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

Equifax uses " financial service '' questions to allow access to your credit report, freeze your report, etc. I don't recognize the answers to the " financial service '' questions and want to talk to an agent who can explain where they get their data. Their " Consumer Care Line '' is a joke. I pushed telephone buttons for ten minutes and was finally told by a robot that I couldn't talk to an agent.

As to past communications with Equifax, they mailed me a verification code to my home address. I entered the code and was sent the '' Welcome to My Equifax '' email of XX/XX/2020 ( attached ). 

When I was still unable to access my account, I tried their " Consumer Care Line '' and was unable to speak to an agent. I then sent them two emails on XX/XX/2020 and XX/XX/2020 ( attached ). They have not responded to either email.
Product: Debt collection

This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is Portfolio Recovery Associates , LLC. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.
Product: Credit reporting or other personal consumer reports

I attempted to open an account with XXXX and I was denied. When I inquired about why I was denied I was not given a reason, even after repeated inquiries. ChexSystems never informed me that they were going to report this information to any consumer reporting agency, and the information they reported was/is not completely accurate per the FCRA. I am a mother who needs bank accounts to receive funds to take care of my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking appropriate legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.
Product: Payday loan, title loan, personal loan, or advance loan

To Whom This May Concern ; The organization known as Affirm uses very unethical and manipulative tactics while they employ very unprofessional individuals as it pertains to their installment loan tactics. This includes their " supervisor '' being verbally abusive, unprofessional, and using threatening language while stating very untrue facts. Allow me to explain : I had called this organization during the week ending XX/XX/XXXX inquring as to why my XXXX XXXX loan had been charged off. After asking for the call to be escalated due to a very rude CSR, I got this Supervisor on the phone whom utilized very condescending and unprofessional verbiage while stating untrue facts stating there were emails sent warning me of an impending charge off ( NEWS FLASH! NEVER WAS SENT ) When i stated that i had previously called and let them know i was struggling, this organization stated not their problem and nothing could be done to help. 

As such, I have emailed the organization thru their website a formal Dispute of Validity as it pertains to their claims as I am permitted to do under FLA Statute 559.72, which deals with 1st party debt collectors such as Affirm. The supervisor thought i was joke and all but came out and said even after i stated i could retain a XXXX bar certified debt collection atty to see what civil remedies I have available due to the blatant harassament of this supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX
Product: Vehicle loan or lease

A two month deferral was granted covering the months of XX/XX/XXXX and XX/XX/XXXX,  billing info currently shows a payment due for XX/XX/XXXX I believe, the correct due date should show XX/XX/XXXX, due to two month deferral. I attempted to double check this info earlier this evening on XX/XX/18, the site showed an error message stating " Currently experiencing technical issues, please try again later ''. This message appears frequently when attempting to log in and it is not an issue with log in ID including password and or user name, it appears there is an ongoing issue with BMWF site when attempting to log in. I mentioned this issue to reps prior, one rep stated the issue happened before with other customers. I do not believe the log in issue has to do with account showing payment due for XX/XX/XXXX rather than correct date of XX/XX/XXXX, it appears to be a separate technical issue. However, the billing should be corrected to show correct due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Credco showed up on my credit report as a hard inquiry. I did not apply for a loan with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX. XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Product: Debt collection

Harvard Collections, reported a negative trade line on my credit report as of XX/XX/XXXX. This is the second time this company has reported this same debt on my report, I had it removed back in XXXX as this isn't a debt I'm aware of, and the company states the original was over 30 years it supposedly be owed. I wasn't even aware that you could collect on a debt over 10 years, but moving forward... The company never sent out debt notice just updated on my credit report as a new collections debt in both incidence. 
The company removed the debt, and now 2 years later it's on my file again as a new paid charge off.as of XX/XX/XXXX in the amount of {$2900.00}. 

I have never made a payment nor been contacted for a payment on this debt. This is impacting my credit which dropped my score due to their negligence, falsifying attempted collections on a debt over 30 years and updating as though this was a new debt owed.
Product: Checking or savings account

I received a loan on XX/XX/XXXX that I needed for debt consolidation. As soon as the money hit my account, they took it from me and called it an adjustment. I needed that money and I understand Im behind but that was money I was going to start making things right. Highway robbery!
Product: Debt collection

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}
Product: Mortgage

I have a mortgage with Ditech Financial. My Escrow account for 2017 is incorrect. I am being charged four times a year for taxes instead of two. My account is showing XXXX amounts of XXXX when there should only be two per year. Ditech is also incorrectly charging me for Earthquake insurance which I do not need and have never needed. I have insurance both through my condo association and XXXX. Ditech has copies of both insurance policies and they are in my record. Both are paid by me and not by Escrow. This is incorrect. I had contacted Ditech and had my escrow analyzed by Ditech at least 4 times in the past month and each time the amount is still incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/2023 XXXX, XXXX, Experian, XXXX XXXX, XXXX Subject : Demand for Immediate Removal of Late Payment Entries Under 15 USC 1681 Section 604 ( 2 ) and 15 USC 1666b To Whom It May Concern, I am writing in my capacity as a consumer, to address inaccuracies in my credit report, specifically regarding late payment entries. This letter serves as a formal request for the immediate removal of these entries, based on my rights under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ).

Per 15 USC 1681, Section 604 ( 2 ), I assert my right to privacy. This section stipulates that a consumer reporting agency can not furnish information about my account without my explicit written permission. The late payment entries on my credit report have been reported without my consent, thereby violating this statute.

Furthermore, under 15 USC 1666b, a creditor is prohibited from treating any payment on a credit card account under an open-end consumer credit plan as a late payment, unless specific conditions are met. These conditions include the requirement that the creditor must have adopted reasonable procedures to ensure that a periodic statement, including the information mandated by section 1637 ( b ) of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. The late payment entries on my report do not adhere to these requirements.

Therefore, I demand the immediate removal of all such late payment entries from my credit report. Failure to comply with this demand will compel me to initiate an arbitration lawsuit. Additionally, for every day that these unlawful entries remain on my report, I will add {$1000.00} to the demand balance as compensation for the damages caused by these inaccuracies.

I expect a response to this letter within 30 days of its receipt, confirming the removal of the inaccurate late payment entries from my credit report. Non- compliance will leave me no option but to seek legal redress for this matter.

Thank you for your prompt attention to this serious issue. I trust that you will act swiftly to correct these inaccuracies. This information will be reported to the ombudsman office state legislature and Atty general office.

All late payments that are reported should be removed immediately upon receipt of this letter. These are the following account that is reporting illegally and will be turned into the state legislature and CFPB and Atty General I have sent notices letting you all know of the illegal credit transactions reporting on my report. 
Therefore I will file suit against all parties involved. 
The following accounts need to be removed immediately from these illegal credit transactions : XXXX XXXX XXXX XXXX XXXXXXXX, closed balance remove this account immediately. 
XXXX XXXX XXXX illegal late payments {$5600.00} account : XXXX XXXX XXXX illegal late payments XXXX
Product: Money transfer, virtual currency, or money service

XXXX money was sent but never received by recipient contacted chase who informed me I needed to contact zelle. Zelle told me they were going to investigate the issue and never got back to me. I was also never informed if the money was transferred or sent to the wrong person by mistake that it was lost and nothing could be done. Now the site specifically asks are you sure this is the recipient the money is to be paid to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM
Product: Debt collection

This is a follow up complaint against Security Credit Services. The previous response was they sold the debt and are no longer involved in the accounts held against me. No matter if they sold the debt, Security Credit Services continues reporting inaccurate and non-compliant accounts that violate the FDCPA and my rights under Congress law. " Closed '' accounts on my credit report is non-compliance to me. These two accounts need to be deleted by Security Credit Services immediately from all credit bureau data bases. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance. More case law of non-compliance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my final goodwill attempt to clear this up. If Security Credit Services can't provide me with a contact bearing my signature showing a contractual obligation to them, they must delete immediately. If this issue isn't cleared up in 30 days, my lawyer and I will see them in court to collect for violations against the FDCPA.
Product: Debt collection

