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

On XX/XX/2019 I attempted to obtain my Free Annual Credit Report from Equifax via the website XXXX. As in years past when attempting this action, Equifax refuses to comply ( despite successfully proving my identity through their questions ) and states that I must send sensitive data through the mail and wait for them to send me my report. No wonder they got hacked. 

On the same day as noted above I contacted Equifax via their telephone number XXXX and requested help. The operator then successfully verified my identity and then stated I would have to request my report by mail. When I asked for her name she stated it was XXXX and she was operator number XXXX. When I asked whether she worked directly for Equifax she stated she did and when I asked where she was located she said the XXXX. An overseas operator handling extremely sensitive credit information? Not very safe. 

I want my free annual credit report that I am legally entitled to by law and I would like it within one week. I would also like a written apology from Equifax. The law doesn't state that I have to send in pay stubs, a driver license or any other information via an unsecured method in order to obtain said report. I am seriously considering filing a lawsuit myself and am also requesting that the Federal Government fine and/or sanction them for failure to follow the law in good faith. 

What really makes this painful is knowing that I could walk into any car dealership, give them some basic information and they could get a credit report from Equifax in a matter of minutes if not seconds. 

Please get me my free annual credit report and fine and/or sanction them. For far too long they have gotten away with the harrassment of millions of US Citizens.
Product: Debt collection

This reflect complaint about Barclays Bank and XXXX, XXXX XXXX XXXX, their debt collection agency handling account ending in XXXX. I am extremely concerned about how both companies have handled my account and their failure to comply with both federal and state laws. Below are the issues experienced : XXXX. Failure to Provide Debt Valuation On XX/XX/year>, I sent a letter to XXXX, XXXX XXXX XXXX requesting a full breakdown and valuation of the debt. As of XX/XX/XXXX, no response or the requested documentation have been received This violates the requirement for creditors to provide accurate account details when asked. 
XXXX. Multiple Disputes to Credit Bureaus Ive submitted several disputes to the credit bureaus, asking for a breakdown of the account balances. Despite this, neither XXXX nor Barclays has provided any clarification, nor have they taken action to correct the errors. Their failure to verify the debt is unacceptable. 
XXXX. Violation of Consumer Protection Laws The actions of XXXX, XXXX XXXX XXXX and Barclays have been unfair, deceptive, and abusive, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Floridas Consumer Collection Practices Act ( FCCPA ). Theyve failed to verify the debt, misrepresented amounts due, and havent provided adequate information to support their claims. 
XXXX. Misleading Account Information The amounts listed on my credit report dont match the figures provided by Barclays , which is damaging my credit score. Ive received no explanation for these discrepancies. 
XXXX. Violation of Privacy I have not agreed to any contract with a third-party collection agency, nor have I authorized XXXXXXXX XXXX XXXX XXXXXXXX to act on my behalf. Their involvement in this matter is a clear violation of my privacy rights, and I did not consent to this third-party collection effort. This unauthorized handling of my account is an infringement on my personal and financial privacy.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is my second formal dispute concerning inaccurate information reported by Equifax. Despite my initial complaint, these errors remain unresolved. I filed for XXXX XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/XXXX, and it was discharged on XX/XX/XXXX. This was a no-asset XXXX XXXX case that discharged all pre-petition debts under 11 U.S.C. 727 ( b ).

The following accounts continue to report late payments and charge-off statuses, in violation of 11 U.S.C. 524 ( a ) ( the discharge injunction ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). These inaccuracies have severely impacted my ability to access credit with higher limits, lower APRs, and better terms, causing significant financial hardship. 

Outstanding Errors for Equifax : 5 Errors : Equifax Dear CFPB, This is my second formal dispute concerning inaccurate information reported by Equifax. Despite my initial complaint, these errors remain unresolved. I filed for XXXX XXXX  bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/XXXX, and it was discharged on XX/XX/XXXX. This was a no-asset XXXX  XXXX case that discharged all pre-petition debts under 11 U.S.C. 727 ( b ).

