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

I am filing a complaint against Equifax for failing to properiy 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
Product: Credit card or prepaid card

I have a bank of America small business credit card that I had requested to close. However it was not never processed and the bank charged me the annual fee and late payment fee for XXXX ( from XX/XX/XXXX till XX/XX/XXXX ). I was out of USA during this period and once I returned I visited the branch in XXXX CA multiple times to get this resolved. I was told the charges will be removed but never got these removed so far. Hence I am raising the complain.
Product: Debt collection

In accordance to the fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( its also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I have continuously over the last 2-3 years communicate with this servicer on how my Income based repayment plan is calculated. I have continuously sent in documents ( W-2 copies and pay check stubs ) to make sure my monthly amount is calculated correctly. I have followed up on everything the servicer has asked me to do. After following up with the servicer 's requests of documents I continue to get requests from them. My Income based repayment plan is not calculated correctly ... my monthly bills continues to rise by XXXX each and every year which in return is making in hard to make the monthly payments. I continue to communicate with the servicer about not adding any amounts of overtime to my overall income because I do not get overtime on a regular basis. I continue to request them to base my monthly from a 80 hour pay period in which I work. Sometimes I work over when needed but not all the time or regularly. The servicer has a very disrespectful customer service team that are unwilling to spend the correct amount of time to make sure the customer is being treated with dignity and respect. I spoke with a manager when calling in to the servicer about my issue whom took the time to look at my problem of complaint and she came back to the phone and stated that my IBR had been calculated wrong and that it would take 2-3 weeks to correct and for me to keep calling back to get my final monthly payment. This process is not appropriate and unlawful for the customer. I will continue to file a complaint with other agencies until my payment plan is corrected and the correct amount is charged to me monthly. My IBR plan went from XXXX a month to XXXX in a 12 month time period. That is a significant added amount that I can not afford monthly along with living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX and Experian has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. XXXX. Proof of right to own/ collect this alleged debt XXXX. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account info Account name XXXX XXXX Account number XXXX I also sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and they said they do not. How did the credit bureaus verify my bankruptcy if it was dismissed? A fair investigation was never done according to 15 USC 1681.

Record details Record type XXXX XXXX bankruptcy dismissed
Product: Credit card

Dear CFPB, This complaint regards a promotional offer for a Macy 's American Express card, which is in fact a general purpose card. 

On XX/XX/2024 I received an email with a promotional offer of 6.99 %XX/XX/XXXXinterest if activated. ( This was the first time I had received ANY notification of the offer, which I later learned had been in effect since XXXX. ) On XX/XX/2024, I activated the offer via the link in the email. It took me to a website with an activation button. Having pressed the button, I received confirmation that the offer was activated. Later that day I used the card specifically because of the offer. 

Then on XX/XX/2024, I received ANOTHER email with the offer, like Macys never knew I had activated the offer. Once again, I used the link in the email and was taken to a webpage with an activation button. Once again I received confirmation. 

On XX/XX/XXXX, I checked my Macys American Express account online and there was discovered no offer in place the account. Next, I called the help line and explained what happened. I received no assistance in this matter even though Macy 's tech was at fault when I had TWICE activated the offer. 

This was like a BAIT AND SWITCH. I relied on the offer to make a large charge, XXXX XXXX XXXX for {$540.00}. Now the interest rate on that money is a usurious XX/XX/XXXX. 
BAIT me into charging and " mysteriously '' the offer activation doesn't occur. I would have charged the vet bill to a decent credit card company. 

Furthermore when I called Macy 's help line, the agent deliberately told me to call American Express at at a number that didn't work. 

This promotional offer BAIT and SWITCH was totally egregious.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account. They are hearting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion violated its obligations under 15 U.S.C. 1681i by verifying inaccurate information on my credit report without obtaining or providing sufficient proof. 

I filed a dispute with TransUnion on XX/XX/year> ( XXXX XXXX XXXX : XXXX ), challenging inaccurate information reported by a lender. On completion of their investigation, TransUnion notified me that the information provided by the lender was deemed accurate. However, they failed to verify the accuracy of the information against my records and did not provide any proof to support their decision. This is a direct violation of the FCRA, which mandates that credit reporting agencies conduct thorough investigations and delete unverifiable information under 15 U.S.C. 1681i ( a ) ( 5 ). 

