23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I realized my bank account had been compromised with several dozen fraudulent transactions that were approved for timeline of XXXX weeks. I realized this upon logging into my online banking, not by an alert from bank. I opened up claim online through app, which immediately caused my account to be locked and debit card replaced. 
Claim number : XXXX Was initiated that day and I included the amount for over {$3000.00} dollars. It was only auto approved for {$44.00} dollars a week later. Upon calling Truist to follow up on XX/XX/XXXX since I had not received additional information, I was told that when you do claims through app that happens where all charges are not submitted. Also on this call the representative offered to redo claim. I allowed and went through each charge as listed. The second claim number : XXXX was opened on that day. Fast forward where I still have not received communication back, I called again on XX/XX/XXXX. On this day I spoke to another representative that stated the claim was denied due to me stating that I had never used the merchant before. Which is completely false, in fact the representative never asked me that question, I encouraged the rep to even open up an investigation on the recording as I know I wouldnt have stated that. The unauthorized charges came from XXXX and days before I had several authorized charges from them due to a family trip that was done completely by me. Further explaining this to representative, she stated she could send it up to be reviewed again with the information that the merchant is XXXX I use. Today XX/XX/XXXX again not hearing any communication back, I call to be given that the claim is still denied based on a question I was never asked. On charges I never authorized. From a bank that allowed duplicate charges and over a span of a week for my account to be depleted during a time of need. I am highly disappointed as I have been a Truist/BB & T member for over 10 years and never had any sort of fraud ever. The one time I do my banking institution is failing at addressing or doing a investigation. They havent stated that they found charges came from me at all, simply that because one representative put a no where it should have been a yes, that I am now at a loss of XXXX dollars I never spent. I do not recommend Truist for any serious financial dealings at it is clear they dont care when you are a victim to a scammer. I will be closing all XXXX of my Truist accounts in next several weeks to ensure that my bank institution is SECURE.
Product: Credit card

A LITTLE OVER A YEAR AGO ON XXXX XXXX, 2014 I NOTICED A CHARGE I DID N'T KNOW WHERE IT WAS TO SO I CALLED ( XXXX ) & ASKED THEM WHY HAD THEY BEEN CHARGING ME THEY ASKED MY INFO THE LAST XXXX OF CARD CHARGED I TOLD THEM THEY COULD N'T FIND ANYTHING THEY SAID SEND A PRINT OUT OF CHARGES & THEY WOULD RETURN MY MONEY.. SO I CALLED MY DEBIT CARD PEOPLE ( DIRECT EXPRESS M.C. ) & THEY SAID THEY DO N'T SEND COPIES & TOLD ME TO CLOSE THAT ACCOUNT & THEY 'D SEND ME ANOTHER.. SO I DID THAT & ASKED THEM TO INVESTIGATE A LONG WHILE LATER THEY SAID THEY INVESTIGATED & SAID NO FRAUD COMMITTED. I ARGUED ABOUT IT & THEY HAVE NOTHING ELSE TO SAY ABOUT IT.. ON XX/XX/2014 {$1.00}, oN XXXX XXXX, {$29.00}, XXXX XXXX {$29.00}, XXXX XXXX {$29.00} ON XXXX XXXX {$29.00} & ON XXXX XXXX 2014 ANOTHER {$29.00} WAS TAKEN OUT. I HAVE BAD XXXX & I DO N'T NEED TO HAVE MY CREDIT MONITORED SO TO GET XXXX SERVICES I WOULD NEVER DO. & IF USDIRECTEXPRESS DEBIT CARD WOULD HAVE REALLY INVESTIGATED THEY WOULD HAVE GOTTEN THE REAL.. SO CAN SOME ONE PLEASE GET MY MONEY BACK. A TOTAL OF {$150.00} + THE COST OF A NEW CARD $ XXXX= {$160.00} PLEASE. I 'M ON SSI I 'M XXXX & I CA N'T AFFORD TO BE ROBBED. I 'M ALREADY STRUGGLING AS IT IS. I CONTACTED XXXX ABOUT THIS & THEY WERE OF NO HELP. ONLY TO BAD REVIEW THE COMPANY. I JUST FOUND OUT ABOUT HERE.. SO ANY HELP WILL BE APPRECIATED. THANK YOU
Product: Debt collection

I have been getting calls from this company - diversified adjustment services inc for quite a while. Potentially over a year, but I can not confirm if they were the original company. So I will stick with the current actions. I began receiving calls from local XXXX number 's that would hang up when I answered them. Sometimes the caller would call back and sometimes they would n't. Eventually, I learned that this company, Diversified adjustment was trying to contact me on a debt they said I owed to XXXX. Over the course of several weeks and 4-6 calls per day, I attempted on at least 3 occasions to request a letter showing who they were and what they said I owed because I was n't going to just pay some outrageous amount to some random phone caller. This request was denied repeatedly until last week when one agent finally agreed to send me a letter. I received the letter today and it implies that I have agreed to some payment arrangement and they expect my payment of XXXX $ on XX/XX/18. At no point did I agree to anything, Since they record calls I know they have this recorded, I also have the call recorded as well so they ca n't weasel out. As this is the first time I have seen a written request of this debt, I believe they are trying to remove my ability to contest the debt. At this point, no other action has been taken by the company other than the continued calls from a multitude of # 's. They did inform me on one call that they have over 150 lines that they call from. I was informed by the XXXX agents that I had already received a letter and would not get another one. I find this tactic to be extremely shady and I will be contacting them requesting formal evidence of the debt so that I may review and confirm if it is actual debt, but I am taking this proactive approach because that is what you have to do with shady companies like this.
Product: Debt collection

They stated they were a filing company. Saying I owed an old Wachovia credit card bill from XXXX. Said it went into collection XXXX. I never received anything from collections. They said I would be served papers from them. Or I could settle out of court for XXXX dollars. And that I could make installment 3 payment XXXX. Or if I was financially unable they would do 6 months. They said they where contacting me because the COVID-19 restrictions grace period was over. They if it goes to ourt I would have to pay XXXX dollars. They called me my wife and mom. An 11 digit number 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. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


CONSUMER PORTFOLIO XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax PREMIUM - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX Auto Financing XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax TXXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX OF XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX EXXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two complaints to the CFPB regarding egregious errors that Equifax has made on my credit report. I pay for monitoring services through Equifax and as of XX/XX/XXXX, Equifax will not allow me to access updated information of my credit score and reporting information. Additionally I included a consumer statement in an effort to explain the drastic changes in my credit report as a result of Equifax 's errors which was n't been included on my credit report.
Additionally, the Equifax monitoring service has been paid for the month and is effective till XX/XX/XXXX. I have contacted Equifax 's technical support and they advised that the research will take longer then the remaining time of my active account with them. I believe this action was retaliation of the complaints filed against them. I ask them for a credit for the days that I am unable to access Equifax data that has been paid and was told there was no way to provide a credit.
Product: Credit reporting or other personal consumer reports

With this fair resolution, I need tobe rest assured that in my credit report will accurately reflect my timely payment history as agreed upon. For matters related to the accuracy of credit reporting, including the updating of late payments due to inaccuracies, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. Therefore, if there are inaccuracies in the reporting of late payments, XXXX would typically rely on provisions within the FCRA to dispute and correct those inaccuracies with the credit reporting agencies and furnishers of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid. I was in a mortgage forbearance plan with Gateway Mortgage. I have kept in contact with them. Extended as required. In XXXX I transitioned out of the plan and entered a trial period to apply for a modification to my loan. I have made XXXX, XXXX, and XXXX payments on time as I was instructed to. 

Gateway reported my loan as 180 days past due to the credit agencies at the beginning of XXXX.
Product: Credit card

In XX/XX/XXXX, I purchases a suite of appliances directly from XXXX and took advantage of XXXX XXXX, which was through TD Retail Card Services. 

The appliances arrived broken and the replacement was also broken. Other equipment was not even shipped initially because it, too, was broken. After a number of missed and incorrect deliveries... I had enough and told XXXX and their delivery company, XXXX, to take everything back, which they did. However, this created a prolonged saga because XXXX was not able to take the equipment back in their system, even though XXXX had it, due to either a software bug or human error. 

By XX/XX/XXXX, the glitch was fixed and XXXX issued a number of credits to my account at TD Retail Card Services. In XX/XX/XXXX, XXXX informed me that I would be receiving an additional refund ( after the credits ) of {$450.00}, which was issued by TD Retail Card Services on XX/XX/XXXX. 

As soon as I received the {$450.00} check from TD Retail Card Services... I cashed it and was happy to finally be done with XXXXTD -- or so I thought. 

Unbeknownst to me, someone at TD and/or XXXX decided for unknown reasons to " VOID '' the cashed check after-the-fact, according to an agent I spoke to at TD Retail Card Services. The agent ( XXXX -- Agent # XXXX ) could not find who actually voided the check. 

TD then charged the {$450.00} back to me and started adding late fees and interest to my account. Since my account was paperless and XXXX told me in writing to expect the check... I had no reason to go online to my account. 

By XXXX, TD drew my credit line down and reported me to the credit agencies resulting in a XXXX point drop in my XXXX XXXX  score. My score had been in the XXXX range for decades. 

I'm in the middle of purchasing a home with a $ XXXX deposit down, as well as needing to purchase a new car and obstain a new credit card for purchases I need for my farm. 

Now that I'm in the XXXX XXXX range, my credit reputation and ability to get financing has been destroyed by a bureaucratic mistake by TD and/or XXXX. 

TD Bank has been difficult to reach and relatively unsympathetic to my situation. I've filed a dispute, but it can take up to 90 days and they say they can't expedite it. 

This is horrible and TD should not be able to issue credit if they can't promptly resolve disputes when it is their own internal system at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX WFDS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

The Lender on my new Jumbo mortgage is impounding too much money into escrow to cover property taxes and home insurance. The name of the XXXX is : CrossCountry Mortgage LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per CFPB 1024.17 Escrow Accounts ( c ) ( 1 ) ( i ) Charges at settlement or upon creation of an escrow account, I have performed an independent calculation of the Aggregate Adjustment number on the Closing Disclosure and have come up with a materially different number than my lender. 

My calculation shows that the Aggregate Adjustment should be a credit of {$2100.00} whereas the Closing Disclosure shows it as {$790.00}. The lender is padding the escrow account by {$1300.00} too much. 

I attempted to get the lender to fix this up until the last minute at closing, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX XXXX Balance Owed : {$220000.00} ; XXXX XXXX Balance Owed : {$960.00} ;
Product: Checking or savings account

On XX/XX/XXXX, Capital One WITHOUT AND NOTICE froze my business checking and savings account with a total amount of {$57000.00}. As a XXXX XXXX, I have been banking with them for several years, XXXX XXXX  has been incorporated in XXXX. My corporation has never been audited by the IRS or fined in any way. Due to COVID, my business received both XXXX and EIDL assistance. Funds have consistently been used for rent, payroll, marketing, day to day operations, inventory, online fees in accordance with terms for both loans. Furthermore, the transactions and amounts withdrawn have been CONSISTENT for the past 5 years. After asking me questions for 3 hours, they refused to tell me why my account was frozen, what next steps would be, or timeframe. Meanwhile, my business for the past 12 years has been operating in good standing with all government agencies. With the pandemic, my business has been greatly affected and I have already missed thousands of dollars in payments, bounced checks, return fees, etc. I don't have funds to pay any of my bills at all and my funds have been frozen for absolutely no verifiable reason.
Product: Debt collection

Credit Collection Services of XXXX, MA XXXX XXXX XXXX XXXX. Called on XXXX/XXXX/2016 to settle an account. Amount owed was {$74.00}. Offered to settle for 50 % of the balance. They agreed. The electronic check they took over the phone cleared the bank on XXXX/XXXX/2016 was for the full amount instead of {$37.00}. Called on XXXX and they offered to send me a check for the difference. This is an outrageous practice of charging the full amount after having to agreed to a lesser amount and then I have to XXXX them to recover the difference. I 'm guessing this is against the law.
Product: Debt collection

I am filing this complaint because BMG MONEY 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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...
Product: Student loan

Prior to the XXXX deadline for PSLF ( XXXX  Forgiveness ) from the pandemic, I had submitted all of my employment verification information to my former loan servicing company ( XXXX ). Shortly, after that my loans were transferred to MOHELA. After several weeks of processing, my account was up and running. I called to verify that MOHELA had all of my employment verification and other pertinent account information. I was told by a customer service representative, that they did indeed have all of my employment verifications forms and that they would be processing them. 

After several months, these forms are still not processed and when I call MOHELA, I received the explanation that they are not processing these while the legal battle is going on with the Supreme Court. However, the PSLF is separate from the ongoing legal battle and MOHELA should be processing my employment verification and should be applying the payments to my account as necessary. 

It has been several months now and nothing has changed with my account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to appear on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. Please help me remove these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accfi & lance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USC 1681 section 6 o 2 states I have the right to 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 ny purpose