23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the point where I dont expect too much from you now because you continued to report this fraudulent information in my file though I have sent over the documents needed to justify my concern about being an identity theft victim. I dont believe that you there at Equifax have no time to tackle or review my complaints and Im sure you have seen the FTC Ive sent. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy ... Be responsible and abide by the FCRA Law! 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX
Product: Mortgage

I set up an autopayment for my mortgage company Amerihome Mortgage, which was, unknown to me, not going into effect until after the due date. Once the account was made delinquent, due to the autopayment, not processing, the future autopayments were not made because the company will not process autopayments on accounts in " delinquency. '' Throughout this process, the company maintains that it made attempts to contact me, however, I have no receipt of any attempts to contact me until the date which I was made aware of the delinquency in early XXXX. The entire time that the company was " not receiving payments '' they had my bank account information and autopay permission on file. The company advised me that they called me at the number on file, which is the number I listed as my employer 's number, not my primary contact. As well, no email was sent to my contact address regarding any delinquency or missed payments. I have received no contact regarding this issue until XXXX. When I addressed the issue with Amerihome, they stated they would file an inquiry. I received the decision on the inquiry today that no adjustments are warranted. I believe Amerihome Mortgage is participating in predatory practices designed to intentionally place borrowers in delinquency. When I attempted to contact the company again, I was greeted by two extremely defensive and uncooperative customer service agents.
Product: Prepaid card

I have two American express gift cards for {$100.00} each that I've tried using online at several different online stores and it will not work.
Product: Credit reporting or other personal consumer reports

How can the original creditor report 2 different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, there was a hard inquiry on my Equifax credit report. It came from XXXX  XXXX XXXX XXXX. I did not authorize XXXX  XXXX XXXX XXXX- verbally, electronially, or physically ( via signature ) - to access my credit report. I then promptly filed a dispute with Equifax regarding this innacurate hard credit pull, as I did not authorize this. I do not believe the action was one of Identity theft, because I did have an account with this credit union, but they accessed my credit report with information they had on file and without my authorization or provided information. Equifax refused to remove the hard inquiry after my report was filed. Documentation of this is attached. I requested the credit union remove the hard inquiry, but they refused and told me to contact equifax to dispute it, which I did as I mentioned.
Product: Checking or savings account

On XX/XX/2021 two items were cancelled with XXXX and I was charged for those items and was supposed to get {$21.00} back for the two items the bank chime is withholding it and won't stop withholding it. I never received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX  also there are addresses listed on my XXXX report and equifax report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also equifax is not reporting my job which I have been with since XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of domestic XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Product: Credit card or prepaid card

On XXXX I missed a phone call supposedly from Wells Fargo a voicemail was left claiming that they was a suspicious activity on my account but it was declined and that I should call the bank I did and everything seems to be fine, the next day I receive an email starting that my account was overdrawn by over {$1700.00}, I call Wells Fargo bank and was told it was a purchase from a hospital in XXXX and that they had to wait until the amount of {$3700.00} either cleared or declined before they can do anything, they credit my account back for the {$3700.00} but then I received a letter starting that their investigation showed that either I did the purchase or that I give permission and that they will be taking the money back. I called the claim department and was given the run around, one representatives told me that it was out of Wells Fargo hand and that it was visa who made the decision, and that they couldnt find any information on the merchant, I was told that I am responsible for protecting my account and that they can not give me any information on visa. I am a single mom of XXXX children, I work and go to XXXX school full time, I can not afford to lose that much money. This is causing me a lot of emotional distress. I appreciate all the help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I filed an EFT claim with Wells Fargo Bank. The claim was investigated and It was determining that an error did occurred on my account. However my account was closed with no explanation and I was told that I can not open a new account with Wells Fargo. I would like an explanation for the closure & an explanation as to way am not allowed to open a new account. I strongly believe that Im being profiled & labeled by Wells Fargo Bank base on my age & race.
Product: Money transfer, virtual currency, or money service

Cashapp allows scamming of their customers. They allow the scammed to make accounts and when a person gets scammed they say. There's nothing we can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX  XXXX  XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$49000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX/XXXX/XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open.. 


FCRA violations : accounts not mine XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX  XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. $
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$110.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, XXXX XXXX XXXX, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit card

I was given a lower credit limit than other customers with the same credit profile by Chase Bank, these protected class of people were of caucasian decent that were 1 week out of bankruptcy chapter 7 and given a {$7500.00} to XXXX line of credit with a fico score of XXXX, while customers of color are given less than half of those approvals with higher credit scores with no bankruptcy attached to these profiles, i called on XXXX to notify Chase Bank that these actions are very offense and that i feel violated, they have a special customer service department that supervise lower approval accounts, and they are trained to delay or possibly hangup without discussing terms and conditions to people of color and deny additional benefits or lines of credit that are supposed to be automatically approved.
Product: Debt collection

My name is XXXX XXXX and I received a bill from Joseph , Mann & Creed ( Debt Collector ) for a bill due to XXXX XXXX for some service done with statement date XX/XX/22 at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Last year at this time, I resided in New Jersey. I have absolutely no associated to this address and have the documents to prove my residency. I spoke to the debt collector and they also confirmed that birthday of this XXXX XXXX XXXX did not match my birthday. They recommended me to file an online report to have investigation done if someone is impersonating my information or they just somehow have the wrong XXXX XXXX and got my information illegally. 

