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

EQUIFAX is continuously reporting inaccurate information to my consumer report, they have taken a vital role in myself and my childrens lives. They are practicing identity theft since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS EQUIFAX 'S AUTHORTY? This companies have willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a response from a past complaint showing that Equifax did not reinvestigate after I provided information that this account was sold to another lender, how did they not know this information BEFORE ME and play such an important role in my life? This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage. I expect this false information to be removed from my report IMMEDIATLY this is ABUSE. Who is XXXX XXXX? WHERE IS A CONTRACT BETWEEN MYSELF & XXXXXXXX XXXX? I have never heard of this company why is EQUIFAX allowing this?
Product: Checking or savings account

On XX/XX/XXXX I reached out to file a dispute for credit repair services I paid for on XX/XX/XXXX and had not received. I spoke with XXXX representatives on that day. XXXX XXXX advised he could not locate the transaction and suggested I contact my bank. I reached out to the bank who advised me to contact Paypal for the dispute. I called back and rep XXXX took the time to actually research to locate the charge and filed the claim. After weeks of no communication from PayPal I reached back out to follow up. I spoke with multiple representatives who advised that no claim had been filed. So I requested a supervisor review the calls to verify I was told a claim was being filed and it was within the 180 day time frame. The supervisor only listened to the XXXX call and concluded no claim was filed. After being advised the supervisor did not thoroughly review all the calls I requested a supervisor callback. On approximately XX/XX/XXXX I received a call from XXXX who advised she would listen to all calls and give me a callback. On XX/XX/XXXX XXXX returned my call and confirmed the information I had shared was correct and she was able to locate the claim. She advised the claim had been filed on my secondary Paypal account and no one ever advised I was calling on the wrong account. She sent the claim for an appeal and advised me to upload the conversation with the seller. Immediately after uploading the documents the claim was denied. Stating it was not cover under the protection plan due to it being filed outside of the 180 days which was false. The claim was filed 4 days prior to reaching the 180 day time frame. I reached back out spoke with another supervisor who advised they would escalate the claim to have it reviewed again on XX/XX/XXXX. Immediately I received a denial stating it exceeded the 180 day time frame. Reached back out on XX/XX/XXXX and spoke with supervisor XXXX who refused to escalate the claim for proper adjudication and ensure that I do not receive another automated denial. I hung up with XXXX called back and spoke with XXXX who reviewed the case, confirmed everything had been done correctly. He advised he was escalating the case again and noting for someone to manually review the claim and finalize it correctly. Currently awaiting a response.
Product: Mortgage

I am delinquent on my mortgage payments with TD Bank. I have applied for a loan modification which was approved. My loan payments were in the vincinity of XXXX per month and the modification bought it down to XXXX. I was very happy knowing that I was in the process of a divorce, severely limited in my finances and knew that the new payment would allow me to keep up to date on the mortgage. NO WHERE in the papers that were notarized and signed was a mention of any other amount other than the {$910.00}. I showed the papers to my divorce attorney, my close friends ... .everyone said that they only can see that TD Bank has approved XXXX. I sent the paperwork and waited for the check to clear for about a week. No check and no message from TD so I called and spoke to the person named on the form, XXXX XXXX. She told me that - no, my check was n't received, nor were the papers that were notarized and furthermore, my XXXX check was n't enough. My payment was actually higher - I do n't remember the exact amount but it was approximately {$1400.00}. When I complained and said the paperwork states a different amount she told me that there is escrow to be paid. I told her that no one told me the amount would be more and that there is a paragraph in their paperwork that states the amount of {$910.00} would be my monthly payment for the life of the loan. Her answer to me was that the amount was reduced from the original and I should be happy with that. What XXXX XXXX does n't realize is that {$500.00} more a month is not what I can pay. I called the following day and spoke to another rep, XXXX XXXX who was not only helpful but compassionate. He saw that the check was deposited and the paperwork received - the previous week. He looked through the paperwork and said he thought it was odd that I was told XXXX but the paperwork states XXXX. He told me to wait a week and possibly the correct info would be updated in their system. I called a week later and spoke to XXXX. She told me that the did see the higher amount and that all she can offer is for me to send a letter to the escrow department asked for the money to be spread out over a certain amount of months. I told her that first of all - no one contacted me from TD to tell me about this new amount and I am hesitant to sign anything further because this is fraudulent business practice. We get lured in with XXXX amount and then the next day ... oops, wrong amount ... it 's really higher. This is ridiculous! How can this bank do this to customers who are already in a vulnerable position and TD takes advantage knowing they are uninformed and worried about losing everything they own. And then to have their employees not have the answers to give to customers. I asked XXXX if this is their practice - to not disclose the correct amount and she told me she did n't know that answer. Somebody in TD has to be made accountable for misleading consumers in this way.
Product: Student loan

