23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I viewed my credit report from Equifax and was very upset to see incorrect information on my credit file. I had a XXXX XXXX acct where I was charged for an auto repair that was never done yet the auto mechanic would not give me back my vehicle without payment of which I used my XXXX XXXX card and immediately filed a dispute with them explaining what happened. The mechanic lied to them about the charge of which they told me I had to get another mechanic repair report of which was submitted. They refused to accept the report that the work was not done that was paid for and would not remove it. I continued to complain to them about it as they were sending me statements of which I had to pay even though I did not receive the auto repair that was charged for. So I told them I could no longer send payments for something I never received. My XXXX XXXX acct was eventually bought by XXXX XXXX. That hurt my credit history of which I then contacted the MN Attorney General for help. They were very good in helping me with this problem and were able to force XXXX XXXX to remove the derogatory information that was hurting me as I am in the middle of buying a home! To my shock I find out today that Equifax is still posting this plus they had an inquiry from XXXX that I never had any contact with yet it shows as an inquiry. Equifax said the XXXX XXXX information has not been updated since last year!!! I asked them why their information is n't current? They said it is up to the company 's to update information on customers accts. I filed a dispute today but am very upset that the credit reporting agency 's are not requiring monthly reporting for the public. I told them I have a letter I can fax them from the MN Atty General 's office where it states that XXXX XXXX agreed to remove this from my credit report. They said they would not accept the letter from the Atty General, they will only accept what XXXX XXXX sends them within 30 days. I do n't know what to do. I am in the middle of buying a home and this is only going to make things worse. Equifax does not have current, correct information for the consumers and something needs to be done to ensure the unsuspecting public is protected from having incorrect information as well as current information on their credit files/history. When companies buy debt from creditors they should be held to the same standard as credit card companies or anyone who extends credit. Please help me if you can! This is just not right! I have a letter from the MN Atty General Office as well as a letter from XXXX XXXX where they state they would remove this from my credit history. To date, that has NOT been done. Let me know if you want me to fax them to you since I ca n't seem to attach them to this complaint. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied or received a credit card from XXXX  XXXX  XXXX  on the dates shown.I have never used such card or ever had a delinquent payment with such bank because I dont have a XXXX XXXX   credit card
Product: Debt collection

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Violations by Portfolio Recovery Associates Dear Sir/Madam, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for numerous violations of the Fair Credit Reporting Act ( FCRA ) in their reporting to the XXXX major credit bureaus. Attached to this letter are supporting documents detailing the egregious inaccuracies in PRA 's reporting, as well as contradictory statements made by PRA in response to the previous complaint filed with your office ( Complaint # XXXX ). 

The violations committed by PRA are as follows : Blatant Inaccuracies in Reporting : -PRA reported the account type as an " Open Account '' to the credit bureaus, which is inaccurate. Collections should be reported as " Collection, '' not " Open Account. '' -The payment status was reported as " Late 120 Days, '' whereas it should have been reported as " Collection/Chargeoff. '' -Payment history inaccuracies include reporting on-time payments in XXXX of the last 24 months, with XX/XX/XXXX marked as a 120-day late payment, despite on-time payments made before and after XX/XX/XXXX. This inconsistency is both inaccurate and absurd. 

Contradictions in PRA 's Admission : -PRA asserts this account was opened on XX/XX/XXXX, however, the data furnished by PRA to the credit bureaus alleges the account was opened on XX/XX/XXXX. In complaint # XXXX, PRA admits it purchased the account " on or about XX/XX/XXXX. '' The guidelines of the FCRA clearly specify accuracy, not estimation. Furthermore, the information furnished does not align with the information provided by the original creditor to PRA. In addition to this being misleading, I never opened an account, nor signed any contract with PRA. 

-Despite my request for a copy of the purchase agreement to verify the information furnished to the consumer reporting agencies, PRA only provided outdated statements from the original creditor, XXXX XXXX. 
Violation of 15 USC 1681i : Procedure in Case of Disputed Accuracy : Using the evidence provided, along with PRA 's own admissions, it is evident that PRA has violated the FCRA, particularly 15 USC 1681i, by failing to ensure the accuracy of the information furnished to the credit bureaus. 
I sternly request that the account ending in XXXX be deleted from all consumer reporting agencies immediately, as required by law. Additionally, I urge the Consumer Financial Protection Bureau to thoroughly investigate PRA 's practices to ensure compliance with federal regulations and to prevent further harm to consumers. 

Thank you for your prompt attention to this matter. I look forward to your swift action and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a money transfer through Intermex on XX/XX/2022. The transaction was voided. My receiver did not recieve the XXXX and Intermex refused several times to refund me the money. The reason they stated they would not refund me my money they want my bank records. I will not send them my bank statements. The transaction was voided. XXXX is the number. Please help XXXX XXXX XXXX XXXX
Product: Debt collection

Company is debt collector attempting to collect a debt or behave of the Original Creditor which is a violation of the FDCPA. There is an active IDENTITY THEFT REPORT filed and is listed on my Credit Reports. 

