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

I would like to bring to your attention that the Bankruptcy Court does not associate with any creditors or inform them of any information regarding consumer reports. Therefore, the information being reported is incorrect and should be removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy account notation is erroneous : You guys are violating the ( FCRA ) & i demand a removal or ill have to take this to court U.S. Bankruptcy Court XXXX, Nj XXXX XXXX Discharge
Product: Mortgage

My loan is being transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ewing, NJ To Flagstar Bank XXXX XXXX XXXX XXXX, MI XXXX I received notice from XXXX bank about the loan transfer on XX/XX/2022, in a letter dated XX/XX/2022. 
The letter states that XXXX will stop accepting payments after XX/XX/2022 and Flagstar will start accepting payments XX/XX/2022. 

I called Flagstar to pre-arrange payments on XX/XX/2022 and inquire about online payments. 
The flagstar agent told me they could not access my loan in their system ( I provided both the old and new loan numbers to them ). They told me that I could not arrange for payments until their system was updated, even though, according to the transfer letter, my loan payment is due to Flagstar on XX/XX/2022 because XXXX is no longer accepting my payments. 

XXXX had been auto-drafting payments from my checking account for the duration of my loan with them. 
Flagstar refused to help me set up auto payments prior to their indicated due dates for payments. 
Flagstar sent me a transfer letter dated XX/XX/2022 and received XX/XX/2022 and indicated that I must register and log in to their payment system to continue the auto-draft payments when they take over my loan XX/XX/2022. 
The flagstar online system ( flagstar.com/myloans ) will not allow me to register with the information that is recorded on my loan. The bank refuses to accept payments from me after the transfer date unless I mail them. 
XXXX  online payment system shows that my loan payment is scheduled to auto-draft to them on XX/XX/2022 and I am not allowed to cancel this auto-draft payment. 

Flagstar phone agent supervisor tried to assure me that there was nothing I need to do to transfer the auto-payments to Flagstar, even though the letters I received from them indicate otherwise. When asked to provide the assurance in writing, the agent refused to do so. 

I do not feel that loan servicers should be allowed to transfer my loan without advanced notice, and I do not feel that my payments should be due to the new servicer when they have refused to allow me to register in their systems. 
I also do not feel that it is legal for XXXX  to auto-draft my payment amounts AFTER the loan has been transferred to Flagstar. 
I am concerned that I will have to claw back my money from XXXX online payment/auto-draft system and it will be impossible to mail the payment to Flagstar in time for the due date that they have specified. 
If these banks are going to force consumers to do a bunch of paperwork due to a loan transfer that the consumer did not request, and did not choose, they should make the transition of online payments seamless, without causing worry or additional footwork to get the money to the right place on time. 

I have perfect payment history on my loan and I do not wish to have my credit or payment records impacted due to the negligence of Flagstar bank, who can not seem to set up their payment systems in time for customers to make payments before the due dates they're stating in their transfer notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of the incorrect amount to Ford motor credit, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!
Product: Credit reporting

I have disputed this alleged debt by XXXX XXXX XXXX XXXX to equifax 3 times and to XXXX. XXXX investigation took awhile and XXXX removed it from my report because it was not my debt, where as Equifax emails me the next day with the outcome " remains " and that " belongs to me '' with no other information. I had take matters into my own hands and I sent mail to this XXXX asking for correct validation and I received a letter from them stating it was not my debt. So this goes to show how much of an investigation they really conducted. Not much of one, if any at all. 
Not only this but after I disputed, my fico score dropped XXXX points. I went and bought a report and nothing had changed, literally nothing. I monitor all three reports and equifax never updates. For example, I have XXXX credit card with a limit of XXXX and had a balance of XXXX. I made a payment prior to even getting a statement or bill of XXXX. 
Equifax shows my house payment, my car, my credit card all a month behind vs the other credit agencies showing XX/XX/XXXX being pays as agreed.. They have not updated the report since XX/XX/XXXX and its XX/XX/XXXX. Also I pay for credit score monitoring via myfico and why are they reporting a XXXX point drop when there are NO changes in my report anywhere ( other then I made a dispute ) This is the worst credit reporting agency and we as consumers need our reports to be accurate and updated. I 've been waiting for them to update because I want to get different insurance for auto and home and you never know what insirance companies report they will look at. I see that experian has updated my accounts. What 's the problem here? They are completely incompetent. We rely on these companies for very important aspect of our lives and I have a really difficult time to think they take it as serious as we, the consumer.
Product: Checking or savings account

