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 and my credit report. Despite my submissions, Equifax responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting at ( FCRA ) 15 U.S.C. 1681i, which mandates A reasonable investigation of disputes. Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B0, as highlighted in the CFPB 's recent administrative proceedings ( file no. XXXX ) against them for similar violations. At the CFPB take action to ensure equal fives complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I applied for a home refinance loan and used an appraiser my lender sent. The appraisal came back significantly low and I was not able to get qualified. This was a poor appraisal because it did not accurately reflect my home worth. 
The appraiser used homes outside my subdivision even though they are still building in my area and new homes have sold. The current builder in my subdivision has starting prices higher than what I bought my house for. I contested the appraisal by submitting additional sold homes in my area but nothing was taken into consideration I submitted. My old realtor found a higher value based on sold homes in my area. My county property tax appraiser would not even honor the vendor 's appraisal because they said it did not reflect the area and did not " feel comfortable '' lowering my taxes to reflect that value. I have supporting documents but not at this time of completing the complaint. Documents can be submitted as needed.
Product: Credit card

I found out about XXXX weeks ago that Chase had closed my Chase Freedom XXXX XXXX account that I have had with them for 30 years, without warning and without notice. 

I feel this is completely unfair for it dropped my credit score AND lowered my purchasing power. I asked the agent on the phone why this happened and she said that it was not in my notes as to why just that it was closed in XXXX. 

I have been in good standing with Chase for 30 years. As far as I can recall, I do not ever remember even being late on a payment. This really upsets me, however, I am willing to work with them to get this card reinstated because I really took a hit on my credit score dropping because it effected the average age of my accounts, and it will take me 9 years to get a new card back up to that status. It also lowered lowered my spending power by almost 20 %.

I would really like for my account to be reinstated. It even still has {$10.00} credit on it from rewards that I had not used.
Product: Credit reporting or other personal consumer reports

I wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX ..Account # : XXXX XXXX. XXXXXXXX XXXX XXXX... Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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 a account without my written instructions.
Product: Checking or savings account

Multiple contacts with TD bank were left without action by the bank, even some were not recorded. Latest complaint was made on XX/XX/2019 with XXXX XXXX in Chairman office who informed me that the bank likes to track customers ' IP addresses if they are abroad. From me the bank is asking for telephone number, otherwise blocking access to my account. This is an outrageous violation of privacy, rights and freedom of customers.
Product: Debt collection

I called to ask for proof of verification of debt, I asked while I wait for this to come, I asked for them not to call me after this and to communicate only thru mail. I have been called since
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent, the below accounts has violated my rights : XXXX - Acct # XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # N/A XXXX XXXX  - XXXX Acct # XXXX XXXX XXXX XXXX  - XXXX Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I was only an authorized user. Primary card holder couldnt afford credit card
Product: Payday loan, title loan, or personal loan

Back in XXXX XXXX XXXX I contacted Affirm to pay off a {$95.00} balance. Prior to that I experienced financial hardship and had no choice but to get back to it at a later time. Unfortunately, it ended in a charge-off. As soon as things got better for me I contacted Affirm to pay the debt and did so. Years later I have applied for their XXXX service and continuously get declined - even today XXXX XXXX XXXX. So, I then contact them via email and explain this situation and each time they continue to send me generic letters. I learned that the generic letters are not truthful. The letter states that their decision is based on XXXX credit bureau information ( who I have a XXXX score with ) - so it can't be that. Then the letters goes on to say that it's bc I applied for amount above what I could approve for. I don't know how that could be bc each time that I've applied I never selected an item with an amount attached. I just clicked the " apply for a loan '' button without an item selected. So that can't be the reason either. 

Finally, I call the XXXX number listed in the letter. I explain the above to the representative who tells me it's my status of having a charge-off- which is still in my records and can not be deleted. I ask for a supervisor who tells me the same thing. They CAN NOT DELETE a XXXX year old blemish on my account. I'd like to know if this is the factual truth. With technology the way it is now, they mean to tell me the system they use is unable to update/delete so that I can have a 2nd chance? Even credit bureaus delete from credit reports. How are they able to have such an antiquated system? So does this mean this will be in my file forever. That is totally unbelievable and I don't believe them at all. Who are they to hold a person hostage for this long and such a small amount with no way out, no room to allow for a 2nd chance? 

