23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never imagined I would have to deal with such an unjust situation. A debt I know nothing about has suddenly appeared on my credit report, and I am now being harassed through multiple channels with escalating threats. This is unacceptable and a violation of my consumer rights. The stress and anxiety this has caused are overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX Visa card. Please be clear it is a Visa card with XXXX. I also have a DEBIT card with XXXX and that is not related to this. I closed my XXXX Visa card on XX/XX/XXXX. XXXX XXXX   states they reported the card closed per my request when I closed it. Now I have an inquiry into my credit by XXXX XXXX. XXXX XXXX  states it should not be an inquiry as their history/records show there was not an inquiry only a report. XXXX  does not show the inquiry on my report. EXPERIAN DOES SHOW THE INQUIRY BY XXXX ON XX/XX/XXXX. 

Something is not adding up. The XXXX inquiry will not fall off for two years, i.e. XXXX. No one asked me to make a hard inquiry or informed me one would be made. And as of today, XXXX can not explain how the inquiry was generated to show up on my credit. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I owed for the prior month XX/XX/XXXX and for the current month XX/XX/XXXX. On XX/XX/XXXX of XXXX I made a mortgage payment for {$1400.00} and on XX/XX/XXXX my XX/XX/XXXX payment posted on the amount of {$1400.00}. The result of these payments in XXXX of XXXX mean that we were current with our payments AS OF XX/XX/XXXX. All year XXXX XXXX  has reported in error that our XX/XX/XXXX payment was 30 days late. As we are monitoring credit for improvement we were able to see the mistake and we went through XXXX appropriate dispute department. They did an investigation and indeed agreed that the XXXX was ON TIME. They mailed a letter to our home and emailed to me as well in encrypted email the letter stating that the error was corrected on their reporting system and that XXXX, XXXX, Transunion, and XXXX would be informed. Using credit monitoring we are able to see that the information has NOT been updated and we were then told to dispute the negative reporting. We did this and XX/XX/XXXX we received notification that the 30 day late for XXXX of XXXX was not corrected and that it was in fact verified with XXXX. Confused, we contacted XXXX and we were connected with an escalation specialist XXXX XXXX I have her direct contact information ) she asked me if we disclosed documentation with our dispute and I informed her that I had not seen a option to do so, she said that she could see the document from XXXX and that it was a matter of time before the correction would be visible to the 3 credit reporting agencies. I then went back into my dispute area with Transunion Credit Reporting app and I was able to upload the documents provided to me by XXXX verification that the XX/XX/XXXX payment was NOT 30 days late and they would correct per their investigation. We were correct. XXXX was reporting in ERROR! Today I received the results of the additional dispute and the 30 day late payment for XXXX of XXXX has AGAIN been verified EVEN THOUGH!!! I spoke with XXXX and I HAVE THE DOCUMENTS showing that it SHOULD BE CORRECTED. I will attached the documents from XXXX. I would most certainly appreciate this information to be corrected. The late payment is effective our credit worthiness and we have gone the whole year paying that price.
Product: Checking or savings account

XX/XX/2023 I requested help canceling outgoing funds transfers of {$1500.00}, $ {$1200.00}, and {$1200.00} that were sent as part of a scam from XXXX. This company was Chime banking. I was told it was not possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute Equifaxs repeated failure to conduct a proper investigation into the inaccurate information on my credit report. Despite multiple disputes, Equifax continues to verify erroneous data without providing adequate proof of verification, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are legally required to conduct a reasonable reinvestigation of disputed information. However, Equifax has failed to meet this obligation, as it continues to report inaccurate information without verifying its validity or providing me with a clear explanation of its findings. 

I demand that Equifax : Conduct a thorough and reasonable investigation into my dispute. 
Provide documentation proving the verification process used to confirm the disputed information. 
Immediately correct or remove any unverifiable or inaccurate information from my credit file. 
Provide me with an updated copy of my credit report reflecting the corrections. 
If Equifax fails to comply with this request, I will have no choice but to escalate this matter further by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office regarding your noncompliance. 
Seeking legal action for damages caused by Equifaxs negligence and failure to comply with federal consumer protection laws. 
This letter serves as a final opportunity for Equifax to resolve this matter before further action is taken. Please respond with confirmation of compliance and a resolution within 15 days of receiving this notice. Failure to do so will result in immediate escalation. 

