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

Below is an email I sent to Equifax 11 business days ago ( on XX/XX/2020 ). I immediately received an automatic reply saying they received my email and would reach out soon, and I have not received anything from them since. 
________ Hi, I tried to do this online, but when I login with my correct username and password I see the screen below : [ Screenshot of their webpage which only told me to give them a call, with no additional information ] I gave you a call, as requested, and after entering all my identity verification details into the automated system and spending 1 hour and 15 minutes on hold listening to music, during business hours, I had to hang up. 

I need to dispute a hard credit check that shows up on my credit statement in XX/XX/2020 that looks like it's from XXXX XXXX Bank credit cards, though I'm not sure. I did not apply for a credit card in that month or approve any hard credit checks. 

I would also like to freeze my credit immediately, so that no one can apply for new lines of credit or run hard checks. 

I was able to do this easily, online, in minutes at XXXX and XXXX, but not with you Equifax. You're the most difficult to deal with. 

Please make my online account work, investigate this unauthorized credit check in XXXX, and freeze my account immediately. 

If I do not hear back within 2 business days, I will submit a complaint with the Consumer Financial Protection Bureau. 

Regards, -- XXXX XXXX
Product: Debt collection

I am completing this complaint, as it appears the collection agency is now operating under XXXX XXXX XXXX. I was a victim of IDENTITY THEFT. They are saying I have a collection owed to them in the amount of XXXX. This debt is not mine! I dont see how Equifax can verify as accurate if my identity was compromised. My social security card, and license were stolen. Since the thief used my information of course it may show this valid, but its NOT. I have sent a letter to the agency requesting concrete proof I rented the apartment over 30 days ago, and have not received it, so by law it states that if I am a victim of identity theft, I am to submit proof, which I have attached my FTC AFFIDAVIT. According to 15 U.S 1681b it is the credit bureaus job to block any information in relation to the identity theft from my credit file. I have tried to resolve this with the rental company, and it is the credit bureaus job to operate fairly and ethical. Stating that my debt is valid when there is no proof is unethical. This one collection is completely ruining my livelihood, and is stopping me from getting an actual home. This debt is not accurate as I am a victim, and should not be penalized in accordance to law.
Product: Debt collection

First I sent a debt validation letter LVNV Funding and requested proof of the debt assignment.next I asked for the original contract that I sign from the original creditor also a payment history and dates from the original creditor also this account has been sent to another collection agency with out my authorization it started XXXX XXXX and they sold it to XXXX now XXXX has soled it to resurgent capital service another debt collector.all this is with out any of my authorization in witch is illegal under 15 usc 1692g also NO 1099C form was ever sent to by XXXX XXXX  after this charge off.
Product: Prepaid card

I was gifted an American Express gift card on XX/XX/2023. I retained the receipt and the gift card was purchased on XX/XX/2023. 

The gift card was loaded with {$200.00}. I have since tried to use the card from XXXX online retailers : XXXX and XXXX. The total of my cart from XXXX was {$100.00} and upon putting the order through I received an error message that said XXXX not honour '. I then tried to use the gift card at XXXX on XX/XX/XXXX for a cart with a total of $ XXXX the order was placed but I never received confirmation until I checked back the morning of XX/XX/XXXX to an error message saying 'Revise payment method ' as the prepaid gift card would not work. 

I additionally tried to add the card to XXXX to perform a transaction. The card added successfully but once I attempted to perform a payment using the card I received another error message regarding the gift card. 

I have also attempted to use the card in person at XXXX. The order total was under {$5.00} and the card still declined. 

When I called AmEx their customer support kept insisting that the authorization charge was the issue but the insinuation that the XXXX retailers, XXXX of which being some of the largest in the world, and XXXX, all use at least a {$200.00} authorization charge is comical. They would offer no other explanation other than the authorization charge and that I might have put in the wrong CVV number before they hung up. After searching the internet this seems to be a common problem recently with AmEx, insufficient products with terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

In XX/XX/2024, I bought an e-bike from XXXX, but it broke within a week. I contacted XXXX for assistance, but they never responded. I disputed the charge with Chase, and they gave me a temporary credit while allowing XXXX two months to respond. XXXX never disputed the charge, and in XXXX, a Chase employee confirmed the credit was permanent since the dispute window had closed. 

However, a few months later, the charge reappeared on my account. Chase claimed it was because I didnt return the bike, but returning it was not relevant to my original dispute, which was about the bike being broken and XXXX failing to help. XXXX 's return policy was 30 days, and they never replied to my inquiries during that time. 

