.00} for doing nothing at al to even service the account. That is just an insane amount of money to take from someone to just have an open bank account, especially since i was never given notice about these fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 CAPITAL ONE XXXX  FINANCE, known as XXXX, sent several documents to the CFPB in response to my complaint. XXXX demonstrated several violations in this response. XXXX sent XXXX debt communication letters, and a retail installment contract with billing errors. These items are an violation of my consumer rights. The finance charge on this obligation was for {$10000.00}. The total sales price is {$39000.00}. According to 15 U.S. Code 1605 - Determination of finance charge ( a ) ( c ), the finance charge is the total sum of all charges and any charges against the damage or loss of vehicle must be included in this price. 

XXXX sent XXXX debt communication letters all in violation to 15 U.S. Code 1692c - Communication in connection with debt collection. 

I, XXXX XXXX, never gave XXXX any permission to report any of my accounts to the CRAs.
Product: Debt collection

in XX/XX/XXXX i had a major crises and XXXX placed my kids with my sister. i had a caseplan and i worked as quickly to remedy and get kids back. i was working raising a pre teen and an infant. at below poverty wage. i qualified vfor a pell grant.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX the school knew and promised me they'd get me my Pell Grant and convinced me to go ahead and enroll with these loans stafford and unstafford. i was not sure of there accredidation and repeatedly inquired as to transfer availability. a XXXX accredidation. upon first semester i hadnt gotten any counseling or notification to the pell grants i was to really get. i finished first term. second term i went only two weeks. into that term still no help with grant. no help from XXXX in helping me or protecting me. and found out through letters i sent out to various attorney firms that the legal community would not even recognise any degrees from XXXX colleges and not XXXX XXXX XXXX a XXXX school. i nwouldnt have obtained employment, nor were there credits transferable tko any state college or university. i dropped thge first two weeks of second term. i have been trying to get this loans discharged on many legal true factors. 1. inavailabilty to have benefitted based on above statements, 2. I have become XXXX. awarded fully favorable workers XXXX. long term. indefinately.3. the schools failure to honor my qualified pell grant and cease any loans based on a famikly low income wages program.4. the inability to be able to benefit and obtain employment in field. and the fact i would not have been able to transfer credits at all. the school later sold out to another school called XXXX university. and they went out of business too. it is now an empty building. can not get any records. this is causing my credit score to be bad. based on all factors especially XXXX i will never be able to pay. nor shoukd i. many have had these loans for this school discharged based on same reasons. school both times was a fraud. i can not acquire a better place to lkive and am XXXX i require a better accomidations. it hinders greatly my ability to do so. my credit poower is not good. i have repeatedly tried i only get yearly forebearances. now oinlky every 3 months. i have many legal arguments to have this totally discharged and need your help. through XXXX. or better yet XXXX  does total XXXX discharges. its very old and i need them to stop squeezing me into this fraud school attachments to follow
Product: Payday loan, title loan, personal loan, or advance loan

Receiving confirmation emails for loans Im not applying for
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan {$13000.00} for a XXXX XXXX financed for 60 months through Hughes Acceptance Corp. in XXXX, KY. beginning XX/XX/2014. This has been paid off but the company has not reported any of the payments or that was paid off to the credit bureau.My credit report still showing I owe the {$13000.00}. I have contacted Hughes Acceptance several times to update my credit report but they have failed to do so. This has caused me not to be able to get another car loan in the past couple of years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank and I have tried numerous times since XXXX 2017 to remove a duplicate item on my credit report. My bank has attempted corresponding with Experian to get this resolved, but them item remains on my report. My bank has provided letters that I have attached to my dispute, and each time, the dispute comes back as validated, and does not report the inaccurate item. I have attached the letters and email from my bank.
Product: Mortgage

Company does not apply HAF funds in a timely fashion and despite telling me I would not incur a late fee while on the HAF program, they assed me one anyway. Which is their fault because they are receiving the payment way before the grace period ends. 

The other real problem here is that the company gets this complaint, and then closes it because they say it is a repeat problem. You bet your XXXX it is a repeat problem, almost every month for the last 9 months! Why should I have to go through this stress every month? So instead of just blowing it off, fix it!!! Yes I'm talking to you who is reading this at flagstar. Just because you eventually applied the payment last month, does not mean that it is not an issue again this month!
Product: Credit card or prepaid card

Tried to utilize my credit card in XX/XX/XXXX, card declined, I noticed the card was expired, called to have a new card sent out on XX/XX/XXXX, was advised to allow seven business days. Upon ordering this replacement card, i was advised one had been sent previously in XX/XX/XXXX, rep assured me it wasn't activated so everything was fine. Received a letter dated XX/XX/XXXX advising they can't send a replacement card because the account was closed. I called customer service yet again on XX/XX/XXXX and rep advised at that time that i was sent an email dated XX/XX/XXXX advising me the card had not be utilized and that could result in account being closed ; i never received that email and even when back to view my email account after rep verified the address, that email was not located, asked rep if he could resend for verification he stated no and advised i should have received a letter in XX/XX/XXXX about the account inactivity, advised i didn't receive that either as i try to make sure i utilize each of my credit cards/debit cards at least once a year. I asked rep how can i appeal this he advised he would escalate to the office of the President at the organization and i should receive a letter in approximately seven business days of the determination, we verified the address and thus far nothing has occurred. Closing of this account has caused my credit scores to drop over 20 points. I work hard to maintain a great credit history and believe companies, especially those where members are long standing and in good standing should have to validate/approve for an account to be closed before companies close an account for due to inactivity. that 20+ points is very quickly loss, yet very difficult to recover.
Product: Debt collection

