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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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: 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. {$5500.00} ( 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.
Product: Credit card

XXXX XXXX XXXX did not apply the XXXX & XXXX overpayment as per their policy. The payment was $ XXXX which made an overpayment of {$180.00} for XXXX & XXXX That $ XXXX should have been apply to the oldest promotional program. In ERROR it was applied to the brand new program that was just started. I filed a dispute the beginning of XXXX. I was told it should be corrected to match the company policy. I called XX/XX/XXXX because payment was not pull from my account on XX/XX/XXXX. I was told it was because I filed a dispute. The representative redisputed the XXXX & XXXX payment with details that the first dispute did not have. Again I was told it should be corrected. I called XXXX XXXX day before the program closed to see that it got corrected and the older program paid off in full with all payments being made. I was assured by the company representative that it would all be cleared and corrected and NO Interest would be charged to the account. As of XXXX nothing has been corrected and they are telling me it will not be corrected. I feel deceived, manipulated and lied to by XXXX XXXX XXXX. 

Resolution as follows ; Make the the proper payment adjustment to the XXXX & XXXX. Moving each months overpayment the $ XXXX to the proper oldest program. This would create the account being paid in full before the expiration date and Interest charges. Remove the interest charges in XXXX of {$1500.00} and XXXX of {$46.00}. 
Please help resolve this issue for a fair resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by your bureau. The specific account in question is listed as XXXXXXXX XXXX XXXX XXXX with account number XXXX. 

Upon reviewing my credit report, I noticed a significant inaccuracy in the reporting of this account. Specifically : The payment history indicates charge-offs ( CO ) for every month in XXXX, XXXX, and XXXX, yet the balance and status appear unchanged as {$5200.00} since XX/XX/XXXX, when the account was first charged off. 
According to the provided details, the balance has remained the same with no further updates, and the scheduled payments were listed as {$0.00} during the same period, yet monthly charge-offs are still being reported inaccurately. 
This inconsistency suggests that the account is not being updated correctly and violates the accuracy standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I kindly request an investigation into this matter and ask that the inaccurate entries, including the redundant charge-off notations, be corrected or removed promptly. Enclosed, I have included copies of my credit report highlighting the inaccuracies for your reference. 

Please provide me with a written confirmation of your investigation results and any updates made to my credit report. If you require further information or documentation to complete this dispute, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Credit card

US Bank closed bank account associated with credit card, but left the credit card open.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAN NOT log in to equifax to remove freeze- can not get through to company to fix issue
Product: Debt collection

On XX/XX/2019 I was served with a lawsuit by Aldridge Pite LLP a, debt collection attorney, ( case no. XXXX ) naming me and my siblings, ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with the Estate of XXXX XXXX to foreclose on his home, which had a reverse mortgage. I immediately contacted the Law Office of Aldridge Pite LLP. I spoke to the paralegal assigned, MS. XXXX XXXX, to the case and advised that according to my fathers will, I was disowned. I offered a copy of the will and asked that I be removed as a party to the lawsuit. I emailed that will to Ms. XXXX on that same day. Ms. XXXX advised me that she had already spoken to my sister XXXX and would be emailing us a document to sign dismissing my name from the action. She asked that I send her a copy of the will. I also informed her that my brother XXXX XXXX was adopted by my step-father when he was XXXX years old. He was also not a legal heir. According to the will, the only legal heir is XXXX XXXX. 

I never got the email. My sister XXXX however did. I thought that since the statute of limitations to contest the will had expired on the XXXX of XXXX, that the reason I did not get that email was because I provided a copy of the will. I thought nothing of it and didn't even discuss it with my sister. Shortly after that, Covid caused the lock down in my state and Oregon, I did not even consider that I might need to appear in court. I was also not notified that there was a change in attorney 's handling the case, which would have clued me in that I was still on the list of defendants. 

On or about the XXXX week of XXXX, I received a copy of the judgement against me for the default and foreclosure of my fathers house. Not only am I not a legal heir, I was never on the title or the loan. I did not discover that my sister had received the email, and I did not, until I spoke with XXXX after receiving the judgement documents. 

