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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Account with the last 4 numbers of # XXXX with the collection agency XXXX XXXX XXXX XXXX shouldnt be reported, Id like for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification back after that no other response was made to me.
Product: Checking or savings account

Someone fraudulently used my account to purchase {$170.00} worth of goods on XX/XX/year>. Chase claims, " We partially denied the claim for {$170.00} as the merchant provided evidence of payment, and the name, billing address, email, and phone number all matched. '' However, someone illegally gained access to my XXXX XXXX account and used my billing information, but I have provided proof that the goods were shipped to an address that I have not lived at, nor do I have ANY association with. 

I did not realize I could upload proof, and did not do so on complaint XXXX
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part.
Product: Checking or savings account

My checking/savings account has been restricted since Sunday, XXXX XXXX. 

This is the history of my calls : Sunday PM : As soon as I got the notification of my account restriction, I called customer service. The representative initially said the reason was a {$13.00} transfer I initiated. I explained that I was not familiar with that transaction but had initiated a transfer of {$13000.00} to my XXXX account, not {$13.00}. The representative insisted it was {$13.00}. I asked him to count the zeros, but he still insisted it was {$13.00}. I agreed that I was not familiar with that amount, so he logged that I had a transaction I was not familiar with. 
Monday Morning : I called again for an update. The representative said my account would be closed due to the unfamiliar transaction. When I clarified which transaction, this time the representative said {$13000.00}. I recounted my previous conversation, and he then said there was no need to close and reopen my account. However, my account remained restricted. 
Monday Afternoon : I called again for a status update. They logged it and stated that it was still under review. 
Monday Night : I called again, and this time the representative explained that I was in violation of terms and agreements. Apparently, I have had a SoFi account for 8 months, and my fianc 's direct deposit is not acceptable since this is not a joint account. I asked how to fix it, and the representative said someone would call me back. 
Tuesday Afternoon : With no update, I called again. I mentioned that I had a direct deposit coming in on Wednesday, so the representative removed the deposit restriction so the funds could go in. However, the account restriction remained, and no one had called me yet. 
Wednesday Morning : I called again and still received no update. 
I have a mortgage to pay and funds in my account, but SoFi is not letting me access them. I want to close my account, but I can not with this restriction. I am in desperate need of help to resolve this ongoing restriction. It has been days, and I need the funds ASAP.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and see that my wife 's credit card with discover is negatively reporting on my credit reports, showing collections and XXXX x XXXX  days late payments. I was an authorized user a

t one point. I called discover to a
sk them to remove it, I also provided them with my social security number and they can not find any account associated with my SSI number. 

They looked up my wife 's account, they do not show me associated with her account. After speaking with a supervisor they told me my only option was to go to CFPB to have it removed as they do not have the power to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 card or prepaid card

XX/XX/2020: ( 1 ) BOA notified ( through my cell phone ) suspicious two transactions on my BOA Visa Credit Card ( Account ending in XXXX ) at XXXX  store in XXXX XXXX, CA : {$200.00} ( reference # XXXX XXXX and {$200.00} ( reference # XXXX XXXX. 
( 2 ) BOA also notified ( through my XXXX  cell phone ) suspicious two transactions to her BOA Visa Credit Card at XX/XX/XXXXstore in XXXX XXXX, CA : {$200.00} and {$200.00}. 
( 3 ) I immediately reported that both my credit card and my XXXX credit card were stolen from our automobile while we were hiking. 
( 4 ) We did not report to police since the car were not damage and nothing were missing inside the car except an {$100.00} bill and credit cards. 

XX/XX/2020: ( 1 ) BOA credited the two fraud transactions ( {$200.00} and {$200.00} XXXX to my BOA account. 
( 2 ) BOA also credited the fraud transaction to my wifes BOA account. 

01/14/2021 : ( 1 ) BOA informed me that they were unable to approve your recent fraud claim. ( see attached ). 
( 2 ) BOA did approve my wifes fraud claim. 