Thanks
Product: Debt collection

I was paying for electric utilities from XXXX XXXX in XXXX from XXXX of XXXX. During that time my fees were {$230.00} total. My account was managed and all bills were paid through an online portal. Each time I paid, it would tell me the amount owed and I would pay that amount, no more no less. Last year I was contacted by TSI a debt collection agency that claims I owe XXXX XXXX {$45.00}. As stated I always paid the full amount, and {$45.00} does not correspond to any of my bills from them so I genuinely have no idea where this amount is coming from. I never had any communication from XXXX XXXX about missed or incomplete payments over the course of the 3 years since my account was closed, and I have nearly 100 promotional emails from them over this period of time. When TSI contacted me I asked for more information about where this amount was coming from, which they could not provide me, and the agent I spoke with gave me the option to dispute this claim which I did. I received no word from them for about a year but now they are pursuing this debt once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Equifax and XXXX to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX  XXXX Balance XXXX {$770.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is a request for a validation of debt pursuant to 15 U.S.C. 1692g and other consumer laws. I have attached a copy of an invoice of some sort placed on the public record claiming that XXXX XXXX XXXX XXXX owes an alleged debt. I request an authenticated record from an accountant not a what is written on a piece of paper. I have the right to this request, and I demand an authenticated record of accounting from LAKEVIEW LOAN SERVICING , LLC and XXXX XXXX XXXX who works for LAKEVIEW LOAN SERVICING , LLC. 
This is request is also pursuant to 12 C.F.R. 1006.34, I request the following : XXXX. The Itemization date-1006.34 ( b ) ( XXXX ) ; 1006.34 ( c ) ( XXXX ) ( vi ) XXXX. The amount of the debt as of that itemization XXXX C.F.R. 1006.34 ( c ) ( XXXX ) ( vii ) XXXX. An itemization of the current amount of the debt that discloses categories of information since the itemization date : XXXX ) interest, XXXX ) fees, XXXX ) payments, and XXXX ) credits XXXX. The current amount of the debt as of the date that the validation information is provided. 12 CFR 1006.34 ( c ) ( XXXX ) ( ix ). 
Also, pursuant to 15 U.S.C. 1602 ( p ) - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. LAKEVIEW LOAN SERVICING , LLC has used my credit card for the last 3 years and I have received no benefits from the use of my credit card ( SSN Card ) as defined in 15 U.S.C. 1602 ( L ). Because my social security number was used to finance the home known as XXXX XXXX  XXXX, XXXX, SC XXXX, this is proof of fraudulent activity This company, LAKEVIEW LOAN SERVICING , LLC is subject to civil liability pursuant to 15 U.S.C. 1692 ( k ), and criminal liability pursuant to 15 U.S.C. 1611 for willful and knowing violation from a financial institution. 
I demand to be compensated for the use of Social Security Number ( credit card ) for over 3 years with LAKEVIEW LOAN SERVICING , LLC. I have tried to resolve the matter with XXXX XXXX ( acting as CEO ) by way of communication through mail and Supreme Court. I have a default judgment against XXXX XXXX ( acting as CEO ) and this individual and company has refused to send satisfaction of mortgage. 
I have contacted HUD and USDA for the location of satisfaction of mortgage and neither agency has them. This is fraud on LAKEVIEW LOAN SERVICING , LLC. I am requesting the MASTER FILE be given to me. I have a right to have to the XXXX FILE with no redactions. This is a request for an authenticated record of accounting on LAKEVIEW LOAN SERVICING , LLC. 
LAKEVIEW LOAN SERVICING , LLC and XXXX XXXX ( acting as CEO ) are in possession of stolen property and I demand that my property is returned to me.
Product: Debt or credit management

Capital one put a restriction on my account. I send a remittance coupon with a restrictive endorsement. ( 12 CFR 1005.30 - REMITTANCE TRANSFER DEFINITIONS. ) ( 18 U.S. Code 655 - Theft by bank examiner ) ( 31 CFR 328.8- LOSS, THEFT, OR DESTRUCTION OF SECURITIES BEARING RESTRICTIVE ENDORSEMENTS. ) On XX/XX/year>. Tracking number XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX another letter was send tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I never give Captial One permission to put restriction on my account. Capital one is a foreign company to CAPITAL ONE FINANCIAL CORPORATION. ( XXXX XXXX XXXX XXXX XXXX reporting XXXX, XXXX, XXXX will show that ). Serveral payment have been made, as shown on my statement. They never acredit my account for the ach payment. ( XXXX XXXX XXXXXXXX same day transactions/Payment ) I paid with an closed account that carries {$250000.00} from the FDIC - ( Federal despository insurance company ). My Transaction are private with this closed account. Captial One unlink my bank accouunt information that payments was made with. Captial one is the account holder. XXXX XXXX is the account owner. A copyright notices has been sent along with the power attorney over the account. Captial One can not lend credit. No bank can lend credit nor money. ( 12 USC 615 - POWERS OF CORPORATION ) ( 12 U.S. Code 1431 - Powers and duties of banks. ) ( 12 USC 91 - TRANSFERS BY BANK AND OTHER ACTS IN CONTEMPLATION OF INSOLVENCY- All transfers of the notes, bonds, bills of exchange, or other evidences of debt owing to any national banking association , or of deposits to its credit ; all assignments of mortgages, sureties on real estate, or of judgments or decrees in its favor ; all deposits of money, bullion, or other valuable thing for its use, or for the use of any of its shareholders or creditors ; and all payments of money to either, made after the commission of an act of insolvency, or in contemplation thereof, made with a view to prevent the application of its assets in the manner prescribed by chapter 4 of title 62 of the Revised Statutes, or with a view to the preference of one creditor to another, except in payment of its circulating notes, shall be utterly null and void ; and no attachment, injunction, or execution, shall be issued against such association or its property before final judgment in any suit, action, or proceeding, in any State , county, or municipal court. ) 12 USC 95 A ( 2 ) ) - ) Any payment, conveyance, transfer, assign-ment, or delivery of property or interest there-in, made to or for the account of the United States, or as otherwise directed, pursuant to this section or any rule, regulation, instruction, or direction issued hereunder shall to the extent thereof be a full acquittance and discharge for all purposes of the obligation of the person mak-ing the same ; and no person shall be held liable in any court for or in respect to anything done or omitted in good faith in connection with the administration of, or in pursuance of and in reli-ance on, this section, or any rule, regulation, instruction, or direction issued here under.
Product: Credit card or prepaid card

I closed a credit card account ending in XXXX from Capital One in XX/XX/XXXX. I paid the balance off and received a refund check in the amount of {$2.00}. However, 5-6 months later I received a notice that I had charges on that account. I did not authorize these charges and do not understand why they were there. I have contacted Capital one on several occasions, culminating with a letter dated XX/XX/2017, where I asked them to 1 : Confirm that the account is closed as requested 2 : Remove any fraudulent charges on my account and remove the negative comments on my credit report 3 : Due to the stress of this situation and its impact on my credit score, resulting in me getting denied a credit card with a better rate due to my credit score. I am asking for {$1000.00} for the hardships of this situation. 

Currently I have a balance of {$100.00} and they have notified the credit agencies that I am late on this payment. This should not be happening
Product: Debt collection

The original creditor which is XXXX XXXX sent an account that never belonged to me to a collection agency called diversified consultants. I Received a letter in the mail from diversified consultant attempting to collect on a debt from XXXX XXXX. I sent diversified consultant a letter asking them to validate the debt and send me all information on this account, I asked them to send me a of contract or anything bearing my signature because I never had and account with XXXX XXXX. They failed to provide me with proof of what I asked them they sent me an itemized bill with a list of charges which is not proof that the account belonged to me. They failed to send me the information that this account was mines. I just checked my credit report and according to my credit monitoring they already listed the account on my credit profile without fully proving proof. The address is also not my address as well.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Best Buy is adhering to the protection order for credit reporting under the statute below, SEC, XXXX Credit Protection During Covid-19. On a recorded line, I contacted the Best Buy customer service team, and they stated my account was moved to collections. No delinquency can be reported to the following credit agencies until after my budget 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXXXXXX 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 XXXXXXXX, PA XXXX XXXX innovis.com SEC, XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account my vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Fund Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the account XXXX   XXXX..After sending  dispute letters to Equifax and XXXX, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Product: Debt collection

Since XXXX I have working diligently to save & build credit to purchase a first home with the XXXX program. Early XX/XX/XXXX I and the seller signed a contract for me to purchase a condo. The Title Co discovered a Judgement filed XX/XX/XXXX XXXX ( XXXX ) years prior. I was NEVER notified I lost my only opportunity to purchase my own home. Midland Funding XXXX XXXX ( XXXX, XXXX & XXXX ) did not respond to my " Settlement Offers '' mailed Certified and received XX/XX/XXXX & XX/XX/XXXX. At my advanced age, I may never have this opportunity again.
Product: Checking or savings account

Direct deposits are not coming through the accounts due to company stating they have " technical issue ''. ( no more information or updates given by the company ). this is causing me to have late payment fees, delays on other payments i need to make from my account. 

Company has mentioned issues are to be resolved today, Friday XX/XX/year>, but no further comments, updates, or fixtures yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I check my XXXX  After revising my credit report about late payments. 


On XX/XX/, I sent out letters to KickOff Lending to remove transactional history from their systems and other third parties. 

KICKOFF LENDING LLC ACCT : XXXX