23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am currently disputing a collection company, XXXX XXXX, reporting a medical bill for XXXX XXXX XXXX XXXX of {$270.00} to Equifax. The medical bill is related to a vehicle accident where I was not at fault. When I went to XXXX I requested they bill my XXXX XXXX XXXX insurance which would have paid 100 % and I also called and asked the corporate office to accept the auto insurance and they decline. I gave them my health insurance left me owing the {$270.00}. I requested to process payment 3 times and they failed to do so. Consequently I received a letter from XXXX XXXX notifying me it was submitted to them for collection XXXX XXXX 2016 and if I paid within 30 days they would not submit to credit reporting. I provided payment within this 30 day time frame via my credit card. I thought was taken care of. I am now purchasing a new home and this item is on my credit reports. I asked XXXX XXXX why they reported to credit reporting companies and they said I had failed to include a expiration date for my credit card. I called and asked XXXX why did n't they contact me and let me know and they said it was n't their responsibility. I resubmitted payment in XXXX and asked XXXX XXXX to please retract their submission to the reporting agencies that I had not paid my bill back in XXXX 2016. They said they could n't so I contacted Equifax explained to them the issue and asked they remove and they said they could n't remove from my report that it would have to come from XXXX XXXX. Explained to XXXX the time sensitivity and how I believe it 's unfair that my XXXX score was at XXXX in XXXX and now is XXXX due to this XXXX invoice all because XXXX XXXX would n't send my a request for my credit card expiration date. This has a high monetary impact to financing my new home. It prevents me from receiving the lower interest rate I would be entitled to had my XXXX score still been at XXXX. It 's extremely surprising to me this XXXX bill of {$270.00} has the ability to impact me so significantly on a personal monetary level. I accept responsibility for what I owe and I pay my bills that I know about 100 %. But when you 're not notified of something so minor as a credit card expiration date it makes impossible to pay especially when I thought it had already been paid. I just need help and unfortunately I keep being told XXXX XXXX and Equifax get 30 days to address this dispute when I do n't have that much time to finance my home and there 's is not away to expedite resolution. I 've never felt so helpless in my life. To maker matters worse I was told by a dispute agent at Equifax that if I enrolled in their program " Complete Advantage '' for {$17.00} per month that they would help me work with other reporting agencies to help resolve this dispute. So when I called Equifax today they told me that was not XXXX of their services and they could not do anything until they were notified my XXXX who has already told me they are unwilling to help me. Please help
Product: Vehicle loan or lease

I paid for a brand new Hyundai XXXX 2014 with a 10 year or under 100,000 warranty. My engine stop working after 2 years. Towed my car to Hyundai XXXX dealership where they submitted inaccurate information regarding maintenance to the warranty company that denied my claim also deemed Final decision. Without no evidence as to what paperwork is missing from maintenance for claim denial. Ive submitted all information regarding maintenance on vehicle, and Hyundai and the warranty company is not disclosing who made this decision and why. My car has been down for 2 years because of this situation and Im hoping someone can help me investigate this matter
Product: Mortgage

Hello, So here we are again. Every time there is an escrow analysis or change with my account there is an issue. Not to mention the issue is always when the servicer owes me money. 
Han an analysis done XX/XX/XXXX. There was an overage of XXXX dollars. Check was supposedly mailed XX/XX/XXXX from literally XXXX mins away. Today is XX/XX/XXXX and there is still NO check. 
I called them and spoke to a nice young woman that was very sympathetic, and she advised me that I needed to wait 30 days for them to reissue the check. Not only that but I need to call them and request it when 30 days is up. 
This is ridiculous. There is no way it takes 30 days to mail something to somewhere that is in the SAME STATE. 
Perhaps XXXX dollars is not a lot of money to them but when you have XXXX and your hours are reduced for treatments it makes a huge difference. 
I have had nothing but delays whenever I ask for any assistance from this company. It is sad. I am also not interested in why it takes so long, as I know that it is possible to stop and reissue it sooner. Please send me my money. I can not afford to wait another month because XXXX cant figure out how to mail a letter. Also Please don't blame the USPS as I know mail is delayed, but it is not delayed for this long. I suggest guaranteed rate look for a new subservicer. XXXX is terrible. 
Thanks
Product: Debt collection

on XX/XX/2020, I open my door to someone trying to ''repo '' my car, they refused to give me a name or allow me to verify the legitimacy for the repo order. After asking them 11 times to leave and notify them they are trespassing, they refused to do so, I called the police, when they arrived they notified them that they had to leave my property.meanwhile trying to drive off my property with me in the car and raising it on the tow truck less than 2 inches from my leg, with me in the car! 