805. Communication in connection with debt collection ( a ) Communication with the consumer generally 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 -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

( d ) Consumer defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Checking or savings account

A fraudulent charge was made on my account on XX/XX/2021. I contacted XXXX, who was the merchant, and had them cancel the order, but could not refund me my money because it was a fraudulent charge and told me to go through my bank. When I did I submitted all my paperwork, allowed them a month to investigate, and have had to continuously follow up with them. Their agents would have me go over my case all over from beginning to end and would not provide me with an update, much less a resolution. It is now almost the 90 days and they have not resolved my case and when I called yesterday, XX/XX/2021, they told me the case and appeal has closed. There has never been any communication from them and I have had to follow up with them to never get an answer. I ask to speak to supervisors and after asking them what the reason for them closing the case is, they never give me an answer and leave me on hold which then leads to them never coming back on the line. I am really frustrated that so much time has gone by and I still do not have a resolution, much less my funds back. I have been a Citibank customer since I first opened my first account in my teen years and never thought they would be this disloyal and uncaring for me.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus refused to remove an old account that's over 7 years ( Wells Fargo, XX/XX/2014 ). Just tried to submit another dispute on XXXX and their system would not allow me to address this error. It says it will stay on file until
Product: Mortgage

On XX/XX/XXXX, husband placed multiple calls requesting payoff amount. Transferred. Multiple times with no answer. Calls lasted anywhere between 30 minutes to 3 hours. Would not let us payoff loan over phone. Stated we would have to fax them a request and could only payoff loan by certified check. Refused to give us a payoff amount over the phone or email. 
On XX/XX/XXXX, payment was made in the amount of {$8800.00}. They would only accept payment as long as we didnt use the term payoff, that we just wanted to make a payment. 

On XX/XX/XXXX, I sent an email and a fax requesting the payoff amount on our loan. Planet Home Lending has not responded as of XX/XX/XXXX. 

As of XX/XX/XXXX, a payment shows made XX/XX/XXXX {$8800.00}. However, our balance has not changed and they will no longer take our calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I was furloughed due to the spike in covid-19 cases and the downward spiral of profit at work. In this stressful time I did everything in my power to prevent negative credit reporting. I reached to one of my creditors and advised of my situation and was told to callback in XXXX  hours and they will have a program for those of us affected I did just that. The agent I spoke with confirmed during this time my credit would not be negatively affected and stopped automatic payments until my return to work. Once the deferment was over my payments continued per usual however once I began my payments my credit report was updated with a late payment. I reached out and was told I was correct this was an error and it would be sent up for disputing. Once it reached the customer resolutions team I was told everyone before them was incorrect and I was not in a covid related plan but something else and their reporting was accurate. Despite notes on my account and the proof that I have they have refused to resolve this matter. When millions of people around the world are loosing jobs, family, residences this company decided to be apart of the problem and not the solution. After many months of fighting I am unable to resolve this with Avant and I am asking for CFPB to step in and get the resolution I deserve.
Product: Credit reporting or other personal consumer reports

I am a 100 % XXXX XXXX  and the joint account owner who was my caretaker informed me she was in communication with XXXX XXXX and that I had to make a payment or the truck would get repossessed. This was in XXXX of XXXX. I called them and made a monthly payment XX/XX/year> for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if this avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Product: Mortgage

My wife and I recently Refinanced our mortgage with Premium Mortgage Corporation out of XXXX. We closed on XXXX XXXX 2020. We were told because my wife had started a new job they would need a paystub before they gave us our escrow check. which we needed to help pay for our wedding XX/XX/XXXX. Two weeks had passed and we sent in her stub which was for 72 hours as she had started her job on a Tuesday. Now keep in mind I qualify for the mortgage on my own. But regardless now the new protocol they would not release escrow until we gave them an 80 hour check. keep in mind they called and verified her employment and we gave them her payment contract. By this point the loan was already booked and sold to another lender. The lender and closing office will not disclose a payment disbursement schedule nor Signed mortgage package .... I know that I should have a check for about 7k coming back to me and no one is willing to cooperate. Ive seeked legal council and told them I would be reporting them if they didn't hand over my escrow with interest.
Product: Credit reporting or other personal consumer reports

They have refused to remove inaccurate personal information from my credit report. I sent letters to the credit bureaus via XXXX XXXX Mail with the following details : XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX  The letter concerned a XXXX address that I have never lived at or been to before. This is not my current or previous address. 

TransUnion : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX The letter addressed a XXXX address ( which I have never lived at or been to before ) and a XXXX address, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, which is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX. The letter concerned an XXXX  address that I have never lived at or been to before. This is not my current or previous address.
Product: Debt collection

My wages are already being garnished for the debt I own. 

What they did today is call me from XXXX. The call came up with my WIFE 'S NAME AND RINGTONE. The ID came up as my wife 's work number, but my wife doesn't work. The message was recorded. When I heard the recording I shut off the phone.
Product: Mortgage

Today XX/XX/2019 I Received a letter from my servicer Specialized Loan Servicing Dated XX/XX/2019. The Letter was in response to an Appeal / Second review of a Previous denied completed application request for a Loan Modification. The second review was submitted on XX/XX/2019 and cc to the CFPB on the same day thru my 3rd Party XXXX XXXX. 
The letter states that on XX/XX/2019 the secondary review was denied and that I am not eligible for any home retention options. 
On XX/XX/2019 at XXXX XXXX my authorized 3rd party XXXX XXXX called in for an update on the file. He spoke to XXXX in customer service who verified the account and put Mr. XXXX on Hold to research the account. XXXX then told Mr. XXXX in order to get an update on the File he would need to be Switched to the Bankruptcy Department. At XXXX XXXX He was switched to a person that Identified as XXXX ID XXXX. 
XXXX reported at first that a document request letter was sent to Ms. XXXX XXXX   Bankruptcy attorney XXXX XXXX. My 3rd party explained that Ms. XXXX has nothing to do with this application as we are Divorced and she does not live with me. 
My 3rd Party went on to say what documents are required and he would get them to her. XXXX said to hold on and would check and see. XXXX then got back on the phone and said she reviewed the notes and no other documents were due at this time and that the file was under review. XXXX went on to say to my 3rd party as to check back next week on or about XX/XX/2019. Based on this conversation on XX/XX/2019 the file is still in review. This contradicts the XX/XX/2019 rejection letter sent to me.
Product: Credit card

This is regarding a transaction disputed initiated for the transaction on XX/XX/year> in the amount of {$230.00} ( Dispute case number : XXXX ) I had sought credit card issuers customer service to request chargeback for the defective merchandise that the merchant has refused to refund. I had provided the card issuer all necessary supporting documents and information indicating that the merchant has not clearly and adequately stated their no return accepted return policy at the time of purchase. Return policy printed in the receipt post purchase is not valid and violation of state regulations concerning consumer rights. I request that the credit card issuer to reopen the chargeback and review the dispute and investigate if the merchant has complied with the state law.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home and I see that I have damages on my credit report according to the law 15 USC 1681 law there should not be any damages on my report this is a defamation to my character.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( a ) Accuracy and fairness of credit reporting These are a list of items that appear on my credit report that I need removed Charter communications Date XXXX XXXX Balance {$200.00} Number XXXX XXXX XXXX  Date XXXX XXXX Balance {$360.00} Number XXXXXXXX XXXX Date XXXX XXXX Balance {$470.00} Number XXXX XXXX  Date XXXX XXXX Balance {$600.00} Number XXXX Possible financial Date XXXX XXXX Balance {$45.00} Number XXXX XXXX XXXX  Date XXXX XXXX Balance {$360.00} Number XXXX XXXX  one Date XXXX XXXX Balance {$380.00} Number XXXX XXXX XXXX  Date XXXX XXXX Balance {$360.00} Number XXXX XXXX XXXX XXXX Date XXXX XXXX Balance {$5000.00} Number XXXX XXXX & XXXX Date XXXX XXXX Balance {$600.00} Number XXXX XXXX & XXXX Date XXXX XXXX Balance {$810.00} XXXX XXXX XXXX & XXXX Date XXXX XXXX Balance {$600.00} XXXX XXXX
Product: Credit card or prepaid card

About 7 years ago I lent my cousin my fifth third bank credit card to provide some assistance during tough times. I never renewed this card, and figured when it expired after a couple years my support for my cousin would cease as well. 

However, about a month ago I received a notification from XXXX Bank regarding a credit card in my name that had a missed payment. I believe this cousin of mine fraudulently kept this account open past its original expiration using my personal information. I went to the physical bank on XX/XX/23 to figure out whats going on. I spoke with a banker named XXXX who said there was nothing they could do to remedy this issue. So now XXXXm stuck with {$10000.00} balance in my name with seemingly no recourse. Attached you will find two credit card statements. One is the one correctly addressed to my home. The other one is the address of my family member that perpetrated this act. I believe she finally switched the address on the account so I can assist her in payments. 

Additionally, I can not even access the account through Fifth Thirds phone line because after my social they request the account PIN number. Since I did not sign up for this account, I dont know the PIN and am unable to speak with someone.
Product: Credit card or prepaid card

See attatched XX/XX/2019 statement. XXXX CREDITS XXXX {$280.00} & {$200.00} ** USAA REVERSED BOTH CREDITS XXXX  JUST PAID ON XXXX/XXXX/2019.?? Note OTHER CREDITS ( summary account activity ) DID NOT APPLY FOR THAT PERIOD. XXXX TOTAL CREDITS FOR THIS PERIOD {$910.00}. XXXX NONE ARE USAA CREDITS. USAA HAS SUBTRATED ALL. USAA Temporary Adjustment Credits *CONFIRMING TOTAL CREDITS ONLY OF {$910.00} APPLIED XX/XX/2019 WERE MERCHANTS CREDITS. see transactions XX/XX/2019 {$280.00} & {$200.00} USAA REVERSED THE ONLY CREDITS APPLIED MADE BY XXXX. USAA DID NOT GIVE CREDIT TO TAKE. USAA SUBTRATED. ALL THEIR CREDITS ONLY APPLYING {$910.00}. USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD.