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

XXXX XXXX XXXX ( aka XXXX XXXX ) They had fraudulently changed the balance owed on my account and its putting my credit report in financial distress. Ive written letters got in touch with both companies as well as Experian and its a whos who when it comes to the course of action. They blame the credit bureau the credit bureau blames the company : In short XXXX reports the amount as {$450.00} then changes it to {$450.00} the following month then back up to {$450.00} the month after it continues on this pattern which hurts my credit score. Its inaccurate and fraudulent and needs to be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

Upon reaching out to Equifax to inform them of inaccurate information on my credit report and unable to access my credit file on their website due to error BLNK and unable to access my file on XXXX XXXX an other reporting sites. I was told to submit my Social Security card along with identification which I did they advised me to wait 3-4hours and I would be able to access my report upon waiting 24hours I still had no access or updates to my credit file I reached out again regarding the matter an repeated the steps still no resolution. Im unable to access my credit file and nothing is being done to resolved the issue. I was told I had no inquires on my. Edit report which should be correct but upon checking Im seeing over 13 inquires which shouldnt be there the rep I spoke with told me the information he saw on credit reports shows XX/XX/XXXX inquires but online shows 13 its so many inaccurate information on my file due to fraud and equifax seem not to care to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lease a vehicle in XXXX of XXXX from XXXX XXXX XXXX. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been three months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from XXXX XXXX, Bill of Sale letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed information on my cosumer report that is inaccurate and incomplete. During my investigationI realized that my consumer report still has the same inacurate information that I have disputed several months ago and is still being reported on a monthly basis. I was never notifiled by the consumer reporting agencies that are assembling and evaluating my consumer credit and other information about I. According to the Fair Credit Reporting Act consumer reporting agencies are obligated to exercise their grave responsibilities with fairness impartiality, and a respect for the cosumer 's right to privacy. My right to privacy have been infringed upon by the consumer reporting agencies when they assumed a vital role in assembling and evaluating consumer credit. They were not given express permission by I the consumer or a competent court of jurisdiction to issue an order stating that the consumer reporting agencies are obligated to report such information. According to 15 U.S.Code 1681c ( a ) ( 4 ) ( 5 ) No consumer reporting agency may make any consumer report containing accounts placed for collections or charge to profit and loss or any adverse item of information. The FCRA states that a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is aquaineted or who has knowledge of such item of information. They were to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. The consumer reporting agencies failed to provide I with proper service and failed the initial invesigation of the information as they assumed this the was valid in which is a vilolation on my consumer rights. They did not exercise their grave responsibilities, they failed to provide proper service, they failed to conduct a proper investigation to insure accuracy and fainess to I the consumer. Because of this information it has caused severe harm to my reputation and creditwothiness. I trust that the Consumer reporting agencies adhere to its obligations as outlined in the FCRA and properly address this matter with fairness and accuracy. I'm requesting accurate disclosures of the nature and scope of the consumer invesigation report. provide a detailed description of the invesigation, the actions that were taken by your organization. Also provide documentation of my written consent to furnish information on my consumer repor. Accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a payment to my credit card in the amount of {$2000.00}. I received no confirmation and the payment was not showing as pending, so I scheduled a payment the next day in the same amount. After that payment was scheduled, I saw two pending payments. I called B of A and was told there was nothing they could do as the payment was already pending and to call when it posted. I told them that that wouldnt work, as it posting a second time would overdraw my account. They said there was nothing they could do. I called once the payment had posted the second time, and I was told that it would take 7 to 10 days for the refund to post. I told them that was unacceptable, and the woman I spoke to on XXXX, XX/XX/24, told me that they could rush the refund and have it back in my account in XXXX XXXX XXXX  hours, but that the request would take XXXX  hours to process. Five days later, on XXXX, XX/XX/24, I called back because the money was still not back in my account. I was on the phone for half an hour with someone who is trying to figure out where my money was. I ended the call because I had to get back to work and no progress was being made. I called back later that day, and spoke to someone who was actually helpful. He let me know that, despite talking to two people already, and my first contact being five days prior, no request had been processed to refund the payment that had been wrongfully deducted. He also let me know that in that system, there is no way to do a rush refund in XXXX to XXXX hours, so he was confused and slightly outraged that I was told that something could be done that was an impossibility. I am now in a situation where my account has been overdrawn, and I will not get the money that was wrongfully deducted back for another 7 to 10 days. This is after a delay that was unnecessary of five days because the first person I spoke to not only lied, but didnt even process the reversal in the standard manner. 

These actions by Bank of America show a blatant disregard for the consumer. They have demonstrated outright lies, and a failure to initiate procedures that they have assured the costumer they are doing resulting in detrimental outcomes for the consumer due to reliance upon those lies and the associated failure to act.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to file a formal complaint regarding an inaccurate public record that is currently listed on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, the inaccurate information remains on my report and continues to affect my credit standing. Here are the details of my situation : 1. **Credit Reporting Agencies Involved : ** XXXX XXXX XXXX XXXX and Experian. 
2. **Nature of the Inaccuracy : ** A public record is listed on my credit report which I have verified as incorrect.