Genesis Credit Management continues to call me regarding a debt that I have disputed and do not owe. I have sent them certified letters disputing the debt and subsequent letters telling them to stop contacting me. They continue to call after XXXX and at times as early as XXXX or XXXX.
Product: Checking or savings account

I went to the ATM ( US BANK ) at the US Bank location at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I inserted my ATM card and said I wanted to Deposit cash. I deposited a {$50.00} bill, XXXX  {$10.00} bill and XXXX  {$20.00} bills. I got an error that stated " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items '' I waited at the ATM until the screen went back to scan your card. I went inside the bank and spoke with XXXX XXXX. She told me that she would call the ATM provider this morning XXXX-19 and call me. I did not hear back from her. I left 2 messages. I called customer service and they sent me back to the bank. I asked for XXXX and also asked for the Branch Manager. No assistance. Very frustrated! They have my {$500.00} and I am told that I might not have that money for 10-12 days. This is totally not ok. What regulations are they required to comply. How can this happen???
Product: Mortgage

I have been attempting to pay off my house mortgage. For the last year I have paid large amounts of money payments toward the principal. If I missed a month I was assessed a late fee even though I was well ahead of scheduled pay off. On XXXX XXXX, 2016 I submitted a payment that covered all the money owed on the statement. XXXX XXXX, 2016 I received a statement stated I had a XXXX Balance, XXXX XXXX, 2016 I received a statement statin I owed {$140.00} and that I needed to wire the money. The XXXX XXXX, 2016 I received stated I now owed {$390.00} which included {$13.00} for a county recording fee which I understand. 
When I called customer service I could not understand the representative and asked for one that spoke English. The second representive 's English was just a bit better. When I ask her why the amount owed had risen so much she had an off line conversation and got back to 15 minutes later saying " INTEREST ''. My response was {$170.00} interest on a statement that said {$140.00} five days before. " YES INTEREST '' I requested to talk with a different Representative that could explain the bill. I received XXXX who found some issues and concluded the bill was {$170.00} today. I asked him if he would accept a check and he said yes but that it would cost me an additional {$20.00} because it was not with the same back and that I would need a little extra because the bank would hold it for 10 days. XXXX did an excellent job. 
My complaints : That the customer service personnel were not trained " INTREST '' is not an explanation as an answer. 
With the difficulty in the language barrier, I believe the Bank was hoping I would pay the additional amount instead of challenging it. 
The late fees and necessity of charging me {$20.00} for writing a check from another bank. 
After paying XXXX dollars of interest why is it necessary to make closing so hard? 
When I was force to retire 8 years early because of a loss of job this bank was the ONLY bank that would not work with me on my home mortgage and Credit Card debt.
Product: Mortgage

I have submitted over 20 modification applications to XXXX XXXX in the past 3 years. I was denied or told I was missing a page. I would resend the page and then I was informed I was missing another page. They refused to modify until recently. When they modified they doubled my payment from XXXX to XXXX and it is unaffordable. I am will to sell my home and need permission from them in writing. They have foreclosed and the final judgement is XXXX. They claim I owe XXXX XXXX more. I have a buyer for my home and need permission from them in writing that I am able to sell. I can not pay this excessive modification and they are setting me up to fail. I wanted to keep my home through modification but based on the payment they have formulated it is unaffordable. I am a 10 month employee not 12 months. I don't believe this was taken into consideration. I would like to be re- reviewed for a modification at an affordable interest rate with a payment closer to my original payment. The reason we fell behind was due to my husband getting sick with XXXX, and an XXXX XXXX  which caused him to go on permanent XXXX. We lost a 2nd income and I was forced to take a pension loan in which my payments are extremely excessive at XXXX per month which decreases my net salary.
Product: Mortgage