My initial student loan was financed by Navient in 1995. Since then I was approved for student loan forgiveness and the loan through Navient was paid in full and transferred to XXXX. Navient sent me a document thanking me for my business and documented that that loan is paid in full with a XXXX balance and paid as agreed, I have that document. At current Navient is reporting a late payment from back in 1995? That makes that unethical reporting 21 years ago? Please help me as I am actively attempting to rebuild my credit.
Product: Credit card

Took my son 's car into XXXX XXXX XXXX XXXX XXXX XXXX XXXX location on XX/XX/year>. It needed a new alternator. They replaced the alternator with a cheap part. We paid {$810.00} and drove away. XXXX hours later the warning light came back on. We took it back to them and they " ran diagnostics '' and declared that we needed to take the car to XXXX to get the XXXX replaced ( electronic control module ). 

I took the car to XXXX XXXX that day. They put a new, better quality alternator on and charged a little over {$600.00}. It has worked perfectly since. 

American Express, despite having all the documentation is refusing to reverse the charge, stating that XXXX XXXX XXXX says I paid for the service, which I did- i ca n't drive my car away without paying.
Product: Debt collection

On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with Bright Lending. I have never ever done business with Bright Lending or XXXX for that matter. 

I have emailed XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
Product: Credit reporting

This complaint is linked with XXXX. I am further disputing as TransUnion stated in their official response that the XXXX XXXX XXXX, XXXX XXXX XXXX was never removed from my credit report. Attached is a screen shot from XXXX XXXX that shows that this account was deleted TWICE under my " removed collections '' section. These were deleted on XXXX XXXX 2016 AND again on XXXX XXXX 2016. TransUnion has been untruthful in their response to my complaint. Again, this is in violation of the FCRA as this account was removed and added without giving me notice. I want this account deleted from my Trans Union credit report As Soon As Possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX mortgage made a mistake on the credit report and placed two hard inquires on our credit reports and Transunion will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than XXXX points. 


XXXX XXXX  from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.
Product: Credit reporting

