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

I XXXX XXXX XXXX, suffered identity theft with my credit. My credit has suffered tampered inquiries that I did not do. I contacted all 3 credit bureaus, XXXX and XXXX have complied. Equifax did not want to help me. I contacted local law enforcement, I received a police report. I received as well an affidavit of my declaration which was notarized by the state of Florida by a police official as well. I have submitted all my supporting documents to this credit bureau and they are yet to comply. I spoke with Rife, employee ID # XXXX on XX/XX/XXXX at XXXXXXXX XXXX. This supervisor did not want to assist me neither, according to my rights they should be able to submit a dispute to have that removed, and they will not assist. I need my inquiries removed from my account. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX best used Inquiry date : XX/XX/XXXX These are the inquiries I need deleted immediately that are Fraudulent.
Product: Credit card or prepaid card

I filed a dispute with Bank of America for a charge made to a contractor who did not do the job well. The plumber came to fix the toilet and the same component broke after a few days. We tried contacting the plumber but he never showed up. So, I disputed the charge with BofA. The plumber responds to BofA that he was willing to come and repair the toilet. So, we got in touch with him again. He refused to show up and said that I had already received my money back. Not sure what he meant by that, but probably thinking that BofA had credited the funds, which they hadn't. I sent the text exchange with the plumber as evidence to BofA that he did not do the job right the first time and failed to come and fix it. 

However, BofA closed the dispute case without resolving it. I called BofA and asked them to re-open. They said that they would not. I had to provide a 2nd opinion letter and I had to either fax it or go to a local branch to send it. So, a national bank like BofA provides no messaging capability for customers to connect or upload electronic documents. Very convenient. They do not bother researching dispute cases and even after providing clear evidence they did not bother doing anything about it.
Product: Debt collection

Company called TSI keeps calling my place of employment. They ask to speak to me and tell my employer/coworkers who they are with and on a recorded line. They have also contacted my ex wife and claimed that they can not get ahold of me. They explained to her information about my personal finances. When googling this number, ( XXXX ) XXXX, it comes up as a scam risk. They state that I owe money to a state I no longer live in. They also claim that this is dealing with my taxes from XXXX. Its almost XXXX tax season! No communication has come from this state prior to this. The individual calls my ( one phone line ) place of employment daily. This is an absolute harassment towards my employer and directly takes a strain on my employment. If a debt is due to a certain state/entity, it would be sent via the U.S. Postal Service. When telling the individual that it is beyond unethical to contact my place of employment and former partner, they stated that they have tried to contact my cell phone but it goes to voicemail. I asked that they leave a voicemail or send a letter. It was explained to me that they have tried contact me but that my phone must not be working and they are not allowed to leave a voicemail. They have also stated to my ex partner that they can not send mail over state lines ( WI/IL ). I make and take numerous calls on this phone daily. This is pure harassment techniques that are beyond the point of a code of ethics and should not be taken lightly.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XX/XX/XXXX XXXX - XX/XX/XXXX - Equifax XXXX  XXXX - XX/XX/XXXX - Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I believe these inquiries were made without my permission or are inaccurate. I have not applied for credit with these institutions or authorized anyone to do so on my behalf during the mentioned dates. As a result, I kindly request that these inquiries be investigated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is refusing to remove fraudulent information From my consumer report. I have requested matter several times with Experian XXXX and XXXX XXXX
Product: Mortgage

In regards to our loan with Ally Bank and serviced by XXXX XXXX, we were approved for a short sale in XX/XX/XXXX. This was after one year of multiple submissions of paperwork and then the need to escalate to the President 's Office at XXXX XXXX to gain final approval. 

For the record, on multiple occasions and even after escalation, the Real Estate Agent representing the property struggled with XXXX XXXX to provide up to date and accurate information. Specifically, and on more than one occasion, the Real Estate Agent was denied access to the loan information even though approval had been provided formally by the property owners with the submission of necessary paperwork to allow access. And, while the President 's office was responsive to our needs the " left hand did not know what the right hand was doing '' and the communication was lacking and in some cases contradictory, i.e., the information provided by the Customer Service Department and the President 's Office was not the same. 

Specifically, as an example of the lack of accurate and necessary communication, on XX/XX/XXXX and XX/XX/XXXX, the representing Real Estate Agent spoke with both the Customer Service Department and the President 's Office at XXXX XXXX and was not informed that the approval for short sale had expired on XX/XX/XXXX. 

In regards to this, the policy automatically becomes foreclosure 14 days from the expiration of the short sale approval. While the representing Real state Agent was able to garner a 1 week extension they were still not informed, in any conversations on XX/XX/XXXX or XX/XX/XXXX, the short sale approval had expired. Their was no specific reason provided as to the reason the property was going into foreclosure. 

To summarize our position, if XXXX XXXX had informed the Real Estate Agent that the short sale had expired, the necessary paperwork for resumption of the short sale could have been provided and the automatic 14 day foreclosure policy would not have come into play. 

Finally, we have provided to Ally Bank through XXXX XXXX a legitimate sale offer but Ally Bank not understanding the issues with XXXX XXXX has refused to rescind the date of auction. 

In the end, we are asking Ally Bank to rescind the foreclosure and to remove the property from auction on XX/XX/XXXX and to consider the sale offer. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( Experian, XXXX and XXXX XXXX about XXXX XXXX XXXX ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX on XX/XX/2019 was not able to verify and remove the account from my report but experian and XXXX claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!
Product: Credit reporting or other personal consumer reports

I have requested Experian to delete the address XXXX XXXX XXXX, XXXX, TX XXXX from my credit file and they refused too. They are telling me the address is connected to XXXX which is my student loans and it is not. I have attached a copy of what address is listed under my account from the website when I logged into my account. They also telling me that XXXX has not sent an update to them for over a year. How can Experian tell me what address is connected to my account when its my account and not theirs? Again I have attached proof and I want that address removed immediately for fear of identity theft. The Fair Credit Reporting Act ( FCRA ) is to protect consumers from inaccurate credit reporting. The FCRA requires credit reporting agencies ( CRAs ) to use reasonable procedures to ensure the accuracy of consumer reports and Experian is not. Please remove that address from my file immediately. I have attached proof that address is not connected to my XXXX XXXX loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Military Star Account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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: Credit card or prepaid card

Refer to Case number XXXX and the {$1000.00} charge from XXXX XXXX on my Bank of America account number ending in XXXX. On XX/XX/2022 Bank of America informed me that they reversed previously issued credit for this charge. The explanation they are stating is that " we're unable to dispute merchandise that was signed for or picked up in person. '' Furthermore, they state " without a credit slip, we're unable to assist you further. '' There are no contact details provided to contact Bank of America in writing to respond. In case CFPB is able to bring this message to someone at Bank of America who can assist, the supporting attachment your team provided has someone's signature that can not be recognized, " signed for by '' name that does not seem to match my name or the signature on the slip provided, and finally alleged delivery address to me and my home address. I have not received any goods from this merchant. I have not signed for any goods from this merchant. I have been unable to reach anyone at this merchant. I do not have any credit slips from this merchant. Regardless I am being charged for something I have not received. Please issue a credit of {$1000.00} to my account and finish this chargeback. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been arguing with Honda Financial Services over disputed late payments for 34 months. They claim they have no record of our conversations and wo n't remove the lates from my credit report. Since our last conversation, they have made changes to previous leases reported to XXXX in an attempt to further ruin my reputation. They are targeting me because I reported them. They are now claiming that a lease I had in XXXX ( acct # XXXX ) was included in a Bankruptcy Chapter XXXX and became delinquent in XXXX XXXX  None is this is true. There was never a delinquency, and there was never a Chapter XXXX B/K. I do n't appreciate Honda Financial bullying me by trying to claim that a lease that ended without incident almost 7 years ago was delinquent or subject to a phony bankruptcy.
Product: Student loan

Beginning in XXXX of last year, 2018, one of my loans with Discover Student Loans began being undercharged. I had set up the account in question to make automatic payments, and hadn't thought much about it since, seeing as the point of automatic payments it to be mostly hands off with the account. Each month, the account was paying slightly less than what was owed, creating a blemish on my credit. I did not become aware of the problem until XX/XX/XXXX, when Discover had begun calling my cosigner, my grandmother. I screen calls from scammers, and no message was ever left to my device before they began calling my grandmother. At this time, they were calling my grandmother about an amount equal to approximately {$5.00}. I was in the midst of losing my job at the time, and did not contact them until XX/XX/XXXX, when the account was squared and I complained of the improper charges. I declined setting up my other account for automatic pay, both because I was hoping to get my loans refinanced as well as because they had shown me little reason to put faith in their system. 

I called a second time on XX/XX/XXXX when I realized the same exact thing was still happening. This person finally took the time to inform me that when I had requested being set up for automatic payments, someone had instead set me up for ongoing payments of set increments. They said they had fixed the problem this time. As I had contacted several refinancing places since my last call and found that my credit had been slowly sinking due to Discovers incompetent negligence, I placed my other loan on automatic pay to hopefully help me keep my payments regular and try to repair my credit. 

I called a third time on XX/XX/XXXX when I realized that I had been charged a sum double what I owed on my account newly converted to auto pay, overdrawing my bank account. I had ample money if the appropriate amount had been drawn. They said they would disperse a refund for the difference, stating it would take as many as XXXX business days. It took a full week. 

I am writing my complaint now because three days ago, XX/XX/XXXX, I received a statement via mail that showed my account with {$5.00} overdue. This was the new account, my secondary, larger sum that had only been put on auto-pay on my XX/XX/XXXX call. 