Now, Chase says me not returning the bike is valid grounds to remove the credit, contradicting their earlier stance. Despite following up with Chase repeatedly, Im now being told the timeframe to dispute has passed, which is unfair since I acted within the proper timeframe initially, and the issue stems from their mishandling.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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  has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received from my employer a Judgement/wage garnishment from XXXX. I contacted XXXX XXXX immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to XXXX XXXX that the credit card owed was a legal responsibility of my exhusband, but XXXX only gave me the option of paying the amount in full ( along with legal fees and interest rate XXXX, or XXXX would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork XXXX legal document ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and Equifax customer service I Informed them that I had some unknown negative inquiries on my report that I needed removed Immediately. I was put on my phone with Multiple customer service reps and supervisors letting me that the inquiries would be removed in 72 hours which was False information which is why I am now putting in this complaint because I need these inquiries removed.
Product: Debt collection

On XX/XX/XXXX, Transworld Systems Inc. contacted me via mail to collect a debt from XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to Transworld Systems Inc. using a modified version of a form letter from the CFPB informing them that the debt was already paid alongside information on how merchants can locate payments and documentation from my virtual credit card vendor and my bank indicating that the payment was processed and the money removed from my bank account. The letter also requested documentation that give them good reason to believe I still owed the debt. On XX/XX/XXXX, I received mail from Transworld Systems Inc. again seeking to collect the debt with no additional documentation supporting the debt. Additionally, there was no indication that they had attempted to determine if the debt was still owed or not.
Product: Debt collection

Starting on XX/XX/year> around XXXX I have been getting a numerous amount of phone calls from different debt/mortgage companies asking for a XXXX XXXX. Yesterday I received about XXXX calls from XXXX - XXXX. This morning XX/XX/year> starting at XXXX I yet have received my first call of the day and have been called a total of XXXX calls just from XXXX - XXXX asking for the same person. I have received also numerous text messages from companies like XXXX, XXXXXXXX XXXX XXXX. I have told them to stop calling me, but they don't listen and continue. This is getting out of control, and I feel like I am being harassed. I keep telling them they have the wrong number and to not call me back, but they do instead. Decided to contact the CFPB and make a report.
Product: Mortgage

COVID forbearance emergency - our mortgage companies will not work with us on a modification, but instead want to short sell or foreclose. 

My wife and I were hit hard financially during COVID, I lost my company and all ability to earn money. We entered into a COVID forbearance program to alleviate some hardship on our family. We extended the COVID forbearance for the full 18 months and immediately began the loss mitigation modification process with both of our mortgage providers, we have a primary and a home equity. 
The primary mortgage was sold to Rushmore Loan Services prior to our forbearance ending so I have no history with this company, but they've denied our modification because they say they can't beat our 5 % interest rate. I've requested a deferral instead so we can proceed with our monthly payments, but they stated that they can't modify our mortgage unless they can better it. They've offered a short sale, foreclosure, or a deed in lieu in place of a modification. I have four children, all of who live at home, and selling our home is not an option. Since COVID has slowed down, both my wife and I were able to obtain full time employment, and are more than able to meet our monthly obligations, but we need Rushmore to offer a workable option for us. We just came out of our financial hardship so the last option they provided, of paying the FULL past due balance is not an option either. 

Our 2nd home equity mortgage modification has been in process since XX/XX/2021. I've jumped through hoops to get them all of the information they required, and have been denied twice based on that my 1st mortgage is not in good standing. I don't have other options. COVID left my family financially struggling, and the mortgage companies are not willing to work with me on resolving this. We're being taken advantage of, and also feel that the mortgage companies are more interested in stealing my house then helping me work out a solution.
Please help, I've exhausted all other options and I'm afraid I'll lose my house to these predators. 

Thank you, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX # XXXX - Opened on XX/XX/year> Account Name : XXXX XXXX XXXX # XXXX - Opened on XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XXXX 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! 

