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

Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX, and XXXX XXXX  for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax XXXX and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and nine currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX
Product: Prepaid card

XXXX/XXXX/15 I was a victim of a IRS scam, some XXXX called me and I fall for it and purchased the prepaid cards XXXX it and them the numbers of the XXXX prepaid cards, an around two hours later I realized it was a scam so I called the number in the back of the cards, a CSR inform me the the money was on the cards and she ( XXXX ) was putting a stop on the cards. I was happy as thinking did n't loose my money and everything was fine just like she said, also she give me a ITS number of the claim and explain the it will take XXXX to XXXX business day to send me a check, I explain the situation and ask her if she was sure the sto payment was done because this was a time sensitive situation and she said yes. Week latter I called the company to seek the status of my claim and the inform me they only put a stop on XXXX cards and the XXXX of them were redeem, they only can return the money on those cards and the rest was lost because the cards area like cash, I did understand that but when I called them the money was there and they supposedly put a stop, if they would it told that the stop would take time, I could redeem the cards my self and get my money back but the make me believe that my money was save and I believe them because after searched their name it seem like a legitimate company. The are regulated by the federal government, and license from XXXX XXXX XXXX XXXX XXXX XXXX FDIC. I feel the this company is as guilty as the people how called me, or more because they deliberated did n't inform me of the time a stop would take, on the other hand the make me believe the money was save and everything was fine that I should just wait for my money to come in the mail.
Product: Debt collection

Received a debt collection from Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiring a payment owed by me from XXXX XXXX XXXX provider. The account number provided by the CCS was fraudulent, verified by current account statements & service provider collaboration at that time. Several months later, I closed all my accounts related to XXXX XXXX will all balances paid off, including all 2+ years worth of statements being fully paid each month. CCS refused to offer any additional assistance to mediate this matter but instead reported my account as a result of derogatory to all three credit bureau agencies.
Product: Mortgage

The loan officer has advised the foreclosure that should have been off my record since 2012 is prevented me from getting a FHA loan. I received a letter saying XXXX broke the law by mishandling my case so not sure why this foreclosure should affect my loan
Product: Credit reporting or other personal consumer reports

I have not requested these companies to access my Equifax consumer reports. They have committed identity theft by not getting my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ;
Product: Checking or savings account

I would like a proper, truthful response to my statements, not false claims. Since US Bank has not properly responded, and continues to not respond, I am restating my issue. Please see attached documents and refer to statements therein.
A key point is : The 'VBO ' or 'Virtual Banking Operations ' signature card request that US Bank claimed they asked for and needed was neither asked for nor apparently was needed. My account, which they stated beforehand was open and functioning, only needed my verbal request to actually become active to remove on XXXX/XXXX/2016 ( see my letter ). This is in direct contradiction to their statement that I still needed a signature card on XXXX/XXXX/2016 ( see US Bank 's response letter ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.
Product: Credit card or prepaid card

1.I have never had an account with this company CB/TORRID XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/TORRID the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

American Express ( AMEX ) has misled me as an investor and has caused me financial harm, this includes securities fraud, breach of fiduciary duty, and deceptive practices. My interactions with American Express have been marked by their failure to redeem my registered debt securities as tender of payment, as well as their non-compliance with their own SEC filings. 

On XX/XX/year>, I sent AMEX a negotiable instrument as tender of payment, with instructions, in the amount of {$530.00}. However, my account was never credited. On XX/XX/year>, I sent AMEX another negotiable instrument as tender of payment, with instructions, in the amount of {$1100.00}. An amount of {$1600.00} appeared in dispute, however my account credit was never issued. 

I have since received this notification stating, We recently received an American Express payment coupon which appears to have been modified to be used as a payment instrument. We can not honor a payment coupon as a form of payment for the above referenced account. 
I respectfully disagree with this determination. 

