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

I am writing to formally file a complaint against XXXX & Equifax for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and protect my rights as a consumer. I have been subjected to an ongoing financial and emotional burden due to erroneous items on my credit report, as well as XXXX failure to properly investigate my disputes and address the consequences of a data breach involving my sensitive information. 

Here is a list of the accounts affected on both platforms. 

XXXX XXXX XXXX acct # XXXX - {$570.00} XXXX  XXXX acct # XXXX - {$720.00} XXXX Bank XXXX acct # XXXX - {$540.00} XXXX XXXX XXXX XXXXXXXX acct # XXXX - {$1100.00} XXXX XXXX XXXXXXXX acct XXXX XXXX - {$450.00} XXXX acct # XXXX XXXX XXXX- {$1000.00} XXXX  acct # XXXX - {$1200.00} XXXXXXXX XXXX XXXXt acct # XXXX - {$3800.00} XXXX XXXX XXXXXXXX XXXX acct - # XXXX XXXX {$150.00} XXXX XXXX acct # XXXX - {$910.00} XXXX XXXX Equifax actions violate multiple provisions of the FCRA and other federal laws, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years ( excluding convictions ). XXXX XXXX Equifax has reported adverse items without my authorization, which is a violation of this law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States that a person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. XXXX & Equifax has has reason to believe this information was inaccurate however never properly deleted the information. Which is in direct violation. 
XXXX XXXX. XXXX : Requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with XXXX and limit the furnishing of consumer reports to permissible purposes under XXXX. XXXX & Equifax has failed to maintain these reasonable procedures. 
XXXX XXXX XXXX : Grants consumers the right to opt out of certain disclosures at any time. I have previously sent in a request and never received confirmation. I am formally opting out of Experians & Equifaxs reporting services yet again. 

I made them aware that if these issues are not addressed promptly and thoroughly, I will have no choice but to escalate this matter by filing a formal complaint with you the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action. 

I trust you will take this matter seriously and resolve these issues in accordance with federal laws.
Product: Credit reporting

I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : 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/XXXX/XXXX XXXX / XXXX/XXXX/XXXX
Product: Vehicle loan or lease

I have requested several times for 3 years a copy of the 1099 for my tax purposes. Chase refuses to provide me with a copy. I received a statement reconfirming that my account is a charge off and I have tried to complete my IRS responsibilities. However chase informed me on my phone call request on XXXX that they will provide me with a copy when they feel like it. Chase has also created a document fraud. The account has been added additional payments I did not process or approve on XX/XX/year> and XX/XX/year>. I have repeatedly asked where theses reported payments have come from and again chase refuses to comply
Product: Checking or savings account

Department of labor sent me a direct deposit. To my checking account keybank closed my account.i been trying to collect my balance for three months everytime i call keybank tells me that they dont have to talk to me.i just want my money.my account didnt have a negative balance .i dont understand i just want my money.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX 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
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery filed a lawsuit against me in the amount of XXXX without notice or even responding to my letters requesting validation of the debt and name of the creditor it brought the debt from. I notified them by certified mail on XX/XX/2023 and sgain XX/XX/2023. No answer to my request and the law suit is set for trial XX/XX/3023. I never received notice of the law suit except letters from attorneys offering their service to defend. The case XXXX for the suit in XXXX XXXX XXXX XXXX is XXXX. They are seeking a judgement in the amount of XXXX plus court cost sites I not willing to pay. Pay who?
Product: Money transfer, virtual currency, or money service

I have been sending money to my XXXX in XXXX since XXXX when I found out my XXXX had XXXX XXXX XXXX. I was only sending money to his wallet. When I got XXXX in XXXX, in the XXXX XXXX, I transferred {$150.00} to my brother-in-laws business account. I dont know if I was shut down because I was in the XXXX XXXX or what the issue is. I just know that my account was closed for violating community rules and I dont know which rule I violated. This statement is too broad and vague. I want to know specifically which one one the community rules I broke and allow me to rectify it. Recently I am being denied the ability to even open accounts at online services because of my age because I am a high risk for scams. Im a XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX but I am not stupid and I am tired of being discriminated against because XXXX XXXX are stupid enough to give away their life savings. Not every XXXX XXXX is scam material.
Product: Credit reporting or other personal consumer reports

Notice to an agent is notice to the principal. I am writing this to dispute these accounts that have been reporting inaccurate information. I was XXXX  for 5 years and was XXXX  XX/XX/2024, so some of these accounts I have no clue about. For the other accounts, I am requesting information so I can ensure the accuracy of the information being reported, per 15 USC 1681e ( b ), and 15 USC 1681s-2 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, a personal loan opened at FM/Accessloan-VAccess on XX/XX/year> under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XX/XX/2018 I requested my annual free credit report from Experian, XXXX and XXXX. I initially received acknowledgements from XXXX and XXXX but Experian has not provided any type of acknowledgement or my report within a reasonable time. These tactics used by the credit bureaus is simply an unacceptable tactic by these agencies to deny individuals access to there reports and / or to collect unnecessary data in there quest to data mine. As you can see from the form my data is clearly visible for the processing of my request. If XXXX and XXXX processed the request obviously that reaffirms that the request was received.
Product: Credit reporting

I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, which certain items were verified. I then sent by certified mail on XXXX XXXX, 2016 requesting Method of Verification and to provide me a complete copy of all information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. Equifax failed to comply with proper response within the time required by the FCRA regulations.
Product: Credit card or prepaid card

For the first time in the 34 months that I have had this account with Capital One I missed a payment due to a loss on income. However, I was charged the missed payment fee on the same day as the due date. This is the second time this year. The first time the payment was made, it was just made after their cut-off time of XXXX ET. 

I feel this is a very unfair practice. The charge should happen on the next business day. I called and asked them to waive the fee and they refused due to the fact that they waived the fee in XXXX which they should have because the payment WAS made on the actual due date. The due date for this card is the XXXX of each month. 

Please advise why credit card companies can charge missed payment fees on the same day as the actual due date? I bet they are cleaning up with these unscrupulous fees.
Product: Debt collection

The company Client Services reached out to a minimum of two contacts, who I am not related to, and disclosed that the purpose is to collect a debt on XX/XX/XXXX and XXXX, 2019. I have not heard of others that they may have contacted yet with my personal information. I have not received any attempt to contact or verify the debt through my phone, mail, or email. I did reach out to the company requesting they stop contacting others with my personal information.
Product: Student loan

XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I called Navient about the payment and submitted over the phone. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I am now filing a complaint because m loan has grown by nearly {$200.00} in value which would have been avoided if the payments have been processed.
Product: Credit card

XXXX I applied for a Citi Visa Credit Card with XXXX XXXX I received a denial via text message XXXX. XXXX  I called the reconsideration Dept at Citi to request a manual review. The first representative told me it was denied due to a bankruptcy reporting on my business credit file. I advised that Citi is in violation of the XXXX and the Consumer Protection Act. I requested that my application be retracted, since I was not extended my credit. The representative ask me to hold on while she escalated, XXXX mins later the call disconnected without me speaking to " XXXX. '' I called back and the business representative told me the denial was because of bankruptcy on my personal report ( Bankruptcy was administratively discharged in XXXX of XXXX, from the US Bankruptcy court. ) I advised this business representative of the same violations in additional to Citi committing securities fraud. This employee told me I would have not been approved due to my " low '' credit score and the collections which is discrimination. I spoke with XXXX a supervisor from the Business Credit department who also stated that the application was denied because of my credit score, as which is discrimination according to congress.

Securities fraud has also been committed because Citi has refused to retract my application.
Product: Checking or savings account

XX/XX/year> around XXXXXXXX XXXX I was contacted by someone saying they were from my bank Wells Fargo. The number was the number from the back of my ATM card. They said that they noticed someone trying to access my account through XXXX XXXX. They had a few of my last transactions which were correct. They also stated the reason I was not receiving alerts was due to them being redirected to the person using my account. They had me open my wallet supposedly in an attempt to reestablish alerts. Once I opened XXXX XXXX I started getting notices that someone was trying to connect to my XXXXXXXX XXXX. I replied NO every time and when I started to question the person on the phone my phone shut down, went into SOS mode. I tried to access my XXXXXXXX XXXX  and they had already changed the account information and I was locked out. They then accessed my ATM card and transferred XXXX to XXXX XXXX XXXXXXXX will not help at all. I contacted the bank, opened a case, shutdown my online account, changed all emails and passwords for all accounts.
Product: Debt collection

I am disputing owing any money to XXXX XXXX. I sent the collection agency representing XXXX a certified letter asking them to send me proof of this debt and have received nothing. I have proof they received my letter of dispute and since they are not willing to provide the proof of debt they claim I owe, I would like any record of this supposed debt taken off each of the credit bureaus they have reported to!