XXXX5 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 XXXX days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 card or prepaid card

I emailed, called city national bank customer service several times during the past 2 weeks to close my card. They stated only my banker will be able to close it and they have sent an email to my banker to close the account and will get back to me within 48 hours. However, it has been 2 weeks after 3 unsuccessful phone calls to close the account. I also personally called my banker, got voice message and did not hear back. All I need is to close my city national bank crystal credit card.
Product: Debt collection

In XX/XX/XXXX, I spoke with a representative from XXXX XXXX XXXX about a past debit. At that time, I made arrangements to settle the debit. I also asked the representative, that once I paid the settled amount, would this collection be removed from credit report. The agent advised that it would. I called back once the debit was paid and was informed that that it would stay on my credit report for seven years. I spoke with a manager by the name of XXXX, who advised that he would listen to the conversation that I had with the rep. However, he never returned my call. I then began to research the company online and noticed that XXXX XXXX XXXX XXXX, licence with the State of Georgia has been dissolved since XX/XX/2016.
Product: Debt collection

Received alerts on my credit reports that this was added. I called the company, gave them my name, address, SS, DOB, etc.. They couldn't find anything with regards to me in their system. Not sure how or why this showed on my credit if they didn't have any information on me at all. 

XXXX XXXX XXXX  . 
Medical Bill Original Balance : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX- XXXX XXXX Late Payment You replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
You have 10 days to send me all the required information. 
XXXX XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

My son passed away. I took the order of summary administration to PNC in XXXX XXXX XXXX, XXXX, and they refuse to release the funds to me.
Product: Checking or savings account

Bank of America. I provided a check for my annual mortgage tax payment of a significant sum ( nearly $ 15k ). The check was deposited by the tax commissioner on XX/XX/XXXX. The funds in my account were ~ {$60.00} short of the entire ~ $ XXXX payment. Direct deposits for the two spouses on the account clear at XXXX  on XX/XX/XXXX ( show on the XXXX ). Bank of America could have easily held the check and clear it only a few hours later. Those direct deposits would have shown to Bank of America at least two business days previous prior to cleaning, so they would have been perfectly aware that the funds were set to clear. I received notice from Bank of America on XX/XX/XXXX that they rejected the check, did not pay and issued a {$48.00} NSF fee. They also withdrew the funds from my account and have not returned them ( they say they will at XXXX   tonight ). As a result of the rejection of this payment when B of A knew the funds were clearing within hours, they have both charged a NSF fee equal nearly to the shortfall in the account, taken advantage of a NSF fee on a shortfall of less than 0.5 % of a check amount and were perfectly aware that two direct desposit checks were showing at XXXX. Now, in addition to the NSF fee, we must take the steps of contacting our local tax commissioner to determine how to pay and will be charged a fee by the local tax commissioner.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks. 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Product: Mortgage

Property address XXXX XXXX XXXX XXXX FL XXXX Last week I learned from PennyMac, raise my mortgage payment out of nowhere. There was no letters telling me about the increase. No phone calls whatsoever telling me about the increase.. no form of any type of knowledgement. I only learned about this when it was time to make my mortgage payment I went online, to make the payment when I noticed an increase of so many hundreds per month. Look like it was adding almost to a grand extra per month. 

I have a FHA loan which supposed to have set payments for the next 30 years. I couldn't understand how they could have been an increase extremely so high out of nowhere. Nevertheless never to be notified about the increase in a timely matter. There was no correspondence from PennyMac letting me know about this increase. Furthermore, PennyMac was contacted about this increase. They stated clearly that the property tax is on the house increase more than {$5000.00} for the year.. Which I found that nearly impossible. How can you tell me, that property taxes could increase by {$5000.00} per year.. that is exactly what a representative from PennyMac has stated. 

XXXX county tax collector office was contacted right away. Who clarify how much the property taxes went up. XXXX county tax collector office informed us, that the property taxes only went up {$370.00} more a year. Not over {$5000.00} more a year.. however, PennyMac, was contacted for them to recalculate and make the necessary corrections. Nevertheless, we also sent them a copy of the property tax bill what it should be. Nevertheless have they made the adjustment. Yet they still want to charge us an increase of almost a grand more a month.. they told us if we did not pay that extra more a grand per month, that we would be considered in default with the mortgage payments. So it clearly took us by surprise that we had to pay almost XXXX more to cover for the mortgage payments.. nevertheless, we was told we would have to pay that increase for the next whole year, per month. I do not understand how did they do their math. How do I go from a 30-year fix, and get in an increase of XXXX per month more. On top of the mortgage payments I make currently. There is no way we could afford a extra {$800.00} more per month. Then again there's no way a property taxes could go up {$5000.00} extra per year. Because property taxes have a cap. They basically double my property taxes. With an increase of more than 100 %..