Sometime in XXXX of XXXX  I went to the hospital and current hospital bill but I have Medicare policy number to XXXX XXXX XXXX  XXXX and I have North Carolina Medicaid policy number XXXX. What's really foolish about this is they rather send it to collection then accept my Medicaid and Medicare every time I try to talk on the phone and tell them I have Medicaid and Medicare they act like they don't even want to accept that and they want a credit card. I have Medicaid and Medicare and I had coverage back there in XXXX of last year I don't understand how come I'm in collection. Rather send the account to collection then accept my insurance. I don't know who's running this hospital or who's running this collection agency but I keep telling them what my insurance policy is and and they won't accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor. XXXX XXXX  XXXX Please remove all comments including consumer statement
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( BANK ) 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$0.00} - Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXXL, Account # XXXX from XXXX DEPARTMENT STORE, Account # XXXX from XXXX XXXX XXXX, Account # XXXX from XXXXXXXX XXXX XXXXXXXX, Account # XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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.
Product: Student loan

I applied for the SAVE plan but they put me on administrative forbearance without my consent or any notice and as a result of that the interest is accruing. I would like them to take me off from administrative forbearance immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my knowledge, XXXX XXXX stopped accepting automatic payments via the online portal and neglected to notify me in order to fraudulently charge late payment fees. Upon noticing it on my credit score, XXXX XXXX refused to cooperate. 2 Payments of {$470.00} were claimed to have never been received in XXXX and XX/XX/2019. The account has always been and still is current, yet XXXX   XXXX  is refusing to correct their mistake. Any help is greatly appreciated. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is filed against MoneyGram and the systemic racial discrimination they have in place to oppress people. MoneyGram and their merchants, such as XXXX, have policies in place based on zip codes and the demographics of that zip code to limit the dollar amount of pay outs. For instance, MoneyGram allows worldwide transfers of up to {$10000.00} and in Georgia they recommend that a customer go to XXXX because XXXX will have that amount of cash available. However, if a customer goes to XXXX in Georgia they may not be able to receive the pay out based on the zip code policy XXXX has in place. One XXXX is only allowed to release payouts up to {$2500.00} while another XXXX less than 10 miles down the road is allowed to release up to {$5000.00} and yet, XXXX  outside of Georgia are able to release the full {$10000.00}. XXXX says that the policies are set by MoneyGram. MoneyGram says the policies are set by XXXX and every merchant individually. MoneyGram is not willing to take responsibility for and fix the systemic oppression that is in place with their money services. 
In addition, MoneyGram supports having varying policies to verify the identity of the receiver. In a " favorable '' zip code a person can use their passport and no other documentation to receive a pay out. However, in a zip code that is being oppressed a person can be required to provide proof of their current address such a lease or utility bill. This requirement is overly burdensome as a lease can be verbal and include utilities. Also, some people reside in extended stay hotels which tend to be concentrated in certain areas further causing a disproportionate negative affect on certain demographics. 
If a customer is turned away from one merchant because of the limitation pay out and turned away from a second merchant because they " don't like '' the ID provided, that transaction may be rejected by MoneyGram further complicating a person 's financial situation.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX  One main financial on XXXX XXXX XXXX South Carolina called me about a refinance for car loan it was a predatory call and they charged me {$600.00} plus interest on fees that were not explained and not understood they might have said that the information was signed however I do not recall being have those fees explained and they were fees that should not have been passed on to me when I asked to have the fees removed or dropped within the appropriate amount of time they refuse to do so they are now charging me interest on those fees that I did not agree to they also filled out the application for me on a computer due to my injury I can not work with computers I have medical information to back that up nor did they give me a paper application to fill out nor did they give me a paper application upon leaving I did not fill out the application I did not agree to the XXXX plus dollars and fees and interest!.. I did try to work with one main however they refuse to assist me and saying they can never discuss my account with me again at that location in addition the home office refuses to work with me as well they'll send me letters stating that they'll be happy to work with me but then when I try to work with them they refuse to speak to me about my account because I have reached out to government agencies to assist me in getting a resolution. They say that arbitration agreement is in the contract however when I try to ask them at the location about the arbitration agreement in the past before they banned me from getting assistance for no reason they refuse to give me the proper steps for the arbitration they tried to deter me from what was in the contract so a my issue is fees that I was not aware of be I tried to remove the fees and see I was denied any type of resolution in was encouraged not to call ever again. The resolution that I'm looking for is to have those fees removed from my contract and to be compensated for being charged that amount in the first place I also want the contract to be void because it was set up under predatory pretenses.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>