I know my payment coupon constitutes a valid form of payment as my negotiable instrument is an eligible investment according to AMEXs SEC filings. Furthermore, in accordance with UCC 3-604 ; any rejection, surrender, or mutilation of an instrument deems the debt discharged. In accordance with UCC 3-603 ( b ), if an instrument is rejected, liability of said instrument is relieved from any interest and any expenses arising from the rejection, and the recipient must return the instrument. To date, my negotiable instruments have both been rejected, but not returned. This constitutes discharge of the debt from my account.

Additionally, I believe these violations constitute a violations of 12 CFR 1026.12 and 1026.13. American Express 's refusal to accept a valid negotiable instrument deviates from their standard practice or stated policies and is unfair. According to 1026.13, American Express is required to investigate and resolve billing errors promptly. Failure to do so would constitute a violation of this regulation Moreover, their response does not address the core issue of my right to redeem the negotiable instruments as specified in their indenture agreement and UCC regulations. It also does not provide a valid reason for rejecting the payment instrument other than stating it was a modified payment coupon, which is unfair, deceptive and misleading to me as an investor. This also contradicts their fiduciary responsibility to honor eligible investments as tendered payment.
Product: Credit card or prepaid card

I applied with Chase bank for their Southwest Airlines mileage card. The application was at the beginning of XX/XX/2022. In the online application process, their webpage leads to me a message page that Chase will send me a mail telling me the application decision. However, after one month, I haven't got any decision from Chase. Also, don't see any reason for decline or adverse action reasons. 

I applied for the same card with Chase last year. It was also in the same situation : Chase never sent me any decline reasons or decisions in the mail, email, or web communication. 

They can not just simply ignore customers or decline without sending adverse action.
Product: Debt collection

FAMS contacted my placed of employment and informed my co-worker personal information about me and that I have unpaid loans. My co-worker informed the caller these types of calls are not allowed and gave the caller with my permission my personal cell phone number. On another occasion a FAMS employee pretended to call to verify my employment and personal information about me for an " application I submitted ''. When my co-worker became suspicious because the caller was becoming rude she transferred them to my supervisor. My supervisor did not feel comfortable giving the caller the information they wanted after the caller would n't verify who they were so he referred the caller to our company supervisor. Then I received a call from our HR department informing me they received wage garnishment papers from this company for XXXX % of my paycheck. I got the company name and number from the paperwork. I called and was transferred to a man who was rude from the beginning. He stated they have called me numerous times on my cell and have not made contact. Which I have never received a single call or mail from this company. I informed him the address he has is incorrect and I have not lived there in over 5 years and that the name he is using is my maiden name. He argued it is my fault my wages are being garnished and that I should 've kept my name, address and phone number up-to-date with them. And since they never received a returned letter that it 's my fault they did n't have current contact information for me. He stated he does n't know the original debtor but that the loan from 2003 came from XXXX and is now at {$9000.00} due to interest but he ca n't tell me the original amount owed due to the loan being consolidated at some point in the past. He had no interest in updating my contact information, resolving matters with me or helping me get the correct forms that verify the debt owed and debtor owed. He very smugly stated several times that all will be resolved now that my wages will be garnished. How can a company who wo n't verify a debt or debtor? Wo n't communicate with me? And violates third party disclosure now garnish my wages for an unverified " owed debt ''?
Product: Credit card

Barclays Bank sent me a letter that my account is delinquent, I don't have a Barleys Bank Account. They said they were going to download my XXXX score but there was no amount on the owed column. I think this is a scam, I don't have or want an account with them.
Product: Mortgage

RE : Sun Trust Mortgage Loan # XXXX Loss Draft Dept. XXXX ATTN : XXXX XXXX. Box XXXX XXXX, VA XXXX My house burned down in XXXX XXXX in California XX/XX/XXXX. At the time we had a mortgage principal with Sun Trust Mortgage Co. of {$200000.00}. They withheld this amount, which I understand and have no problem with. 