This failure to ensure the accuracy of my credit report has caused me significant stress and harm to my financial standing. I request immediate action to : Reinvestigate the disputed item in accordance with FCRA requirements. 
Provide evidence of the verification process or remove the disputed information from my credit report. 
I trust that you will take the necessary steps to address this violation promptly. Please let me know if additional documentation is required to assist in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a chase united quest card I get XXXX a year to use a statement credit back when I buy tickets with XXXX. I only XXXX of it last year and I still had a little over XXXX left I didn't know I had to use it by XX/XX/XXXX nothing in the terms and conditions say XX/XX/XXXX so I bought a ticket on XX/XX/XXXX XXXX for over XXXX they applied XXXX for the next year on that one and did not use my other XXXX if I knew I had until XX/XX/XXXX to use I would I did not know when the the dates reset I have done everything right on the this card and paid the annual fee and done everything required of me I want that XXXX back in a credit I did not know the date it expired and would have used had I known. the customer service people are rude and do not want to help with us at all they because of the date of XX/XX/XXXX expired they don't have to give me anything on it I want this XXXX credit and will fight until they approve it
Product: Credit reporting or other personal consumer reports

XXXX XXXX SHOULD BE ZEROED OUT AND OFF OF MY XXXX FILE AND XXXX WILL NOT TAKE IT OFF. 

THE CREDITOR WAIVED THE DEBT AND ASKED FOR IT TO BE REMOVED FROM MY CREDIT FILE I HAVE ATTACHED THE COURT DOCUMENTS PROVING THIS AND XXXX SAID THAT IT WILL STILL REMAIN ON MY CREDIT FILE THE DEBT IS SHOWING CHARGE OFF AND IS SUPPOSED TO BE ZEROED OUT AND THE COMPNAY ASKED FOR IT TO BE REMOVED FROM MY FILE. XXXX WAS GIVING THE COURT DOCUMENTS SHOWING WHERE I WON THE CASE AND STILL REFUSE TO FIX THE ERROR XXXX XXXX XXXX BALANCE {$7800.00} BALANCE UPDATE XXXX ACCOUNT XXXX DATE OPENED XXXX THE ATTACHED DOCUMENT PAGE XXXX PARAGRAPHS XXXX AND XXXX SHOW THE AGREEMENT
Product: Checking or savings account

I tried to open a five year CD on XX/XX/2023 for XXXX with BMO XX/XX/XXXX on their website, filled in all the correct information, received and used their verification code n my phone, and go rejected twice without explanation. The bank uses a no reply email, and I am abroad for the month and can not contact them at al ( they only have a phone number, which you will be on hold for for an hour ). They provide no reason for the rejection ( and could have none ), no mechanism for appeal, requested no information, and provide now way to contact them on line. This is fraudulent and a licenses bank should not be allowed to deny a CD account arbitrarily, with no information provided and no way to appeal, especially for a five year CD ( what would be the issue? )
Product: Checking or savings account

i made the mistake of getting on XXXX and meet some one on this site that wanted {$3500.00} to get bank to u.s.a .but he did n't come to u.s. i do n't know what he spend the money on but i am in the hole because of this. i had bounced checked and was changed {$25.00} for all the bounced checks that came out of my account for i made with XXXX XXXX that i pay to send him this money. i am on ssi for i 'm XXXX yrs. old what i got into this MESS. i could kick myself in the XXXX.
Product: Credit reporting or other personal consumer reports

Experian continues to report incorrect information causing me never ending financial XXXX  I am XXXX I am on social security XXXX and since XXXX  I have been unable to secure any kind of financial service or product due to the incorrect information being reported by Experian the credit cards they are reporting I had paid for the insurance that is suppose to cover if I couldnt pay never did during the time of XXXX  too never the less FDiC investigated and these are suppose to be removed from my credit report and they still have not they continue to ignore my request or even acknowledge any of it
Product: Debt collection

In XXXX 2015, I obtained a copy of my XXXX Credit report. I noticed that a collection account was being reported from XXXX Firstpoint Collection Resources, XXXX. XXXX XXXX, XXXX, NC XXXX from XXXX insurance. This was the first time I became aware of this debt. While, I did n't understand why this was being report, as I have had additional policies from this company in the meantime. I was never contacted about this debt. I immediately called Firstpoint and paid this debt, as I was very worried about the damage to my credit scores. When speaking to the representative from Firstpoint, I was told to dispute this account XXXX to have it removed. I preceded to submit the dispute. Today, XXXX XXXX, I received the results of my dispute. Firstpoint did not agree to remove the account from my XXXX report. While I understand the responsibility of Firstpoint to report accounts to credit reports, I was not given the chance to take care of this matter before it was reported. I have very good credit scores with the other credit reporting agencies. This collection account is going to cause problems when I try to obtain a mortgage.
Product: Debt collection

There are 2 medical bills reporting with Aargon Agency Inc and I never was in the hospital in XXXX or XXXX XXXX but why are these people doing this? I never received anything from any doctor 's office of hospital for that matter. Please help me
Product: Checking or savings account