I expect a written response detailing the actions taken regarding this matter. You may send all correspondence to the address listed above.
Product: Debt collection

I've communicated with Portfolio Recovery several times regarding the alleged debt ; whereby I informed them the debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion received a letter from creditor that account has never been late then the creditor changed it back I have called and argued for six months and transunion will not provide any documentation ( XXXX   XXXX Account ) Opened 2018 ending in XXXX And a Bankruptsy is reporting in Public Records and no proof has been provided as required by law
Product: Credit reporting or other personal consumer reports

These companies looked at my credit without authorization and I want them removed from my credit form immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I accepted a 7 day trial offer from MyEquifax.com. On the 7th day, I called Equifax and cancelled my trial offer. For the next couple of months, I kept seeing attempted charges of {$19.00} on my XXXX. I called Equifax to ask why are they trying to debit my card for {$19.00}? I have cancelled that trial membership. I was apologized to and assured they would not be taking the {$19.00}. On XX/XX/XXXX at XXXXXXXX XXXX, I received a notice from XXXX that {$39.00} was charged and completed. 

I've made 4 attempts to correct this issue. I've escalated this issue to XXXX who stated he's a supervisor on XX/XX/XXXX, and lastly with XXXX on XX/XX/XXXX, both identifying themselves as Supervisors. 

On XX/XX/XXXX, XXXX stated the refund is processing and could take 7 -14 days. On XX/XX/XXXX, XXXX stated " I will not be getting a refund. They had a system glitch and you were speaking with agents who simply did not know what they were talking about. '' Offering a resolution of products and services. I declined the resolution! The only resolution is my refund.
Product: Mortgage

While I have been able to talk directly to XXXX XXXX of Bank of America, she and her assistant ( XXXX XXXX ) have repeatedly ignored messages from me, since you closed my previous complaint. I was able to talk directly with XXXX XXXX on XXXX/XXXX/15, in which she made an appointment with me to call me after XXXX on XXXX/XXXX/15, an appointment which she did not keep. When that time period had passed, I called and left a voice mail for her. She did not return my call until this week, XXXX/XXXX/15 at XXXX, while I was indisposed. I promptly returned her call, informing her that she could call me back at any time and leave a voice mail if I was n't able to answer at that time. I have had several questions arise since my first contact with XXXX. I have repeatedly called and asked for a response from her. My questions to wit are : " Is Bank of America willing to work with me as an affiant or do I need to be an executor of XXXX XXXX 's estate? '' and " Did Bank of America pay the property taxes, as they have in the past, for 2015? '' The answer to both of these questions directly affects me and my future arrangements. My attorney also needs to know the answers before she can proceed. I did offer the option of a conference call between the XXXX of us. No response has been supplied, if indeed, this is an option. My understanding of past conference calls is that all parties are notified well in advance of the time, number to call and a check-in ID # for such calls, in order for them to be legal. An " ambush '' conference call is not allowed. Again, I need an immediate response to these questions. XXXX XXXX 's reply to you that she was unable to get information from the consumer is not a valid response, as the consumer, in this case, is my recently-deceased husband, a fact of which both Bank of America and XXXX XXXX are well aware. Thank you for any attention you can give this matter on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX years equifax has refused to investigate, or have stated that they verified the bankruptcy XXXX on my report, it can not be verified they refused to respomd to numerous disputes and in some cases didnt respond. I have done numerous complaints to the cfpb, i want this account deleted immediately and i seek damages
Product: Vehicle loan or lease

Bridgecrest calls and I have signed and stated on an Authorization to Communicate that my wife XXXX XXXX is the contact person on this acct. I bought the car for her. I have asked them to allow her to do whatever needs to be done on this acct. She pays for this vehicle..she does everything in regards to this vehicle. Today they called after speaking with a representative XXXX ago who supposedly notated the account and told us to call back on the XX/XX/XXXX for a deferral. The deferral is need because i just had major XXXX and won't return to work until XX/XX/XXXX. The XXXX representative ( XXXX ) on the phone told me we were given incorrect information by the previous agent. I asked XXXX XXXX a deferral and was told we don't qualify for XXXX. The acct has to be at least XXXX old and he went to rambling on..Our acct is XXXX old. ( didn't make sense ) I told him this. He said he had to speak with XXXX on this account for changes. I told him I do simple interest loans everyday and wasn't understanding why we couldn't just get this payment moved to the end of the loan what is so hard about that. So he placed me on hold and came back with a more authoritative tone in his voice and I snapped. I told him this is not what we are going to do today. I need to speak to a supervisor immediately and don't put me on hold XXXX mins to get XXXX. Finally XXXX came on the line and stated she is a XXXX. I told her we were requesting a deferral on the account. She stated they had other options available and she also needed to speak to XXXX. XXXX got on the phone and her option was a payment plan based on their payment schedule. After she questioned him about his employment status. He told her No. He has other bills to cover in our home. He also asked what was the problem with doing the deferral. No feasible answer was given. But she circled back to the payment plan again. We both told her that would be a hard No! I then told her to notated the account that I would be contacting CFPB. She said it was notated. Then placed us on hold she came back and read a script that stated we may or may not be approved for a deferral. 
I then asked for XXXX 's last name and correct. She refused the last name and stated she was a XXXX in general. She did confirm XXXX 's name. We disconnected the call. And I filed this complaint. My wife is the go to on this account. If Bridgecrest needs anything on this account they need to contact XXXX XXXX not me ( XXXX ). I would greatly appreciate some help with the poor/bullying customer service they are giving please
Product: Mortgage

I filed XXXX XXXX in Bankruptcy Court ( XXXX )XX/XX/XXXX, with a creditor 's meetingXX/XX/XXXX, which was not attended by XXXX XXXX XXXX or their representative. ( NOTE : Creditor 's meeting has been continued to XX/XX/XXXX ). I requested a loan modification in US Bankruptcy Court XX/XX/XXXX, and wrote a letter dated XX/XX/XXXX documenting my request as no one from XXXX XXXX appeared in court. The bank responded by providing a loss mitigation application to lower the 14 % interest rate, in their letter dated XX/XX/XXXX. I returned the application XX/XX/XXXX, via certified mail ( received XX/XX/XXXX @ XXXX in XXXX , TN ), and that same day the bank secured a Motion for Relief From Stay to be allowed to foreclose on my loan of 8 years. I believe that the bank, 21st Century Mortgage, has participated in Dual Tracking as the application for loss mitigation has not yet been reviewed, while simultaneously securing an  order to overturn the automatic stay in US Bankruptcy Court for the sole purpose to initiate and expedite foreclosure proceedings. I had also contacted the bank XX/XX/XXXX, seeking assistance in this matter. To date, I have not received a response.
Product: Payday loan, title loan, or personal loan

Capital one called me an initiated a fraud investigation about a loan that was deposited into my account via the SBA that I was approved for forgiveness for. They proceeded to ask me for documents in regards to my XXXX Tax Paperwork which was not used to obtain the loan, my XXXX paperwork was. I find this to be discriminatory as a friend of mine whom is also a business owner and banks with capital one was not subjected to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Vehicle loan or lease

I purchase a brand new XXXX XXXX XXXX and financed the purchase through Truist On XX/XX/XXXX - I refinanced the loan with XXXX XXXX XXXX XXXX. They provided me with a check in the amount of {$52000.00} to which I also included a personal check in the amount of {$170.00}. Both checks were to payoff the original loan and the checks were sent by certified mail, return receipt requested to the payoff address provided by Truist on XX/XX/XXXX. 

On XX/XX/XXXX the checks were received by Truist according to the return receipt postcard which was initialed by the recipient. 

On XX/XX/XXXX I called Truist to inquire about the status of the loan. They told to call back because the check was still being processed and I should hear something the following week. 

On XX/XX/XXXX, I called Truist again, and they told me the loan check was still not processed. 

On XX/XX/XXXX, I went to XXXX XXXX to explain the problem and to inform them that my payoff check had not been cashed. XXXX XXXX said give it some more time before cancelling the check. 

On XX/XX/XXXX, the same day after speaking with XXXX XXXX I called Truist to inquire about the check. They told me to wait until XX/XX/XXXX and then call again, that it may be still being processed.

As a result of the mishandling of the check, I had to pay the XXXX loan payment to Truist. The XXXX payment also included a late fee. I did not pay the loan immediately because of the fact that the payoff check should have been received and processed by that time. I would now be responsible for the XXXX payment. 

On XX/XX/XXXX, I called Truist again and asked to speak with a supervisor. They finally opened up a case number for each of the missing checks- the check from XXXX XXXX XXXX # XXXX. And one for my personal check which was check # XXXX and XXXX # XXXX. Additionally, we filed a complaint case # XXXX for the way in which this whole issue had been handled. That complaint was to go to their advisory team. 

On XX/XX/XXXX, I received notification from XXXX XXXX that my first payment on the refinance would be due on XX/XX/XXXX they also asked for the title to be sent to them. 

In desperation, on XX/XX/XXXX, we went to XXXX XXXX to cancel the refinance loan, as I did not want to be responsible for paying two loans. 

I feel I was unjustly charged a late fee and have only received the run around from this company, Truist. They would not admit that the check has been lost, as we do have proof via the post office and the signed returned receipt that the checks were indeed received by them. Further we used the tracking number to confirm the checks were received by them. I would like any late fees to be returned to me along with compensation for the run around they have given me including a canceled check fee if one is charged for the refinance check. Further, given the way interest rates are on the rise, I may not be guaranteed the same rate if I choice to refinance the loan again. 

I feel they were extremely uncooperative through this process, even when I respectfully ask them to suspend the loan and any fees until this issue was resolved. They did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently closed and paid in full an account with XXXX XXXX  XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all XXXX credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all XXXX credit bureaus have failed to do a proper investigation.
Product: Checking or savings account

The atm simply did dispense what i requested the amount was {$800.00} and i only received {$20.00} my XXXX XXXX XXXX  was credited the disputed amount and debited for the disputed amount this been going on for 2 weeks now about to be 3
Product: Debt collection

I have been charged $ XXXX+intrest charges for months by capital one, I returned all the merchandise have receipt proof and they are still not doing anything about it. I'm being charged for product I don't have!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Car and they said was going to just pull for XXXX. But on my Credit Report, I had XXXX hard inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to reference this complaint ( XXXX ) where is is also an addendum to the same problem previously put in a complaint here. It involves a previous mortgage servicer that our loan transferred from back on XX/XX/XXXX. ON that same date the report had become Closed and Current that also had some missed payment history in it. Soon after the transfer the closed account had had a many changes taking place. And when we asked both credit bureau and proving company about the changes, they both kept saying a Closed account should not have on going changes constantly being made to it, that is what is meant by being Closed. This problem has been ongoing and with my many screen captures of what is being changed and ongoing reports from others who monitor your credit report, back in XXXX I put a bunch of shots together and sent them to the provider our our CLOSED mortgage account. And I also posted the complaint her on the CFPB and got very favorable response from the provider of our Closed account. the also sent me an signed letter, and it they say they sent to all four credit bureaus to Delete their closed credit report of our account. It clearly stated my wife and my name, yet as with other things they said the sent to the credit bureaus, no action was taking, so I contacted one directly that responded that in internal investigation prove the account should be removed, and they di just that and then notified me. I then came back and opened a complaint for the other and main credit bureaus, that soon after also remove the accounts, but only for my name. Looking at wife file, only two had took the same action, with there still being the Closed account that the provider had requested be deteted, still showing. I then opened another complaint and soon after saw the now only one account still remains. So in another and recent complaint ( above ) it mentions an answer from them by mail, that indicated that the account was not showing from an investigation. That was true for my account, but not for my wife 's account where it is still to this day showing. Ok, so there I should maybe have been clearer, but for those who are helping us with that, the letter provided nothing. And they want me to post one last complaint here asking that the Closed account that was Closed on XX/XX/XXXX finally be deleted. The original request was sent for XX/XX/XXXX. At present this is only a problem with Equifax, with the question asked to me was the letter I sent concerning this had clearly indicated to delete the account for bot name and my wife 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax  Tax Lien Federal  I have on several occasions sent notes to the reporting company to remove derogatory information from my credit report. While there where  XXXX  items I requested they remove and supplied them with all information regarding both they removed  XXXX  and to date still have not removed the  XXXX  item Notes and information was sent thru Post Office mail on   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  and  XX/XX/XXXX   every time I check my report thru  XXXX   XXXX  this  XXXX  item is still there even after I explain the law that said this was to have been removed with in 30 days of it having been satisfied. I got this information from the IRS web page. I understood this to have been removed in    2012  and now 5 years later it is still there.
Product: Credit reporting or other personal consumer reports

The bureau has added a fraud alert without my consent. I am requesting that this fraud alerts be removed.