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

Called number for EQUIFAX provided to me today. 
Have been on hold 1 1/2 hours now. 
What I do get, as CFPB knows from it 's audit calls to the number CFPB provides the public, is marketing efforts while " on hold. '' I have gotten free annual credit report from two of the three - but EQUIFAX now says to request in writing ; I.e., introduce mail risk into the mix. 
How do I get free annual credit report from EQUIFAX? 
EQUIFAX runs one through process - entering SSN twice, etc. - then says " try again later. '' Have placed freeze with other two. 
How do I get credit freeze applied at EQUIFAX? 

Does CFPB brochure describing the credit system controlled by these three? 

If not, can CFPB direct consumers to an source for an explanations?
Product: Checking or savings account

I got my credit card numbers stolen from someone in XXXX, Maryland and they charged {$420.00} at XXXX XXXX online purchase I did not authorize. I need help recovering my funds.
Product: Credit reporting or other personal consumer reports

I am following up on ongoing inaccuracies in my credit report that remain unresolved. Despite submitting multiple disputes and providing supporting documentation to demonstrate these errors, the information continues to be reported incorrectly without any corrections. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to maintain 100 % accuracy in reporting. By allowing these inaccuracies to persist, your agency is in violation of this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are apparently victims of id fraud resulting from the XXXX Equifax data breach. We have attempted to obtain data from Equifax regarding apparent discrepancies in our data. When we try to access data, they always ask us a ridiculous number of questions that have absolutely have nothing to do with us and then refuse to do nothing for us.Of the three credit agencies, Equifax is the only one that gives us trouble. We believe that possibly someone has given fraudulent personal information about us and Equifax has loaded that false information into their database. We are unable to give examples of the bad data because Equifax has repeatedly refused to provide us with our credit files because we answer their asinine questions wrong. Our credit rating with Equifax is very low, yet it is above XXXX with the other two agencies. My wife was recently turned down for an auto loan because of erroneous data in her Equifax file, yet Equifax was reporting her credit score to be XXXX. This was reported in a letter from XXXX XXXX XXXX on XX/XX/XXXX. A similar letter was received from XXXX XXXX of XXXX SC on XX/XX/XXXX. Ditto for XXXX XXXXXXXX XXXX on XX/XX/XXXX. Fraud alerts were filed with all 3 credit reporting agencies on XX/XX/XXXX, and an ID Theft report was filed with the TPC at the federal government today, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX  Bankruptcy Reference Number : XXXX
Product: Consumer Loan

dispute of response case # XXXX so again i do n't see where my principal only payment of {$50.00} paid on XXXX XXXX was reversed..what date was reversal applied?
Product: Mortgage

I closed on a mortgage refinance from Bank of America ( Original Bank ) to XXXX XXXX XXXX XXXX ( New Loan servicer ) on XX/XX/2020 with cash out. The principal amount at BOA was {$450000.00} and the new loan amount is {$490000.00} with XXXX. The problem arises after closing and with BOA not closing out my loan and having it still active in their system and still trying to auto withdraw from a recently closed checking account. BOA incurred a bounce fee and I am also getting letters of late payment. I attempted to reach out to the mortgage department multiple times, however, their automated system tells me they are closed while their reported hours state they should be open. I have tried to have their customer service reach out to that department as well with no avail and no follow-through from BOA. I emailed the lawyers from XXXX end and they have been trying to get to the bottom of this with the lawyers from the BOA end that were handling the closing, the emails state that BOA is having system updates. My main concern is that BOA 's multiple technical issues will cause me to incur unnecessary fees and negatively impact my credit. I don't have the proper familiarity to double-check each party had taken care of what they need to but to me, this looks like BOA is failing to do their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT XXXX XXXX CODE XXXX FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( XXXX ) TIMES FROM TRANSUNION CONSUMER REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  ( A CLOSED ACCT ) XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS
Product: Credit reporting, credit repair services, or other personal consumer reports

A judgement was filed against me in XXXX XXXX, Virginia by an attorney XXXX, XXXX XXXX XXXX in Maryland on behalf of XXXX XXXX XXXX. THIS JUDGEMENT DOES NOT BELONG TO ME!! 

The judgement shows up on my TransUnion credit report. in the amount of {$11000.00}. THIS JUDGEMENT HAS BEEN ON MY CREDIT REPORT SINCE 2018. I DID NOT KNOW IT WAS THERE UNTIL APPLYING FOR A MORTGAGE. IT IS POSSIBLE THIS JUDGEMENT PREVENTED ME FROM OBTAINING OTHER CREDIT AND A GOOD DISCOUNT ON CAR INSURANCE. MY EMPLOYER MAY HAVE SEEN THIS JUDGEMENT. 
I HAVE PERFECT CREDIT AND HAVE NEVER HAD A JUDGEMENT OR ANY OTHER TYPE OF NEGATIVE CREDIT IN MY ADULT LIFE. 

After obtaining the details of the JUDGEMENT with XXXX XXXX Government IT WAS CONFIRMED THAT THIS IS NOT MY DEBT ... and I am not the DEBTOR CONFIRMED AND IDENTIFIED by my official birthdate and legal name. IT WAS STATED THAT I WAS SERVED WITH A WARRANT AND REQUIRED TO APPEAR IN COURT!!! THIS NEVER HAPPENED!! I HAD ABSOLUTELY NO KNOWLEDGE OF THIS UNTIL VIEWING THE CIVIL CASE DETAILS WITH XXXX XXXX GOVERNMENT!!! 

I HAVE TRIED TIRELESSLY TO REACH THE LAW FIRM OF XXXX, XXXX XXXX  XXXX TO RETRACT THIS JUDGEMENT WITH NO REPLY. THIS LAWFIRM ERRONOUSLY FILED THIS JUDGEMENT WITHOUT VERIFYING PERSONAL DETAILS OF THE DEBTOR.
Product: Mortgage

I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. However, until now, no one has got back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 ; I have filed numerous complaints regarding Equifax, XXXX, and XXXX unwillingness to DELETE erroneous activity found on my credit report. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired.
Product: Payday loan, title loan, or personal loan

I had applied for Covid relief during the pandemic because I was unable to work as a XXXX. I restarted my monthly payments and they didn't post a late fee on my account until XX/XX/2021. They have been charging a late fee ever since I applied for relief on my account. I would like for them to freeze this account until this issue is resolved. I do not want late fees to accrue, or for it to affect my credit score. PNC has been charging me late fees ever since I applied for Covid relief with them.
Product: Consumer Loan

I purchased a mattress and decided to utilize the for 0 % financing option offered through XXXX XXXX XXXX and managed by Synchrony Bank. 

The payments commenced in XXXX XXXX. I opted thier mail option ; to pay by check and mail it in. ( I use the mail-in option for all of my monthly bills with other companies ). 

In XXXX XXXX, I had mailed my check on XXXX/XXXX/XXXX ( payments are due on the XXXX of each month ). The following month, the XXXX XXXX statement, I noticed a late fee. The payment I had sent on-time was posted on XXXX/XXXX/XXXX. 

I followed their dispute resolution process and sent a letter to them in XXXX. I never received a response. 

I sent a second letter in XXXX XXXX and again never received a response. 

I sent a XXXX letter in XXXX. I never received a response. 

I then finally received a response letter stating that they did not know why the check was posted late and would refund all the late fees and interest on my account. They did in fact correct the balance on my account. 

Now in XXXX of XXXX, I sent my payment as usual, however a week later, the XXXX XXXX returned my envelope to me. It was post-marked XXXX XXXX, XXXX, and the post office tag cited it as " XXXX/XXXX/XXXX return to sender : no such number : unable to forward ''. 

I double-checked the address on my statement as well as called the company, and I was told the address was correct. I explained that the envelope was returned to me, the representative stated they did not have an answer why, that it must have been a post office error. 

I decided to re-send the same unopened/sealed envelope, as is, on XXXX XXXX, XXXX. 

I also sent letter to their dispute department with a photocopy of the envelope clearly identifying the postmarks. 

My payment cleared my bank account on XXXX XXXX, so clearly they received the envelope, however, again it was posted late to my account. 

My XXXX statement arrive on XXXX XXXX with again, another late fee processed. 

I have sent the XXXX dispute letter for this charge and again included a photocopy of the envelope. I noted the post-marks, which clearly supports my suspicion that they are intentionally delaying payment processing. 

This is the second time in less than a year that Synchrony Bank has delayed processing my on-time payments. They still offer mail-in payments, yet they delay processing these payments and charge late fees. I believe they are purposefully doing this, whether to force a late fee charge, or through pure negligence and incompetence. Whatever the reason, they offer mail-in payments and thus should be able to process those payments appropriately and to industry standards. 

I have never had any problems with any other company processing my payments. On most occasions, my checks are clearing within XXXX5 days after I put them in the mail.
Product: Debt collection

I have completed three written requests for legal verification of an account with Capital One that has been charged off more than 8 years ago and all of my written requests for a response have gone ignored. They have not complied with my legal requests and my written attempts were sent in XX/XX/2018, XX/XX/2018 and lastly XX/XX/2018 to no avail.
Product: Money transfer, virtual currency, or money service

I reported I was scammed on Zelle and both my bank and Zelle did not investigate my dispute. They stated the fund were irreversible and could not investigate. Which is not fair to me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Capital AccountsNo : XXXX First of all, a customize night guard should not cost {$1100.00} with Dental Insurance unless Im Tarantazours rex. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my Dental Insurance and give me a call back, she never did and they still have sent my {$60.00}. 

Attached is my bank statements proving payment in full. Ive sent the same documents to Capital Accounts, XXXX XXXX XXXX and XXXX ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX and XXXX and theyve removed the negative charge.
Product: Debt collection

This company keeps calling us concerning a debt that is for a person who does not live here. We keep telling them this and to stop contacting this number, but we continue getting calls from them.
Product: Checking or savings account

I called Santander bank credit card, and the person on the phone kept repeating the same questions over and over again because he couldn't understand English. it was a second phone call I had made and the same person on the phone pretended he couldn't hear me either. On XX/XX/year> is a charge for {$35.00}, from simple mobile. This a charge for one month use, for a hotspot. It works for a few minutes and then cut out as never works since the entire month of XXXX. I called 18 times spent 24 hours on the phone trying to get this to work. They could never get it to work even though there was enough megabytes on my account, so I want 100 % refund of XXXX
Product: Mortgage

I am writing to request correction of the errors described below regarding the XX/XX/2019 mortgage payment on my property at XXXX XXXX XXXX, XXXX, NJ XXXX. 

I made my XX/XX/2019 mortgage payment on time. That payment cleared on XX/XX/2019. On XX/XX/2019, I received information to send my mortgage payments to Mr. Cooper. By that date, SETERUS, my former mortgage service, had already deducted funds from my account. 
See Attached A ( Copy of Check # XXXX ) The change in mortgage servicing was not disclosed to me prior to XX/XX/2019 when Mr. Cooper assumed my mortgage account. I wrote to Mr. Cooper in XX/XX/2019 and XX/XX/2019 informing that my XX/XX/2019 payment was sent and cleared by my previous mortgage service SETERUS. 
See Attached B.
Product: Vehicle loan or lease

I submitted a previous complaint XXXX and the company falsely closed the case saying that they reached out to me and sent me a copy of this complaint to the CFPB. Complete and total lie. They never emailed me, called me, or sent any letters. They never reached out about that complaint and also left a phone number that goes to voicemail and they do not call back which is what happens with all phone numbers they give. 

XXXX is sold us a car with major problems and failed to disclose it us ( the buyer ). It is a case of fraud. They sold us a car that can no longer be used unless repaired for {$7000.00} due to it having bad a transmission. They purposely did not show the car fax to hide the transmission issue. They have avoided all calls and e-mails sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misuse of my credit report.

15 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2002 I sent a letter to XXXX, Transunion and XXXX advising them to remove outdated and information that doesn't belong to me, they have yet to do this. 


The credit companies are not complying with their own policies in a timely manner.
Product: Debt collection

I have been disputing this outdated account for BARCLAYS BANK since XX/XX/year> and i have not been getting any movement on removal on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FAXXXX OR MISLEADING REPRESENTATIONSXXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX, AZ XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX Please remove it from my credit report. 
15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Bank account or service

I got a new Bank of America credit card. I went into my Bank of America on-line bill pay and paid the complete balance by the due date. On the next billing cycle of my credit card, the statement says I never paid and it charged me late fees and interest. I went back into the online bill pay and it says Bank of America cancelled the payment to pay off the credit card. I talked by phone to a Bank of America rep and he just had no idea about what happened and told me to just pay off the balance including the late fees and interest.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.
Product: Debt collection

Received two calls from Reliant Capital Solutions - I called today XX/XX/17 to see what this issue was about. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX. When I called the " gentleman '' back at XXXX XXXX he told me it was an old debit from XXXX University . Told him I believe the amount they have is incorrect and as soon as he submits a debit letter to me I will review it and get back to him in writing on how to resolve this problem. He immediately started with tactics about where I work and threatened my assets - For the record I was not stating I did not or was not will to workout something for this debit, but he was right away threatening and she started to use tactics that I know are illegal. I did tell him I only wanted to contact him my written communication. I thanked him for his time and hung up. I do not like being bullied, especially since I took the time to try and resolve this in a peaceful manner.
Product: Checking or savings account

BANK OF AMERICA charged my low account ( acct # XXXX ) {$10.00} to {$35.00} overdraft fees on the following dates and refused my request for a courtesy refund today. 

I have also emailed their CEO and corporate staff about this. 

XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XXXX, XXXX and XXXX they charged a XXXX XXXX monthly fee. 

The total fees charged was about {$1100.00}.
Product: Debt collection

CHASE BANK FROM A XXXX FLORIDA EXCHANGE WHICH IS XXXX HAS CALLED 82X FROM XX/XX/2018 - XX/XX/2018
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information on my credit report which is not under FCRA compliance. I also never authorized any hospital to release my personal medical information to any third party collection agency which is a HIPAA Law violation. Please remove this account from all credit reporting agencies or I will pursue legal action.