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

since XX/XX/2019, I have sent severla letters to Equifax regarding medical collections that they are reporting as accurate. XXXX and XXXX have already deleted these items on their end because they could not verify the accounts, but yet Equifax is reporting them as verified. I have asked for documentation that shows my signature regarding these accounts. I do not remember having any accounts and Equifax is reporting it as valid. Time after time, they have not been able to produce such documents and only respond to me with a generic response. I want to see documents of what has been produced or how it was verified. i want to see my signature on these documents!
Product: Mortgage

XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  policies paid from escrow and remianing escrow money returned to me ( remember this! it will come in later ) XX/XX/XXXX2020 PRMI letter stating escrow has been removed from my loan XX/XX/XXXX2020 PRMI letter stating loan no longer escrowing for homeowners insurance. ( remember this! it will come in later ) XX/XX/20-I sent and XXXX sent proof of flood insurance of paid in full. 
XX/XX/20-I sent in letter to waive escrow and your form to remove flood from escrow ( after Id gotten notice you were going to escrow it ) .I should not have had to do this since escrow account had been removed from loan and flood insurance had been paid in full by me. 
I contacted PRMI customer service several times asking why abd they said IT HAD TO BE ESCROWED. When asked why, I was told that federal requirements mandate it. My loan in conventional. It follows XXXX XXXX rules. NOWHERE in XXXX XXXX rules does it say it has to be escrowed. It says it has to be COLLECTED if in flood zone. I can quote you the rule if you like. 
Now we come to PRMI Flood Insurance Coverage Subject to Change Disclosure form. Second paragraph, last sentence says : '' IF flood insurance is required AND you escrow your taxes and insurance. the lender must include flood insurance in the escrow account. ". 
Since I havent had an escrow account since XX/XX/XXXX or XXXX whichever date you pick, then I am not required to escrow. If an escrow account was recreated for my flood and added to my loan it was an error and you need to fix it and delete it. 
I have been trying to resolve this since XX/XX/XXXX20 within PRMI and they have refused to remove the escrow account. There is no reason why. This could have been simple, easy, painless, good customer service, good experience, but no. And I have never been late with a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Checking or savings account

On XX/XX/XXXX XXXX took XXXX in XXXX separate withdrawals form my account. I immediately went through XXXX and showed them how the payment was not due until XX/XX/XXXX. XXXX deposited XXXX back into my account on XX/XX/XXXX. 

Also on XX/XX/XXXX Afterpay took two XXXX withdrawals from my account. That same day after I spoke with them, they deposited XXXX back into my account because Ive returned the product and they werent supposed to take those payments. The XXXX includes a past payment of XXXX that I already made. Citizens bank has charged me at this point over XXXX in overdraft fees. These were unauthorized charges and the companies directly out the money back. They kept saying that they charged me for daily overdraft fees for the time from XXXX until XX/XX/XXXX when XXXX out the money back. Then they also charged me overdraft fees for the transactions I made after that when they are supposed to adjust the transactions correctly because I supposed to have had money in my account at that time before the unauthorized withdrawals that were later our back by the company occurred. Im already in a class action lawsuit against them for overdraft charges and this shows exactly why. My check deposits tomorrow and theyre taking most of my money fraudulently because I didnt overdraft those were unauthorized charges that were paid back by the companies. Please assist me in getting my money and account correct so I can leave this bank. Ive spent a total of XXXX hours on the phone talking to reps and managers until they just hang up on me and absolutely refuse to fix my account. Yesterday they refunded XXXX in fees and I wake up today and they charged XXXX again. They will charge another XXXX tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX/XXXX XXXX XXXX  that the date of first delinquency was in XXXX of XXXX. No payment was made on the account from the date of charge-off until XX/XX/XXXX when the account was settled after the charge-off. Paying off the account should not have affected my date of first delinquency. When the account hadn't fallen off after the 7 year reporting period, I submitted an online dispute ( in XXXX of XXXX ) to have the account removed from all three credit bureaus. XXXX   and XXXX both removed the account from my credit report, but Experian updated the account with new information changing the date of first delinquency to XX/XX/XXXX when the account was paid off, resulting in the negative account staying on my credit report until XXXX, meaning that this negative account will be on my credit reports for 10 years.
Product: Debt collection

I have filed bankruptcy for FlexShopper I receive XXXX XXXX calls Daily since XX/XX/2021 from multiple numbers : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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.

Equifax 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: Debt collection

phone calls from XXXX Ext. XXXX XXXX XXXX. I attempted inform his of the situation to find a resolution. However, he was horrendously rude and obnoxious. He even went as fraud to break the law by threatening me and making false claims, advising of legal action and garnishment of wages. This man clearly has no business in the field if he can not obey the law and I have listed all the laws he has broken. I am now wondering if this is a legitimate business or scam. 

XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the Following account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Have contacted Navient since XX/XX/19 to request form be endorsed for EDRP for my XXXX employer to repay my student loans. Receieve only automated correspondance via email. Have uploaded form twice. Was then told to call us dept of education who after calling and emailing with them referred me back to navient. Also, navient has made me fill out the income based repayment plan app in XXXX and again in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow -- up to ensure that this account is verified completely. 
The account is reporting mistakenly and I want its status to be fixed as soon as feasible. 

Please authenticate this listed account : XXXX XXXX XXXX : {$260000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve this matter.
Product: Debt collection

Certified mail was received in XXXX by XXXX XXXXXXXX XXXX with an old contract of an auto loan not the new contract that I have signed with them nothing valid shows I owe this company any money. And they also mailed out my old contract and it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I have never signed a form with giving them access to any of my information.
Product: Student loan

I signed up for classes at a school name XXXX XXXX XXXX here in XXXX, Michigan, and I was pretty much tricked into taking out a student via XXXX XXXX and the school was part of a Ponzi scheme, and it closed without warning. I had filed for bankruptcy and tried to get rid of the student loan debt ; but it did not work, so I filed for a adversary proceeding in court against XXXX XXXX back in XXXX/XXXX ; There was a lawsuit filed against this school for breach of contract and misleading students ; I went to court to try and discharge the loan. I also had a Federal loan as well, but this was in regards to the Private loan ; I continued to pay on the federal loan as agreed with the judge ; and the judge told me to submit discharge papers and information to XXXX XXXX ; they have been giving me a head time ; the courts awarded a judgment in favor of the students, but XXXX XXXX, now Navient will not discharge the loan ; they are claiming I was not enrolled, when I was ; obviously there is a loan right, that 's proof right there. If you review the case you will see the court ruled in our favor, and I have been sending Navient excerpts from the court proceeding as well as the article about this Ponzi scheme and they still refuse to work with me and remove the loan from my records. It has damaged my credit and they will not work with me and its frustrating. I see all of the lawsuits in the news about Navient, not willing to work with people and forgive the loans ; what can be done to help get this off my records. I would greatly appreciate your feedback.
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 : XXXXDEPT OF ED XXXX Account name : XXXXDEPT OF ED XXXX Account name : XXXXDEPT OF ED XXXX Account name : XXXXDEPT OF ED XXXX has violated my rights 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: Checking or savings account

Hello, I made an in-person deposit in form of a United States Treasury check at my local Bank of America branch on XX/XX/XXXX and was assured the funds would be available the next business day. The teller swiped the check through their reader and verified the authenticity of the check. 

Later on in the evening of XX/XX/XXXX I received an email from Bank of America telling me that my funds would not be available until the end of the following week on XX/XX/XXXX due to them believing the item/check may be returned. 

That is simply unacceptable. We are talking about a somehow larger check, sure, but its a valid check from the US Treasury and not subject to significant holds under Regulation CC and if, on the rare occasion, an exception is invoked you better be very sure there are grounds for that and you arent placing an undue burden on the customer. A week and half hold for the full amount of the deposit of an, again, US TREASURY check is simply unacceptable, so I have to wonder why and how this decision was made. 

Apparently the person at the bank, who actually held the check and verified it, had no issues with it, so what happened here? Someone in the processing center came across this deposit and decided to just slap on a hold on it due to believing the funds wouldnt be available from the US Treasury? 

My account is in good standing and has always been so. My balances are typically in the neighborhood and have been in excess of this $ XXXX deposit, so its not like Im a new customer or someone who isnt known to the bank. 

Was it my foreign sounding name that caused someone to put this hold on my account, because I cant imagine what else it was? 

BoA didnt even attempt to mitigate the situation even somewhat by making a portion of the check available, but instead is holding the entire amount. 

BoA also did this after close of business at which point I couldnt go back into the branch and ask for the check back so I could deposit it at my credit union, who wouldnt have acted in this manner. 

There simply is no good reason to have this long of a hold on a properly endorsed check from the US Treasury, because surely if the check was fraudulent, law enforcement for the treasury wouldnt be waiting until the end of next week to notify BoA and myself of that l, and if the check cleared, it would happen also way before that, so for me to not have access to the funds before some arbitrary date is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name is improperly being reported/used/published.   My correct current name i s   XXXX   XXXX     ( F ormerly   XXXX   XXXX    ). I   have never gone by the name   XXXX   XXXX   XXXX   nor do I currently go by the name   XXXX   XXXX   XXXX   -- Please have this corrected as soon as possible.
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 : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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: Bank account or service

I have a loan with Bank of the West and I am frustrated because I was just informed that I would not be receiving regular statements, which was not disclosed at the time I took the loan 3 months ago. In addition, when I go to view the payments that were made online sometimes the payments show and sometimes they do n't, it 's very arbitrary. So downloading my activity is useless. Is there some remedy so that I have a way to make sure my payments are posted accurately and timely? I feel like I am in prison with a bank that is less than transparent and I do n't care for it and I am wondering if this is allowed from a regulatory perspective.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on my experian credit file. I am been trying to temporarily lift this freeze but experian is being very obtuse about it. When I try to enter my PIN, it doesn't recognize it. When I try to get a new PIN, it asks me to verify my identity, which I do succesfully, but then it locks me out and tells me to contact experian via mail. It does the same thing when I try to access my credit report after credit denial. I have mailed and faxed my request but no one has responded. All phone numbers for experian are circular IVR systems designed to drive you mad. I wish this horrible company would die and go out of business.
Product: Credit card

had credit card with wellsfargo each month charged excessive fees no matter how much paid month after month balance never went down. whatever paid like throwing away money. asked for consolidation loan for help turned down, someone needs to look into how charge excess credit card fees something going on with this company.PLEASE PUT WELLSFARGO UNDER MICROSCOPE ON THEIR CREDIT CARD FEES AND INTEREST RATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern/ XXXX XXXX ( CEO ) Experian XXXX Box XXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 


XXXX XXXX XXXX TXXXX XXXX Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under the FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Product: Credit card

( 1 ) On XXXX XXXX, 2016, I placed an order with a merchant named, XXXX XXXX XXXX XXXX , XXXX ( " Merchant '' ), so that a personal service of process of legal documents could be performed. 
( 2 ) On XXXX XXXX, 2016, XXXX XXXX XXXX XXXX , XXXX informed me via email that they did not receive the order I placed online for the service of process that I requested. 
( 3 ) In a subsequent phone conversation with the merchant, I informed the merchant that, since the order was not received by them, that I wanted to cancel the order. 
( 4 ) Upon cancellation of the order that I placed and after the merchant collected my credit card information, merchant leaves a voice message and informs me that as the order was initiated and that a large number of copies were printed for the service of process, that I was going to be charged for the order even if the service of process was not complete. 
( 5 ) Merchant misinformed me as to whether he received the order that I placed. Merchant collected my credit card information and because the order was canceled after merchant informed me that he did not receive my order, he proceeds to charge me in the amount of {$58.00} for an excessive amount of copies that did not have to be printed as merchant alleges. 
( 6 ) The service of process was not properly being completed by merchant as the original order indicated that the attorneys for the defendants ( a single party ) was to be personally served and consequently the number of copies merchant alleges to have made was not required. 
( 7 ) A second order was previously placed by me in the amount of {$74.00} for which the merchant also had not charged me for. 
( 8 ) On XXXX XXXX, 2016, I inquired via email with merchant to determine why I was n't charged. 
( 9 ) Nevertheless, as merchant fulfilled the terms of this order, I informed merchant to charge my credit card. 
( 10 ) Merchant charged my credit card a total of {$130.00} for both of the orders that I placed, but the amount in {$58.00} was unauthorized.