The next morning i get on the phone with my finance company to address this issue, they advised me they did NOT authorize anyone to come out and repo the car, and that they do NOT condone such behavior, that same day i get a knock on the door, and non stop ringing on my doorbell from the company that came and tried to repo my car, they are looking in my windows and peering around my yard, this is harassment of the highest sort and i demand these people be held accountable
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts I have marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also XXXX  is reporting 11 late payments but Transunion and XXXX are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase Equifax and XXXX only removed XXXX to XXXX of the inquiries.
Product: Credit reporting

My credit score was XXXX on transinion and XXXX on XXXX until XXXX submitted submitted incorrect information about my payment history. XXXX corrected the information and sent me a copy of the letter acknowlgiits corrective action. I see my score has changed a bit, it has NOT been restored to its previous position
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a series of Zelle payments were made, 4 of them to a person called XXXX XXXX. I work constantly and, I told my self I would report fraud to my bank when I was not at work. It slipped my mind as I have two jobs. As of today another series of Zelle payments were made to a person called XXXX XXXX 3 payments were made. I decided to call my bank today to finally dispute these and get some answers for myself. XXXX  XXXX said they will take my statement for all of the Zelle payments and that its very unlikely Ill get my money back. I do not understand how someone could have gotten access to my things and how there is possibly nothing that could be done. In my statement I said I dont recognize either of those names and that I never made any of those payments. They said I can get my account fraud checked and that I could possibly press charges if nothing could be done. I just need my money back because this is ridiculous and how is it that no one can do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Lender, Freedom Mortgage Company, reported to the Credit Bureau that l missed a Mortgage Payment in XX/XX/2020, and that my account was over 656 days late, which is absolutely not correct, because my account was in the Forbearance. I have attached my XX/XX/2020 statement to refute this error that was reported to the Credit Bureau.
Product: Credit card

On XXXX XXXX, 2016 Bank of America closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Bank of America staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. 

As a result of Bank of America 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.
Product: Credit reporting or other personal consumer reports

Last week, I checked my XXXX XXXX, which was XXXX. All my accounts and credit cards are in good standing, even under 10 % usage of my credit availability. However, on Saturday, XX/XX/XXXX, my credit score went down XXXX points to XXXX without any change on my credit report. 

I have never had a collection account and no derogatory remarks ; therefore, how come my credit score went down XXXX points in one day? 

I was on the phone for two days with TransUnion XXXX reviewing my entire credit report ( XXXX pages ), and we couldn't find anything that changed because nothing changed ; they gave me a case ID. I waited two days, and because I didn't receive any information, I called back again, and we did the same procedure, telling me they were elevating the case to be reviewed. 

TransUnion ID case. XXXX XXXX ID case. XXXX Between those days, I was in touch with all the financial institutions where I have accounts, credit cards, etc. All of them confirmed that my balances are in good standing and below 10 % of credit availability on my credit cards. 

Furthermore, yesterday, I received an email from XXXX XXXX, another place where I check my credit score, congratulating me on my " XXXX XXXX. '' Besides, when I clicked " check my entire report '' in XXXX XXXX and then click on what changed between last week and today, it said nothing changed and even confirmed all accounts are in good standings, below 10 % credit usage on credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 
I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Equifax who verified the dispute with the original creditor You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX XXXX  XXXX
Product: Debt collection

So, I got this bill from MOUNTAIN LAND COLLECTION. 
It says that I owe them {$650.00}. They said this is the amount I owe to XXXX XXXX XXXX XXXX. Funny fact, I have never heard of that place or been there. I do remember going to the XXXX  on XX/XX/2020 but I went to intermountain and it was a work-com. This bill was supposed to be paid by the job I was working at.
Product: Checking or savings account

I applied and was able to open a XXXX XXXX XXXX had my money placed there and all of a sudden it was closed. I had to travel XXXX hours to the nearest branch, submit a birth certificate, license, ss card, proof of address. They still denied me and would not tell me why my account was still restricted. After speaking with XXXX different reps, the fraud department told me they would not send my money to me they would release it to the state in unclaimed. Everytime i call, I am placed on hold for hours and there is no reason my account should have been XXXX XXXX XXXX in the first place. I have provided them with a birth certificate, license, proof of address several times and they still refused to send my money.
Product: Debt collection