On XX/XX/XXXX I submitted an appraisal stating the value of my home is currently {$480000.00}, with the current mortgage balance of XXXX {$330000.00}. My lender SLS mortgage ( aka XXXX  or specialized loan services ) has received the appraisal but refuse to acknowledge it and remove PMI. I have called multiple times including today XX/XX/XXXX but they give me different answers every time I call. One told me that we will receive a letter with a decision, and then Ill call again and theyll say I need to wait for the letter again, then the next person will say I need to fax an appraisal, next Ill be told it must be mailed to their PO Box XXXX another told me they only accept appraisals ordered from their contracted appraisal team. They repeatedly hang up on me and never have the same story of why I am still paying PMI. Im paying them nearly {$400.00} a month of PMI when it shouldve been removed. 


The Homeowners Protection Act of XXXX Requires lenders to have defined procedures, but they obviously do not.
Product: Checking or savings account

I opened a checking and savings account in XX/XX/2018 that had a {$400.00} promotional offer if I kept {$15000.00} in my accounts for 60 days. The money was deposited on XX/XX/2018 and I should have received the bonus in 90 days when the terms was met on XX/XX/2018. It has been past the 90 days and I have yet to receive my promotional offer. I filed an appeal XX/XX/2018 and it still has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XX/XX/XXXX0f XX/XX/XXXX I set up a payment plan with XXXX XXXX credit card services. I was put on a payment plan of {$160.00} a month to pay back balancedI owed. Every month from XXXX to present day I have made my scheduled payments. In XX/XX/XXXX of XX/XX/XXXXI I check my credit report as usual and found that my score had dropped XXXX points because XXXX reported I late paying {$360.00} that I never was aware I had to pay since I had been paying the {$160.00} every month. I was never notified that I was late or owned more that the agreed amount. I disputed it with Experian and was told after investigation the could not give me any information and said I had to reach out to XXXX to discuss what proof they provided to confirm that I was late on payment. I provided Experian with proof of payment history. After a second dispute the credit report was unchanged and they have recent payments listed at {$0.00} but my balance is around {$2000.00} less than it was in XXXX. I never was asked to pay {$360.00} when I called in to make payments and never received any notices that I was also behind. Experian also had my account closed as of XXXX and it was closed in XXXX per XXXX in order to establish payment agreement.
Product: Credit card or prepaid card

I attempted to open a RUNNINGS master card account on Thursday, XX/XX/2023 at XXXX XXXX per the store 's ( XXXX  ) sales promotion. 
The sales clerk applied for the card at the time and point of purchase per their standard procedure. 
The bank ( XXXX XXXX XXXX XXXX XXXX ) denied the application at that time. 
I contacted the bank directly, by phone. 
The bank would not provide any information on the phone pertaining to the denial. 
The bank mailed a denial response letter to me ( XX/XX/2023 ), ( ref # XXXX XXXX XXXX XXXX XXXX ) The denial letter listed several possible reasons for the denial. 
I contacted " credit services '' at the bank, inquiring about the specific reason for denial. 
The bank would not give me a reason for the denial The bank listed my credit score at that time as " XXXX '' ( excellent ). 
I believe that the bank has made an error in their denial. 
The denial of this credit card resulted in financial harm to me, as the promotion associated with the acquisition of the card was not available to me.
Product: Checking or savings account

[ Link : https : XXXX ] I've come across this report which lists AFCU as number XXXX in terms of assets and indicates that they don't charge NSF fees XXXX 

However, according to point # XXXX at the bottom of the page, the total revenue from Overdraft/NSF fees XXXX XXXX XXXX. If Overdraft and NSF Fees are synonymous, then the claim that AFCU doesn't charge these fees seems contradictory. To add to this, my account was charged with insufficient fund fees twice just in the past month. While we do have an overdraft protection account, fees still get assessed if we lack adequate credit in that account. 

Could someone please provide clarification on this matter? 

Thank you, A long-time AFCU customer.