3. **Verification Attempts : ** - I contacted the court in my jurisdiction, and they confirmed that they do not validate or supply information to any third-party agencies, including credit bureaus. - I also contacted XXXX and PACER, both of which confirmed that they do not validate or supply information regarding this case to any third-party entities. And only XXXX replied in 30 days, never received any follow up from them validation Given this information, it is evident that the public record on my credit report is either inaccurate or unverifiable. I have formally requested each of the credit reporting agencies to investigate and remove this incorrect public record from my report. However, as of the date of this letter, the inaccurate information has not been removed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. If they can not verify the accuracy of the information, they are obligated to delete it. I am seeking the Federal Trade Commission 's assistance in addressing this matter and ensuring that my rights under the FCRA are upheld. 

Enclosed are copies of my correspondence with the credit reporting agencies, as well as any responses I have received. Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

PNC is not allowing money transfers to or from XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I entered into a security agreement with Flagship Credit Acceptance LLC. On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was illegal repossessed by Flagship Credit Acceptance LLC. They violated UCC 9-704 by enforcing an unperfected secuirty interest without filing a financing statement per La. Rev. Stat. 10:9-501 ( a ) which states that if local government governs the perfection of a security interest, a financing statement must be filed to perfect the security interest with the department of Motor Vehicles and UCC 9-310 which states that a financingstatementmust be file to perfect a security interest. As I have stated since XXXX of XXXX before the illegally repossession, Flagship never filed a financing statement and therefore had not perfected its interest, and their counsel even confirmed that they did not need to by quoting UCC 9-311, but as you can see Louisiana Statute clearly states that a financing statement must be filed for perfection. I filed for arbitration, as all claims are to go through arbitration, and stated I wanted my car back constantly and placed it appart my claim. When I informed Counsel XXXX of the Louisiana statute, he provided to me a document purchased from the department of Motor Vehicles showing me as the owner of my vehicle on XX/XX/XXXX. I informed him that we were both aware that you can obtained a certificate of title using the security agreement, but the perfection of it security interest can only be through a financing statement if the enforceability is to extend beyond the one-year which ended in XXXX. And then on XX/XX/XXXX, he stated that my vehicle was sold in auction, as I, once again, requested for its return as the burden of proof for the requirement of a financing statement had been statified. I informed him that this malicious intent was done against his oath of office as he has a duty to the law being upheld. But, through false statements and the consent to allow his client to make false statements they violated state and federal law. My vehicle was allegedly sold at auction without the proper right of possession. I requested the auctioneer information and the exact date of the sale and was told that he did not have it yet. And, yet he was aware of the sell. As a financial institution, Flagship have an obligation to follow state and federal laws of securities under Secured Transactions of the Uniform Commercial Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

On around XX/XX/XXXX XXXX XXXX XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted Transunion and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on Transunion.. 

Respectfully XXXX  has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a XXXX XXXX XXXX Military Veteran.
Product: Credit reporting or other personal consumer reports

I entered into a forbearance plan with XXXX XXXX XXXX for the months of XXXX XXXX XXXX XXXX XXXX XXXX. The approval letter stayed that the forbearance period would end on XX/XX/2024. 

I made several payments prior to the end of the forbearance period and my account was brought completely current on XXXX XXXX XXXX XXXX XXXX XXXX XXXXs reporting a 30 day late payment for XX/XX/2024 that they refuse to remove. 

I spoke with several representatives who assured me the account would not be considered late unless payment was made 30 days AFTER the end of my forbearance. I appealed to the executive office and they stated the terms of the approval specified that if all payments were not brought current prior to the expiration of the forbearance it would be considered late however, it is not stated in any written paperwork. Furthermore several representatives told me this was false on multiple recorded conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I want to make sure XXXX included in the lawsuit for Navient as I had them servicing my student loans for so many years and they would not allow me any affordable options to lower my payments. Instead I had to go into forbearance and accrue so much interest. Also, I lost credit towards my years of paying back my loan. I want to make sure XXXX included in the lawsuit. I do not trust Navient to do so. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 loaded money on a XXXX  gift card to purchase my kids XXXX XXXX before I could use the card someone has already made purchases at XXXX so I contacted XXXX to have to purchase stop and the money returned I contacted vanilla gift to let them know I stopped the transaction to check on my refund they said that I couldn't do that I needed to fill out a form so they can investigate which I didn't understand why since XXXX had stop the transaction. It has been since XX/XX/XXXX and I still haven't received my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from American Express were changed from the XXXX of each month to the XXXX of each month. This was done in XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on the XX/XX/XXXXthrough the debt management plan has been marked as 30 days late by AmEx by the credit bureau. I have disputed this with XXXX as well as requested a change from AmEx to no avail. All my other payments have been made on the between the XXXX and XXXX  through the XXXX and have not been reported as late so I am unable to understand the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$3100.00} comments : Not mine
Product: Credit card or prepaid card

