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

Upon checking all three of my credit reports I noticed a few accounts XXXX XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX  XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX that are fraudulent that i never gave permission to run my credit. As well as inquiries from XXXX, XXXX XXXX, and XXXX XXXX XXXX. These things are unfair and voilating my credit laws according to the FCRA. I demand these items to be removed and deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still waiting on XXXX  to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!
Product: Mortgage

Truist Bank received XXXX payments for my Fixed Rate option as part of my Home Equity Line of Credit and misapplied my XXXX and XXXX payments causing my Credit Line to be revoked, negative reporting to my credit bureau, and late fees attached. I spoke with Truist on XX/XX/XXXX who corrected the payments ( reflected after processing on XX/XX/XXXX ). However, they have not yet reinstated my credit line, removed the negative reporting on my bureau or responded to inquiries to their XXXX escalation line made by phone and email. With hold times more than XXXX minutes, it is not acceptable to not respond to inquiries made via electronic communications including their website, XXXX and email. I need this to be resolved as soon as possible as they are restricting my ability to borrow which if not resolved, may impact my ability to borrow on other credit products. There has been no response from Truist at any level.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX Account XXXX " Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXXXXXX XXXX XXXX Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed ( paid off ) a vehicle loan with Honda financial services in XXXX of XXXX. As of XXXX of XXXX  until current the loan or vehicle or payment history has not been reported to my credit. The company admitted on a recorded line and via email communication that the vehicle/loan was removed due to covid relief without my knowledge or permission. I did inquire, ask or request for these actions to be taken. As a result the item was never reinstated on my credit. Ive been following up with the company since XX/XX/2022 yet this situation has still not been rectified.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I ordered a credit report from Experian and found a fraudulent loan in my name from the Department of Education for a total of {$5200.00}. I am not a college student, have not attended school in XXXX XXXX and was legally XXXX and seriously ill the year the loan was taken out. I have signed no loan paperwork, received no emails about the loan, and have never received a statement from the Department of Education. I spoke with Experian and alerted them to dispute the loan and request its removal from my credit report. This dispute was rejected and they refused to remove the fraudulent loan from my account. I spoke with Experian again, and then again followed their instructions for getting the loan removed to the letter : I filed a formal complaint with the FTC, filed a police report, alerted the Department of Education, and sent a letter of dispute to the Department of Education, then uploaded XXXX evidence of all of this to Experian. Three days later they sent me another rejection and refusal to remove the fraudulent loan from my account. I am, again, not a student, have not been for XXXX XXXX, was legally XXXX collecting XXXX at the time the loan was taken out, and unable to fill out loan paperwork or attend school at the time the loan was granted. This fraudulent loan is ruining my credit score and financial security, and should have been removed as soon as I provided the requested police report and FTC complaint letter. Experian is complicit in fraud and in the financial impacts on XXXX victims.
Product: Debt collection

In 2024 I properly moved out of the apartment that I rented at XXXX XXXX XXXX XXXX XXXX 

A few months after to my surprise, I got a bill from a collection agency National Credit System for {$3700.00}. 

This collection got placed on my credit report and dropped my score. I filed a dispute with all three credit reporting agencies, and it is still on my report. 

I do not owe this debt, I satisfied my rental obligation and they was upset that I moved into my own home that I own. 

I would like the collections agency to remove this as well as all three credit reporting agencies.
Product: Credit card or prepaid card

In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not.
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I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator.
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On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs.
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As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter.
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Respectfully, XXXX XXXX
Product: Checking or savings account

I reported fraudulent charges on my BofA account ( {$8700.00}, approx ) was stolen. The Claim # XXXX. 
The bank sends me a new card, but it doesnt work. So I call BofA, and they say my account is suspended and I can not even access the money that was not stolen ( {$7800.00} )!!! They wont tell me how long. And tell me to call a number that no one answers to help. Ive waited. I am on XXXX and in XXXX XXXX. If they dont release my money that wasnt stolen, I can not pay insurance, rent or get my medicine. I have NO MONEY! Please help! I dont know where to go. 
Sincerest regards, XXXX
Product: Mortgage

URGENT!! - In XXXX, XXXX, the CEO of XXXX XXXX, XXXX XXXX stated ( article attached ) : For the loans that we own, we have extended our moratoriums for foreclosures and evictions until the end of the year. 

My family and I have been scheduled to be evicted from our family home on XX/XX/XXXX by XXXX XXXX ( XXXX ( Eviction attached ). Despite me furnishing the article to the Court and XXXX representative, Attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed that the CEOs words will not be honored ( emails attached ). I was not given any explanation as to why this XXXX moratorium can not be extended to me. XXXX claims to own my mortgage and I have proof to the contrary. XXXX illegally foreclosed on my home on XX/XX/XXXX. Among other issues, XXXX used a blank, fabricated and fraudulent Assignment of Mortgage that was backdated 7 years ( dated XXXX ; filed XXXX ) and other fabricated documents and never presented the original note to my property. Fabricated documents can not transfer property. Prior to them showing up to auction my home, I had never had any dealings with XXXX. 

I have been XXXX since XX/XX/XXXX when I had a roll over crash on XXXX. XXXX. I was denied forbearance or modification to help me during my recuperation which resulted in this foreclosure case. Prior to having many injuries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX after the accident, I have been a homeowner in XXXX since XXXX and had never missed a mortgage payment. 

ADDITIONAL INFORMATION Specialized Loan Servicing was ( my Servicer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair XXXX act XXXX Account # XXXX, has violated my rights. 

15 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 a account with 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 reporting, credit repair services, or other personal consumer reports

I printed my Equifax report and noticed unauthorized/fraudulent inquiries on my credit report without my knowledge and written consent. I called Equifax to report this fraudulent activity and even sent a certified letter with a copy of my ID, social security card and utility bill through XXXX with the FTC report and Identity theft report requesting these inquiries to be removed from my credit report. this violates my rights to privacy under FCRA. 

Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. 

( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 

( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Equifax failed to remove this fraudulent activity and say the information came back verified after being properly investigation. As California resident and according to the FCRA Act, I'm requesting a description of the reinvestigation procedures. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

Contacted my work asking for me by name and identified himself as a dept collector from XXXX XXXX XXXX XXXX in Collections to my fellow workers. His name is XXXX XXXX at XXXX This is a violation of the law. The call was made on XX/XX/2019
Product: Debt collection

Solomon & Solomon PC stated in their response to a complaint that I submitted in XXXX 2017 that they were coding my complaint for a delete with the credit bureau 's. This account is still present as paid on my credit reports but as Solomon & Solomon PC stated I want the account deleted and I would like Solomon & Solomon to contact all 3 credit bureau 's to have account deleted. Below is Solomon & Solomon 's response from XXXX/2017. Company responded Status Company responded Closed with non-monetary relief on 2017XXXXXXResponse TypeClosed with non-monetary relief Company 's  response The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX we have coded a delete. The firm shows the account under XXXX XXXX at a XXXX address with a matching number. The utility account is paid. Due to the change of address to XXXX  we have coded a delete.
Product: Student loan

I received notification from the IRS on XX/XX/XXXX regarding tax year XXXX stating Citibank reported a cancellation of debt ( Form 1099-C ) on XX/XX/XXXX in the amount of {$4800.00}. 

I did not receive a Form 1099-C from Citibank notifying of debt cancellation. 

I contacted Citibank regarding this debt and was informed the debt was sold to XXXX XXXX. 

I contacted XXXX XXXX  and according to XXXX XXXX  and documentation received, this loan was paid in full, not cancelled as reported by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had not been receiving a bill due to an address change and was not made aware of it until months later so that the debt collector could rack up unfair interest charges. The debt collector had made no attempts to contact me prior to reporting the outstanding debt to Experian yet I was not given the opportunity to correct the situation when I reached out to Experian. 

I regularly make payments far greater than the amount in question and have never missed a payment ; this interest extortion is clearly is not reflective of my credit score and Experian is wrong to be misrepresenting my creditworthiness. I don't have this issue with any of the other credit agencies. 

I have been unable to reach Experian subsequent to my initial dispute filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused me.
Product: Student loan

XXXX  This is the complaint number at the CFPB. That I filed XX/XX/year>. You never got back to me and the Department of education with reference to a recount on my loan never got back to me. Please review my complaint with that number above and tell me what youre gon na do about this. I have asked at least six times over the last two years for someone to recount my loans as promised. Your office nor the department of education has gotten back to me please what is going on?
Product: Credit card

I called in on XX/XX/XXXX to reopen case XXXX as it was not resolved. The new case was opened under XXXX. However, the Executive Team member, XXXX, who took this information did not seem to know how to reopen the case at first or the fact that the primary card member does not need to be on the line ( I'm the authorized user ) but, the reason for this complaint is that he refused to give me the first name of the agent working on my case and her extension. This is basic information that has been given to me before, I simply didn't note her name or her extension and know she was a female. It seems like there is a huge discrepancy between the quality of onshore and offshore agents handling the Executive Office at Wells Fargo.
Product: Mortgage

I closed on a refinancing loan with XXXX XXXX XXXX/BSI Financial Services on XXXXOn that date, {$1300.00} was held in escrow for XXXX XXXX XXXX taxes due XX/XX/XXXX XXXX The amount owed was {$1000.00} by XXXX have a copy of the tax bill. 
In XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX XXXX XXXX informing me that I owed {$1200.00} for XXXX taxes ( plus late fees ). I immediately contacted BSI as well as sending them a copy of the certified letter. In XXXX, I called BSI and the Tax Claims office almost daily to see if the issue was corrected. Each time I talked to a BSI customer rep., I was assured that it was being taken care of. It wasn't! I asked to speak with someone in finance... I was denied! 
In XXXX, I received a check for escrow overpayment of {$1100.00} which was caused by the failure to pay XXXX XXXX property taxes on my home as well as my land. I had personally paid approximately {$300.00} for my land taxes in XXXX assuming there would be confusion paying the land taxes too. 
My complaint is that I am owed the difference of {$1000.00} and {$1200.00} or {$180.00} for late fees accrued for BSI not paying the owed County property taxes. By law, they are responsible for any late fees and it is not right that they will not meet their obligation!
Product: Credit card

Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Bank of America. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Bank of America charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Bank of America is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you.
Product: Credit reporting or other personal consumer reports

CFPB I need your help. Experian XXXX and XXXX XXXX is now sending me notification asking me to send in my license to identify myself. Why because Ive sent multiple complaints and they failed to respond according to the law so now they want me to verify who I am I am who I am and Im not no fakeThis makes no sense. I will provide a copy of my license attached to this complaint. This company is nothing but a monopoly and a corruption towards US American citizens and needs to be put in place. They need to respond to my complaints as noted per the CFPB.
Product: Credit reporting or other personal consumer reports

I do not have a child support case. REmove it from your files IMMEDIATELY. Ive attched docuemtnation CHILDSUPPORT Account : XXXX un-authorized Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024