Please investigate this matter further
Product: Credit card

My Freedom Unlimited Chase credit card was fraudulently used from XX/XX/XXXX to XX/XX/XXXX while I was XXXX XXXX XXXXXXXX, and the amount was around XXXX USD. Chase said they will return my balance and send a new card, but I have not receive any information.
Product: Money transfer, virtual currency, or money service

My company, XXXX XXXX XXXX, sent a transfer of {$3000.00} to the incorrect account. The wrong account number was enterred, because the intended recipient gave us the incorrect information. This was a transfer from our XXXX account to a Chase account. The day of the transfer, the error was noticed, and reported to XXXX. XXXX said they were going to contact Chase to get the funds returned. The funds have not been returned and it has now been 13 days. We also reached out to both branch workers at Chase and sent a XXXX XXXX to Chase to get this transfer resolved. This was money that was intended for a XXXX XXXX who did work for our company and we want to make sure XXXX XXXX receives the funds he is due.
Product: Credit reporting or other personal consumer reports

I have not had any of my employment added to my credit report since XXXX. There is an alias Ive never used and several addresses Ive never resided at.
Product: Payday loan, title loan, personal loan, or advance loan

Signed up for carecredit at the recommendation of my XXXX. My confirmation screenshot shows that I qualified for both interest free if paid for with x months, and reduced APR. 
My total XXXX  bill was for the amount of {$3400.00} on XX/XX/XXXX. But for whatever reason, this was broken out into XXXX payments. 
XXXX payment for {$260.00} for a DEFERRED INTEREST/NO INTEREST plan 2. payment for {$3100.00} for a FIXED PAYMENT REDUCED APR plan The 1. Deferred Interest Plan and the 2. Fixed Payment Reduced APR Plan are both referred to as PROMOTIONAL plans, but they both operate very differently. 
In fact there is nothing PROMOTIONAL about the Fixed Payment Reduced APR Plan. Upon using it, it immediately charges the consumer compounding interest of 18.90 %. Not what someone thinks about when they think about a promotion. 
The alleged promotion here is NOT charging 32.99 % interest. 

Upon reading the statement, and terms of conditions, it appears that there is particular attempt to use language in a way specifically so to make it confusing. Promotional is used to describe multiple different variables, " Promotional Balance '' " Promotional Expiration Date '' " Promotional Purchase '' Also referring to the APR Plan as a " Fixed Payment '' plan, it gives the implication of no interest, despite this not being a fixed payment plan. 

The statement describes the promotional balance of each plan like this " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION ( XXXX ) EXPIRING ON XX/XX/XXXX. '' When it says 'you must pay each promotiona balance in full by its expiration date ' for the Fixed Payment Reduced APR Plan it is saying you must pay off the entire loan immediately to avoid interest. 

Since initially signing up, i've made multiple efforts to setup autopay on the phone, and have continuously resulted in missed payments, additional fees. The website has required several attempts to finally get on, it seems poorly designed and has limited accessibility.
Product: Debt collection

I received a call from someone who said I needed to call another number so she could stop from sending legal papers to sue me. I called that number and the person was so abusive, he had me in tears and said I could pay at a discount but had to pay that day or legal steps would be filed. This bill was supposedly for a XXXX home security system that was at my daughters house and I had unsuccessfully tried to settle two years ago. This call happened on XX/XX/2015. The number I was told to call was XXXX. I feel so stupid and this whole situation has been tough on me. I should have known better. I paid with my credit card because I was so intimidated. Now I feel devastated.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH capital XXXX 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 those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) 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: Vehicle loan or lease

I applied for a vehicle loan in XX/XX/XXXX through XXXX XXXX XXXX XXXX for a vehicle. Truist was the financial institution that was chosen for the loan. In the beginning of XX/XX/XXXX I received a 'bill ' in the mail letting me know my first payment was due. I logged on to their website and paid the amount by/before the due date. While there I decided to sign up for paperless billing. I also looked around to see if I could setup an auto pay. I was not able to find autopay but I figured electronic billing ( email ) would be enough of a reminder, FOR NOW, to make sure I kept up with the payments. 

Today, XX/XX/XXXX, I realized that i hadn't received a paper bill yet for said auto loan. I went to my XXXX account and searched for any email from Truist ... I did not have one letting me know I had an upcoming payment due or any electronic statements. I logged into the website and saw that I had an upcoming payment due on XX/XX/XXXX. Needless to say I was not happy. 

I called customer support and spent ~1hr with them as they tried to help me setup alerts/ notifications/ etc. After wasting an hour of my time I was informed that 'this type of loan ' was not yet able to send alerts or notifications about upcoming bills. While I was very unhappy/ confused to hear this... I asked about setting up an auto payment. Again I was told that this type of account did not currently have access to these features. I asked to speak to a manager ... after another 5 minutes I was told that one was not available. 

So to recap. I DID NOT receive an electronic statement ( nor did I receive a physical one ). I CAN NOT setup alerts about upcoming due dates. I CAN NOT setup automatic payments. I was not able to speak to a manager about my concerns/frustrations. 

I find it abhoredly unacceptable that Truist is essentially not providing me any real consumer tools to be informed and manage my payment to them on time. It seems as if they are hoping I will drop the ball so I can pay a fee ( and take a hit to my credit score ). And I am even more frustrated because this is an auto loan and I don't know how to transfer institutions ( like I could with my checking/savings/investments/mortgage/etc ) ..so I feel stuck.