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

I am filing a formal complaint against Equifax for failing to conduct a proper investigation into the disputes I have submitted regarding inaccuracies on my credit report. 

Despite my repeated submissions, Equifax consistently responds within 24 hours, stating that the disputed accounts are accurate without providing any evidence of a thorough investigation. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes an item on their report. A response within 24 hours, without verifiable documentation supporting the accounts accuracy, suggests a lack of due diligence in their investigative process. 

Furthermore, Equifaxs failure to conduct a reasonable investigation and its misleading responses may also constitute unfair, deceptive, or abusive acts or practices ( UDAAPs ) under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). As the Consumer Financial Protection Bureau ( CFPB ) has recently addressed in an administrative proceeding, such conduct violates federal consumer protection laws. 

I am requesting that Equifax be held accountable for these violations and that a proper review of my disputes be conducted in compliance with federal law. Please let me know how I may proceed further to ensure my rights are protected. 

Thank you for your time and attention to this matter.
Product: Checking or savings account

Saturday XX/XX/XXXX XXXX to XXXX XXXX Amount {$3000.00} After deposit the money screen kept on looping on processing Never asked to confirm and never printed a receipt I called and Bank of America havent giving me any info on the claims havent funded my account which they said will do it in 2 business day it been 5 days now
Product: Debt collection

I have 3 collection accounts from Jefferson Capital. One was paid and the others I do not know about. On my credit report they are claiming to be the Original debtors and I have zero clue what they are. With that being said I was denied for a loan because of this and I wish to sue them for opportunity loss.
Product: Checking or savings account

I am writing to seek assistance regarding an issue I have been experiencing with my PayPal account. XXXX XXXX  ago, I received a notification from PayPal stating, " After a review, we've decided to permanently limit your account due to potential risk. You will not be able to conduct any further business using PayPal. '' Since that time, I have been unable to access or retrieve my funds. 

Despite multiple attempts to contact PayPal customer support, I have only been informed that my account is under review and that I should wait for XXXX XXXX. The XXXX period has now passed, but my account remains blocked, and I still can not access my money. 

I am seeking your assistance to resolve this matter and to facilitate the return of my funds from PayPal. 

Thank you for your attention to this issue. 

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

It's been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law they had thirty days to complete the investigation, and by failing to do so the item must be deleted from the report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I visited XXXX XXXX XXXX in XXXX, TN. I was interested in a XXXX XXXX XXXX and after the test drive, I was told they would " put together the numbers '' and that it would not affect my credit. When I asked for clarification on how it wouldn't affect my credit the salesman named XXXX XXXX told me that it would be a " soft inquiry '' and that they don't actually pull my credit until after I agree to purchase the car. I confirmed the details of this by telling him that I do not want a hard inquiry on my credit report and he confirmed back to me that this would indeed be a soft pull. I had a friend with me at the time who then triple confirmed with the salesman that this would not be a hard inquiry and the salesman again triple confirmed that this inquiry would indeed be a soft inquiry. I did not end up purchasing the car because the price was not acceptable so I left. When I checked my credit through XXXX XXXX this morning XX/XX/2021 I can see I have a brand new hard inquiry from Credco which is apparently the company that XXXX XXXX uses to pull merged credit reports. When I contacted XXXX XXXX at XXXX XXXX about the new hard inquiry I see, he claims I misunderstood and that he did tell me it would be a hard inquiry and that I must be confused about what he said. After confirming 3 times that it would not be a hard inquiry I don't know how this could possibly be my fault. It seems to me they are lying in an attempt to get people to purchase a car but this has very real consequences and my credit score actually dropped a few points as a result of this new inquiry that I never asked for. I have filed a dispute with the credit reporting agencies to get the hard inquiry removed but I really think XXXX XXXX and Credco need to be held responsible for these deceptive tactics that may be harming otherwise unaware shoppers.
Product: Credit reporting

I have contacted Experian and XXXX regarding the inaccurate information and have gone through the dispute process. I am attaching the information that I have provided them with regards the accuracy of their reporting. I also have illustrated the XXXX is antedating the account past 7 years to reflect a different first date of delinquency and is reporting to other credit agencies. I have another account on the Experian also from XXXX that would have a different First date of delinquency other than currently reporting extending past the 7 year mark. I am attaching the information from the Furnisher, XXXX, and other court related documents to reflect accurate reporting or in some cases complete block and deletion. The letter I drafted addresses what my requests are in detail for further review.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year>XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account and your negligence has violated my rights. I am demanding a deletion of the following account. ( XXXX XXXX ) Account number ( XXXX )
Product: Debt collection

The debt if Toyota Financial Services on a XXXX XXXX XXXX that was driven over the lease allowed mileage. 
I was led to believe that if I leased another XXXX the over mileage would be forgiven. 
I leased a XXXX XXXX XXXX XXXX for 3 years but Toyota has continued to harass me. 

XXXX XXXX XXXX The most recent call was from XXXX XXXX XXXX whom I have told repeatedly not to call me that this is not my debt.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credit. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents it was also showing on XXXX XXXX that they report 120 days late in XX/XX/XXXX when they show opened on my account in XX/XX/21 and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. Equifax has also refused to remove Inquries that was placed on my credit report that I did not give the ok to I have sent these companies certified letter also and no response back and they are still showing on my report. XXXX XXXX, XXXX XXXX, XXXX Please remove asap off my credit report.
Product: Debt collection

The property owner, XXXX XXXX XXXX refused to renew my yearly lease agreement claiming inconsistencies in my payments. My family and I have lived in XXXX XXXX  XXXX since XXXX signing yearly lease agreements every year. 

The property owner notified me in XX/XX/XXXX that they will not extend my lease for the next year XXXX, the lease will become a month-to-month agreement as stipulated. However, the property owner refused to collect my payment for XX/XX/XXXX. 

I made multiple attempts to reach an agreement to extend my lease and also to make the payments which included all sorts of fees imposed by the property owner which can include legal fees, late fees, reassessment fees, etc. Unfortunately, every single attempt was rejected by the property owner. 

The landlord then presented its eviction request for {$1200.00}, the amount due for XX/XX/XXXX which I was always willing to pay in the first place. 

During XX/XX/XXXX nobody was able to find a new house, nor move out nor into a new place due to the Recently imposed Covid-19 lockdown which included an eviction ban. During that time the landlord requested assistance aid for the period where the lockdown was imposed. 

We moved out of the unit during that time, however, the landlords attorneys continue trying to collect the same period from us as well even though they already collected the Covid Assistance Aid. 

The account is currently in 'Collection ' for {$9000.00} reflected in my credit report negatively which has impaired my chances to lease a new place. My rental options are extremely limited due to the current market that continues to increase aggressively every month. Since then, my family and I have been living in an extended stay hotel paying an average of $ 175.00/night.
Product: Debt collection

COMMONWEALTH FINANCIAL is trying to collect a debt we were charged for 8 years ago on a trip to Florida. My daughter who was XXXX had to go to the hospital. We were charged by the hospital but also charged by the doctor who treated her. Our insurance would not pay twice for the same instance and of course, we refused to pay for being charged twice for the same instance. This company has taken this debt which two other previous debt collectors have tried to collect and we refused not only to pay the debt but also continue to tell them we know this is not a valid charge. 

This company has sent us letters asking us to pay {$400.00} to close the debt and of course, we refuse. This is a rip off and they know it, hence why it keeps getting pushed from one company to another. This is the ONLY company who put this on our credit report. Not even the Dr office would do this as they know it is NOT VALID. REMOVE IT NOW!
Product: Checking or savings account

I havent officially complained about this issue yet, but only because I cant get through to Santander Bank. Im XXXX and when I call their XXXX   line, Im on hold forever until it finally just disconnects. I tried calling their main number using a  XXXX  service but the representatives are either hanging up on me or Im getting disconnected with them as well. So my complaint is this ... I have two erroneous charges on my debit card. They appear to be atm withdrawals. There are also some atm fees. Im attaching a screenshot of the unauthorized ATM charges. Please open a dispute claim for these and send me a new debit card.
Product: Debt collection

XXXX has not applied all payments to my debt, I sent information and copies of my bank statement showing payments had not been credited to my account so I stopped paying and they turned it over to a collection agency. I have sent other info to collection agency twice and have n't heard from them for a few months. They need to apply my payments and stop sending wrong information to collection agency.My credit is not very good and this makes it even harder when they refuse to correct there mistakes..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have home mortgage with Citizen one loan number # XXXX  currently in Covid 19 forbearance under CARE Acts. Though I have been granted forbearance till XX/XX/XXXXof 2021 and next payment is due onXX/XX/2021.yet again citizen reported to experience credit agency that I mortgage balance is high now .My bank altered me that citizen one home loan have report this matter to credit agency on XX/XX/2021. I tried to talk to them citizen bank, has no answer for it, they said they didn't do it mean while credit agency said they only report when lender initiated a report. I am not sure if they can report this sort of information which will negativity impact credit history of many homeowners like me. I highly urge our government, please save us from this sort of unethical behavior of bank and putting homeowners like us in difficult situation. Millions of people are losing jobs, tanent are not paying rent, municipality is not giving us the break with taxes and on top of, this sort of negative reporting is no mean to be good for hard working homeowners. Thank and I look forward hear from the agency soon.
Product: Mortgage

In the middle of COVID my mother died, I couldnt make my mortgage payments nor work, because of COVID and needing XXXX. After burying my mother. I had XXXX XXXX  and XXXX XXXX or workin XX/XX/XXXX, months after XXXX I kept having pain to find out that they XXXX XXXX XXXX XXXX in my XXXX  and had to go back in to fix it on XXXX XXXX. I am looking for work from home, but no luck yet. financially Im empty with no other resources or help. From XX/XX/XXXX I have been taking food from food banks. I filed for unemployment and now in XX/XX/XXXX theyve told me my unemployment is getting ready to expire. I am still in need of assistance, And afraid to end up on the street. I tried contacting Gregory Funding LLC and said they couldnt talk to me because of bankruptcy, I would need to get authorization from my attorney so I got authorization to talk to them and now they answer and put me on hold for and hour and a half at a time and then hang up. 
Theyve filed a relief from stay with my bankruptcy in order to foreclose. I want to work with them. When I purchased this property I put a deposit down of {$46000.00} leaving mortagage balance of only XXXX from XXXX my balance should only be {$78000.00}, but because of 2 modifications the are telling me I owe {$200000.00}. Look I have made payments over the years and not of my payments have been calculated in, theyre breaking the law by charging outrageous fees and taking advantage of me knowing I want be able to sell because of what my home is worth at market price. I am trying to sell, but because of the high fees theyve tack on Im not getting any perspective buyers, which also have to do with what I have to sell it for in order to transition or move and pay to move and 20 percent to put down on another place. What their doing is against the law with the fees theyve tact on. I need for them to remove some of their fees that they have tact on bringing the property to a reasonable price in order for me to sell at a reasonable price. Look I have put so much money in this property since XXXX I want be able to get it back, I got to have something to move and settle some where. At XXXX I should be preparing to retire, I have buried my father and XXXX XXXX and now my mother! I had taken a financial toll on me and the thing is Im still responsible for another brother who had a XXXX in XXXX in a XXXX XXXX  in Florida. I had to raised his XXXX XXXX, because my parents couldnt. I dont want to give these people a hard time I need help to keep Gregory funding from put me on the street with nothing. 
Please help me
Product: Debt collection

Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.
Product: Mortgage

found scrivener 's errors, legal descriptions and index numbers x XXXX, of property that was sold at sheriff sale, does n't match what 's on original warranty deed, legal description, transfer stamps nor current property tax bill.
Product: Checking or savings account

I closed my chase checking account on or about XX/XX/2021. The reason I closed the account was XXXX fraudulently took {$650.00} and {$650.00} a second time for a total of {$1300.00}. I went into Chase bank and reported it as fraud. I attempted to purchase a puppy off XXXX for {$650.00} but XXXX sent that amount twice! 
1 ) First of all I never received a puppy 2 ) Second, I never purchased 2 puppy 's, only 1 which I never received. 
3 ) This entire post and purchase was fraudulent.

4 ) My SSDI check went direct deposit into the chase checking account in the amount of {$1200.00} on XX/XX/2021. Since chase was showing a negative balance due to the fraudulent puppy purchase of {$650.00} X {$650.00} or {$1300.00}, chase applied my XXXX check to said negative balance and overdraft fees associated with it. 
5 ) That transaction left a negative balance in my chase checking account.

6 ) Even though the account was closed, Treasury direct deposited my VA XXXX check into the closed Chase checking account despite me calling VA by XX/XX/XXXX and providing the VA my new routing and account number so my XXXX check would be sent to my new bank, VA sent my check to the closed Chase checking account. 
7 ) I now have a positive balance of {$3600.00} in my closed chase checking account and chase will not release my money to me. I was at the chase branch in XXXX, TX. this morning to no avail. 
8 ) I am a totally and permanently XXXX XXXX Veteran and my checks from XXXX & VA are what I live on, so now I can not pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title XXXX.
Product: Checking or savings account

Bank of America- XXXX XXXX- XXXX XXXX XXXX XXXX I had multiple payroll checks that I had mobile deposited into a bank of America account stolen from me and the person who stole them used their phone to mobile deposit them in to a XXXX XXXX XXXX XXXX account. A listing of the checks and amounts is below. Bank of America then took all of these amounts out of my account stating that they were a " duplicate deposit ''. A police report was filed due to the check fraud. Bank of America will not allow me to file a fraud claim because they state the checks were not drawn on a b of a account. XXXX XXXX will not allow me to file a claim with them because I do not have an account. The bank that the checks were drawn on XXXX XXXX   will not allow me to file a fraud claim because I am not the account holder. The account holder has tried to file a claim and they will not let them because they state that the fraud was not committed against them. I am at a loss as to how to get my money back. 

Check number 1 - originally deposited in bank of America on XXXX - was taken out a 2nd time on XXXX for the amount of {$750.00} Check number 2 - originally deposited in bank of America on XXXX - was taken out a 2nd time on XXXX the amount of {$420.00} Check number 3- originally deposited in bank of America XXXX XXXX was taken out a 2nd time on XXXX for the amount of {$400.00} Check number 4 - originally deposited in bank of America XXXX XXXX - was taken out a 2nd time on XXXX for the amount of {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 CBNA ( Citibank N.A. ) Pulled a hard inquiry on my credit report without my authorization. Once I noticed the hard inquiry, I went ahead and put a credit freeze on XXXX XXXX with XXXX, XXXX, and XXXX. Since the freeze Ive been in contact with Citibank and the credit bureaus. I called Citibank @ ( XXXX ) XXXX and XXXX @ ( XXXX ) XXXX multiple times. Talked with numerous of representatives. It seemed like they knew exactly what the other party would say. Citibank representatives said to contact the credit bureaus and dispute with them. Credit bureaus would say contact the lender since they are the ones who pulled the hard inquiry. Same story & script. Both fraud departments couldnt help me at all. Majority of the Citibank representatives said there is no open/closed account nor an application in their system under my name/info. So this is why they all referred me/transferred my call to XXXX fraud department which didnt solve my issue.