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

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Equifax, I am writing to formally file a complaint against Equifax for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of XXXX XXXX XXXX ( b ), XXXX XXXX XXXX ( a ), and XXXX XXXX XXXX. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. 
Specific Violations by Equifax : XXXX XXXX XXXX ( b ) : Failure to maintain the accuracy of my credit report. 
XXXX XXXX XXXX ( a ) : Negligence in ensuring that furnishers of information comply with their obligations. 
XXXX XXXX XXXX ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information. 
XXXX XXXX XXXX : Inclusion of obsolete information in my credit report. 
Despite my repeated attempts and clear documentation of errors, Equifax has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. 
List of Disputed Accounts : XXXX XXXXXXXX XXXX  ( Reported : XXXX XXXX, XXXX, Balance : {$1300.00}, Status : Closed ) XXXX  XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$11000.00}, Status : Closed ) XXXX XXXX XXXX  ( Reported : XXXX XXXX, XXXX, Balance : {$9700.00}, Status : Closed ) XXXX XXXX XXXX XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$36000.00}, Status : Closed ) XXXX  XXXX XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$1000.00}, Status : Needs Attention ) Complete List of Complaints Filed ( XXXX total ) : XXXX. XX/XX/XXXX - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Improper use of your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Improper use of your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. 

Thank you for your immediate attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquired on XX/XX/XXXX ; 2. XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 6. XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX ; 7. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 8. XXXX XXXX Inquired on XX/XX/XXXX ; 9. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 10. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 11. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 12. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 13. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 14. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 15. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 16. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 17. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 18. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 19. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 20. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 21. XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for the loan online on the minto money website on XX/XX/20 and I was contacted by a representative named XXXX on XX/XX/20 around XXXX. I asked why he was calling from a XXXX area code if the company is from Alaska to later find out that is only a PO box address. I gave  them my social security number and my bank account routing and account numbers as well as my full name, address and phone number. I don't know what to do. This is a scan for sure.
Product: Credit card

Dear CFPB and XXXX I am writing to formally file a complaint against Wells Fargo Bank due to its repeated failure to execute automatic payments for my account, despite the fact that I had correctly set up and authorized automatic payments. Over the past XXXX consecutive months, the bank failed to process these payments, resulting in a {$43.00} interest charge on my account. 

I have contacted Wells Fargo Bank multiple times in an effort to resolve this issue, but no satisfactory solution has been provided. I have followed all necessary steps to ensure that the automatic payments were correctly configured, and I strongly suspect that this issue may be the result of a deliberate action by the bank to generate additional revenue through penalties and interest charges. 

This situation has caused me significant financial inconvenience and frustration. I request that the {$43.00} interest charge be refunded immediately and that Wells Fargo ensures no further disruptions to my automatic payment setup. 

I am escalating this matter to both the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( XXXX  ) for further investigation. I urge these agencies to look into Wells Fargo 's practices to determine whether this is part of a broader pattern affecting other customers. 

I trust that CFPB and XXXX will take this matter seriously and hold Wells Fargo accountable for their actions. I am happy to provide any additional documentation or evidence needed to support my case. 

Sincerely, XXXX
Product: Debt collection

The company never contacted me via mail like theyre supposed to instead I started receiving a ton of phone calls yesterday. I received XXXX phone calls with a XXXX hour. XXXX. Nobody was on the other line or if they was they did not speak when I asked hello they called me XXXX times this morning, I did look up their number. It is directly Jefferson capital I did contact my bankruptcy lawyer to also file against them on that because the fact that they are trying to collect a debt that is been included in bankruptcy the fifth time they called I was actually on the phone with my attorney. I answered it merge the calls. The person said that they were from Jefferson capital I informed them that they were in violation of bankruptcy they said, nope they dont know about it. My attorney spoke up and said yes there is they gave them the case number and they said too bad and hung up so Im filing my lawyer is filing charges within the bankruptcy court for violations.
Product: Credit reporting or other personal consumer reports

This company is maliciously messing up my credit report over and over again theyre leaving a balance and I paid this XXXX this is supposed to be getting removed as well and I have gotten a lawyer and Im taking them to court, this is paid in full. Every time I dispute it they lie and say I never paid it, and they keep derogatory reporting information, and the balance still says, and paid as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX ; XXXX ; XXXX ; and Transunion ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking or removing of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have made repeated attempts to obtain my consumer report. Chex Systems Inc has failed to respond in an appropriate fashion. 

