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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to  XXXX , Transunion, and  XXXX  regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well. I have not received anything, no results.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I placed an order with XXXX for a coffee table in the amount of {$1100.00}. At that time I received a message stating that there was a long delay due to covid related shipping delays. I then received emails from XXXX in XXXX and in XXXX of XXXX announcing further delays stating estimated delivery between XXXX. On XXXX XXXX, XXXX I emailed XXXX asking for an update. I received a message stating the item was backordered until XX/XX/XXXX. On XXXX XXXX, XXXX I requested that my order be cancelled and received an email stating that the email address I had written to was no longer being monitored and that the company had gone out of business. On XXXX XXXX XXXX I contacted Citibank to file a dispute on the basis of being charged for an item I did not receive. They stated that since the charge was so old I would have to mail in my dispute. That same day I mailed my dispute included 13 pages of evidence ( original invoice, email correspondence ). Citibank stated that because the charge was so old they couldn't do anything about it and said I should contact the merchant, but I have no way to contact the merchant. I was strung along with regular emails from the company stating that my merchandise was coming until they shuttered their doors. Purchase protection should cover this. This is a lot of money for me and I don't know what I am supposed to do to get my money back.
Product: Checking or savings account

To whom it may concern I XXXX XXXX XXXX was at a XXXX train station for public transportation heading to work as my coworker could not pick me up to go to work I had to take a public transportation so I bough a one time train/bus ticket for single day use. On XXXX XXXX.2020 I have used my card for amazon on XX/XX/2020 made a purchase on this day. This was the last time I had the card with me and last time i used this card for that purchase, I filed a police report and I told him I was not sure whether I drop my wallet on the walking ramp to go XXXX or if I dropp it inside the train I believe it was inside because I remember I took the one time ticket fair pass and used it to go in. It had to be inside the train. 
There was people near me following rules and keeping distance do to the Coronavirus situation there was like 6 of us sitting on one side of the train keeping distance I was running late I had my lunch bag and another bag with tools for work as I was arriving to my location I got up and walk it out. The wallet had to slide off my pockets and stood in the chair not sure what had happen. I called XXXX and they said that if they found anything they would contact me but that never happen I called back and they said nothing was return to them who would return a wallet if it was money! I had about XXXX cash and my chase card and a school ID that my student ID number which is XXXX my pin was XXXX some how they saw it and tried it first and used the card. 
I called the bank and gave them a police report and told them about the frauds and they help me out by disputing them all thru the phone.as it takes longer to speak to a banker from what is happening now due to the virus. 
The lady representative was very polite very nice and took take of me. I gave her as much information as possible and the police report number. 
Chase took care of me and Im very happy to know that they would protect my account as they did. 
My concern now is that I just received a letter as of XX/XX/2020 Telling me that as of their investigation they believe that no fraud was made or that I had authorized anyone to use my card. 
I didnt not allowed any one to have my information or debit card I lost it and it was stolen and used places and atms Im not responsible for this unauthorized transaction ive used most of the funds to pay a work labor At home. 

My funds and chase believe that no error was made. 
This is incorrect and I havent received any paper work from chase as the lady representative said she would mail me paper work if it was need it some one would contact me but they didnt and Im still waiting on any dispute documents I havent received any yet theres been a problem with the mail from the post office be sending my letter to different adress as my home adress is XXXX XXXX XXXX XXXX he gets confused and wants them to XXXX XXXX XXXX or XXXX XXXX XXXX. Same house number but different street it has happen many many times. 

I didn not authorized or made any of this transactions. 
My wallet was lost at the XXXX trains stop blue line XXXX and XXXX blue line train station.
Product: Checking or savings account

I was alerted by Wells Fargo bank that there had been a fraudulent charge to my debit card of {$10000.00} that I did not authorize. I quickly called Wells Fargo and agreed with them that it was unauthorized and told them it was fraudulent and disputed it using my Wells Fargo online account. They considered it fraudulent I know because they notified me that it was and advised me to destroy my debit card and request a new one immediately which I did. Wells Fargo advised me that it would take up to 10 days to complete the process of returning the funds to my account. Wells Fargo has not reversed the fraudulent transaction and restored my funds to my account. Wells Fargo also advised that they would mail a letter after they have resolved the issue and I have received no communication from Wells Fargo. I have called their customer service and requested to speak with upper level bankers in the fraud department about my case number XXXX and was told that I would receive a call back from the Wells Fargo agent that is assigned to my case with the above case number and that the Wells Fargo agent would call me back in 24 to 48 hours and they did not call me back. The supposed company that fraudulently removed the funds without my authorization is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TN XXXX and their phone number is XXXX. I have tried calling this phone number with no response by a person and the automated system leads to nothing useful. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.This occurred on XX/XX/year> and still has not been resolved by Wells Fargo Bank.
Product: Mortgage