Discover 's incompetence has now been inflicting damage on my credit for 9 straight months, with three attempts to rectify by contacting them, and three complete displays of ineptitude. I have not been able to secure payable rates through any refinancing company in that time, nor have I been able to receive affordable car insurance despite a perfectly clean driving record in the past 4 years thanks to my decaying credit score. The damage Discover has done has cost me exponentially more than the $ XXXX per month and an overdraft from my bank
Product: Mortgage

I purchased my home XX/XX/XXXX, within the first year, I received a check from my mortgage for an overpayment from my escrow account. Every after I am sent a coupon advising me of an escrow shortage, I am given the option to either pay the full amount by a certain date, or have the amount disbursed into 12 month increments, increasing the amount of my monthly payments. Since XX/XX/XXXX or XX/XX/XXXX, I have paid the full amount to avoid the increase, but have noticed that my payments are increased anyway, coincidently, by the disbursement amount. Recently, I called an asked why my payments increased when I 've paid the full amount of the escrow shortage by coupon date, I was told that the increase to my payments is due to an increase in my insurance premium. I have XXXX, homeowners & flood ( which is an annual payment ), she could not say which premium, the amount of increase, nor the reason for the adjustment. This has been going on for several years. In XX/XX/XXXX, I was denied mortgage assistance for hardship, I did n't meet the requirements, during this time, I was still called for past due payments, the agent assisting me, was not attainable, the company does not offer loan modification services. I was very disappointed then, I love my home, but I really do n't see how I can make a lump sum payment for the escrow shortage, see the disbursed amount still included in my monthly payments, & a late fee (? ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reach out to XXXX and Experian Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and Experian and XXXX has not helped me and I am suffering through trauma due to my reputation.
Product: Credit card or prepaid card

I purchased a product from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$130.00}. The company offers an advertised money back guarantee within 60 days with No Hassles and No Questions. On XX/XX/2019, I contacted XXXX XXXX to request a full refund all I got was Hassled, Questioned, and Shamed for doing something wrong ; which I was not!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$580.00} I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately.
Product: Debt collection

I contacted this company in XXXX & XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX. The company agreed to remove the account only to find out it was sold to a collection agency XXXX XXXX XXXX. 
Fraud report was provided
Product: Student loan

I am currently paying mostly interest on an XXXX loan. I am being crushed. I am also told by Navient that I am not eligible for any kind of feasible repayment plan. I am unable to even make a dent with the affordable payment that I am currently enrolled for, as all I am paying is interest. No one on the phone seems to be able to help, or listen. They just keep repeating the same canned information and offering me a payment that is way too high for what I can afford. It also seems convenient that my largest loan amounts have the highest interest rate. 

Because of my husband 's income, I am not eligible for any forgiveness, but he spends his paycheck making up for the deficit that is caused by these enormous payments, that do n't make any difference, other than filling Navient 's pockets. And I work mainly in non-profit and XXXX in Michigan, where I struggle to find full-time work, as there are significant economic problems within the state itself, so most of my meager nonprofit or XXXX paycheck goes toward paying the interest on these loans. 

I was severely unemployed for several years, due to the country 's economic downturn, and relocation, and I am currently paying interest for the country 's mistakes. Meanwhile my debt goes nowhere. I am sure that pleases Navient, and understand that I am most likely wasting my time contacting them, or fighting this issue, but wanted to make an effort before moving beyond to either filing for bankruptcy, or other measures to resolve this issue. 

I understand that I took out these loans, and I understand that I need to pay them back, which is why I signed the agreement. I did not agree to be unemployed, and underemployed for several years. That was not my choice. And because I was not technically on unemployment, because I chose to not be a drain on the government resources, and work part-time, minimum wage jobs to survive, I am being punished. I could not have anything waived, because I was working part-time, but the interest kept accruing. I have been gainfully employed for a few years now, luckily, but I am being literally crushed by the interest on these loans. I lie awake at night worrying about this, forcing myself to resign to the fact that I will be paying Navient 's interest for the rest of my life ( and I am XXXX now ). I know many people that have already thrown up their hands and just stopped paying, but I choose to be responsible, and know that I signed on to borrow the money, which is why I am still paying.
Product: Student loan

For more than 20 years I have paid Navient for my student loans. After my husband left me with XXXX XXXXmall kids I went back to school and became a XXXX I have dedicated my life to helping people and paid and paid my loans for over 20 years, Every time I asked to have service forgiveness, or teacher forgiveness or lower payments they increased my loans, and added loans. I still owe XXXX and I will be retiring in 3 years. I am concerned. I wrote Navient many times, and called for help for 20 years, and they never helped. I even contacted 3 of the top executives. No help. In XXXX  I switched to XXXX and I hope Navient gave my current address so I can get reimbursed XXXX for overpayments they charged me. Please include me in the settlement checks from the lawsuit against Navient. Thank you! 
My address is on file with them. and now with XXXX. 
XXXX XXXX
Product: Mortgage

Bank of America is going to sell my home through a foreclosure sale after Bank of America informed me that I can avoid the foreclosure sale by selling my home by myself or with the assistance of a Realtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on XX/XX/XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims.

Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. 

Below are the fraudulent accounts that I need to be removed : 1. XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

56 Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Jefferson Capital Systems is reporting a debt I do not owe. I have tried to have this corrected by Jefferson Capital System, and XXXX, the original creditor. They changed the account status to closed on my credit report, then mysteriously listed it as open a few weeks later.