The following accounts continue to report late payments and charge-off statuses, in violation of 11 U.S.C. 524 ( a ) ( the discharge injunction ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). These inaccuracies have severely impacted my ability to access credit with higher limits, lower APRs, and better terms, causing significant financial hardship. 

Outstanding Errors for Equifax : 5 Errors : XXXX XXXX XXXX XXXX  Account # XXXX : * XX/XX/XXXX : Remove the 60-day late status. 
XXXX XXXX XXXX Account # XXXX : * Remove the Late 90 Days status. 
XXXX. XXXX XXXX, Account # XXXX : * Remove the Collection/Charge-off status. 
XXXX. XXXX XXXX, Account # XXXX or XXXX : * XX/XX/XXXX : Remove the 60-day late status. 
* XX/XX/XXXX : Remove the 30-day late status.

Despite allowing sufficient time for investigation and correction, Equifax has failed to comply. As a result, I am prepared to pursue legal action for willful noncompliance under the FCRA, which allows statutory damages of {$100.00} to {$1000.00} per violation. Given the number of unresolved errors, I am seeking damages of a minimum of {$5000.00}, including the removals. Additionally, I reserve the right to claim actual damages for financial harm caused by your negligence. 

For your reference, this letter is connected to CFPB Complaint ID - XXXX. 

Please take this notice seriously and resolve these errors promptly to avoid legal escalation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My issue is with Sychrony Bank a Mastercard under the store name Walmart. After a request to the company to stop sending late payment requests via email, telephone and text messages. I continue to receive them. I used there automated system to pay my credit card balance in full. I remitted a payment of {$7100.00}. They keep calling me asking me to make a {$180.00} minimum payment. When I dial into the automated system they inform me no payment is due until XX/XX/2019. They have credited me interest and have stated I will not receive any more messages. Since that time. Every day I receive either an email. Text or person calling asking me to remit {$180.00}. I feel harassed. A minimum payment is considered the bare bones to keep the account in good standing. They have a technological issue that is ruining my opinion of the aforementioned companies. I was told it was because I paid after closing and before the statement generated for the next month was printed there was a balance due. The software should have a if then qualifier rational. If payment was more than minimum due no notification is needed. These companies are letting technology dictate their relationships which isn't always the best idea. Output is as good as the human programmer has written the code. It needs to be fixed. Account ending # XXXX.
Product: Checking or savings account

Fifth Third bank failed to negotiate the contract in good faith. Fifth third closed the account without any consideration from their side. Account was terminated after delivery of terms and no fair negotiation took place. Fifth third offered only boiler plate agreements with no apparent ability to negotiate. Fifth third commingled or stole monies from my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Arvest Central Mortgage Inc. Because of Covid 19 hardship I requested a Forbearance Starting XX/XX/XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow.

I spoke with a Customer Service Representative and she told me that
we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it  because of this derogatory payment ARVEST CENTRAL MORTGAGE INC. has placed in my report. I have the possibility to refinance the  house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account.
Product: Credit card

Dear Sir or Madam, I am writing to seek assistance regarding an unresolved issue that originated in XXXX with American Express. Despite repeated attempts to resolve this matter directly with the company, I have not received a satisfactory resolution, which prompts me to request your intervention. 

In 2020, I held an American Express XXXX XXXX credit card. During that year, I received an upgrade offer directly from American Express to upgrade my card to the American Express XXXX XXXX XXXX. The terms of the offer included making a specified amount of spending to receive an upgrade bonus of approximately XXXX XXXX points. I accepted this offer, upgraded my card, and met the spending requirements as stipulated. 

However, the promised bonus points were never credited to my account. I have contacted American Express customer service numerous times, spent many hours in discussions, and even sent a formal letter to their headquarters in New York, seeking a resolution. Each time, my claims have been denied with the response that no such offer was attached to my card. This has been extremely frustrating and time-consuming. 

I have since closed that particular card and currently hold another American Express XXXX XXXX XXXX card. However, the issue of the missing XXXX points from the previous card remains unresolved. 

Given the circumstances, I kindly request the Consumer Financial Protection Bureau to assist me in this matter. I believe that an investigation into this issue may necessitate a review of the communications and promotions sent by American Express to its customers, as well as their internal handling of such offers and customer complaints. 