After failing to open an account with Simple.com and XXXX XXXX Checking due to my Chex Systems score, I ordered my report online. I contacted them via phone on XXXX XXXX 2016 and was informed that the report would be sent the next day. I called again on XXXX XXXX 2016 and told them that I had n't received the report - the agent said they would send another one later that afternoon. No explanation as to why I had n't received the first report was given. I called once more on XXXX XXXX 2016 and was informed that the report had n't been sent on the afternoon of XXXX XXXX as promised. It turned out that the agent I spoke to on XXXX XXXX had lied to me. However, they claimed to have sent it earlier that day ( XXXX XXXX ). They 've outsourced their customer service to XXXX, and it 's impossible to get in touch with anyone who 's actually involved with the company. I 've insisted on them giving me a tracking number for the report, as evidence that they 're actually sending it. 
I have a very high credit score and my banking record is very clean. I 'm not, and never have, been in debt. I can only assume that they 're reluctant to send me my report because there they are unable to validate the false claims. This is clearly in violation of the Fair Credit Reporting Act and I will pursue this in the courts, if this is not cleared up very soon. 
Please remove my banking record from Chex Systems with immediate effect.
Product: Credit reporting or other personal consumer reports

Im a victim of id theft. I was alerted to the fraudulent application due to credit monitoring on XX/XX/ which is the same day the scammers applied for the credit card. Ive contacted XXXX XXXX XXXXXXXX multiple times via multiple phone calls, certified mall, CFPB complaint, and occ complaint. Its been over 8 months and my credit report hasnt been update the remove the fraudulent inquiry which resulted in high interest on my recent car loan.
Product: Payday loan, title loan, or personal loan

Due to unforeseen circumstances, I was behind in my loan of {$1200.00} that I received with West side Lending back in XXXX of XXXX. They reached out to me XX/XX/XXXX to make payments, I agreed initially ( Keep in mind, they never sent an agreement contract via emailno nothing! ) just word of mouth asking if Id start making payments of {$100.00} a week. But Im genuinely struggling!! 

So they werent successful that following week to pull a payment out of my account because I had other bills and whatnot coming out of my account. So as of today XX/XX/XXXX ... I check my account to se e that they pulled an UNAUTHORIZED random payment out of my XXXX account!!! Im extremely XXXX!!! And I want my money back in my account!!! ASAP!!!!
Product: Credit reporting or other personal consumer reports

Justice Finance-Late Payment & Charge off -Removed open- XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XX/XX/2022 I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I made a payment to XXXX for my Rise account on XX/XX/XXXX for XXXX. On XX/XX/21 I emailed Rise a copy of my bank statement that shows the payment and my account still has a XXXX balance. I have called them 4 times since then and they always tell me they are going to contact that department and it should be updated in 3 days. On XX/XX/21 I paid off the balance on this account.
Product: Money transfer, virtual currency, or money service

I was trying to send my nephew money via ( Zelle ) and I pressed XXXX wrong number and tried to get my money sent back to my account and they told me that there was nothing they can do to get my money back. It was {$600.00}.
Product: Debt collection

About 2 years ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. CitiBank has called me and my sick mother so much we had to change our phone number, asking for me to pay for a debt i gave my all too to the point of emptying out my savings in hopes that life would get better, but still ended up falling behind and getting the accounts closed. 
The sad part is that I gave my all to this company when I worked for them and I lead in productivity and so many other aspects of the job on the XXXX team in XXXX XXXX. But due to budget cuts they had to let me and a few others go.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started last year with the XXXX data breach. I have put every security measure possible on my finances and credit report, including services offered by XXXX such as XXXX XXXX, as well as XXXX. Literally almost everything I own has been hacked due to this breach. I deal with disputes on my credit file DAILY. My email has been hacked, I've lost count of how many times I've changed my bank card and account. I've lost alot of money, time and mental health. The newest situation, the reason for this complaint, is that I went to go apply for something and the company told me my credit was locked. The only way your credit can be locked is by you doing it yourself. I know for a FACT I did not lock it recently ( last week I applied for a cc with no problem ). I called XXXX to find out what was going on, and bottom line someone locked my credit report without my knowledge and they have no answers for me. Period. I'm so sick of this. It's ruining my life!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohl 's department store reported me to the credit bureau on XXXX or XX/XX/XXXX for non payment. I just realized this today when attempting to refinance my residential property. 

I recall this whole situation as it developed starting on XX/XX/XXXX. 
* Balance of {$600.00} was due XX/XX/XXXX with minimum {$25.00} * Made payment on XX/XX/XXXX ( Sat. ) on Kohl 's website ( online ). Paid balance in full {$600.00} * Kohl 's received payment processed/cleared on XX/XX/XXXX * My payment cleared my bank on XX/XX/XXXX * Received monthly Kohl 's monthly statement XXXX &XX/XX/XXXX * I never looked at statements for XXXX & XX/XX/XXXX. Believing there was a {$0.00} balance. 
*XX/XX/XXXX received statement/bill highlighted in a different color. Opened this time. 
* Statement indicated a finance charge of {$1.00} for XXXX plus a late charge of {$27.00}. Same for XXXX {$1.00} for finance charge and late charge of {$27.00}. 
**Talked with Kohl 's customer service Rep. on XX/XX/XXXX. I outlined everything mentioned in this letter.Kohl 's Rep. said this should not have happen. 
XXXXKohl 's Rep action ; a ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX b ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX c ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX d ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX Lastly, this same situation happened 10+ years ago with Kohl 's . It  stayed on my credit even when Rep. said it would not. Its finally cleared years later.
Product: Credit reporting or other personal consumer reports

Please correct the credit file as soon as possible. I have called you several times concerning this information. PLEASE REMOVE ALL NAMES and addresses EXCEPT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/year> XXXX : XXXX I have contacted your company several times to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of 2020. I had a late payment with Santander auto finance. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by COVID during this era of life. I asked Santander to help with the late payment reported and they said there was nothing that can be done.
Product: Debt collection

Either send me proof about this debt, such as what the debt is for ( product ) or remove my name from the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, approximately at XXXX a number of transactions occurred in my CashApp account which all of the money in that CashApp account was stolen out of the account and then additional money, via CashApp, out of my XXXX account. 

A total of {$8900.00} was taken. There were seven transactions that appeared as if I was paying persons or refunding those persons money. The transactions are as follows : {$1000.00} XXXX XXXX {$760.00} XXXX XXXX {$980.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX XXXX I filed a police report with the XXXX XXXX Maryland Police Department. Police Report # XXXX. However, XXXX has closed my case since they claim to not have enough information. Also, CashApp has issued a temporary refund, however they have will not give me access to the account to withdraw the funds. I have made several attempts to contact CashApp, however they keep responding with emails that do not address my problem. 

I fear that CashApp has permanently closed my account and will never refund my money. Meanwhile, XXXX allowed unauthorized withdrawals.
Product: Mortgage

My loan was sold from XXXX XXXX to Select Portfolio [ SPS ] Servicing on XX/XX/XXXX. When my loan transferred from XXXX Bank, I was given a final modification of my mortgage. I never received the modification agreement and called SPS to have my modification agreement sent to me as they were my new servicer. SPS informed that I had to get the agreement from the XXXX XXXX. XXXX XXXX informed me that my loan was sold and my case was closed. I then, was told to reapply with SPS which I did. At the time of my modification with XXXX, the value of my house was approximately XXXX dollars according to XXXX XXXX appraiser. Now I am in a dispute with SPS who states my home is now worth XXXX dollars even though we have an appraisal at XXXX which was completed on XX/XX/XXXX. SPS refuses to accept the correct value, and has my home in foreclosure. SPS also refuses to modify me due to their inflated evaluation. SPS withheld my modification that was written by XXXX since XX/XX/XXXX when they took over the servicing of my loan.
Product: Debt collection

My credit was charged off XX/XX/year> and they continued to report to my consumer report after the account was charged off. 




( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Checking or savings account

Navy federal as restricted my account and I asked for ymfunds to be sent to me via certified check and all my accounts be closed and they still have not done that they have made numerous adjustments to my account over the last year and it as been problems after problems there was no fraud on my account I never reported any fraud and yet here I am without my money and a restricted account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested validation of an item on my credit report. It came back as verified and I never received any proof of such validation. I requested again XX/XX/2021 and have not received a response from Experian nor XXXX XXXX in regards to the incorrect item on my report. According to 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they had in their file to verify the information. They have continuously failed to provide such instruments.