I found Fraud and included the pending issues : XXXX XXXX  XX/XX/16 {$150.00} ; XXXX XXXX XXXX   XX/XX/16 {$56.00} ; XXXX XX/XX/16 {$6.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XX/XX/16 {$41.00} ; XXXX XX/XX/16 {$17.00} ; XXXX XX/XX/16 {$36.00} ; XXXX XX/XX/16 {$64.00} ; XXXX XX/XX/16 {$18.00} ; XXXX XX/XX/16 {$40.00} ; XXXX XX/XX/16 {$150.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XXXX XX/XX/16 {$25.00} ( this already given and below ) ; XXXX XXXX XXXX  {$35.00} ; XXXX XXXX {$140.00} ; XXXX {$23.00} and XXXX XXXX XXXX {$26.00}. Total : {$920.00}
Product: Mortgage

This is my second complaint I just filed one yesterday to make my point these people at owcen is next to impossible to deal with they are inconsistent poor communicators and have not respect for people in crisis I got a call from on XX/XX/XXXX from a agent name XXXX he left me a message stating to return his call @ XXXX and if he did not ans.tell the person to get him to the phone instead an agent name XXXX just started asking me questions saying she can help with no regards to my request to speak with XXXX I got annoyed with her and just said anything first she said XXXX was not in yet I asked her what time she expected him then she said he would not be in at all I then called XXXX this XXXX guy answered he was not polite all could hardly understand anything he said all they do is verify info but can not help you after you give them all your demographic owcen must do better this is awful no one should have to go such just to do something as important as getting repairs on your home that you have to live in needless to say it is still raining and I am still dealing with robots. ocwen is company no one should have to encounter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a credit card that I was not an authorized user on and is not my debt. The other credit bureaus have already moved it from their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 Consumer received a notification through a credit monitoring service that a New Hard Inquiry has  taken placed. 
A new hard inquiry with no applications made by consumer to have an inquiry.
Product: Checking or savings account

I tried to open an account online with M & T Bank on approximately XX/XX/2019. After going through the various information input screens the last was funding the account, the account required a {$50.00} initial deposit but I continued to get an error when putting in my information to fund the account both with a debit card or an ACH from another account. I waited the recommended 24 hours before trying to set up the online banking log in so that I could fund the account, I received multiple error messages here and was not allowed to enroll when using my account number and information to set up. The other option to enroll in online banking per the website was to enter your debit card number, I waited approximately a week to 10 days before receiving the debit card. I went online at that time to enroll in online banking and fund the account, again error messages and was not allowed to set up. The bank sent me a letter a few weeks after opening requesting that I mail them a copy of my social security card and proof of my residence with a bill in order to finalize opening my account and allow enrollment in online banking. I am absolutely not going to mail a copy of my social security number. I ignored the letter and gave up on attempting to fund or open this account, I started an account with XXXX XXXX XXXX instead. On XX/XX/XXXX I received a letter from M & T Bank showing my account balance as - {$14.00}. They were charging a monthly maintenance fee for the account I attempted to open and could never fund. I called customer service on XX/XX/2019 and spoke to the representative telling him the fact pattern above and requesting that he close the account, he responded that because it was an online account he couldn't close this out until I paid {$14.00} to bring the account to {$0.00} and then paid a {$50.00} early termination fee. I requested to speak with his manager. When I told the manager about the sequence of events above she said that because I had not mailed my social security card and proof of address they had not finalized opening my account, that is why I wasn't able to fund it or set up online banking. I asked her to close the account, she said she could not close the account because it had a negative balance of - {$14.00} which was the monthly maintenance fee and that there was an early termination fee as well of {$50.00}. I told her that I never funded the account, because they would not let me, I never spent a dollar or even activated the debit card, she said I would have to write a letter to her back office in order to close the account and that I would need to pay {$64.00}. To which I told her I will not be paying and I will be filing a complaint with the CFPB, she said go ahead, and so here I am.
Product: Credit reporting or other personal consumer reports

My credit report is laden with inaccuracies, missing information, misleading information. Ive disputed items requesting I be kept informed of the investigation and what measures were taken. 
I reached out to all XXXX agencies and highlighted items incorrect, missing or not related to my identity at all. Accounts are marked as opened XX/XX/XXXX and marked as delinquent XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report I have an incorrectly reported {$50.00} balance owed to my university. I have disputed this balance twice with Equifax, as the account balance was settled in XX/XX/2019. I have also checked with the University to determine if the issue is on their end, but they have stated both times that the balance is reflected as settled on their end as well. I had to dispute this account on my XXXX credit report and it was settled and taken off immediately. 

Equifax suggested I get in touch with the University to expedite the process of having the incorrect balance removed, and it has done nothing. I don't understand why Equifax can just keep an incorrect balance on my report as it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Equifax has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Equifax is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 
Complaint # : XXXX The CFPB sent this complaint to Equifax : Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint.

