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

First of all, I've now opened up over XXXX CFPB complaints against Equifax. The CFPB really needs to take action because Equifax, being the WORST of the XXXX credit bureaus, has messed up significantly for years. They didn't even answer one of my CFPB complaints nor have their associates remove private information from their emails ( copies of my passport, military ID, SSN card, drivers license, policeXXXX FTC reports, etc. ). They've dragged their feet repeatedly and failed to respond to my requests appropriately ( and actually lied in writing to me and the CFPB ) and have done nothing. Why isn't the CFPB taking action against them? They removed inaccurate items from my credit report finally this week, but have also removed ACCURATE items from my credit report. One of which being my XXXX credit card that was issued in XXXX. XXXX has reported it since XXXX and my score is almost at XXXX with them. It's at a sub-par XXXX or so at Equifax because they took off this XXXX credit card that has been repeatedly asked to be added back on for almost 4 years now by both Equifax and XXXX. Yet they failed to do so. They also removed my XXXX card I had since XXXX that was closed in XX/XX/XXXX in which I was an authorized user and significantly boosted my credit. They had no right to do this. 

Also, XXXX removed the XXXX card as well ( but everything else on the report looks accurate ) so my credit score is XXXX or so with them as well when it should be almost XXXX had there been proper reporting. Asking XXXX, Equifax, and XXXX to add card back appropriately as it is showing on my XXXX account. Attaching screenshot for reference.
Product: Credit card or prepaid card

This is the complaint I sent after 3 months trying to resolve with Chase : Cardmember Services Chase CC XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I have been a Cardmember for years, paying thousands in interest into Chase,  and recently, back in XXXX, I paid my card off completely, trying to improve my credit score. I paid something over {$1700.00} at the time. {$0.00} balance. I had not been looking at statements for some time, mostly lazy. With a XXXX balance I noticed that I was being charged by two companies for nearly two years, roughly XXXX 2015 timeframe, after I closed my accounts with them ; XXXX and XXXX. Heck, Ive been married now for over a year and a half. I submitted an inquiry through your secure email system and was told I would not have to make any payments while disputed. A few weeks ago, I saw my credit score and it actually went up, and I had a late payment due on my Chase card. I am very surprised that such an organization is capable of such a thing. I just paid {$130.00} on my {$0.00} balance card so that Chase would not further damage my credit. That sounds kind of wrong doesnt it? Let me say that again : I paid {$130.00} on my {$0.00} balance card. Criminal in my mind. I am requesting the following : 1. reimbursement of the {$130.00} I just paid, which includes late fees and interest charged on a {$0.00} balance account, a practice I also consider criminal 2. discontinuance of any payments to XXXX or XXXX 3. I want letters sent to the three credit reporting agencies clearing this recent blemish created by Chase 4. I would like a letter of apology for the unnecessary grief caused by an uncaring mega bank I am a 25 year XXXX XXXX XXXX, and a veteran of XXXX tours to XXXX, and dont appreciate being treated this way. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XXXX Amount {$220.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution.

I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. 

This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference.

I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation.

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account.

Provide a detailed explanation for the failure to remove the charge-off despite previous assurances.

Take immediate steps to rectify the charge-off and update my credit report accordingly.

Provide confirmation of the resolution in writing, including the expected timeframe for completion.

I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer.

I trust that your commitment to customer satisfaction and ethical business practices will prevail, and I look forward to a swift resolution to this matter. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.
Product: Debt collection

I XXXX XXXX currently am not working. I do have additional insurance I can use to pay the balance of this bill. I have NJ XXXX XXXX XXXX ID XXXX. I also have a health benefits ID card : XXXX # XXXX.
Product: Debt collection

Southwest recovery services has been sending letters and emails claiming that I owe them {$7700.00}. I don't owe them a dime. I have sent them letters demanding that they validate the debt and they have failed to do so. They are continuing to report this false debt the credit agencies after I have asked them not to.
Product: Debt collection

XXXX XXXX Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted XXXX concerning this issue and they refuse to talk to me directly nor rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with Experian which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX XXXX  {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX {$570.00} and XXXX/XXXX and XXXX XXXX  {$330.00} these all resulted in fraud account due to Experian data breach and i have disputed many times every year for the last few years and Experian has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

COMPANY : SHELLPOINT/ACCT # XXXX On XX/XX/XXXX Shellpoint sent me letters stating that my flood insurance is inadequate, I called the company and told them they were in error and I also called my insurance agent Ms XXXX XXXX of XXXX XXXX phone # XXXX. I instructed her to provide Shellpoint with the necessary proof of insurance coverage since XXXX to present and she did. 

on XX/XX/XXXX. XXXX I received a letter from shellpoint thanking me for providing acceptable policy for the referenced property. The also said and I quote " The policy you have submitted will replace the previous insurance information we have on record ''. 