Thank you for considering my request. I am hopeful for your support and am looking forward to a resolution that recognizes the commitments made to me as a consumer. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Product: Debt collection

I pulled my Consumer reports from XXXX, XXXX & XXXX and I notice you have furnished an account there as a charge off/Collection since 2021.

An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form 1099C must be issued to the consumer! How can you collect on a canceled debt?

Wells Fargo have furnished this account as a charge off/collections and they are in violation of the Fair Credit Reporting Act 15 USC 1681 .

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The reporting of inaccurate information to a consumer reporting agency is damaging to my credit worthiness, credit standing, credit capacity, character, and general reputation.

Wells Fargo Dealer Services, are a furnisher of information they are prohibited by law from reporting inaccurate information.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

15 USC 1681s-2 ( B ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

I am not asking for verification or validation of this account.

The only response to this letter is the Deletion of the inaccurate information being furnished.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I was first offered a loan for my company for {$100000.00} by XXXX. XXXX uses XXXX for identity verification, and I was sent a contract that used the XXXX identity verification. However, it was quickly determined that my social security number was crossed with someone else 's social security number. Therefore, I could not get the loan because my identity could not be verified. I spoke to XXXX on numerous occasions, and they resent the documents at lease 20 times. However, nothing ever happened because the information is still wrong in XXXX 's system. I sent my drivers license and utility bill ; however, no help. I spoke to XXXX on numerous occasions and was told that they are pulling my social security number and information associated with it from LexisNexis. I told them their information regarding my SSN was wrong, however, I was not given any help whatsoever other than being told that there's nothing they can do even though they know my SSN is wrong in their system. I also spoke to LexisNexis regarding this problem. I sent my drivers license and utility bill ; however, their system has not been updated and I have been denied {$100000.00} loan for my business over 20 times because of this issue. 

I have tried numerous times to get both XXXX and LexisNexis to correct their databases pertaining to my social security number. However, I have received no response as to how they will correct the issue they have caused with no regard for how it has negatively affected my business.
Product: Student loan

Tues XX/XX/XXXX : formally filed complaint v. Mohela for the following reasons : ( XXXX ) they've recently sent me correspondance indicating a past balance due ( {$900.00} ), however, since graduating law I've been in a IDR and loan forgiveness program which deferred payment for over a year. 
( XXXX ) how is there a balance due when there was no notification of a payment being due or kicking in- all correspondance received to date indicates a XXXX balance. Now all of a sudden there's a past payment balance? when exactly & why did that occur? And form of notification have you provided?

( 3 ) I just need to know the true story of my account - 3X status has changed with no indication or rationale of why. I've filled out 2 diff sets of IDR, why would my status change when I'm not the one initiating change ; further, what legal notice are you providing? why have I never received such notice? 
( XXXX ) I called your customer response number today- your agent claims they couldn't help me and allegedly forwarded me to a XXXX Supervisor. 
I've been on the phone for XXXX mins+ after speaking with your initial agent- why even place me on hold if you refuse or are unable to answer simple questions about status of the account? 
Overall, providing status of an account is not rocket science. Further, your level of professionalism is downright disrepectful from : ( a ) a customer service perspective ; and ( b ) in terms of how you manage accounts. There is no level of quality service. Please get your act together. I'm tired of chasing you down for answers which you appear not wanting to answer. What's most frustrating is that I have copies of every piece of correspondance you've sent and none of it makes sense or aligns with alleged status each time I've called, which has been 4-5 times since XX/XX/XXXX.
Product: Checking or savings account

I, XXXX XXXX hold an account at Bank of America ending in XXXX. 
I made a deposit on XX/XX/XXXX {$9000.00} cash and {$8700.00} check in a local branch in XXXX IL. 
I have a proof showing cash and check cleared next day. 
Today I came tp realization that they took my money in the amount of deposoted check {$8700.00} causing my account to go negative. 
I tried calling, they were not helping nor answering. 
I want my money back!
Product: Checking or savings account

I have checking, savings, and investment accounts with Ally. On XX/XX/2023 Ally 's fraud detection system locked my accounts. I phoned Ally on XX/XX/2023 and was able to have a representative unlock my accounts. 

On XX/XX/2023 my Ally accounts were once again locked. I phoned Ally and after several hours was able to determine that Ally 's fraud detection system relies partially on the time zone a user 's browser reports to some XXXX code. Many privacy protection features in browsers will randomize the time zone or simply always report it as XXXX, regardless of where the computer running the browser actually is. 

This code told Ally 's fraud detection system that I logged in from XXXX, although there is other data available such as IP address that would contradict this. The representative I talked to was able to see the IP address recorded for the activity that locked my accounts : it is the IP address for my cable router at my home, a well known address to Ally 's systems since I log in from home very frequently. Somehow, Ally 's fraud detection system or their operation of their fraud detection system did not take this into account. 

The representative told me that this exact problem happens very frequently, but by policy they are unable to unlock my accounts unless a fraud investigator approves it. Since it was Friday and the fraud investigator assigned to my case had already finished work for the week, I am left without access to my money until Monday  XX/XX/2023 at the earliest. 

The representative further told me that they thought ( but could not confirm ) that my accounts were unlocked the first time because a fraud investigator was immediately available, and that the accounts were locked again perhaps due to a mistake by the fraud investigation department.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was victim of XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. List all these negative accounts from yours XXXX credit reports. Account names and account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX account.
Product: Student loan

I asked mohela who could sign my XXXX forms to verify my employment and was told that yes, a former boss was eligible to sign. My former boss signed the document for XXXX XXXX XXXX, which is XXXX months of timeI only need XXXX per mohelas calcuationsand they refuse to accept it. The XXXX states they only keep employee records for 7 years, and I worked there from XXXX XXXX XXXX. The former boss was an option given to me by a supervisor named XXXX in XXXX XXXX XXXX, when i called to enquirer as to the status of my forgiveness under the waiver and that is when I was told they lost my paperworkwhich thankfully I had copies. 
Its a nightmare to attempt to speak to anyone, Ive spent hours of my life on hold trying to get to someone, with no luck. All I want is the forgiveness I have rightfully earned, under the temp waiver as I applied during that period and the paperwork I possess reflects this.
Product: Credit reporting or other personal consumer reports

There are 4 companies reporting inaccurate information on my credit report I reached out to all the companies and disputed them with the 3 credit companies. I ask each company for a validation of the debt and never received the information. 


XXXX XXXX XXXX date opened XX/XX/XXXX {$420.00} XXXXXXXX XXXX XXXX  ( date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX ) {$800.00} XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXX ) {$1700.00}
Product: Vehicle loan or lease

So, I just get a call from Wells Fargo which I had a loan for my previous vehicle telling me they will not re-fund me for a {$500.00} dollar payment I made on line in XXXX for XXXX due date. Now the refund requested was because in XX/XX/2019 I traded in my old car for a newer model XXXX XXXX and the XXXX dealer paid off the loan on the previous vehicle which they do as prescribed by law. Wells Fargo not only got their money for the previous vehicle but also an additional {$500.00} payment for XXXX which they are supposed to refund me. They have decided they are keeping the XXXX for XXXX and are daring me to try and collect knowing what a pain in the XXXX it will be for me to spend XXXX knows how much for a lawyer to fight them for my {$500.00}. Is this something you'd handle?
Product: Debt collection

EVERY MORNING, UPON SEENG THESE FRAUD ACCOUNTS MAKE ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY REPOORT IMMEDIATELY.
Product: Vehicle loan or lease

My vehicle was repossessed during COVID and two months prior to my beginning to collect SSA retirement. The company ( Santander ) would not negotiate because, in their opinion, I did not have substantial income and would not be able to honor a future repayment plan. They did not offer to make any exceptions due to COVID and demanded I bring my payments current immediately. I had to move due to the pandemic, and I was laid off my job. 

A few months prior to the repossession, I went to XXXX XXXX regarding debt relief. They made a {$7000.00} settlement arrangement with Santander, but Santander later said it could not be honored because the vehicle was still in my possession.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. 

Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 
XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX.