23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to comply with my Fair Credit Reporting Act ( FCRA ) 605B request, which was submitted to them on XX/XX/year>. Equifaxs lack of action constitutes a violation of their obligations under the FCRA, specifically FCRA 617, which addresses civil liability for negligent noncompliance. Details of the Complaint : Request Submitted : XX/XX/year> Nature of Request : I submitted a request under FCRA 605B for the immediate blocking of certain fraudulent accounts, the removal of a fraudulent address, and the removal of fraudulent inquiries on my credit report as a result of identity theft. Noncompliance : Despite the requirement under FCRA 605B that Equifax to act within four ( 4 ) business days, they have failed to take any action to block or remove the aforementioned fraudulent items from my credit report. Violation of FCRA 617 : Equifaxs failure to comply with the requirements set forth in the FCRA is a clear instance of negligent noncompliance, as described in FCRA 617. This negligence has caused ongoing damage to my creditworthiness and financial reputation. Additional Reports Submitted : I have had to submit additional identity theft reports to request the removal of further fraudulent items. Supporting Documentation : I have attached the following documents for your review : A copy of the original identity theft reports filed with the FTC. A copy of the original letter submitted to Equifax on XX/XX/year>, outlining my FCRA 605B request. Copies of additional identity theft reports submitted to XXXX for the removal of further fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/XX/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

Had a CareCredit account used for eye glasses and dental charges. Through no request from me company sent a CareCredit XXXX. After several notices both print and electronic I did activate the XXXX ... the initial account with the promotional offer was closed and the balance moved to the XXXX. The promotional offer on the balance expires XXXX XXXX. As far as I was concerned, once the balance was moved to the XXXX the promotional offer should have become null and void as the balance was moved before the promotional offered expired. Therefore, I should not be subject to fees that will be incurred because the balance was not paid in full. This is not how the credit card company views it, however, I beg to differ. I view this as criminal intent to squeeze me for the fees not charged during the promotional period and although I requested the balance be charged to the credit card of my choosing, I was inform I could n't do it but that is exactly what the company did. They move the account to a credit card albeit it was their own and still plan to charge me the fees once the promotional period expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and TD banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Product: Prepaid card

No resolution provided by amex XXXX XXXX or XXXX when I called multiple times about an e-gift card worth {$200.00} on XXXX XXXX. On both days, tried using multiple times online at XXXX, XXXX, XXXX, etc. and would not work. It says can be added to online wallet but could not be added to XXXX XXXX. I called customer support multiple times and kept getting placed on hold and given the run around to membership services to gift card to tech support which never answered. Phone call would also just hang up with no resolution. The gift card is a scam if we can not use it anywhere online if it claims we are able to easily use anywhere like a real Amex card and able to add to XXXX XXXX when it clearly can not. They claim they also cant do a refund since it is a gift.
Product: Vehicle loan or lease

I had a credit loan from Credit Acceptance over 22 years ago and they have taken in tax money over {$3000.00}, but will never report. Will not come off my report, my life has had denial, from any type of loans for over 22 years, for Credit Acceptance continues to have other agencies buy the account since and continue to harass my life, still continuing today XX/XX/2018. Big affect upon my credit scoring and report appearing two times, as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent Best Buy, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

I refinanced an existing mortgage with my original lender, Stearns Lending on XX/XX/XXXX. The original mortage had an escrow insurance requirement ; however, the refinanced mortgage did not. As expected, I made principal and interest payments payments for the remainder of XX/XX/XXXX on my refinanced mortgage. Beginning on XX/XX/XXXX Stearns Lending began requiring escrow insurance on my monthly statements even though I already prepaid my homeownwers insurance for XX/XX/XXXX. After months of phone calls ( 12 calls ) to Stearns Lending to correct their mistake they finally acknowledged their oversight yet they still have not corrected their monthly statements.
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Product: Checking or savings account

This has been an ongoing issue with Citibank and they are not willing to invite, which is very much. I must say odd since there's no complaint from either party in regards to where the funds came from and the actual transaction itself. Both parties are here in presence and approving the transfer of funds. The original bank XXXX XXXX XXXX XXXX has made no complaint in the matter. They are quite closed account and neither one of us has associations with them anymore, which would make it very inconvenient to send the money back to them as they are requesting. It is simply a closed account that has been closed for over 90 days that they should send the funds. To me XXXX XXXX. Who had received the funds in the Citibank account? It's simple and easy. There is nothing else to say. Why can they not just do this?
Product: Checking or savings account

I closed my account with Wells Fargo some time last year because they were constantly taking money out of my account the amounts ranging from small to $ XXXX. I would call and dispute the charges and everytime they wouldnt be able to give me a reason why they took the money out and gave me every excuse in the book as to why they couldnt give me my money back. This happened straight for months till I closed the account with them. They owe me at least {$1500.00}. I dont know the exact amount because as soon as I closed my account they restricted my access from my account on the mobile app and website.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

The debt was paid back to the lender but its still showing unpaid on my credit report, and is damaging my credit score.
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a car through Honda Financial Services, fast forward to XX/XX/XXXX when I paid {$750.00} to catch up for what I owed for XX/XX/XXXX and XX/XX/XXXX. Everything is paid up and I only owe XX/XX/XXXX payment. I fall behind due to financial hardship issues for XX/XX/XXXX and XX/XX/XXXX. At the beginning of a XX/XX/XXXX I go to my online account and pay the amount listed for {$870.00}. XX/XX/XXXX statement comes out NOT reflecting the {$870.00} payment made in XX/XX/XXXX. XX/XX/XXXX HFS is notified the payment is reversed ( due to the wrong bank account being used for payment in XX/XX/XXXX ). They attempt to call me on XX/XX/XXXX, at the same time they place the car out for repo and send me a letter mentioning the reversal. On XX/XX/XXXX when I go to leave for work at XXXX XXXX the car was missing. I had n't even received the notice about the reversal of the payment and found out that day when I called about it. They gave me NO notice that the car was being put out for repossession before doing so, and placed the car for repossession before I would have even received such notice! The representative I spoke to on the phone today XX/XX/XXXX stated that them trying to call me was the notice even though they could n't get through because of problems with my phone at the time. When the car was repossessed and I called them to see what I would have to do to get it back my ONLY option was to pay {$25000.00} to OWN the car out right which I explained to the woman that was n't realistic because I did n't have {$25000.00} lying around. But she insisted that was the ONLY option to get the car back even though it was going to go on my credit as a repossession. When the car sold at auction it sold for {$17000.00}. My lease loan for the vehicle that I signed the paper work for was only {$14000.00} so when the vehicle sold I should n't have owed ANYTHING. Now not only do I have a repossession that I should n't have had proper notices been given with a timely fashion for a response from myself, but according to HFS I owe them {$9900.00} for the remainder of the vehicle which i was n't FINANCIALLY responsible for via the loan amount for the lease.
Product: Student loan

In XXXX 2017 time frame wanted to look into other programs for student loan repayment. Thought I found a reputable agency called United Student Loans Solutions out of XXXX XXXX, FL. They had me fill out an application and contract which I have. Unfortunately, through this process I gave my personal identification information. Also, 2 paystubs from my current employer.
Thus far I have n't had any fraudulent activity, but I 'm hoping to stop something before it happens. At this time they have received {$460.00} from me via my debit card. I have notified my bank, they have cancelled the card, and I 've spoken with Identity Theft. I was advised by my current student loan company XXXX to get in contact with FTC ( done ), CFPB ( doing ) and my States Attorney General her in CT.
What has cautioned me to look into this is the fact they pulled funds from my account 3 days early last month, and I have tried numerous times to get a hold of them and nothing. Now their email is no longer valid, phone number of not in service and website no longer valid. There is one number that is assigned to a XXXX XXXX that rings and you can leave a message.
I would like to provide the contract, but nervous to have my information out ( again ). Please advise.
United Student Loan Solutions information : phone # XXXX Ph : XXXX Fx : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX  www.unitedsls.org email : XXXX Names : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX balance {$5700.00} XXXX XXXX XXXX XXXX balance {$64000.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

My complaint is about unfair charges. I purchased a printer from  Bestbuy Store on    XXXX   XXXX ,  2017 , using a store visa card issued by Citi Bank, for the amount of {$190.00}. The store never sent me a bill through email or paper until  XXXX / XXXX / 2017 . The balance becomes {$280.0 0}!, thi s amount includes the printer price + late fee charge + store interest from  XXXX  to  XXXX . There is no alert letter sent to me either. I made a phone call for inquiring. After a long conversation with the  manager  of the customer finance service, he agreeed to lower the bill to {$240.00}! He insisted that he could not reverse to the original balance and also stated that the customer still had to be responsible for the overdue charge  ( {$48.00}. ) It 's very frustrated and unjustified to hear him repeated his word. The store ob viously uses a dirty technique to rip off the customer like me for extra charges since no bill has come to me for 2 months. Please investigate and thanks for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Product: Mortgage

1. On our about XXXX XXXX, I have been asking DiTech to provide me with an account of my payments, since the beginning of my loan, NOT since they took it over. I have yet to receive a response. 
2. XXXX XXXX, I received a letter letting me know that I qualified for my PMI insurance to be cancelled. I called and was told that according to the letter the PMI was cancelled as of XXXX XXXX. The DiTech representative advised me that thirty days from me receiving this letter an audit would be performed and I would receive a refund for the PMI paid from XXXX XXXX to XXXX XXXX. I have yet to receive that audit or refund. I have called and faxed several times and only receive letters letting me know that they received the fax and will get back with me. 
3. On my XXXX XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about XXXX people that all told me a different story. Story 1. It was for the insurance. All of XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over four hundred dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. 
4. My payment was about XXXX. Since XXXX XXXX, my bank has been making a payment of {$440.00} every two weeks to DiTech. Obviously, I have been over paying my mortgage some {$140.00} dollars each month. Which is support to go to my principle. I am NOT sure that is happening, because each and EVERY time I speak with someone they tell me a different story. When I have spoken to XXXX whom is suppose to be my account manager she has to get off the phone or simply hangs up on me. Therefore, I do not see how I could possibly be late on a payment. XXXX of my statement for XXXX XXXX reflect a LATE FEE of XXXX charged to me for being late XXXX XXXX. According to my calculations I should have about {$700.00} in overpayments. I do not see them being applied to my principal. 
I am desperate for some help. I do not know whom to turn to. DiTech will not respond to a question they simply send me letters letting me know that they are looking into it, however an explanation is NEVER provided. When I call, since I have been waiting for a response for over 5 months, they simply transfer me to different people, whom give me a different answer, or simply hang up on me. 
If you can not assist me would you kindly provide me some ideas as to whom could possibly look at this for me? I appreciate any help you can give me.
Product: Checking or savings account

On XX/XX/2020 I purchased a Christmas gift for my mother on XXXX in the total amount of {$90.00} including tax. Two days later XXXX contacted me to inform me the seller deleted the listing and took my money. Need less to say I filed a dispute. XXXX closed the case in my favor and gave my checking account full amount for a refund. I spoke with both XXXX and PNC customer service. XXXX told me everything on their end was resolved. I still have yet to receive my funds to my bank account from PNC bank 's end. They offered no help or resolution.
Product: Money transfer, virtual currency, or money service

Hi paypal, my name is XXXX and hope to get help with my request. 


on XX/XX/XXXX my account was accessed in an unauthorized way from a XXXX XXXX device from which my account was stolen using XXXX. 
Then a debit card ending in XXXX was used to be added to the account and withdraw my savings. 

Other changes to my account such as the addition of a mailing address and phone number that are not part of my personal information. 

All these changes in the account were made using a device ( XXXX XXXX ) that does not belong to me and that I have never had. 

Also paypal can verify in my usage history that I have always used iphone to use my paypal account. 

I made the claim to paypal with case XXXX and XXXX has been closed not in my favor. 
The agent who assisted me explained all these details that I am exposing in this claim. 

my email is XXXX case XXXX denied