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

I tried to temporarily unfreeze my account with Equifax. I had no problem with XXXX  or XXXX, but this is the second time Equifax has given me trouble. I answered all of the questions that I was asked on the automated phone system perfectly. I track all of the data on XXXX to the penny, so I have have the information at my fingertips. I know the answers to everything but they are stating that I didn't answer the questions properly and will not unfreeze my account. I was hoping to re-finanace but have opted against it because Equifax is just too difficult to deal with. 

Prior to speaking with the representative, I went on-line to unfreeze my account but Equifax unfreezing screen states they are down for maintenance. After speaker with rep. she stated that it's not down I must be having technical difficulties. I was not having any difficulties. 

The only option they gave me was to mail in identifying information. They stated it could take 5 - 8 business days before they process the request plus mailing time. 

It shouldn't be this hard. XXXX  and XXXX  were much easier. It's simply not fair and I would love to see Equifax held accountable for their poor relations, lack of understanding and their technical problems that they are blaming on others.
Product: Vehicle loan or lease

My insurance lapsed, and while I had updated my address with the bank, they failed to update their loan department. As a result, I never received any notice that they planned to purchase a {$5000.00} insurance policy on my behalf. Despite regularly receiving mail from the bank, they allegedly sent this notice to my old address. 

Nowhere in my contract does it state that : I am required to maintain insurance. 
The bank has the right to purchase insurance on my behalf. 
They can redirect my loan payments toward an insurance charge instead of my loan balance. 
I did not learn my car was in repossession until over a month later when I attempted to make a {$1800.00} payment and was told to contact collections. Additionally, the bank improperly added my two lines of credit to the collection amount required to reinstate my loansomething that is also not in my contract.

I have repeatedly requested formal documentation showing how my balance was calculated, including an itemized breakdown of how my payments were applied, the unauthorized insurance charge, and the inclusion of my lines of credit. Each time, they have refused, stating no such documentation exists. This is because they know what they are doing is illegal and wont put it in writing. 

I have been dealing with this for months, and even my lawyer has been unable to get a direct point of contact at the bank to address this. This has been ongoing since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 {$310.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires that just hit my credit file and I did not apply for any of these XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
Product: Bank account or service

Chase Bank, where I have a personal and a business checking account, had a system outage around XXXX EST on XX/XX/XXXX, and I was unable to access the website. I needed to do a transfer to avoid an overdraft, so I called in. After being on hold for quite some time ( I 'm assuming due to the outage ), I was told I should call back in the morning, and they would know the system had been down. Around XXXX, I was able to access to website and I put the transfer ( {$80.00} from business to personal checking ) through. 

Sure enough, I woke up to several overdraft fees, as the transfer had n't posted. I called Chase bank, only to be told by every person I talked to that " there was no outage '' and " the system has been up and running perfectly. '' It was like the XXXX XXXX. If my wife had n't been sitting there listening the whole time both last night and this morning, I would have thought I was going crazy. 

Until I checked the websites that keep track of website outages, and sure enough, Chase Bank had massive spikes in outage reports around XXXX EST. I ca n't explain why they would deny that there was a system outage when it 's clearly documented that there was. Either way, it 's led to them collecting overdraft fees that exceed the amount of the initial deficit. I 'm guessing I 'm not the only XXXX. 

Banks should n't just be able to blatantly lie to their account holders without legal repercussions.
Product: Vehicle loan or lease

i have XXXX that i dont know about ever XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX please have them to take off theses charges on my credit i dont know about .i should have nothing on hard inquries
Product: Credit reporting, credit repair services, 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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX  XXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. XXXX XXXX- Account Number : XXXX, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been trying to dispute fraudulent use of a American Express that I owed. I made all efforts with the company to dispute the charges, Tried to dispute by using XXXX XXXX all that I got from them was previous statements, not the proof of purchase I requested. I got tired of disputing the charges and stopped payments to this account. Them they sold the balance for collection agencies without giving me the chance to dispute the charges and are now tried to collect a balance that I don't owe! It is frustrating and unfair how those companies make huge profit from charges they know people don't owe. They prejudice the lives of people without fear of being bothered. I am fighting for justice. They must stop this!
Product: Bank account or service

I had a dispute with bank of america in 2012 for charges that were not valid. i later closed the account. when i checked with XXXX XXXX ( TRYING TO OPEN A CREDIT UNION ACCOUNT ) i was told that i owe XXXX to bank of america. i called and spoke with their recovery department to resolve the balance. i was told that XXXX of the XXXX is a result of over draft fees and only XXXX is the true owed balance. This was the disputed charges from 2012. i have moved and i have not received anything from bank of america for these charges. i will pay what i owe but i was unemployed for an extended time i cant pay XXXX in fees that should not have been added in the first place
Product: Debt collection

Noticed a negative item on our credit report from Money Recovery Nationwide. Sent a dispute letter on XX/XX/2015 and did not hear back from them until XX/XX/2015 regarding the alleged debt, with their own statement and none of the required pertinent information I requested. Spoke to them stating that this debt is not ours and asked them to remove it from our credit report and they unprofessionally declined. I begged and pleaded with them and got nowhere. I asked to get transferred to a supervisor who could assist me and was disconnected. 

We have never received services from the creditor that Money Recovery Nationwide is alleging we received. The small amount of the alleged debt itself is evident enough that this is not our debt. Had this alleged debt been validated, has requested, we would have had no problem paying this diminutive amount. The fact that Money Recovery Nationwide reported negative information to the credit reporting agencies, without XXXX confirming, verifying & making absolute certain the alleged debt indeed belongs to the parties listed, is a violation of the fair credit reporting act. 

We just want this inaccurate information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
Product: Credit card or prepaid card

I have had an income protection plan in place for the last 6 plus years that is supposed to guard against loss of employment - no fault - or XXXX. I meet both of these sets of criteria as of XX/XX/XXXX. I was medically separated, involuntarily removed from my position in XX/XX/XXXX. Since then, XXXX has found me XXXX with an onset date of XX/XX/XXXX as well. Unfortunately, I was unaware that I had signed up for this protection but after looking over a recent statement found out it we were paying for it. After looking at our past statements, the protection has been in place for over 6 years. On XX/XX/XXXX, I went to file a claim now knowing I have this benefit. I was told I don't qualify because I didn't file within one year of being medically separated, or within 1 year of being XXXX. My situation has not changed. I am still XXXX, I am still separated from my position. I have paid over {$2800.00} for this benefit only to be told there's nothing that can be done. They will not backdate a year from the present day, they will not take my current situation into account. I have paid for this benefit. I am hoping that more government oversight or regulation will keep companies like XXXX and their Synchrony bank card from taking advantage of customers. This is not an ethical practice in any sense, it's simply a money making scheme at the expense of the consumer pure and simple.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I previously disputed this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me. 

I submitted a complaint to the CFPB : Please refer to CFpb complaint number- XXXX
Product: Mortgage

On approximately XXXX XXXX, 2016 I contacted Ditech Financial, the holder of the mortgage on my home, with a question regarding the process for making a large payment against the remaining principle and also asking if I qualified for a " recast '' of the loan. I have received two letters from Ditech Financial both telling me that they are investigating my question. THIS IS A SIMPLE QUESTION! They are dragging their feet because they make over $ XXXX/day in interest on my loan. Every day they delay, more money goes in their pocket.
Product: Student loan

I have called to bring my account current and lower my monthly payment to something I can afford and spend an hour for them to tell me that they ca n't qualify me for a program because my dept to ratio income.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau : Complain I would like to complain about my international wire transfer at TD bank branch located at XXXX, CT. I went to the bank on Saturday XX/XX/2019. I wanted to sent XXXX XXXX USD to my mother in XXXX. While at the bank I pointed out clearly that I wanted my mother to receive US dollar the same currency that I was sending. The bank employees confirmed that yes the money will be received as US dollars in a foreign account. I even double checked it with the XXXX CT branch manager XXXX. 

On Tuesday XX/XX/2019 I was informed that the money was received in my mothers account in the bank in XXXX. But unfortunately the money that was received was not in US dollars but instead in Polish zloty ( PLN  ) currency not as agreed. Because of this the money form the wire transfer was converted in banks exchange rate which was lower that the common exchange rate that I could get outside the bank, because of this conversion a great deal of money was lost. I believe that it happened because of some mistake that happened when the money was wired out of the TD bank. On Thursday XX/XX/2019 I talked with XXXX XXXX and XXXX XXXX the employees of the TD Bank in XXXX about this wire transfer. They said that they set up the transfer correctly so that my mother would receive US dollars. They could not explain why it happened they suggested that the recipients bank account bank account was not a US dollar currency account. This is not true the recipients bank account is a US dollar currency we transferred USD money successfully in the past from a different bank account and we never experienced problems like this in the past. 

Well, the main point is I not happy with the service that I received at TD Bank branch in XXXX CT. The people lacked the professionalism and courtesy that I expected form banking professionals. I feel I was misguided. Please tell me what can be done to resolve this matter and solve this problem. I willing to answer any questions you may have. 

I am looking forward to your reply. 

Sincerelly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian continue to report an alleged debt that is inaccurate. 

Medical debt that does not exceed {$1000.00} can not be reported. 

The reporting agencies must maintain 100 % accuracy and this account does not meet those standards. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account # : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX  monthly minimum interest fee times 5!
Product: Debt collection

Midland Credit Management Inc willfully violated my rights under the FDCPA and Im taking action
Product: Credit reporting or other personal consumer reports

I obtained a copy of my Experian Credit Report after my XXXX  XXXX was XXXX in XXXX XXXX XXXX. I noticed that they were showing XXXX accounts payments late more than 30 day and more than 60 days late. When I called to talk to them and asked which accounts were late they said none of them were late. They said that the system triggers the account as negative late payments due to the XXXX  XXXX discharge. 

If the payments are showing never late then they should remove the negative rating on all XXXX accounts. They said that is the way their system is set up. I refuse to believe that. 
He said he agreed that the verbiage is wrong but he could not do anything about it and told me to contact the CFPB and the FCRA. 

My XXXX accounts were on time payments up until I filed for the XXXX. I feel if they should not penalize my credit bureau account and reduce my fico score because of it. 

It is bad enough already that I have a XXXX reporting on the bureau but to additionally post XXXX accounts is not correct. It is fraud.
Product: Debt collection

I filed a complaint against AARGON agency previously, the complaint number is XXXX. They responded to the complaint and mentioned the following : ( Our office sent the verification letter and itemized statement to the consumer on XX/XX/2021, in response to the direct dispute letter the consumer sent to our office. ( The mail was post-marked XX/XX/2021 and we received and processed on XX/XX/2021. ) Our client is not showing insurance information was provided at the time of service. Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations. ) Aargon sent a statement that shows a balance, the statement does not show the medical provider, their address or my address, just a few sheets of paper showing a balance. If their CLIENT has not shown my proof of insurance, then I need the medical provider information so I can go in person to their office and request copies of those medical records. I am entitled to copies of medical records and if this collection agency does not provide it, I have every right to go to the medical provider they are billing me for.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 
Account # XXXX
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Debt collection

I receive numerous calls for someone with a similar name. Today, I received 61 calls between XXXX XXXX XXXX. No voicemail was left
Product: Checking or savings account

On XX/XX/XXXX i submitted a claim for several upon several transactions that i had not authorized via XXXX XXXX, wells fargo completed an investigation with claim number XXXX, and determined that for the claim that was {$3200.00} i was in fact right and errors did occur, they gave me a final credit on XX/XX/XXXX for the amount of {$2300.00} - clearly missing money in this {$830.00} to be exact, then i find out ON TOP, THEY missed SEVERAL OTHER TRANSACTIONS I HAD SPECIFICALLY ASKED THEM TO ADD to the claim. 
so now they opened a new claim, yet again claim number XXXX for 44 other XXXX  transactions, i since then got a new debit card and had this investigated. so im asking if someone can expedite my funds coming back to me, because your " bank '' is supposed to protect you, no instead i get a notice saying that they are ending their relationship with me, of course the day i file the claim THEY SCREWED up on. im going to be talking to a lawyer and filing a class action lawsuit against wells fargo, for misleading practice, and false promises and deception. i want my money back, from the first one the correct amount and i want the new one to be credited to being this was supposed to have taken place WEEKS ago, now they want to close my account with 0 reasons given, go figure typical wells fargo. good thing the local and national news will be seeing and hearing about this this week! 
i want am email explaining to me where my funds are and when i'll be receiving them so i can move them to a new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Credco several times about an unauthorized inquiry that they reported on XXXX XXXX 2015 that i have no knowledge of. I have never had a contract thru thus company. They are reporting an inaccurate inquiry on my credit report. I have been told sevetal times by representatives im not in their system but yet they continue to leave this inquiry on my report.
Product: Credit card or prepaid card

Several months ago I applied for a city bank/XXXX  card and was approved. 
I made several purchases no problem, however when XXXX did a direct payment to them, it did not go through. I made a second payment to them but the hold checks for up to Therty days, making me overdue. That is what I was told over the phone by two different people.

I have made several purchas since and attempted to pay the bills. Since I have made several duplicat payments my XXXX bill came back with {$860.00} credit.I called and demanded a refund check, of witch they agreed to.

How is holding payments make any sense? 
Payments should be amediatly credited to ones account. Especially if it is a defect deposit from the bank. Please look into this nonsensical practice. When people are having trouble paying there bills, co should not make it more difficult in paying there bills. 
With all due respect, I know this is trivial, but I dont need more problems especially wen I pay all my bills regularly.