I bank with PNC on XX/XX/2018 I was charged two XXXX overdraft fees on XX/XX/2018 I was charged another XXXX on XX/XX/2018 I was charged another XXXX along with another XXXX and on XX/XX/XXXX I was charged again XXXX. I tried calling to get the fees waived because I have a automatic saving account that takes money out of my account and puts it in a outside saving account. Multiple times I put the money back in the account but it takes 3 business to get the money back in the account. The money that was being taking out was XXXX dollars now I have a negative balance of XXXX because of a total of XXXX dollar insufficient funds. I believe that is totally uncalled for how does XXXX dollars get you a negative balance of XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered two fraudulent charges on my Bank of America credit card dated XX/XX/XXXX and totaling XXXX. I only discovered them due to a routine check of my finances. I received no fraud alert for these charges. 
I reported the charges immediately to the bank by phone and stated that I did not make these charges and have never received the new card the bank issued for me. 
On XX/XX/XXXX my fraud claim was declined with a wording " the chip was read, my PIN was entered, and/or you signed for the merchandise or service ''. They also stated they verified signed receipt or contract with the merchant. 
I called on XX/XX/XXXX to ask the bank about the transaction details, such as the merchant information ( location, phone number ), the amount of goods or services purchased, a receipt with my signature etc, but the bank was unable to provide any of it. I believe no investigation actually took place. Instead, they simply made me responsible for an enormous charge that I didn't make. During the call, the associate reopened the claim and told me she will inform me about the results in 3-4 weeks. 
On XX/XX/XXXX I sent Bank of America a follow-up letter asking to reverse the charges and provide an explanation to the denial of my fraud claim. 
On XX/XX/XXXX I made a follow up call to the Bank of America. I was informed that they did not have the information I requested available. And said " as you were informed during your previous call it will take up to 90 business days ''. I was not informed about 90 business days during my previous call. They have also mentioned something about their shareholders, which I find impertinent to my case or providing me with the grounds for denial of my fraud claim. 
To provide context, I'm a XXXX XXXX and a single mother, and with their non-existent fraud prevention system, Bank of America just ruined every slim hope I had for ever becoming financially secure.
Product: Credit card or prepaid card

Comenity Bank refuses to take responsibility for cashing check payment almost three month after paying outstanding balance in full. 
Check # XXXX for XXXX was send on XX/XX/XXXX, but didn't cash it till XX/XX/XXXX. 
Comenity Bank unjustly vollected late fees & interest and ruined my low XXXX credit rating I demand a copy XXXXfront & back ) of check # XXXX Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Made a request for a method of verification as it pertains to a XXXX XXXX XXXX  account that was reporting on my credit report. That request was received by the credit bureaus in XX/XX/2021. To this date all I have gotten are letters stating that it is reporting accurately. There method or procedure used to get this conclusion were not disclosed. 

2.I would also like to opt out of a clause that the credit bureaus have which states that if you created an online account with them to view your credit report with them, then you can not file a lawsuit against them. I want the credit bureaus to opt me out of this clause please.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I first learned that this company had won a default judgment ( in XXXX XXXX ) against me on XXXX XXXX, XXXX. On XXXX XXXX, I went online to see if a payment for an automatic withdrawal had been processed. I found that the company had a levy in the amount of {$6100.00} against my account and that all of my funds had a hold on them. I have attempted contact with them explaining and providing proof that I am on Social Security, and will lose my rented home if they do not release those funds. I was told that since I had money in a savings account which I had been transferring to my checking account to pay my bills that the entire amount was not Social Security. Even though I explained to them that I have not worked since XXXX, more than a couple months in XXXX and XXXX. I explained that I had been on Social Security XXXX since approximately XXXX, and that I have no income other than Social Security, they have not done anything with regards to correcting this matter. I have called and been told several times that I would be contacted in this matter. I can not afford legal counsel in regards to this matter. I was not served properly, as the address with which I was served was not an address I had lived at for over a year at the time of the supposed service. When I spoke to the attorney regarding this he stated that I was also served at the address which I was living, but there is no proof of service for that address. XXXX. I do not want to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. Equifax, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the Equifax report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the Equifax report.

These 2 accounts are infact duplicate accounts and I have never paid late.
Product: Other financial service

On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title.
Product: Credit card or prepaid card

XXXX mother 's credit card number was circulated through assisted living 's email directory via an email that was copied to every XXXX  who is involved with her XXXX  needs. Visa is refusing to cancel the card unless I send them the power of attorney form by FAX, which I can not do because I am in the XXXX right now, and there are no FAX machines here and I do not have access to the power of attorney form that is in my files in the United States. 

So they are refusing to cancel the credit card. Now every caregiver has my mother 's credit card.