This man was an XXXX XXXX XXXX who was convicted in an Oregon court and served time in the Oregon XXXX XXXX. He was cruel in life and he was cruel in his death and now this law firm continues to victimize his children by trashing our credit and our peace of mind. We would like nothing more than for everything pertaining to XXXX XXXX to die with him. Now we fear that other debt XXXX will also come after us.
Product: Credit card

I have I bank of America credit card I missed a payment and my credit balance went from {$8000.00} dollars to {$3000.00} dollars my issue with the decrease is my balance is {$2800.00} dollars when my credit limit was {$8000.00} dollars I missed a payment and they didn't drop the limit by half which would have made sense, they dropped to the limit {$200.00} dollars from my balance which could create a more probable situation for my or any one to rack up fees of overages.
Product: Credit reporting or other personal consumer reports

Experian has not updated my XXXX XXXX and XXXX XXXX information with XXXX since XX/XX/year>. By Experian own admission, my creditors have reported to them for XXXX as well as XXXX, and they have posted The Updated info on their website. We are now at the end of XXXX, and they haven't updated my info. I find it odd that Experian had no problem reporting on time when my balance increased. However, now that my balance is down to XXXX, I Must file disputes and fight with them to do the easy task of updating the information given to them. Lenders use XXXX to determine what interest rate and loan amount will be given to a consumer. By Experian and other credit bureaus withholding correct information this is causing financial harm! I request that Experian Update My information with XXXX and add any points I should have received to my credit score for XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed the inquiries multiple times with Transunion. Transunion investigated the inquiries and never received confirmation from the creditor. Transunion says, " Since they did not hear back from the creditor if they should be deleted, they will just leave them on my credit report because they never heard back from the Creditor. 
The person I spoke with is : XXXX XXXX XXXX XXXX : file # XXXX. Date : XX/XX/2023 XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I found unauthorized hard inquiries listed on my report, which violate 15 USC 1681c-2. Requesting removal to protect my credit score.
Product: Credit card

I applied for a PNC Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 I made 2 payments to my loan and specified that it was for 2 months of payments but they allocated only 1 payment towards my payments and the other one towards the principle of the loan without notifying me. When i found out what had happened then I was showing 30 days late.
Product: Credit card

I've consistently made sure that payments on this account are made promptly, ensuring they never fall behind schedule. I'm uncertain about the reasons for the late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

On XX/XX/XXXX my mortgage loan was transferred to Selene Finance as the loan servicer via notification from my previous loan servicer. To date Selene Finance did not send me a welcome letter or any mortgage statements. I was in the process of loan modification application with the previous loan servicer at the time Selene Finance took over the servicing of the loan. On XX/XX/XXXX I submitted a new loan modification application with supporting documentation to Selene Finance via email to their Loan Resolution Department and did not receive a response. I followed up on XX/XX/XXXX with a second submission of the loan modification application via email as well and no response. On XX/XX/XXXX I received from Selene Finance a notice of default with intent to foreclosure. On XX/XX/XXXX I submitted third submission of loan modification application with supporting documentation, request for mortgage statements and also requested the calculation breakdown of the amount in default. This was submitted via email, fax and certified mail return receipt requested. I have received the signed certified green card from Selene Finance but to date I have not received a response to my numerous requests. It is important that I have a mortgage statement as I am in process of applying for mortgage assistance with the State of New Jersey and they need recent mortgage statement to proceed with the application.
Product: Money transfer, virtual currency, or money service

I tried to purchase an item ( XXXX XXXX XXXX ) on XXXX XXXX  for a sum of {$130.00} on XX/XX/2021. The seller agreed to a XXXX transaction which cleared XX/XX/2021. The seller stopped responding to my messages, deleted his facebook profile ( and the listing ), and never sent the item. 

I opened a claim with my bank ( Bank of America ) on XX/XX/2021 and submitted a claim through IC3 on the same day. Bank of America contacted the recipient 's bank ( XXXX XXXX  ) but claimed that XXXX was not able to refund the payment to me. The claim was closed on XX/XX/2021. 

I contacted Bank of America again on XX/XX/2021 but they told me that nothing more could be done.
Product: Credit card or prepaid card

On XX/XX/19 I called Capitol One and made 3 payments to catch the account up-to-date per emails and regular mail I received.

XX/XX/19 {$120.00} XX/XX/19 {$120.00} XX/XX/19 {$120.00} The woman that I spoke to at Capital One repeated all the information and the dates and they were correct.

That evening I went to dinner and was unable to use my debit card and I was sure that I had enough money.

The next day I checked my account on the phone and {$120.00} was taken out by Capital One as of XX/XX/2019, which I did not authorized. This caused my account to be overdrawn, an overdraft fee of {$37.00} applied to my account and to have no money left that I had allocated for groceries and gas.

I called Capitol One and they were able to put money back into my account. But to call my bank and it was up to them how long it took for the money to be returned to the account. My bank said the way Capital Bank took the payment out, they could not control how fast the money would be returned to the account.

Finally the last person I spoke with gave me the fax number of the corporate department, but I was not allowed to talk to anybody in that department. I did sent a fax on XX/XX/19.

The bank 's customer service is horrendous. I have been calling back and forth and have spoken to several people : 1 woman cut me off, 1 woman left me on hold for over 15 minutes, 1 senior manager was condescending and threatening.