XX/XX/2021 : I called BOA credit card office ( after waiting for almost an hour and were transferred to several agents ) to inquire about the case. They were not able to help in resolving the case and insisted that the chip was read, your PIN was entered, and/or your signed for the merchandise or service, which indicates your or someone you allowed to use your card was present. 

XX/XX/2021 : I filed a complained regarding to the case to the Office of the Comptroller of the Currency ( OCC ), Case # XXXX Bank of America , National Association. 

XX/XX/2021 : XX/XX/XXXX of the OCC wrote me that the issue no longer falls under the direct jurisdiction of our office. The case is referred to the Consumer Financial Protection Bureau XXXX CFPB XXXX.
Product: Debt collection

I received a letter stating RMS was collecting a debt for XXXX XXXX XXXX XXXX. It states I owe {$290.00}. I called XXXX and gave them the Acct No and the Reference No in the letter. XXXX supply chain says neither of these exists and believes the letter and company are fraudulent. I tried to call the number on the RMS letter XXXX XXXX XXXX XXXX, but all it does is put me on hold with music playing and after 10 minutes says they are too busy and disconnects.

On top of this, they also called my cell phone and tried to get me to pay over the phone. 

The company says it is RMS : The Receivable Management Services LLC. 
Acct No : XXXX Reference No : XXXX RMS says their address is XXXX XXXX XXXX  XXXX, MI XXXX
Product: Credit card

On XX/XX/2024 I called Capital One on my credit Card and spoke with XXXX and asked why my payments are being putting on hold. I have not ever missed a payment nor have they updated my billing statement. They also confirmed they have not had any issues with my bank. I keep getting the " run around '' with no details on why the payments are put on hold or why my statements and my balance on my credit are not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.
Product: Debt collection

they continue to call me and people i know to collect rental debt resolved in court
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXs reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Product: Debt collection

Received a call from a group identifying themselves as XXXX XXXX XXXX  group in CA from XXXX said they were trying to resolve a {$5000.00} delinquent Bank of America credit card they stated from XX/XX/XXXX I have never had a card with Bank of America. I told them that and he stated I would be facing legal ramifications. I called Bank of America and confirmed they had no account in their system from me currently or previously.
Product: Credit card

I 've been a Citi credit card member for years. In XXXX 2016, I was late for my payment ( due on XXXX XXXX ) because I thought I already scheduled a payment but actually I did n't. When I realized it, I paid all my balance on XXXX XXXX. Since this is the first time I was late for my payment, I was hoping Citi can waive the late payment fee as a goodwill to a customer who is always making payment on time for years. I called the customer service and was told they can issue a credit for the late payment fee after the payment is posted. But when I called them again, XXXX days after the payment posted, I was told they ca n't have the late payment fee waived or credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breech : Now I have to freeze all three credit report accounts for {$10.00} each.
Product: Credit card

To Whom This May Concern, XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( XXXX ) communicating with me through email/text/calls. I would also like to request the purchase agreement between XXXX and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.
Product: Debt collection

XXXX XXXX {$710.00} i did speak to someone about this being on my credit report i let them know i have no knowledge of this accounts and i also asked for a wet seal letter and was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Affirm certified to XXXX on XX/XX/year> that their reported balance of {$1200.00} as of said date, is accurate when the balance was disputed by me on XX/XX/year>. I paid the balance in full on XX/XX/XXXX leaving a zero balance with Affirm. On XX/XX/XXXX, Affirm sent an email confirming the payoff of loan id XXXX. XXXX  dispute dept has told me thru a phone conversation that there is no law against Affirm certifying a false balance and the only thing that XXXX can do is re-open the investigation which will result in the same outcome. Is this what our credit industry is based on? Lies? If there is no way to ensure accuracy on a system that is used for the sole purpose of increasing how much interest a lender can get away with charging, then it is nothing more than thievery!
Product: Debt collection

I received postal mail from " XXXX XXXX XXXX '' ( in California ) indicating that I owed a debt to a company I did not recognize and referenced an address I hadn't lived at for 13 years. When I emailed the company to dispute this debt ( using the email address from their site ), the email was rejected : Address not found Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. 

The contact page on their site directs you to XXXX XXXX XXXX in Colorado. 

I check my credit report monthly and every year, I check alternative credit reports for anything else. I've never heard of this EZLOAN When I get in to my " account '', this is what it says : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ORIGINAL ADDRESS : XXXX XXXX XXXX XXXX XXXX, ID Creditor : EZMONEY XXXX ID : XXXX Balance : {$840.00} PENDING LEGAL ACTION IMPORTANT : Your account has been internally flagged with an attempt to commit fraud due to an NSF ( ACH ) item. 

IMPORTANT : Your account is scheduled to be reported to the credit bureaus.
Product: Checking or savings account

On XX/XX/2023, I discovered I was hacked when my card was declined trying to make a purchase. I then checked my account and saw the transactions. Although notifications were turned on, Capital one didn't notify by any means of any activity, including suspicious activity. I never got notice about any returned check. 
They refuse to refund me, and closed my accounts against my requests. I provided all the proof I could including the police report. The person who was using my bank account, which we don't know who it was, was cashing multiple {$700.00} checks into my account which then bounced, leaving me at $ XXXX in my checking account. Capital One refuses to help me and instead took money out of my savings account without my knowledge or permission to pay back the debt I was put in by the hacker. I am being held responsible and am being punished when I am the one who was hacked and I have spoken to about a dozen different representatives, supervisors and such from Capital One and no one has been willing to help me.
Product: Student loan

Received a call from Navient 's Recovery department on XXXX XXXX, 2015 explaining to me if I did not accept XXXX of XXXX deals by Monday, XXXX XXXX, 2015 they will proceed with filing the paperwork to put a lien on the house and garnish payroll. 
I tried explaining to them that I do not have the money and explained to them what I can pay monthly and they did not want accept. So again the threats continued explaining all assest will have a lien placed on them by Navient if XXXX of the XXXX plans are not accepted. 
We placed the loan on forbearance not understanding what she dummed down for me now, was that the loan would XXXX if we place it on forbearance.
Product: Bank account or service

I am submitting a complaint in regards to my personal checking account with US Bank. My account was overdrawn twice between the dates of XX/XX/XXXX. I made a deposit on XXXX XXXX and the balance in my checking did not appear as more XXXX on that date and nor did the daily text alert on my phone registered as my account being overdrawn more than XXXX. The following Monday on XXXX XXXX I check my account it seen it was overdrawn by XXXX and I check the transaction and notice the discrepancy. I contact to US Bank and spoke to a representative I which he refuse to waive the overdraft fees stating it was valid. When I explain to him I was not given the correct balance information from the ATM machine and daily text alert. He informed the text alert is not real time information but up until that date every representative assure me it was. I encounter this same problem back in XXXX of this same year, and when I went into a branch a banker waive the fee once I show him the information I have received as far as account balance. The representative informed me to go into branch for farther assistance. I went into a branch located in the downtown area of XXXX, Il. I spoke with a Branch Manager after XXXX minutes of digging through my account and asking me various questions that did have not anything to do with the issue I present to her refuse the waive the fees due to the discrepancy and through to admit it was a valid discrepancy. She proceed to tried to sell me a line of credit and than a secure credit card, which I found to be distasteful at the least. I think it was unfair not to waive the XXXX overdraft fees and especially after the branch manager herself stated it was a valid discrepancy but stated if they refuse to do it over the phone I am not doing it neither because you had XXXX in overdraft fees waive within a year which I know to be untrue. I had to file a fraudulent claim in XX/XX/XXXX and still have the documentation to support it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with XXXX   and Experian multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from XXXX stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from Experian. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told XXXX and Experian in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.
Product: Mortgage

Hello, I've applied for a refinance of my mortgage 5 months ago. Less than a month into the process I was approved with conditions. I paid for an appraisal and application fee and i have yet to close on my loan. I've asked the Loan officer and LOA numerous times about the status of my loan. They have not responded to my contact with clear guidance or not at all. My lock has expired for reason not placed on myself. I completely understand the pandemic, holidays, and all but this is not acceptable.