On XX/XX/XXXX I receive another letter stating the same as in their XX/XX/XXXX letter. On XX/XX/XXXX I again had my Insurance agent re-send my insurance documents as I did in XXXX. 

I have since gotten letters XX/XX/XXXX and XX/XX/XXXX and XXXX stating erroneous claims that my hazard insurance has expired and that I do not have adequate flood insurance. 

I have spoken to Ms XXXX, Supervisor who work for shellpoint ON XX/XX/XXXX and request that Shellpoint cease and desist sending me these harassing erroneous letters. I also requested that they not place a lender placed flood insurance policy on my loan as that would be fraudulent. 

Shellppont IS BEING RAPACIOUS AND PREDATORY! and is sending harassing erroneous insurance claims to us. 

Please assist with stopping this harassment. Thank you Sincerely XXXX XXXX
Product: Credit card

I woke up this morning to a notification my XXXX kid account was unlinked. So I went to cashapp to see account was closed and it said email was sent. I do not have a email in regards to this matter. I am file a dispute and is upset. I have had my account for over 5 years and never did anything illegal nor filed any disputes. My account is typically used to send my kids money who are in XXXX  and my.XXXX boy when he travel with other people. I receive money for this reason as well when others kids come with me after game day or I have to pick up items for our games. I pay my beautician and yard man as well. I feel discriminate ld against and feel they violated many laws by closing without any proper notice.
Product: Checking or savings account

To whom it may concern,Citi of XXXX XXXX, NY found at online.citi.com mistakenly withheld federal tax on my personal savings account ending in ....XXXX for the amount of XXXX on XX/XX/2019.  They have neither reimbursed me nor issued a provisional credit and are in violating my rights afforded to me under Regulation E.  Initially I thought that maybe there was a new rule or requirement that they do so but that was not occurring on other accounts with other financial institutions.  I decided to inquiry to understand what that may have occurred.  On approximately XX/XX/2019 I reached out to them via in app messaging.  I was connected to "XXXX" at XXXX.  XXXX  told me that withholding tax takes place on accounts that are not W9 certified.  When I started asking questions they realized that "this is bank's error and we are now in the process of fixing it."  On XX/XX/2019 my monthly interest payment was applied to my account but the withholding still was not corrected.  I contacted them again on XX/XX/2019 via the in-app messaging and was connected to "XXXX" at approximately XXXX.  Jo said they were aware and I "may" get the money back by end of year.  I asked for clarification and was told they "are working on it" and have no firm date.  It seems apparent that they have resolved the issue which causes the system to withhold future tax as it did not occur in XX/XX/XXXXbut they have not made the customer, me, whole.It is my belief that they performed an electronic funds transfer in the form of a withdrawal from my account without my consent and in error.  Pursuant to Regulation E they have 10 days to resolve or issue me a provisional credit.  As they have identified the error they are required to fix it within 1 business day.  None of these actions were taken therefore I am filing a complaint of Regulation E violation.Thank you,XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FRAUDULENTLY. I WOULD LIKE THESE ACCOUNTS TO BE REMOVED FROM MY FILE
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding a dispute I have raised with Equifax concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my Equifax credit report : 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 XXXX XXXX I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted Equifax to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, Equifax has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that Equifax promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

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

I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a 100 % disabled veteran and I applied to have my student loans forgiven. The process took sometime and I continued to pay my loans on time as always. When the forgiveness was granted they backed dated it to when I was granted my disability and returned payments to me. When this happened the credit bureaus updated my payments as more than 120 days late. I contacted fed loan servicing and they advised me in there system they dont show me as delinquent or late instead they show me as paid and closed. I disputed this issue with the bureaus and it hasnt been fixed. Its disrupting my great credit and payment history and I have already been denied a few occasions with the reason being serious delinquency. Please fix these as soon as possible it is really affecting my life and wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX  XXXX {$1800.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX XXXX {$3700.00} DPT ED/XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX   XXXX {$660.00}
Product: Debt collection

Midland funding keeps attempting to collect a old debt from me and I never had credit with them.
Product: Checking or savings account

I have had accounts with Wells Fargo for over thirty years, both business and personal. When I deposit checks for my business I do it by phone and sometime they deposit the whole amount, other times the deposit a portion for immediate use and the rest goes into my account the next day. 
Recently I lost a friend a Brother, ( we both are XXXX Vets. ) he left me a something. I went to deposit it into my existing saving account and got talked into taking my old account and making it a XXXX XXXX so it would create more interest. We, ( the banker and I ) deposited into the newly revamped savings and it deposited a small amount in my account and I was notified that the rest would be posted the next day. 
The next day I received a notice that the deposit was on hold for ten days. 
When I inquired why, no one could give me a straight answer. They said there was something wrong with the signature. The Executor of the estate and the Trustee of the trust went to bank that the funds were issued by and the bank told me the check cleared the day I deposited it. They said if something is holding it up it would be Wells Fargo. Wells Fargo will not budge. They have my money but they will not post it. 
So Wells Fargo is taking a ten day float with my money, even though they have the money from the other bank, ( and it is a large amount of money! ) It is an amount that they insisted I put it in a XXXX account. 
Wells Fargo are crooks. After thirty years with them I am done. I have no banker to watch my back. They are using my money for their bottom line. I will never trust Wells Fargo again.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report civil liability negligence. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt.
Product: Credit card or prepaid card

I have submitted invoices to Citibank and filed complaint with XXXX to which the vendor claims they will not work with me. Citibank will not talk to me when I call which makes filing disputes incredibly difficult. I have paid over {$12000.00} to a merchant that has not fixed my diesel truck. It will not crank again after running less than 5 minutes. On the day I picked it up after driving it 70 miles it had to sit an hour before it would crank back up. This is after the mechanic had the truck for over a week. Citibank is not properly following through on documentation being sent to them. As a result, instead of working to resolve my dispute in my favor they are doing very little despite the annual fee of {$490.00} that I pay them.
Product: Credit card or prepaid card

I would like to report American Express for charging excessive fees on my account. 

I was enrolled in XXXX and charged a {$14.00} monthly fee. In XX/XX/2018 I missed a payment while traveling for work and American Express charged me a {$38.00} late fee ( more than double the balance on the credit card ). I continued traveling for work and missed additional monthly payments. 

This continued until XX/XX/2018 upon which I called American Express to cancel my credit card. During the call American Express didn't share with me that I would continue to be charged even after canceling the card. So XXXX continued to charge me $ XXXX/ month and I thought I had canceled the card so didn't think to look for the bill. So Amex continued charging me late fees. In total I was charged {$260.00} on {$100.00} over 7 months. 

It seems unfair that Amex would charge me more than my balance and knowingly keep charging me without explaining how to stop the cycle. Clearly not looking out for the consumer. 

This has since affected my credit score and likely my ability to get a good rate on a mortgage. 

I attached
Product: Vehicle loan or lease

I paid off my auto loan payment on XX/XX/XXXX. I requested a loan payoff online on Mercedes Benz Financial Services ( mbfs.com ) and payed the entire amount indicated. The website said the title would be sent out. I waited patiently for the title to be mailed and followed up the week of XX/XX/XXXX after not having received it. I called XXXX XXXX and they said that they would expedite it. I received a call today XX/XX/XXXX that there was a misallocation of funds to my auto account in XXXX of XXXX. I asked the representative why was I not made aware of this in XXXX of XXXX, particularly in writing. She claimed that the customer just recently called about it. How coincidental that once I pay off my vehicle, I am now encountering an issue with my account. I understand that mistakes can be made because we are human, but to not notify me in a timely fashion. This does not add up for me. I am not seeing any data that shows a misallocation of funds in XXXX. I see 2 reallocation line items in XX/XX/XXXX that cancelled out each other and another in XX/XX/XXXX but is not cancelled out. I feel that this is another XXXX XXXX move and that I am likely not the only one experiencing this and Mercedes Benz Financial Service needs to be held to a higher standard.
Product: Debt collection

On my credit report there is an account in the amount of {$2400.00} from a school I attended. I did not recognize the balance on my credit report, because I know that I received student loans and grants for my tuition and school costs. I did not have to pay anything out of pocket. I proceeded to request from the collection agency a copy of proof of the debt with my signature to show my responsibility for the debt. Initially this debt was disputed XXXX, again in XXXX, and again in XXXX, due to receiving dispute results from the collection agency stating that the debt the company has verified that the balance is correct, and the account is being reported correct. I am sorry, but that is not what I asked of them, and it definitely is not providing me with the proof of the debt. I finally decided to dispute the debt directly with the collection agency by mail, and they sent me a letter on their letterhead showing the school 's name, account number, and the account balance. Again, this is not the proof I requested because I did not enter in any agreements with this agency, and I have no knowledge or dealings with them. I did not owe this school anything, and I feel that this is negatively impacting my credit score, and I am trying to resolve the matter in a timely manner.