I fail to see how it could take Capital One only a few hours to get the money out of my account unauthorized, but it would like a week or more to have the money returned to me. It should be directly returned to my account.
Product: Money transfer, virtual currency, or money service

I was utilizing paypal to do business on their platform for my XXXX XXXX XXXX XXXX. We were XXXX XXXX to a XXXX XXXX  company and had made two transactions. On the third transaction paypal excepted my money in the account on their behalf, and automatically locked my account. I now had no money and i reached out to them that i had an emergency and i had no funds or fuel and needed to get to the hospital, and they said they were sorry my funds were on hold for 180 days. I reached out to my state congressmans office and the contacted them however said i made illegal transactions but i did not, and they better get most sellers off their platform if this is the case. 

They emailed me saying my funds were available but only available to view. i have no money bout to be kicked out of my house, and can not purchase products to sell because paypal has appx {$6000.00} of my money. I have noticed the account balance has dropped by appx {$180.00}
Product: Student loan

On XX/XX/year>, MOHELA approved a Natural Disaster forbearance on my XXXX Mohela loan ( Account # XXXX ) through XX/XX/year>, as evidenced by the attached approval letter herein. However to date, my loan continues to reflect past due and promised call backs from Mohela senior management continue to go ignored. 

Mohela has regrettably been an ongoing debacle to deal with over the many years Ive held a loan with them and XXXX, and at this stage I must request the urgent and immediate honoring of the in-writing advised forbearance on my loan through XX/XX/year>. 

Kindly elevate this grievance immediately to ensure the placement of the Natural Disaster forbearance as advised to me both telephonically and in writing as evidenced herein. 

Thank you kindly in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Debt collection

My Lawyer Will File Federal Lawsuit, We Have Enough Telephone Calls.
Product: Checking or savings account

On XX/XX/2021 I deposited a {$1200.00} stimulus check into my business account as I don't qualify for a payroll protection loan. I'm the only person who works at my salon. On Sunday XXXXthe funds were taken out for some reason and no one at Bank of America can tell me why.
Product: Credit card

I've been paying Care Credit for almost XXXX years and one time every month. I've paid over XXXX in payments and the credit line was XXXX. Today I received an email stating my contract has changed to owing over XXXX and XXXX in interest. Where's all the money I paid them? This is some kind of fraudulent activity to consumers. I never received any letters stating they would hit me with XXXX in interest. This is undermining consumers and ripping off the public They didn't make aware of this at all. So, my XXXX is in their pockets like I didn't pay anyting.
Product: Money transfer, virtual currency, or money service

I had intended to purchase furniture from XXXX XXXX XXXX ( XXXX ) XXXX. XXXX. XXXX with XXXX Invoice No. XXXX XXXX for USD XXXX. Of which, I had remitted 30 % Advance of USD XXXX to XXXX XXXX XXXX XXXX ( Account No - XXXX Swift Code -  XXXX ) with Balance amount of USD XXXX. And, the Material was shipped with Invoice No XXXX Dt XX/XX/XXXX. 

As a regular process, I verified the soft copies on Original Documents & was about to transfer the balance amount. By then, I received a mail from the supplier to make the Balance Amount to another Bank account. 

I made the Balance Transfer of USD XXXX to Suntrust Bank with Account No.XXXX & Swift Code XXXX ( Transaction reference no. XXXX Value Dated XX/XX/XXXX - related reference XXXX ) While confirming the receipt of balance amount, the supplier have informed us that the account on which we have transferred the amount does n't pertain to them. 

Having doubted, I personally visited the supplier in XXXX. And the supplier had confirmed that they have only one bank account ( to which I had made the Advance Payment and they do n't have any account in US ). Also they have confirmed that the new intercepted mail ID does not belong to them.

Then we found the mail we received with the bank details to transfer the balance amount was from some fraudster, This mail ID looks very much similar to my supplier mail ID. So it is now clear, that the New Mail ID & New Bank account is a fraudulent one & it is in no way belong to my actual supplier.

Then we have initiated to recall the wire transfer through our remittance bank. But the Receiving bank have confirmed through swift message " Funds are not available for RTN We close our files '' With all the above details, we have mailed SunTrust Bank Fraud Dept. For which we have n't received any communication till now
Product: Mortgage

Company does not communicate, we didn't receive the amount requested. Debt was not paid as stated. They altered the agreement without consulting us and kept us waiting until XXXX with notary from settlement agency and we were to close at XXXX am. 
Amounts and debts paid were wrong, they stalled so we went passed time to rescind. The list goes on..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I settled this debt on XX/XX/XXXX. Requested a lean release to be removed on my property. They have not completed the lean release so I can not refinance my house. I now have to pay for a second appraisal since the first one expired. They will not commit to remove the lean or give me any other information. 
Company : XXXX XXXX XXXX, XXXX XXXX my Account # XXXX