According to the mortgage companies own written policies they return {$40000.00} or 20 % of principal balance when reconstruction begins, 50 % of remaining balance when half way through construction and the last 50 % when construction is complete. So far no problem. 

We started reconstruction in XX/XX/XXXX at which time I requested that they release the first {$40000.00} in compliance with their own policies. It is now mid XXXX and I have called them 12 times to follow up on when they would be releasing the funds. Every time I call I am told they need more documents which were never mentioned previously, I dutifully send to them. 

They frequently say they do have all the documents and I will receive a check within 3 to 5 business days. Nothing happens, I call back and now they need more documents that were never previously mentioned. 

They never contact me to tell me they still need more items that they never mentioned previously. I wait a couple of weeks to give them time to send the money then I call back and am told again that they need something else. Every time I call it results is about an hour or more of my time when they put me on hold, consult with other people, get cut off and have to try to contact person I was talking to again. Not possible. Of course, they never call me back even though they repeatedly confirm my phone number. I have spent hours on this effort. 

On XX/XX/XXXX my attorney sent them a letter to no avail. 

This company is inept and poorly managed. The people on the phone are always very polite and seem to be trying to help but never successful. I can only conclude that management doesn't care enough to staff and train personnel or they are deliberately trying to stonewall refunding my money. 

The thing I fear most is when we need to make the final payment to the XXXX and we get this run around trying to have the final funds released. The XXXX shouldn't have to wait for his money but we will have used up all the money we had and be down to the last {$80000.00} which is at Sun Trust.
Product: Checking or savings account

PNC not allowing bank account to be linked to XXXX account.
Product: Credit card or prepaid card

received notice dated XX/XX/2019 that the closed my account due to the number of inquiries that was obtained from XXXX credit bureau report. this card was pre approved and only had it for 1.5 to 2  months.
Product: Credit reporting or other personal consumer reports

As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX XXXX and the correct address should be " XXXX XXXX XXXX XXXX XXXX, CA XXXX '' Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX the following inquiries were not authorized 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 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 XXXX XXXX XXXX XXXX
Product: Mortgage

I have an escrow account through PennyMac. PennyMac failed to pay a Property Tax bill that was due on XX/XX/2020. PennyMac paid the bill after I called in and reported the missed payment, but I had to pay for the penalties for their mistake.
Product: Credit card or prepaid card

Received card - Terms were to make {$500.00} in purchases to get {$150.00} back - Also had balance transfer offer. Made purchases, used Wells Fargo App to ensure all transactions were posted to account. The app shows details like Transaction Date and Posting Date. I reviewed ALL transactions, and they ALL showed that they have been posted to the account a minimum of 24 hrs prior. So, I made payment in full, which posted a couple days later. I happened to look back at my app and it showed a new balance of {$140.00}. When I called Wells they told me that it was still part of my charges that were posting. I asked why they had all shown posted to my account via my app a full 24 hours prior, why would I still have outstanding transactions. The response was that even though they show posted to my account, it takes 1-3 days to HARD POST. Three separate levels of reps told me this. I asked if the words HARD POST were explained or even present in my Cardmember Agreement, they said it was. Upon a search it was revealed to in fact not be in my agreement and any language could not be found around hard posting times. 

This is a deceptive practice, I was presented with a total balance, and confirmation that all transactions had posted, I made payment in full. Then a couple days later, without any further use of my card, I have a new balance. All this activity was well before any statement date, so if I had not done due diligence in checking my account again, I would have interest billed that I was not expecting or planning for. 

When I asked if they thought that was clear to the Customer, I received a canned answer that it is my responsibility to review my statement each time. If I paid my account in full, with all transactions showing posted, and did not use my card further, all before any cycle date, why would i need to review my statement!? As you read this, I hope you can understand my position and why this is totally deceptive. 

I filed a formal complaint with Wells CASE ID # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center Dear : Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

XXXX XXXX  - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX