23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Paying Equifax XXXX/yr for their " Complete Premier Plan '' and the score provided using their " Equifax Credit Risk Model '' is providing me with incorrect Credit Score ''. I want a Class Action Lawsuit brought against all XXXX Credit Bureaus for using so many scoring models the Consumer really does not know their correct score. Also, they should be required to delete any collections, judgements that have been paid. What they are doing is continuing to punish consumers for 7 years AFTER a debt has been paid. There are many more issues that need to be handled by the CFBP probably requiring Congressional Regulation pertaining to unfair rules set by Banks, Lenders and all XXXX Credit Bureaus. 
Please Help!
Product: Bank account or service

I opened a checking account years ago and did not realize that it had a monthly fee attached. Unfortunately, I never got XXXX email or letter from the bank until almost three years later when I got a letter stating that my account was overdrawn. Since I had never used the account ( and frankly, forgot about it XXXX, I was concerned that someone had fraudulently gotten my acct. number and had drained the account. When I called customer service, they told me that I had been charged {$9.00} for the last XXXX years. If I ( or anyone for that matter ) were aware that they were being charged a monthly fee for years without ever using the account, I would have changed the type of account or closed it. When I said I had never gotten any statements or notifications, they said that I had access online and furthermore, email notifications. I had never gotten XXXX single email or letter from Citizens in all that time. They told me my email address ( and it was incorrect - off by XXXX letter ). After speaking with several customer service representatives, they best they could do was to refund two months of fees. The motto, " Good Banking ... Good Citizenship '' should be changed to " Good Banking ... Good opportunity to steal our clients ' money! ''
Product: Checking or savings account

Received the requested affidavit of endorsement 8 MONTHS after it was requested, meanwhile the bank was holding the deposit of {$1400.00} and assumed I was a criminal so only after months of hounding and filing compliants was it received. BMO bank has had the notarized form for 1 week and they STILL HAVE NOT CLOSED THE ACCOUNT AND RELEASED MY MONEY. I can't get a contact phone number and XXXX XXXX in fraud to confirm the account has been closed and funds sent. This has been going on since XXXX OF XXXX. WHY CANT I GET ANY HELP HERE??
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to look into my account for XXXX. The account is still on my credit even as it has been more than seven years. The account was opened in 2011 and it is still on my account. Can you please help them to see that this account is not suppose to be on my account and even as I live in Georgia.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DISCOVERBANK, I am writing to address a concerning violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX Missouri identity theft fraud laws. 

It has come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

While acknowledging the importance of federal law, XXXX XXXX Missouri identity theft fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and displaying a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that DISCOVERBANK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX Missouri laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. 

XXXX XXXX recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.
Product: Debt collection

I got a phone call from Receivable Performance Management stating XXXX XXXX had reported debt in my name to their agency in the amount of {$69.00}. Although I had canceled my XXXX XXXX account a year ago and physically went to their office paid my account to {$0.00} with confirmation. RPM collection agency advised me to pay it to avoid the account going to collection then reach out to XXXX XXXX to determine where this amount derived from and dispute it with them. XXXX XXXX has stated legally they can not tell me anything about the account since they passed it off, and RPM has stated the same. This is very poor practice and seems like a way for companies to rip off consumers and create fake write off 's to the IRS. Especially for folks who are concerned about credit, pay on time and they know we will make the payment even if it is not accurate to avoid a collection that could cost us more in the long run.
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX XXXX and XXXX Account # 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. 

Account and Account Numbers listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and XXXX states patient is resp does not mean a patient is resp. If XXXX has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with XXXX different facility names that is still double billing. I now my rights as far as biller goes and I know when a XXXX is a duplicate claim. I have notified our health insurance with this issue let them know that we are being sent to collections and this is a white collar crime and my civil rights are being abused and this is fraud. Per our XXXX it states clear as day on it that charges exceeds the area 's usual and customary charge amount. I notified our health provider multiple times and they even stated they are billing way to high for a bill that has been paid more than what was allowed. and now collector and hospital are trying to collect in error.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. The completed FTC Identity Theft Report. Copies of my identification documents. Any additional information requested by your office. Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 
It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I opened checking account XXXX with a {$500.00} deposit, based on an offer of receiving {$200.00} through an advertisement sent to my address. Upon opening I used the code XXXX on XX/XX/2020.
Product: Credit card

I was an victim of Fraud since XX/XX/2022, I informed Chase bank fraud department to where they only took initiative to credit half of the charges to which theyre trying to make me pay for the other half that was fraudulent. Ive been sending them documents proving Im a victim for over a year to which they keep denying and stating the charges are valid. I dont understand if Im the victim and been sending proof why are the charges still valid? Ive sent over police report, including other documents from other credit card companies showing proof as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the 3 credit bureaus ( XXXX XXXX, & Equifax ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, XXXX   & Equifax respectively on XX/XX/2018 ( letters 1 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18 & XXXX : XX/XX/18 ( letters 3 ). 