According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 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 This was Equifax response : Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information. 

Equifax could not have done a proper investigation or re-investigation because my NAME is spelled wrong. After their first, second, & third investigation my name is still wrong. Information on my credit report is still INACCURATE. Equifax is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX is reporting inaccurate I am also enclosing a copy of report to support my complaint. ... 

Also according to 15 USC 1681 e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates...

It also states in 15 USC 1681i ( 5 ) Procedures in case of Disputed Accuracy- 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 remove item off consumer report... 
I have dispute account several times but ALL 3 bureaus stating false statements saying its not, copy of report is attached to support my statement..
Product: Credit card or prepaid card

My daughter used a Chase credit card to transfer money via XXXX. This happened on in XXXX  on : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$3.00} XX/XX/XXXX : {$4.00} Each time, Chase Credit Card charged me a {$10.00} fee for a total of {$30.00} plus interest ( although I pay off my balance and don't carry a balance ). 

They said this is " new '' because XXXX now processes the charge as a cash advance. They apparently didn't do this in the past. 

There was no heads up or warning given that fees and interest would be charged for this transaction through XXXX. 

This is price gouging! they charged me a {$10.00} fee for a {$3.00} cost then repeated this fee two additional times. ( plus interest charges ) I asked them to remove the fees but they won't do it. They said they could waive only one. 

I was not aware of fees of this magnitude ( or at all ). They said this is part of my agreement. It should be illegal to charge 300 % to " borrow '' money for a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : 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 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: Debt collection

XXXX XXXX/ Pinnacle Credit Services is attempting to collect on a debt that I do not owe. I never received the service for which I am being charged. XXXX XXXX was not even allowed in my area at the time.
Product: Credit card or prepaid card

I was denied for a Sam club credit card due to a high risk but I never applied for any previous applications and no credit was pulled and this bank has a history of discrimination in the past and all I wanted was a credit card to fix my credit and build a banking relationship and unfortunately they blocked my social security number and run my credit and sending me bad letters to my address and I cant get a credit card or have the opportunity to send in documents and I would like this to be fixed this problem started after I reported a Sam club account open in my name and it was removed but there is no balance and the bank didnt suffer a loss at all!!!
Product: Debt collection

We retained this collection company Smith Cohen Rosenberg LLC after they pursued and solicited us, not the other way around, for our law firm collections accounts receivables and client debts or bounced checks/chargebacks, etc. Not only did these people routinely settle debts without either notifying us or letting us know that offers were made, but they never sent us their contract for 33 % even though we asked them for this countless times. To make matters worse, they stopped communicating with us or updating us months ago, and when we politely inquired as to what was going on, they coldly and tersely informed us that they were canceling our services with no explanation, irresponsibly, unethically and criminally leaving our law firm in the dust, and now vulnerable to countersuits/litigation from these collected from clients, thus compounding our legal and financial problems.
Product: Debt collection

I am writing this complaint because I have not received enough information regarding an alleged debt furnished to my consumer report by a furnisher who is also a " debt buyer '' named LVNV FUNDING LLC. This debt is stated to be from XXXX XXXX. I am ensuring compliance by providing in this complaint a notice of debt validation regarding the alleged debt by LVNV FUNDING LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXXand noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't applied for anything this year. Due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with Equifax I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. 

1.XXXX XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXXXX/XX/XXXX 6.XXXX-XX/XX/XXXX 7.XXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX - XXXX-XX/XX/XXXX 10.XXXX - XXXX-XX/XX/XXXX 11.XXXX XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX & -XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my Equifax Credit report and I have no idea where all of the inquires below came from. I have tried to dispute this with Equifax but have been unsuccessful. None of these inquiries are showing on the other 2 major credit reporting agencies. I am asking if you could help assist in this matter since Equifax is not help me at all. Thank you XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Money transfer, virtual currency, or money service

XXXX XXXX scam : I'm sure this isn't the first one that has been submitted as a scam. Poster claimed he would sell me XXXX / XXXX game 2 tickets for {$650.00} for 2 tickets. I tried everything to detect a scam - called him, asked for confirmation # 's ( to which he created a fake customer support line for XXXX ticket office and doctored emails ... ). I decided to trust him. When I sent the money, he deleted his text.me phone # and stopped responding to emails / calls / texts. My contention is that his name is fake the name he gave me, XXXX XXXX, is not the same name associated with his voicemail ( I found out later ) and I would wager not the same name he has on his bank account. This violates XXXX XXXX T & C and therefore, the transaction should be void. I contacted XXXX and they told me there is nothing they can do. There is a clear lack of consumer protection and anti-fraud protection with XXXX.