I would also love to see a public apology to all of the current and former customers this company has blatantly ripped off. However with the likelihood of that happening being slim to none, I'll settle for clearing these fraudulent & fabricated claims against me from my credit record.

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Lakes student loans 3 x XXXX XXXX XXXX XXXX loans old old please remove from report trying on obtaining a home loan
Product: Credit card or prepaid card

I visited XXXX from XX/XX/XXXX to XX/XX/XXXX between that time I rented a car From XXXX XXXX XXXX  company the computer placed a XXXX dollar hold on my credit card for incidentals. There was damage to the car when I returned it and they told me how much I would be charged for it which was XXXX dollars. I was told that the hold would fall off and that I would only be charged XXXX. The entire XXXX settled on my account and then I was told I would be refunded the difference of XXXX. I waited and didnt not see the credit they kept tell me to wait for so I filed a dispute with Citi card and sent the appropriate documents in. Each time I would call Citi card to check on the status of the dispute I would be told its still processing and I would just have to wait another 7 to 10 business days because they are waiting on a response from the merchants bank which is the XXXX XXXX XXXX XXXX XXXX. Being frustrated with Citi for taking forever I called XXXX and was told they have no records of communication with Citi for the amounts stated. I need this to be expedited because The records I received from XXXX XXXX XXXX show that a authorization and refund was issued through XXXX on XX/XX/XXXX and today is XX/XX/XXXX and between Citi card and XXXX  I am still out by XXXX dollars.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX : XXXX XXXX XXXX XXXX account number XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law

91-506, Title VI, Section 611. Please provide the names business addresses of each individual with whom you
verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$660.00}
Product: Checking or savings account

On Sunday XX/XX/2023, at XXXXXXXX XXXX I attempted to deposit {$250.00} dollars in cash into an XXXX XXXX XXXX XXXX ATM for my Bank of America savings account on campus at XXXX XXXX. The machine read a technical error, and would not return the money I had inserted into it. The money has not been entered into my account. Instead, I was given a small paper receipt that declares the technical issue, along with the amount of money I attempted to deposit, but did not receive back. 
I proceeded to call XXXX, Bank of America, and the XXXX financial office, all not no avail. XXXX has told me that they are in the process of filing a claim, while my provider, Bank of America has done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ignoring the cares act and lowering credit scores due to unpaid student loans even though all student loans are suspended
Product: Student loan

I am re-paying federal student loans using the PSLF program. This program requires income recertification yearly. This recertification was put on pause during the pandemic along with the monthly payment, which had been in forbearance. Beginning XX/XX/XXXX, the payment pause ended and the stipulation that income recertification would restart XX/XX/XXXX unless your assigned recertification date fell prior to XX/XX/XXXX. People with recertification dates prior to XX/XX/XXXX would have their date extended by 1 year. 

For example, my recertification date was XX/XX/XXXX. This date is prior to XX/XX/XXXX and therefore per the FSA website the date should be extended to XX/XX/XXXX. 

The loan company MOHELA was contacted on XX/XX/XXXX and agreed the date should be extended to XXXX. The MOHELA representative stated this would be corrected in 2-3 days. It was not. MOHELA was recontacted on XX/XX/XXXX, they again agreed the date should be extended to XXXX but reported this takes XXXX business days. The date was not changed. MOHELA was again contacted on XX/XX/XXXX at which time the MOHELA representative reported MOHELA was unable to change dates and reported the Federal Student Aid office would have to change the date. All phone numbers provided to this office reach an automated message that disconnects at the end of the message. Live chatting was attempted with a representative from this office ( Federal Student Aid office ) on XX/XX/XXXX however they reported I should contact MOHELA and provided no further assistance. 

To this point it seems the program is violating its own terms with no accountable party. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX INT Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Employer XXXX - Account Number : XXXX