Equifax : XX/XX/18, XXXX XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, XXXX, and Equifax to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Bank. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported in to be removed.

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. 

XXXX 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! 

Delete the late payments from my consumer reports
Product: Checking or savings account

XX/XX/XXXX Attempted to login to my XXXX XXXX  savings account to check the amount as a normal morning routine. I was denied access with a message stating This user is currently XXXX. Please contact your financial institution to re-enable this user. 
Contacted XXXX XXXX  on XX/XX/XXXX at XXXX est and XXXX. Both attempts the call was cancelled. Contacted XXXX XXXX at XXXX XXXX and no representative available ( on hold ). Called again at XXXX XXXX  and spoke to a representative at XXXX XXXX XXXX Found out my account was on hold/freeze due to fraudulent activity. Representative told me that I will be contacted within 3-5days by the security department. 
Today XX/XX/XXXX Called everyday from XX/XX/XXXX on the status of my account due to me needing my funds. Each representative told me they have no phone number or contact information to the security office. I have not been contacted by the security office via email, text, or phone on the reason ( s ). XXXX XXXX representatives are not able to tell me why or provide reasons on why my account of on hold. 
I have escalated and filed a complaint 3-4 times already with the XXXX XXXX representatives ( as they suggested ) and still no response from their security team. 
I have two savings accounts with XXXX XXXX XXXX account had an estimate of {$13000.00} and the other account {$3500.00}. 
I had direct deposit going into the account from two of my employers one was XXXX XXXX of {$2500.00} a week. My other employer was XXXX of up to {$13000.00} a month. I work both jobs full-time and I am in the XXXX XXXX My initial deposit of opening the savings account with XXXX XXXX  was {$20000.00} from my late mothers passing.
Product: Mortgage

Wells Fargo , whom we do not and never have held a mortgage with, erroneously paid our   XXXX     XXXX   XXXX   property taxes and is seeking reimbursement. I confirme d Wel  ls Fargo m ade the payments with the   XXXX   XXXX   XXXX   XXXX   XXXX  . On   XXXX    , a  Wells Fargo  Claims Processing Representative explained our tax ID # is similar to  one of Wells Fargo 's customers ( differs by a digit ), thus, Wells Fargo paid our property taxes in error. Based on internet research, Wells Fargo has made many errors in regards to property tax payments.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of These fraudulent accounts include personal credit card with XXXX XXXX XXXX on XXXX, apartment with XXXX XXXX XXXXXXXX that lead to collection with XXXX XXXX XXXX on XXXX with a balance of {$2200.00}, with XXXX XXXX that led to XXXX XXXX XXXX XXXX ) and XXXX XXXX on XXXX with a balance of {$390.00}, a personal credit card with XXXX XXXX  XXXX with a balance of {$970.00}, a personal loan with XXXX XXXX on XXXX for a balance of {$1500.00}, a subscription of XXXX XXXX that led to collection with XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$370.00}, an auto loan with XXXX XXXX  that led to collection with XXXX XXXX XXXX with a balance of {$8000.00} and XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax needs to correct the inaccuracies on my credit report to ensure that only accurate and verified information is reported. The name " XXXX XXXX XXXX '' should be removed, as it is an incorrect variation. My correct name is " XXXX XXXX XXXX. '' Furthermore, the address listed as " XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX '' is incorrect. The accurate address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, '' which properly reflects the floor unit. The report also incorrectly states that I am self-employed. My correct and current employer is " XXXX XXXX XXXX '' These inaccuracies violate the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be reported. Failure to remove these details may result in willful noncompliance under 15 USC 1681n, allowing for damages up to {$1000.00} per violation.
Product: Checking or savings account

On XX/XX/year>, I called to close my US Bank Bank account because I had just opened a XXXX  account with XXXX XXXX and I didn't plan on banking with US Bank anymore. The person we called to close the account said that they would mail me a check with the remaining balance, and that we would receive the check in XXXX business days. Once XXXX business days have passed and since then I have called US Bank multiple times regarding the situation. Every single time I call they either tell me to wait longer, or some other reason. The last update I got was around XXXX weeks ago when I called to talk to a XXXX. They said they would send a paper for me to sign that would cancel the check so they can issue me a new one. They said that would arrive in XXXX business days, but over XXXX business days have arrived and we have yet to receive any mail at all from US Bank XXXX My closing balance was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.