I purchased a vehicle that was stolen at a family members house party. I filed a claim with insurance company and they were supposed to pay it. I never received any other communication from the company or lein holder until I was notified at work that a judgement has been filed against me from XXXX
Product: Credit card or prepaid card

I am an XXXX XXXX military member who signed up for Barclaycard 's XXXX XXXX which is known to carry an {$990.00} annual fee only because Barclays promised to waive the annual fee until my XXXX XXXX  XXXX commitment ended. I am a career military member with 15 years left of XXXX XXXX XXXX. All of a sudden Barclaycard 's XXXX XXXX sent me a letter saying that I would no longer receive the waived annual fees of {$990.00} and for my dependent 's additional card. I understand they are trying to get in align with the Servicemen Civil Reliefs Act ( SCRA ) but you can not above and beyond the SCRA to lure new applicants and then switch on those same customers. I understand not waiving them for new customers but they should honor those who applied before the changes. You can not mislead servicemembers with empty promises and affect their FICO scores by forcing to close their credit cards if they do not wish to pay the {$990.00} annual fee. Barclayscard is not honoring their original terms of the agreement. Barclayscard 's XXXX XXXX made the changes to their SCRA policy in XXXX XXXX, 2016 and I applied for the card well before and activate my card on XXXX XXXX, 2016 and my dependent 's on XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX 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 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: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute on Experian for account XXXX XXXX XXXX XXXX XXXX, I stated that I was not late for the month of XX/XX/2024. On XX/XX/2024, the Account came back as " XXXX ''. A noticeable change was that now XX/XX/2024 is reporting as NO DATA and now XX/XX/2024 is reporting XXXX  days late. Which is not only inaccurate but all they did was just put the XXXX day late payment in another spot in an effort to not have to remove it. This very scenario has happened multiple times before on various accounts. If there was a true investigation done, the late payment would have been removed. But like always, to get rid of me as soon as possible, Experian makes tiny little insignificant updates to make it look like they did something, when in fact there was no investigation. At this time I demand a reinvestigation, an honest and thorough investigation. After all it is my right as a consumer to request a complete and accurate credit file. According to FCRA XXXX. XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a XXXX XXXX XXXX when such information was obtained directly from a creditor of the consumer or from the consumer. Please XXXX Investigate this account and if it is incomplete, inconsistent, blatantly inaccurate, or unverifiable in any way, the account in question must be removed from my credit report. I greatly appreciate you attention to this matter.
Product: Bank account or service

I had a bank account with First Niagara in XXXX, PA. I noticed around XX/XX/XXXX that a check cleared in XX/XX/XXXX for {$900.00} to my landlord. However, my rent was {$600.00}, and I had a rent receipt for a {$600.00} cash payment for XX/XX/XXXX to my landlord. I also had several fraudulent electronic charges. I was XXXX in XXXX, and had to get a XXXX in XX/XX/XXXX and do XXXX, so I was not in the condition to moniter my bank account. I spoke with the manager at the XXXX, Pa branch on XXXX XXXX, and submitted an affidavit and filed a police report for the {$900.00} check. However, the bank refused to refund it under fraud, stating that I was negligent for allowing a fraudulent check to be written and cashed. The copy of the check for {$900.00} was very obviously not in my handwriting, and the largest check that was ever written on my account was under {$150.00}. I was told I had fraud protection on the account, and would be notified if there was suspicious activity. A check that was excessively high compared to my entire account, written to someone that I never used a check for, should have flagged. My bank agreement says I have one year to report a potentially fraudulent check, and since I met that. I reported it as soon as I saw the issue. I debated with First Niagara about this issue for over one year, and ended up closing my account. I believe the check should be refunded. My agreement for my account included fraud protection, and a check that large met the criteria to be flagged according to my agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a refinancing from a bank. They checked my credit score and found my credit score from XXXX is not available. I had a mortgage account which was opened last XXXX. On the credit report, it missed my mortgage account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to Capital One and the lawyers for Captial One and told them of the excessive late fees on my account during Covid. I also disputed the amount and they can't prove to me my purchases just late fees on my account. I ask them to take off the inaccurate amounts until they work it out.. They refused and I gave them 10 days to take off the charges or go to litigation. I have 3 accounts with Capital one and they have over XXXX in fees since covid. The hardship in paying my rent or credit cards and the excessive fees are not right. We are in a pandemic and you charge late fees or you don't negoitate
Product: Credit reporting or other personal consumer reports

I have been communicating with XXXX, Transunion and XXXX to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. XXXX data breach provided my personal information out my credit was hit with a lot of fraud activity.