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

Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Equifaxs investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities.

Explanation of the Issue Failure to Conduct a Fair Investigation : Equifax failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or failed to protect such data from unauthorized access. 
The furnishing financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : Equifaxs failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation.

Legal Basis Provisions of the FCRA Violated : 15 USC 1681c ( a ) ( 5 ) : This section states that no consumer reporting agency may make any consumer report containing adverse information ( other than records of convictions of crimes ) that antedates the report by more than seven years. Additionally, a CRA can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) : This section prohibits a person from furnishing any information relating to a consumer to a CRA if they know or have reasonable cause to believe the information is inaccurate.

Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 the debt collection company AFNI appeared on my credit report trying to collect on a debt originating from ATT that I have no knowledge of. I have signed no contact with AFNI nor do I owe any debt to AFNI. Therefore, I would like this misinformation removed from my credit report immediately as it is defamation of character and being reported illegally in accordance with the FCRA.
Product: Credit card

On XX/XX/XXXX, I placed an order with [ Vendor Name ] for XXXX XX/XX/XXXXXXXX XXXX  at a total cost of {$410.00}. This order was confirmed in writing, and no changes to the order were discussed or agreed upon. 

XX/XX/XXXX I received the shipment but noted a discrepancy : the vial was labeled with XXXXXXXX XXXX XXXX instead of the XX/XX/XXXX XXXX that I ordered. Concerned that the concentration was incorrect, I reviewed the packaging and dosage instructions, which did not align with my initial order. I reached out to the company to clarify this difference. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX again to express my concerns, requesting confirmation about the discrepancy. On XX/XX/XXXX, the provider acknowledged that the product sent was, in fact, XXXX XX/XX/XXXXXXXX XXXX, differing from my XX/XX/XXXXXXXX XXXX  order. This admission confirmed that they had shipped an incorrect dosage without prior notice. 

XX/XX/XXXX I formally requested a return and refund for the incorrect product, indicating my preference to handle all communication in writing for documentation purposes. 

XX/XX/XXXX The provider admitted that they should have communicated the change in dosage better. However, despite acknowledging this error, they refused my request for a return or refund, stating that the product was non-refundable, even though it differed from what I had ordered. They instead instructed me to dispose of the medication. 

Capital Ones Response Despite being sent the wrong dosage of medication and receiving no acceptable remedy from the provider, Capital One has denied my dispute claim. 

In summary : The product delivered was not what I ordered, and the provider admitted to sending the wrong dosage. 
Despite acknowledging their mistake, the provider refused to offer a refund or replacement. 
Multiple attempts were made to resolve the issue in writing, but the provider failed to offer an acceptable solution.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this hard inquiry. 

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

On or about XX/XX/2018 I sent the attached letter ( Conn 's 623 letter ) to Conn 's detailing inaccuracies they are reporting to XXXX, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but Conn 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case Conn 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I completed my first time homebuyer program. When the counselor pulled my credit we found out that I had in my credit more than 19 accounts that don't belong to me. Immediately I contacted the 3 bureau and asked them to remove the information from my credit report. We sent a package with my drivers license, copy of the credit report, XXXX letter from the IRS, and the police report.

After sending all the mentioned information we call the 3 bureaus and they told me that they didn't have any records or information on my name in their system.

As you can verify in my credit the names and date of birth didn't match with my XXXX  and Drivers License.
Product: Checking or savings account