i nor XXXX XXXX XXXX not nor ever gave consent to NewRez d/b/a Shellpoint mortgage servicing, llc nor XXXX  XXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX new jersey XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX nor XXXX XXXX yet all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473 PLEASE SEE ATTACHED AFFIDAVIT AND POLICE REPORT
Product: Debt collection

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2017 Account type Factoring Company Balance Loan Amount {$700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year>. The temporary freeze lift would not work after my login into to my account. 
The Experian website showed the temporary lift was in place but I was denied credit from XXXX because their attempts to Experian showed my file still frozen.
Product: Payday loan, title loan, or personal loan

I believe in XXXX I opened a loan with XXXX that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX XXXX transferred these loans to a provider called SST. SST never had information about the savings account as it still shows locked with XXXX. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today XXXX days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes XXXX days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.
Product: Mortgage

We own a house : XXXX XXXX XXXX, XXXX, CA XXXX. My wife has had difficulty keeping her job over the last few years and we have defaulted on mortgage payments. Our lender is Capital One. As a result we went through a loan modification in 2014. The modification was accepted and we made at least 12 payments and then she lost her job again and we defaulted. XX/XX/XXXX we asked to start a loan modification process again which the banjk agreed to. We were supposed to make 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which we did. However, the bank thought we were late on one of the payments and immediately put a foreclosure date on our property ( XXXX XXXX ). My wife argued with the bank that the payments were not late and they accepted that they had made a mistake. However, the foreclosure date has not been cancelled. We are moving ahead with the modification and are just waiting on the appraiser to contact us to inspect the property. We do not understand why the foreclosure date ( the date our property will be put up for auction ) has not been stopped. We keep contacting the bank and they are not going to stop the auction until the modification process is complete. What is meant by " complete '' I have not idea. We can not get a straight answer. They keep telling us not to worry and that we will be fine but meanwhile the clock keeps ticking. I think they may have not intention of giving us this modification and fully intend to sell the property. 
We have also found that what they are doing is called dual tracking and is illegal. I confronted them about this and they denied it was dual tracking. 
It should be noted that our outstanding mortgage is XXXX and the house is worth about XXXX according to XXXX. I spoke to an attorney and he said jumbo loans are treated differently. This makes no sense to me. 
I would like you to tell the bank to stop the auction date or at the very least postpone it. I do not know if you have the power to do this but I am hoping you do. 
XXXX XXXX
Product: Checking or savings account

XXXX is having issues and capital one as a result has not provided me with my paycheck. I am late on multiple bills and I also have fees and now my credit reports will be hit as late due to non payment.
Product: Credit reporting or other personal consumer reports

I did a review in my credit report and noticed that I had overdue payments in some accounts that I have never been overdue and accounts that I have never paid late and I see late payment and accounts in collection that do not belong to me I ask that these payments be updated or remove the late payments if it does not have solutions
Product: Credit reporting or other personal consumer reports

i had a few hard credit ( pull/ ) Inquirys in my credit report by transunion XXXX for products that i didnt do, i think that My information might have been impacted by the transunion data breach and may have got into the hands of wrong person, so i want to delete them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the support service by phone several times and they refuse to help, showing their complete incompetence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian to ask to remove the loan for a car loan from XXXX XXXX XXXX in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody
Product: Credit card

This involved Chase Bank and their routine customer practices. 

I recently opened a personal checking account with Chase Bank. In the process, a prompt popped up on the computer screen stating that I have been pre-approved for a credit card. The banker then tells me this information and asks me if I would like to open a credit card. I say yes, understanding that I have been pre-approved, and then the banker asks which credit card I would like. The banker shows me a list of credit cards that range in approval odds and rewards. 

I suspect that Chase Bank is deceiving their customers because a day prior, I applied for the lowest tier credit card with Chase Bank was was denied instantly. It does not make sense that I would be pre-approved to open a credit card from the same institution that I got denied one from. 

After talking to several bankers, friends, and acquaintances, I was informed that this message is displayed to all customers.
Product: Debt collection

BANK OF AMERICA CORPORATION ( nominal name " BANK OF AMERICA , NATIONAL ASSOCIATION '' ) ( hereinafter " BAC/BANA '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX ( See " Attachment ). To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX. XXXX " XXXX as nominee for XXXX which was recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC/BANA is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX, BAC/BANA is now the mortgagee of record. ( see " Attachment '' ).
Product: Credit reporting or other personal consumer reports

Transunion failed to freeze or lock my credit report when asked to prevent identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have accounts that are not currently reported- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You guys need to stop giving wrong reports on people 's credits for your personal gains and report accurately. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that
Product: Student loan

I have asked multiple times over the years for different payment options and all I am given is interest only payments, or full payments. i asked before i filed XXXX could these be included and I was told by the representatives that student loans could not be included in XXXX. My XXXX was cleared and discharged last year. Right now my monthly payment are {$640.00} for the interest only, if I want to be able to have anything applied to the principle, the payments are almost {$900.00} a month. I can not afford this, as the payments right now are financially killing me. 

I was not aware of all the private loans that were taken out when I attended XXXX, this was not explained to me. I was just told, oh you need this much and this much and they applied for the amounts I needed. 

Even until this day, they still tell me I am not eligible for anything, nor have they ever advised me of the Private student loan forgiveness program.
Product: Payday loan, title loan, personal loan, or advance loan

I haven't used my account since XXXX and I want to close it. When attempting to close my account, Affirm said I can't close it because I submitted an application for a loan today ( the day that I reached out to close ) which I did not. When I asked Affirm for some sort of application number or code, they couldn't provide it. I asked what retailer the application was through, but they couldn't provide it. 

I did not submit an application today. All I did was log on to my account and go to the help section to close my account. I did have to receive a verification code via text to access my account, I wasn't allowed to access my account otherwise. 


I believe Affirm fraudulently submitted an application on my behalf when I reached out to close my account because it ensures I can't close my account for 30 days now. When asked them to either provide more information on the application or a guarantee this won't happen again in 30 days when I try to close my account again, they couldn't provide either.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Inaccurate, Non-Compliant Account Entry - Violation of Consumer Rights and IRS Regulations Dear CFPB Representative, I am submitting a formal request for the immediate removal of an account entry from XXXX XXXX and XXXX XXXX  on my credit report due to multiple legal and procedural violations, inaccuracies, and non-compliance with both consumer and tax law requirements. 

Background and Violations : 1. Breach of Agreement and Wrongful Repossession : In XXXX, after an agreement was reached regarding the repayment terms on my vehicle loan with XXXX XXXX, the company wrongfully repossessed the vehicle in violation of our established terms. This action breached the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and fairness in consumer credit reporting ( 15 U.S.C. 1681 ). 
2. Failure to Issue a 1099-C for Written-Off Debt : Following the repossession, XXXX XXXX claimed to have written off a remaining balance on the account as a loss. However, despite this claimed write-off, they failed to provide a Form 1099-C ( Cancellation of Debt ), which would have accurately reported the written-off amount as required by IRS regulations. This omission not only violates IRS guidelines but also subjects the credit report to inaccuracies under the FCRA, which mandates that reported information be verifiable, accurate, and up-to-date ( 15 U.S.C. 1681c ). 
3. Misrepresentation and Privacy Violation in Account Transfer to XXXX XXXX : XXXX XXXX then transferred the account to XXXX Management without my authorization and with inaccurate information, which includes an incorrect account balance. Such transfers, conducted without explicit consumer permission, constitute an unfair invasion of my privacy under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, which requires that debt collectors respect consumer privacy and handle debts accurately and transparently. 
4. Age of Debt and Reporting Violations : Given that the original account dates back to XXXX, and the repossession occurred in XXXX, the account is approaching the 7-year mark for reporting under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ), beyond which it should no longer impact my credit profile. 

Request : Due to the significant inaccuracies, legal non-compliance, and procedural breaches related to this account, I request that the CFPB direct both XXXX XXXX and XXXX XXXX to remove all negative entries related to this account from my credit report. This removal request is based on : Violation of FCRA provisions for accuracy, timeliness, and verifiability. 
Failure to comply with IRS regulations in the issuance of a 1099-C. 
FDCPA privacy violations resulting from unauthorized account transfer. 

Please take immediate action to rectify these issues, remove this account from my credit report, and uphold the integrity of consumer rights and fair reporting practices.