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

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' Equifax, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and Equifax, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' Equifax, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Product: Credit card or prepaid card

Hello, My wife and I purchased XXXX airline tickets on XX/XX/20 which posted to my Bank of America credit card account on XX/XX/20. The flight was to depart on XX/XX/20. Due to the current pandemic, XXXX cancelled the flights and we requested a refund. Due to delays, XXXX stated they would issue a refund within 7 days, however, please allow up to 30 days due to delays. The refund has not been issued and Bank of America ( rightfully ) is charging me interest. I would like to dispute the charges to avoid accruing any additional debt XXXX interest ). I have tried calling XXXX and can not get through. Bank of America 's online banking does not provide me the option to dispute the charge. I am an essential worker and asked my wife to call in and advise of our problem. I did not realize that she was not listed as an authorized user. She then attempted to get me on the phone to speak with the representative who refused to take the dispute and insisted I call back. This is clearly not fraud or an attempt of her trying to use my credit card without my permission. The situation was not handled appropriately. Why was my wife not able to get me on the phone at that moment to talk to the representative? I'm at work and unable to call until after hours. Your policy, which is unethical is a hinderance and is wasting my time. The online banking system allows me to dispute other charges but not those specific ones. Why is that? I'm sure that other representatives have allowed callers to contact the primary card holders if needed. She was also not requesting information from the account, she wanted to provide information. This so called attempt to protect my information is costing me because your bank is charging me interest on a purchase in which I did not receive the service. I would like those charges disputed.
Product: Credit reporting or other personal consumer reports

It has been over 30 days since I am writing to ensure Equifax that they have the most accurate information in my credit file at all times. I asked them to please delete the following inaccurate information from my credit file within the last 30 days. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX I stated that they had up to XXXX days to meet my requirements. I also stated that If I do not receive any updates from them during this period, I know that these inaccuracies should be automatically removed.
Product: Credit card

This complaint is regarding a dispute with  Wells Fargo Platinum  Credit Card. I was making regular payments until  XXXX     2017  when I fell behind but continued to make timely payments. On  X/XX/17    I spoke to someone in collection and agreed to a payment plan ove r 2 dat es to bring the account current. I completed both payments on  X/XX/17    and  X/XX/17    to bring my account current. In the meantime, we sold our home on  X/X/17    when we applied for a mortgage and learned tha t Wells  Fargo reported me to the credit bureau on  X/XX/17    for late payment. This is now preventing me to obtain a mortgage. My husband can not qualify to obtain the mortgage on his own and my income and therefore my credit is required. This  XXXX  late fee on  X/XX/17    has devastated our lives, we have  XXXX  small children. I explained to them that the reason of the move is to relocate to access better public schools so that we would not have to continue the hardship of paying for private school. The latter is the reason why I fell behind for a brief period with this  XXXX  credit card.  Wells Fargo m aintains their position that my payment was due on  X/XX/17    and because the payment plan we set up was on  XXXX  and  XXXX  they had to report me to the credit bureau. I asked why they did not tell me this when they set up the payment plan and they replied that they do not have to, their job is just to collect money. I acted in good faith and trusted that the payment plan would fix everything. It did  for Wells Fargo, I jus t never thought of  X/XX/17    being the next due date since we set up the payment plan. I would have made a smaller payment to just avoid this late fee on   X/XX/17  i f I was properly informed. I feel blindsided. Poor customer service and unethical behaviors are my concerns. I can not understand how they can set up payment plans but then report you to the credit bureau. The inability to obtain the mortgage is devastating and I am at a loss of how to fight for my rights to be treated as an overall good long standing customer should be treated. I expect my bank to look out for me and its customers in the community, what happened to me is not an example of ethical community collaboration between a bank and a long standing good customer. This situation is life devastating, we are talking about 7 days from  X/XX/17    to  X/XX/17   , less than 30 days late. I intend to take this dispute high up the chain. So far, the  Wells Fargo Executive O ffices have not been cooperative and refusing to remove the report to the credit bureau. Our efforts to make better choices to reduce financial hardship has now caused a set up for additional financial hardship. We sold our home and are now unable to obtain a mortgage. Renting would set up back causing tax consequences. I intent to take legal action if this is not resolved favorably.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose. Ive tried disputing multiple times, however the credit agency have blocked me from disputing any further. Also this matter has been treated as a total loss, and theyre still violating my privacy during this tragic loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Personal Information Employers : I no longer work for XXXX XXXX  It has that company still listed on my credit report. 
Names : XXXX XXXX XXXX XXXX incorrect name on my credit file. 
XXXX XXXX XXXX is my only name. 
Addresses XXXX XXXX XXXX XXXX XXXX, WI XXXX is NOT my address, never was my address. Someone had to be using my name for that address and I don't live there. 
XXXX XXXX XXXX XXXX, WI XXXX is not my address it should not be still listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX is not my address, it should not be listed on my credit report, I never lived there. 
XXXX XXXX XXXX Ct XXXX, WI XXXX is not my address, it should not be listed on my credit report. I never lived there. 
I would like this addresses removed from my credit file., I do not recognized them. 
My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a glitch in my credit file at Equifax. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use equifax and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my Equifax credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the Equifax guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to equifax for the last couple of years. Its not fair to have my life on hold because equifax will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? Equifax should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault equifax cant fix the glitch in my file.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX Date Filed/ Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

COMENITY BANK XXXX XXXX XXXX  is in violation of 15 USC 1692 my federally protected consumer rights. I never received notice that I could dispute a debt. Several statements and phone calls using profane and obscene language. See documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account and paid it off with XXXX XXXX years ago and they have not removed the collection from my account. Now XXXX XXXX is reporting, as of XX/XX/2022, that I have a collection/charge- off account with experian and XXXX. I do not have a collection account with them. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed or corrected this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute these accounts out my credit and they were reinserted. I ask these to reinvestigated and send me a reply in 15 days and i never heard back.
Product: Mortgage

I do not have all the documents in front of me but know that XXXX, HUD and XXXX XXXX   absolutely XXXX my family when applying for a loan modification that ended up putting us into a worse situation than we were in. They constantly said our document package was incomplete and had I us submit 8 packages. The only reason we got somewhere was because we got HUD involved and paid XXXX XXXX, at XXXX XXXX, {$1500.00} to assist! Eventually, we got a modification that added {$30000.00} to the principal, while maintaining same interest rate, and had us start over with a new, 30yr fixed loan? Unfortunately, there was no CFPB when all this was happening so we were financially handcuffed by all these companies who were performing fraudulent transactions or misleading consumers who were going through traumatic period of life. I lost my wife, job and XXXX in the process. I was put into a XXXX hospital for two months and came out defeated. The initial contribution to this time of my life was job loss but then was all due to me fighting to save my home!! In order to save it for a year or two, we were forced into a worse situation. Moreover, I lost this home for good a few years later because I couldnt afford it on one income and my wife was released from any payments on this house. I had XXXX small children to care for and had joint custody. I really hope my past trauma will result in some type of financial relief provided by these huge, awful and deceptive companies/banks that get bailed out when they run into financial struggles! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because these companies have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. XXXX is reporting the following accounts and information violating the laws I listed above : XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX number XXXX, XXXX number XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX number XXXX, and XXXXAccount number XXXX. 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX number XXXX, XXXXAccount number XXXX, XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX XXXX number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX XXXXAccount number XXXX, XXXX XXXXXXXX XXXXAccount number XXXX-XXXXXXXXXXXXXX, and collection account reporting a {$140.00} balance with no creditor or person information. 

Experian is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX XXXX no account number, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount XXXX XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXX XXXX account numbers XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. I've also attached the fair credit reporting act laws so the person can read the laws they violated.
Product: Student loan

I called the XXXX service line multiple times because there was an overpayment to XXXX of my loans in XXXX. I called in XXXX, XXXX, and must recently XX/XX/XXXX. They said that customer service isn't aware of the timeline, there is no direct line to the financial department, and someone would reach out to me or the payment would automatically be reapplied to another loan. As of my statement for XX/XX/year> it shows an overpayment of XXXX from my payment of XXXX in XXXX. This shouldn't be an issue as I have XXXX other open loans with them but it looks like I owe on the other loans and they owe me money for loan XXXX. Why is it taking almost XXXX months for that money to be applied if it will not be returned to me?
Product: Credit card or prepaid card

I tried several times to purchase a sofa from XXXX XXXX but could not get customer service to handle my problems properly. When I did successfully purchase a sofa it came with the wrong fabric and flawed pillows. I returned it. A representative gave me a discount towards another sofa but I still had problem with getting accurate information from customer service and inadvertently lost my discount and had to pay an addition {$500.00} for my purchase.

They kept giving me just a little information at a time. I thought they knew how things worked and would provide me accurate information to complete my order. For the same sofa I was billed for 22 yards of fabric then 29 yards which came to more than {$300.00} additional dollars. Each time I called to discuss my purchased the solution was cancel the order, but I lost my 30 % discount had to pay the shipping cost. They would not honor it on my new order which was the solution given to address the problem I was having. If they had let me know the most of the fabric would cost over {$1000.00} I would have kept the order which I got the same sofa with the same fabric less 30 % discount and discount on shipping cost. Instead of paying {$2400.00} I am charged {$3100.00}. I want my discounts returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing the credit bureaus for over a year, they have numerous addresses on my report, i did not live at, XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Ca. XXXX, XXXX XXXX XXXX XXXX Ca. XXXX. I have never worked at XXXX XXXX, and I've never filed, not one, but they are reporting errantly, 2 bankruptcies. Those bankruptcies are not related to me. All these things are EXTREMELY important, i have a XXXX  job, and when i don't list theses things, especially, addresses, in my file, and the Government does there security checks, they think i'm lieing or hiding something, and i have been passed over for promotions twice, recently. I am just a simple man, but can not understand, how this these organizations, have such awesome over power, over our personal, private financial affairs. I have written them repeatedly for over a year, and i'm still writing as of today. Experian and XXXX, have inaccurate information, only XXXX is reporting me without any bankruptcies. Between this and this pandemic, the pressure is unbelieavble, can anyone please help me.
Product: Debt collection

I have an attachment of how much is owed to this debt collector the debt collector is velo law office in XXXX XXXX Michigan I only owe XXXX  and they basically garnished my entire state tax return in the amount of XXXX dollars they are not entitled to my whole entire tax return all I want is for them to send me the money they owe me back
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
XXXX XXXX XXXX XXXXXXXX