I made the mistake of allowing a " friend '' to deposit a XXXX XXXX check into my account without knowing what XXXX XXXX is and it turned out that I was scammed. I bank with Columbia State Bank ( routing number XXXX ) and they have had my account locked for almost a month now. XXXX ( female ) is the " Investigator '' on my account with Fraud Investigations. I wrote in my online banking all of the information I had ( where the check came from, the phone number of the person who deposited it and signed my name on the check as I did not sign that check which should be obvious looking at the signatures, etc. ) and despite how quickly the case should have been solved, XXXX did not even consult with me for information or even investigate anything at all regarding my account until I spoke with her yesterday about being able to withdraw my paycheck. I could tell that this was the first time she actually looked at my account. I posted the information on my online banking message center where I was informed by the bank ( and this is all in writing ) that Fraud Investigations has access to those messages, thus those messages should have been looked at by XXXX long before this. This is now 2 paychecks ( out of three that have been direct deposited/ACH from the same company, one of which covered the scam check 's result of a negative balance ) and a loan that I've had to jump through ridiculous hoops just to withdraw the money I rightfully earned. Before XXXX decided to ask me any questions about what happened, she decided they were closing my account for good and I requested they keep it open long enough for my paycheck to come in two days later ( which was yesterday ). So I spoke with XXXX yesterday at XXXX XXXX and she said that once the direct deposit from my job hard posted, I could withdraw my money. The only Columbia State Bank open on a Saturday is an hour and a half from where I live, but I drove there anyway, which does require transportation costs and irreplaceable time, because XXXX said I could withdraw it once it hard posted. XXXX failed to put a note in my account allowing the tellers to give me my paycheck just like she failed to investigate the case in the first place. I'm very dissatisfied with the carelessness, laziness, selfishness, inadequacies and lacking of intelligence that takes place in this Financial Institution 's Fraud Department and this is not going to be my final complaint. I also plan to post reviews and respond to surveys and make it very well-known how this bank handles customer finances until I have the satisfaction of knowing that XXXX has been at the very least reprimanded and faced with disciplinary action for her failure to actually do what my money paid her to do ... My money that she prevented me from accessing even though I, unlike her, actually do my job. Something needs to be done.
Product: Credit reporting or other personal consumer reports

I have diligently followed all necessary procedures in disputing this account. I've contacted the bank, which assured me the issue was resolved. I've also engaged with law enforcement, providing a valid report and affidavit, confirmed by them. Additionally, I've worked with Equifax, which complied with legal requirements and removed the account. However, Equifax seems to be presenting obstacles, claiming I haven't completed all necessary steps. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 
Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Equifax over XXXX months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, a federal entity. I seek a resolution to this matter adhering to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, severely impacts both my personal and professional life. I feel overwhelmed and am losing control. Please handle this matter with urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to NewRez/Shellpoint from XXXX. This I was given incorrect information by Shellpoint. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by NewRez/Shellpoint not to pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.
Product: Mortgage

I was working with Wells Fargo to see what rates they had for mortgages. I was working with XXXX XXXX and once I found out that they could n't go any lower than XXXX % down, I told him to stop the process. I thought it was stopped but then I got a call from XXXX XXXX asking if we wanted to continue with the loan. I texted her that I had told XXXX that we were n't interested any longer a while ago. Then I received a letter in the mail that they had carefully reviewed our application and that they were sorry they were n't able to approve our request for home financing. I was upset because we told them to stop the process multiple times. Even though the letter indicates it would n't affect our credit I want this rectified.
Product: Debt collection

AAFES and Military Star Card back in either XXXX or XXXX erroneously charged my mother {$1500.00} for a " Sea Cruise '' that she never purchased. Because she's XXXX, my mother was ( and remains ) incapable of partaking in this activity, and thus, would never even consider making the purchase shown on the Military Star Card way back then. Both of us tried at the time to find a resolution to this problem through customer service at the XXXX on XXXX XXXX, but they were unaware of what to do, and were not helpful. And since this credit card was her first one, she didn't know how to formally dispute the charge on the card. Also, my mother was under mental & physical duress because of the negative side-effects of her medications, so she let this matter slide over the years. But with some recent improvement in her health, we are just now taking steps to fully resolve this situation.
Product: Debt collection

Resurgent Capital Services phone # XXXX is reporting a collections account LVNV Funding XXXX  on my credit report that was closed and paid off through XXXX XXXX XXXX Phone # XXXX. They account is closed and settled The statement settlement amount accepted by the creditor XXXX was {$340.00}. ( 3 ) payments of {$110.00}. The first payment was made to XXXX and cleared on XX/XX/XXXX check # XXXX and the 2nd payment was for {$230.00} through phone transfer made to LVNV Funding XXXX now listed under Resurgent Capital Services on XX/XX/XXXX and cleared on XX/XX/XXXX. There was a problem with the settlement due to the account being sold to LVNV Funding XXXX in the middle of the settlement. XXXX XXXX XXXX payment processing team reached out to Resurgent for LVNV Funding XXXX debt to honor the payment and they did which is why the payment was made later because of the transition from XXXX. I have contacted Resurgent several times and told them that they account was settle. I faxed them the settlement letter provided by XXXX XXXX XXXX that shows the settlement payments for a total of {$340.00}. Resurgent Capital services keeps reporting to the credit bureaus that the collection account is still open. They asked for proof of cleared payments and I faxed them the statement, but they are not closing the account. Resurgent Capital Services has been reported as a problematic unfair company abusing consumers. I have researched online and found a lot of negative information about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

I attempted to redeem cash back from my XXXX XXXX XXXX card on XX/XX/18. I unintentionally clicked to redeem uber credits thinking it was credit to be applied to my XXXX credit card. It turned out I actually redeemed over {$450.00} worth of XXXX ride credits. I immediately called Barclays/Visa to explain I wanted the points to be used to apply to my current credit card balance. 

Visa/Barclays explained to me that they could not reverse the redemption and to contact XXXX to see if they would reverse the redemption. Subsequently, I contacted XXXX through their twitter and app helpline ( they do not have a phone line for complaints ). They stated, " Sorry to hear about that. Unfortunately, Gift Cards are not refundable, returnable, transferable or redeemable for cash. Thank you for your understanding '' and did allow me to respond to further explain the situation. 

I misinterpreted " XXXX Credits '' as a credit to be applied to my credit card account. I believe the XXXX or XXXX should be held accountable to refund my reward points. I would normally not file a complaint, but {$450.00} is not pocket change to me ; especially when the company has no problem charging individuals a APR of 25.49 %.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 

XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Agency 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  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 an 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, 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

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

collections the XXXX XXXX XXXX {$300.00} Date Opened XX/XX/year> Inquiries XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX
Product: Debt collection

To Whom It May Concern : XXXX XXXX XXXX redresses the illegal practices of Fay Servicing , LLC servicer for XXXX Master Participation Trust concerning the collection of debts, in violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ) and Federal Trade Commission ( FTC ) under Sections 5 ( a ) and 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) and 53 ( b ). 
XX/XX/XXXX you claim we executed a Note and Deed of Trust with XXXX : Per the documents provided ( refer to the attachment to this complaint ) are not signed therefore the documents your clients have produced is Fraudulent/ Forged since I rescinded on XX/XX/XXXX & XXXX, XXXX making this loan XXXX XXXX XXXX, as null and void. 


Please supply the information below so that I can be fully informed : can you provide a copy of the signed XXXX XXXX Disclosure Statement ; Good Faith Estimate of Settlement Charges, HUD-1 Settlement Statement and XXXX XXXX XXXX created my original requirement to pay? 

I am open to communicating with you for this purpose. In order to make sure that I am not put any disadvantage, in the meantime please treat this debt as being in dispute. 

In addition to providing the information requested above, please let me know whether you are prepared to cancel any Foreclosure Sale NLT, Friday, XX/XX/XXXX. 

If so, please tell me in writing that the Foreclosure Sale scheduled for XX/XX/XXXX has been cancelled. 

Thank you for you cooperation.
Product: Checking or savings account

I applied for a checking account with a {$200.00} bonus from BBVA. I met all the requirements that they listed but it's been almost 4 months and they haven't deposited my bonus. They also don't respond to inquires about this, and have overall very poor customer service.
Product: Consumer Loan

I had a loan through Springleaf which was paid off XXXX XXXX/XXXX/XXXX. 
Despite my phone calls they continue to bill for this and add late charges and fees. I believe this is effecting my credit score negatively. I spoke to a representative named XXXX XXXX on XXXX/XXXX/XXXX who told me my balance would be set to zero. But I received another statement claiming I owe {$16.00}. Now I 'm trying to reach them by phone ( again ) but the phone system no longer lets you talk to a live person. 
I am writing a letter to Springleaf today, but without help I believe they will just ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to try and get information correct on my credit report. Experian continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.