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 submission, 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. Sub Section 1681 ( I ), which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C Subsection 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
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 Autopay. 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 60 days 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 XXXX
Product: Mortgage

XX/XX/XXXX, I secured a mortgage with Bank of America ( FHA Home Loan ) as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. In XX/XX/XXXX/XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a full-time student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

The result is that BofA made over {$1000.00} off me, without providing any benefit and knowing the likelihood of having it 's services used under its narrow parameters was marginal.
Product: Debt collection

This company calls me multiple times a day starting the day after the bill is due. My bill is due on the 1st of the month and they give no grace periods before they start harassing phone calls. I hardly ever get paid on or around the 1st of the month so they call me constantly starting on the 2nd of the month. Today is XX/XX/XXXX and it's not even XXXX ; I have already received 4 phone calls today alone!! Its frustrating, harassing and annoying to be called so many times a day. Not only that but they dont leave messages either, just constant calls. Up until XXXX I was up to date on my bill and have never been more than a month behind ( a few days or a couple weeks at the most, maybe ) so to be called so many times daily is beyond annoying. This is harassment and is ridiculous business practices.
Product: Debt collection

National Credit Systems called out to me multiple times. I asked for them to verify their license number and agent refused. stated that where will be no change to my credit because I didn't pay rent. I checked online and National Credit Systems IS NOT licensed to collect in XXXX at all. 
XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Mailing Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX letter will be sent in mail this week, This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( XXXX ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
Product: Money transfer, virtual currency, or money service

A guy on XXXX saying he is selling XXXX  skins. I paid him XXXX  dollars. When he received the money he blocked me on XXXX and never gave me my skin. How can I get that money back it was my XXXX year old sons he is heart broken. His name on XXXX is XXXX XXXX XXXX XXXX @ XXXX and his so called pay pal name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX AM XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX  XXXX Balance {$5900.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX  XXXX : {$2200.00} XXXX XXXX : {$7300.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Why are they not honoring my scra benefits for the current line of credit? The scra should apply to the entire life of the loan which I have had since XXXX until present. 

I receive the loan in XXXX and I went on XXXX XXXX XXXX  in XXXX.
Product: Bank account or service

Hi, This is regarding Netspend which offers XXXX dollar bonus to both the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have referred my wife and she has ordered new card and loaded that card as well with XXXX dollars. However, neither me nor my wife have received any bonus now. I can see online as well that my referral that she has loaded her card. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. We have met all the requirements for the bonus but we have not received the bonus.
Product: Mortgage

More than a month ago, I submitted a complaint to your office against Guidance Residential. I was driven by my believe that the information they provided me regarding their rejection of my refinancing request was vague and contained discrepancies. 

However, it never passed my mind that submitting that complaint would lead to Guidance Residential deciding not to answer my emails or fulfill my request to replace my accountant. 
In other words, to start a boycotting campaign against my legitimate requests and communications. 

XXXX XXXX XXXX, my accountant, asked me in a phone conversation to pay off a particular credit card in order to qualify for the refinancing, so I obliged. Since then, I have paid almost XXXX to reduce my debt, and my credit score is XXXX right now, but there is no one to handle my legitimate business and speak with. 

They left me in a total limbo during a very stressful period. 

XXXX XXXX didnt answer any of my messages since my first complaint except sending me one message in which he informed me that his mom had passed away, and he also made a statement in XXXX indicating that he thinks that l have been unjust towards him by submitting that complaint. 

I still have said message. 

I have sent a request to the company asking to speak with to a manager and for a new accountant, but it fell on deaf ears. 

After several very difficult attempts on XX/XX/XXXX, I was able to get hold of XXXX XXXX XXXX, who is a regional manger and whom I believe is behind this wall of silence that the company has presumed against me. 

XXXX XXXX said that they are in process of addressing my complaint, but how could that be when no one is responding to my emails and phone calls!? 

He promised to look into my issue personally, but has yet to reach back out to me. 

The following day I called him to ask him if during their preparation to answer my complaint as he mentioned they are prohibited from contacting me, but he didnt answer, so I left him a message. 

Its hard to believe that not even one email was answered or a phone message and not to tie the reason to my initial complaint. 

I had to resort to a friend of mine to seek his help by speaking to his accountant, XXXX XXXX XXXX, to mediate between the company and I and to encourage them to have a peaceful dialogue by explaining to me the process of accepting or rejecting a refinancing request and also to assign me different accountant, but even this way didnt work. 

Ive lived in the United States since XXXX, and in all that time I have never been humiliated and insulted by a business like Ive been with Guidance Residential. Their wall of silence and inaction built against all my complaints and legitimate requests should not be practiced by a company that claims to be based on Islamic values and compassion. 

If I can not come to a peaceful and substantial resolution with Guidance Residential, I will have no choice but to seek legal action. I really wish to avoid that, but I will be forced if I cant have my basic needs met.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, In the year XXXX during the global pandemic there were 5 late payments published to my credit report. I sent in a Hardship letter to XXXX XXXX XXXX asking for my late payments from XXXX XXXX XXXXXXXX to be forgiven do to what I thought was the obvious as most of the world was not working and behind on obligations. I was not able to handle my obligations, however as soon as I was employed in XX/XX/2020 I quickly worked to diligently get back on track and handle all of my obligations as I have not had any late payments since then. I satisfied my obligations with XXXX XXXXXXXX XXXX  and they closed my account. I am a XXXX Veteran of the United States XXXX and I already have many other challenges on a daily basis with my body and mental health. This challenge I face here with these late payments on my credit report has hurt my ability to obtain credit and buy a home. I've asked for empathy and compassion to be given another chance to regain control of my life. Please and Thank You.
Product: Credit card or prepaid card

On XX/XX/2018, I went to my local Capital One branch to inquire about opening up a credit card with Capital One. I had already had the Signature Card through Capital One but was not receiving any benefits or rewards with this card. I was inquiring about two different cards, the Quicksilver Card ( a cash back card ) or the Venture Card ( a travel rewards card ). 
I met with an employee named XXXX at the local branch who said I should open up both cards. I was reluctant because I have excellent credit and I knew that opening up two credit cards at once was not a good idea. XXXX then suggested upgrading my current Signature card to a rewards card and I would still receive the benefits and rewards. The rewards with the Quicksilver card, according to XXXX, were 15 months of 0 % interest, and a {$150.00} bonus, if I spent {$3000.00} in the first three months. I was hesitant because {$3000.00} seems like a lot of money to spend in three months but XXXX assured me it was doable. XXXX then called the Capital One Corporate office to check that this was possible, which I later found out that was strange that he even called, he should have been able to upgrade my card right from his computer. 
After receiving the card in the mail, about a week or two later, I did as I was supposed to do, in order to get the {$150.00}  bonus. Upon checking my credit card statement in XX/XX/XXXX,  I noticed an interest charge of {$66.00}. Confused, I called Capital One. I was then told that I was not eligible for the rewards that I was originally promised by the Capital One employee XXXX, as this was an upgraded card. I was never told ( by XXXX nor the Capital One employee on the phone that day ) that the rewards were only for new card members. I even spoke to the Capital One Corporate employee that day on the phone after XXXX did, and nothing was mentioned about the rewards not being available with an upgraded card. Had I known that, I would have just opened the Quicksilver card on my own, as I said, I have excellent credit. When I was read the vague disclaimer by the employee on the phone that day, she mentioned that there would be a change in my rewards after upgrading the card, but I thought this meant that I was going from having no rewards with the signature card, to actually receiving rewards with the Quicksilver card. Never once was it mentioned to me that I was not eligible for the rewards. 
Now I have racked up a {$3500.00} credit card bill originally under the impression that I would have 15 months to pay it off but Capital One clearly has employees that are conducting deceptive business practices. After many conversations with multiple different corporate employees as well as local branch employees, this seems to be going nowhere. I have asked Capital One to review the case and they have denied my appeal to receive the 15 months at 0 % interest. Most recently, I was told that the case is closed and that I can no longer file additional appeals to have this case reviewed.
Product: Bank account or service

I opened a checking account with XXXX ( Synovus ) as they were offering a {$200.00} new account bonus and fee free checking. There were a few stipulations which I met such as Online bill pay, debit card use and Direct Deposit. I indicated at the time of account opening that my Direct Deposit would be via an ACH from my other bank account as I was self employed. Iwas told that this would be okay. Indeed, I use this same method to make ACH deposits to another account I have so as to avoid monthly fees. 

On the first full statement cycle, I was charged a $ XXXX monthly fee. I indicated at that time that if the bank would not honor their commitment then I would close the account. I was delayed in closing this account as there were a couple of pending debit transactions. Subsequent to that, I was charges additional fees because they would not close the account in a timely fashion. 

I have asked the bank to : 1 ) Refund all of the fees charged to me on this account as they did not fulfill the agreement with me about the bonus and the fees. If fact they charged additional fees. 

2 ) Amend their promotional documents to clearly state that ACH does not count as a direct deposit. The bank also needs to train their employees such that they clearly understand the promotional requirements and can communicate same potential customers.
Product: Credit reporting or other personal consumer reports

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with Experians handling of my credit disputes and their lack of transparency in verifying disputed items on my credit report. Despite my multiple dispute submissions on XX/XX/year>2024, XX/XX/scrub> 2024, XX/XX/year>2024, and XX/XX/scrub> 2024, Experian has repeatedly marked these disputes as " verified '' without providing any documentation or proof of the investigation process, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to a transparent and thorough investigation into the accuracy of each disputed item. This includes Experian providing all records related to their verification process, including communication logs with creditors, the specific steps taken to verify each item, and any findings that support their decision. Experian has failed to fulfill these legal requirements, which compromises the accuracy and integrity of my credit report. 

Given Experians failure to provide verification evidence, I am requesting that Experian : Supply all records and documentation for each disputed item, detailing the investigation process, communications with creditors, verification steps, and relevant findings. 
Suspend reporting on any disputed items until a proper investigation is completed and verifiable documentation is provided to ensure their accuracy. 
Additionally, I am requesting that the CFPB intervene to ensure Experians compliance with federal law and Experians arbitration terms. If this issue is not resolved, I am prepared to escalate this matter to arbitration, per Experians arbitration agreement, due to their non-compliance and lack of responsiveness. 

I appreciate the CFPBs assistance in addressing this matter and ensuring Experian meets their legal obligations under the FCRA.
Product: Credit reporting

My husband placed a purchase with XXXX XXXX and they canceled the order stating I had a past due balance with them. So I called XXXX XXXX and they said they sent the account to a collection agency and could n't tell me what the balance was for or what the balance even was. So I asked how can you as the original creditor tell me I had a balance with you but you have no information. A asked why I never received statements the rep said they do n't sent out statements. I need validation of this debt.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I applied for a loan with NetCredit. I received a loan in the amount of {$8600.00}. For the next XXXX years I made payments of {$220.00} every two weeks until I stopped in XX/XX/XXXX. I made payments totaling {$11000.00}. No additional charges or funds were received from NetCredit. Currently, NetCredit is trying to collect a remaining balance of {$10000.00}. This a a predatory loan and it is unethical for me to pay over double the amount borrowed. I do not feel comfortable, morally or financially, continuing to pay them. Because of this the account is negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

Upon recently checking my credit report I saw accounts reporting inaccurate information. These reports have been XXXX XXXX XXXX XXXX  and credit health.
Product: Checking or savings account

Subject : Ongoing Issue with Online Account Opening Process Dear KeyBank Online Account Opening Team, I hope this message finds you well. I am writing to express my frustration regarding my continuous inability to open an account with KeyBank online. For the past XXXX years, I have tried to open an account, but I have consistently encountered the same issue, as outlined in the attached screenshot of the error message. 

The message indicates that KeyBank has been unable to confirm my identity based on the information I have provided. However, I have verified that my details are correct, and I am unable to understand why the system repeatedly fails to confirm my identity. As the nearest KeyBank branch to me is in XXXXXXXX XXXX, and I am located in XXXXXXXX XXXX, traveling to verify my identity in person is not feasible for me at this time. 

I would like to request that this issue be escalated to the appropriate team within KeyBankwhether that be your Online Account Opening Team, XXXX XXXX, XXXX Department, or another relevant department. I believe that your online identity verification process may not be following the proper protocol or regulations to enable users to confirm their identities remotely. 

Given that this issue has persisted for several years, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if the problem is not resolved promptly. I believe that a fair resolution would involve allowing me to verify my identity online through a secure, alternative method, so I can successfully open an account without having to travel to a physical branch. 

Please address this matter as soon as possible. I look forward to your prompt and satisfactory resolution to this issue. 

Thank you for your time and attention to this matter. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
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. 

Account name XXXX XXXXXXXX XXXX XXXX : # XXXX, Account name XXXX XXXX XXXX  : # XXXX, Account name XXXX XXXX  XXXX # XXXX, Account name XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 sectio

n 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.