On XX/XX/XXXX of 2022 I applied for a chase freedom student credit card and was denied. I requested for the company to review the decision and the application and was still denied. I, the consumer and natural person made the application in good faith, but credit was not applied. On XX/XX/XXXX I received an adverse action letter stating the reasons for denial. The reasons stated for denial were based off of inaccurate information that was reported on my consumer report and has been deleted and removed. On XX/XX/XXXX I sent a response to the adverse action letter to the companies headquarters stating the violations of federal law that has been committed against me, the consumer. I followed up with a CFPB complaint to ensure this matter gets handled with maxim efficiency and urgency.
Product: Prepaid card

While using Comdata Corporation Credit Card Processing Services, On XX/XX/XXXX, two transactions were made, one for Balance Inquiry and a transaction of {$200.00} from a XXXX ATM machine. After discovering the transaction, I immediately called the company but I had to wait until the transaction settled. Once it settled, I did the dispute, I was initially told to wait Ten Business days. However, it extended to 21 Business days, when the 21 business days were over I was told to wait another 7 days, which I waited more than 7 days. I did a complaint on XXXX  review site. The company contacted me and they informed me that it will take until XX/XX/XXXX to resolve. On XX/XX/XXXX I received a denial letter from the company, the reasoning was due to my history having a consistency with the XXXX atm, the only time i used the ATM at XXXX was in XXXX, it shows on the statement and it was for {$300.00} and that same XXXX i puchased something along witha {$40.00} cashback. I only had one ATM withdraw from XXXX, the very last ATM withdraw was from XXXX that's less than 5 minutes from my house in XXXX XXXX. This transactions was taken out of my bank at a ATM machine at a XXXX in XXXX XXXX without a card. If my account summary could be uploaded I will show how they made their determination. They could even go back to their recording on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Attached is a copy of my identity theft report. The accounts listed Below were opened fraudulently please remove immediately from my Experian credit report because it is against consumer law to report fraudulent or incorrect information on consumer credit report. 

Fraudulent Experian Accounts XXXX XXXX XXXX {$150.00} Account # XXXX XXXX XXXX XXXX {$130.00} Account # XXXX XXXX XXXX XXXX {$520.00} Account # XXXX
Product: Money transfer, virtual currency, or money service

Transferred money from my XXXX XXXX account to my Wells Fargo account via XXXX XXXX. XXXX XXXX has given me receipt numbers from Wells Fargo that they have the money since XXXX XXXX. Wells Fargo however says they dont recognise these numbers and the money is with XXXX XXXX. 

The numbers XXXX XXXX claims Wells Fargo gave them for the XXXX transactions are XXXX and XXXX. 

I am stuck between these XXXX where they both are not sorting out my problem and the only thing they say is the other has the money and i should contact them.
Product: Student loan

I contacted my student loan in XXXX and XXXX and told them they sent my information to the wrong po box that was listed on the account. I had told them numerous times they had listed the wrong po box by one number off of the mailing address to contact me regarding my students loans and slapped me with late fees until I paid them. My accounts are current and I deserve to have them not slapped me with 3 months late fees as I was unaware they were coming up for renewal and the wrong addresses are on my papers. This is from 7 years ago and my credit report has been good ever since. I am asking for this to be removed from my credit score and report. I think unaccurate information after I have had my accounts in good standings for 7 years. Case # XXXX If I wanted to buy a house or purchase something I have these 3 late payments on my account for the past 7 years.
Product: Money transfer, virtual currency, or money service

On Friday XXXX XXXX  PST I received an alert on my phone from XXXX ( XXXX ) XXXX-XXXX  to my mobile phone. It alerted me with fraudulent activity for XXXX XX/XX/XXXX {$10.00} Declined, XXXX {$21.00}XX/XX/XXXX Declined, and {$3500.00} XXXX approved XX/XX/XXXX. It also stated if I recognize the activity, reply Yes. If not, reply No. Bank of America said Thanks for confirming your transaction you will be receiving a call shortly. Shortly after, I received a call from Bank of America Customer Service XXXX ( XXXX ) XXXX-XXXX. The agent gave me her agent number and reported that there's fraudulent activity from Texas XXXX, XXXX XXXX, and XXXX. She said the first two transactions got declined, however, XXXX went through and stated that I needed to reverse the transaction. I was skeptical at first, but the fact that it was a Bank of America number, and I do get alerts from Bank of America, I thought they were who they say they are. She walked me through the process of " reversing '' the transaction with XXXX ( which showed up on my email as XXXX XXXX with XXXX ) and said that a new debit will be mailed to my parent 's address ( in which I am currently visiting as my grandmother is ill at the moment ). On Monday, my debit card did not arrive. Today XX/XX/XXXXTuesday, my card still has not arrived so I called Bank of America and they transferred me to fraud. The department let me know I am a victim of being scammed and mentioned that they will file a claim. On my end, I wanted to make sure I file a report with as much information so that this does not happen to anyone else and that people do the right thing.