Called XXXX XXXX numerous times regarding incorrect reporting on credit reports. On XXXX XXXX 2016 XXXX XXXX accepted a payment proposal and enrolled my account in the XXXX XXXX agreeing to lower my interest rate, wave any past due, over-limit, and membership fees. My account was reported 30 days past due for XXXX 2016 and XXXX 2016. This is inaccurate. I called in XXXX to ensure that this issue was corrected. XXXX XXXX stated that it took XXXX billing cycles to correct the issue of not properly enrolling me in the program as agreed in addition to honoring the proposal that they agreed to in writing dated XXXX XXXX 2016. XXXX XXXX accepted proposals on both of my active credit cards with this company. The second credit card ending in XXXX did not have any issues however, the card ending in XXXX has been an issue that XXXX XXXX unfairly refuses to correct. For years I have been a customer paying my accounts and maintaining a good credit standing. XXXX XXXX XXXX company has made timely payments on behalf since XXXX XXXX agreed to the proposal. I have made additional payments on this account in addition to the monthly reoccurring payment. On XXXX XXXX 2016, approx. XXXX XXXX, I called XXXX XXXX and spoke with a representative by the name of XXXX. XXXX informed me that my account ending in XXXX was still showing pending of enrollment into the Workout program due to reoccurring system issues. She stated that someone should have informed me that I was to make double payments, payments submitted by XXXX XXXX XXXX Company and additional payments on my own to satisfy full payments until the system issue corrects itself. This did not make any sense to me. I would like to reiterate, XXXX XXXX accepted XXXX proposals for XXXX of my credit cards. The credit card proposal for account ending in XXXX was accepted and approved on XXXX XXXX 2016, this is the inaccurate account and the account that XXXX XXXX can not seem to correct. On XXXX XXXX 2016, my credit card ending in XXXX was accepted and approved with no issues. XXXX enrolled my account ending in XXXX into a XXXX Program to help suppress the late fees that XXXX XXXX placed on my account. XXXX state that I would need to write a letter to XXXX XXXX requesting removal of the 30 day late notices, XXXX in XXXX 2016 and XXXX in XXXX 2016 from the XXXX major credit bureaus. I wrote a letter dated XXXX XXXX 2016 to XXXX XXXX with this request. In a letter dated XXXX XXXX 2016 XXXX XXXX refused to correct my credit status. The letter states " we are unable to change our reporting on a courtesy basis. Also, we have placed a disagreement code with a resolution of dispute on your credit file to the major credit reporting agencies. '
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I was scammed on cash app for XXXX dollars. I XXXX the number for Cash App and call the number the lady stated her name was XXXX answered and stated that I have been in a security breach and my information including bank information debit card information has been compromised. I was asked to download XXXX XXXX on my phone once the app was downloaded. The call was disconnected and I was called from a different number. The lady stated that her name was XXXX and she would be assisting me with, removing the security breach from my phone, she asked me to open up my bank account information there she retrieved my Social Security number. She had me too upload my daughters debit card to my cash app and move {$500.00} from her account on XXXX which is under my XXXX account to my cash app once the money was moved to my cash app she then had me to send the {$500.00} to XXXX XXXX After that was done she had me to send the XXXX to XXXX once in XXXX she had me to use my passport to verify identity once I verified identity. She removed the money from XXXX. I was given a long code to place in the XXXX XXXX send money section. The numbers that I called were XXXX the number she called back after XXXX XXXX was downloaded was XXXX. In total there was XXXX dollars I didnt authorize taken from cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have submitted several fraud claims which keep getting denied where someone has taken funds from my account. Its been going on for 2 yrs now n still can't get my money back
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Applied for a HELOC with Bank Of America on or before XX/XX/XXXX. My credit was pulled and impacted on XX/XX/XXXX. I was called by a BOA rep to discuss my application the week of XX/XX/XXXX and was told I would receive a call back to order a valuation within a few days. No one ever called so I called back and again was told someone would be reaching out to me shortly. I waited a few days and went into the XXXX branch as was told no one there could help me and that I had to call the HELOC line. I then called back again and for the 1st time, was told that it would take 11 weeks to have my application reviewed. I went back to the XXXX branch to speak with a manager ( XXXX XXXX ) who said he would have to call me back after researching. He called me today to explain that due to staffing, the wait time is 11 weeks. 1. They pulled my credit prior to explaining the timelines and this had adverse impact to my score as well as taking away an opportunity to go elsewhere with my credit request. 2. From the attachment provided from my BOA application website, it shows ( And always has shown ) that only one item is needed for a credit decision. A reasonable person could assume that, based on my preferred status/relationship with the bank, the amount of money I have in deposit accounts with the bank and my excellent credit score, the information on the website is true and we are only waiting on a valuation that they have yet to order. If so, they will be in violation of my ECOA rights because I will not have a credit decision with- in 30days from application. This has been a horrible customer experience and I feel I was trapped into completing an application with Bank of America. I do not want multiple inquires on my credit and would have not completed an application with Bank Of America if they would have proactively informed me of their 11 week turn around time to just get a representative assigned. I have tried to work with Bank Of America on a resolution but it seems like they care more about tracking the complaint rather than assisting with a resolution. I was called back just to be provided with BOA Complaint intake case # XXXX, but with no further assistance as again, someone else will need to call me back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XX/XX/year> XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX Customer Service personal, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed incorrect entries related to my name and address. Please find the details below : Incorrect Name ( s ) : all the names that are not the name that appears on my ID Correct Name : XXXX XXXX 3 Incorrect Address ( es ) : all addresses that are not XXXX XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX  dc XXXX I am requesting that these inaccuracies be investigated and corrected. Enclosed are copies of my ID, proof of address, and any additional documentation that verifies my identity and address. 

Thank you for your prompt attention to this matter. Please update my credit report and provide written confirmation of these corrections. Feel free to contact me if you need further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit card or prepaid card

around XXXX of XXXX i had submiteted a request for a replacement card through chat since my account wouldnt give me an option for a replacement card and only gave me an option to deactivate it and replace it under a new account number which isnt necessary. followed up abput a month later through chat that i never got it and was told it would be 666 mins before someone would get back to me through chat. noone ever responded. citi falsely claimed in a recent cfpb complaint against them that their unaware of any requests, however my account disputes that with the chat history. recently went back in the chat history and noticed they did give a reason why they couldn't send it which was sent on the XXXX of XXXX. they claim they couldn't send it because of a discrepancy with a phone number which makes no logical sense to me because citi has sent replacement cards in the past and so has others. a phone number is not a valid indication if your legitimate in who you say you are.