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

I have been trying to remove these fraud alert remarks from my equifax report for the past 2 weeks now. I've mailed requests, faxed requests and gone over the phone with equifax staffmembers who have swore to me these fraud alert remarks would be removed after me passing phone verification for them to manually remove them, staffmember said it would be off within 48 hours. This call was taken place on XX/XX/XXXX, I look at my profile today XX/XX/2020 and still, the alerts are on, the staffmember even gave me a confirmation number to keep for my certainty. Confirmation # XXXX was the fraud alert removal confirmation he gave me. But all in all, Equifax doesn't do their job, once again, per usual, now i have to file this complaint because without surveillance, Equifax just doesn't do their job for consumers, its plain as day. I've attached the few sheets ive mailed and faxed Equifax over the past two weeks authorizing them to remove the alerts and displaying what i see in my Equifax credit report subscription portal and once again, TODAY! This is madness and needs to be handled asap.
Product: Mortgage

Regarding my complaint, XXXX, of an escrow refund of {$270.00}, I need to file a new complaint. I received a check of {$270.00} vis XXXX on XXXX and cashed the check at my local bank on XX/XX/XXXX. On XXXX XXXX I received another check of {$270.00} via XXXX ; needless to say I recognize the mistake and had no intention of cashing the check, however, on XX/XX/XXXX a " returned iem '' of {$270.00} was listed on my personal checking account without any notifcation to me. XXXX how the banking system backs each other up. Luckily I didn't shred the second {$270.00} check and will be depositing it in my bank account today. Such gross incompentence and backs up my statement of how quick Wells Fargo acts when it's a deficient on their account but slow running molasses to correct my account. I'm certain when I deposit my refund check today that it will be returned to Wells Fargo due to said gross incompentence. I'm tired of having to monitor my account so intently.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea why theyre there. I check my credit report regularly, and out of nowhere, these discrepancies showed up. I even refreshed my browser, thinking it might just be a glitch, but the accounts remained. Given this, Im asking for a thorough review of the documents Ive submitted, so I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a notarized and certified notice of Validation of debt to Capital One Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX VA XXXX the end of XXXX of this year. I received a generic letter back dated XX/XX/2023 without reference of a signature stating ; " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' They are aware of Fair Debt Collection Practices Act, in addition to my home state laws regarding debt collection practices. Under such laws, I am asserting my right to receive the following information to my requests. 

The company took an adverse action by closing my account in retaliation because I ask for validation of debt which again I am entitled to by law and Fair Debt Collection Practices Act and Federal Trade Commission. My information to being shared with a third party creditor such as XXXX XXXX and the 3 credit reporting bureaus without my consent. My credit limit with Capital One was {$2500.00}. They are reporting I owe over {$4000.00} which is incorrect. They are also reporting the increase and decrease the credit usage without my consent. I have opted out of them sharing any information and they are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}
Product: Checking or savings account

I have received a fraudulent check for the amount {$19000.00}, which Truist bank cleared the next day and placed deposit into my account. Every time in the past if there was every doubt about the check, they would put hold on the check and wait until they are sure check is good before clearing the check. Based on the clearing of the check and their previous process of putting the check on hold if in any doubt, I assumed they verified the check and are sure there are no issues with the check. Based on this I used those funds to return partially to the sender of the check and to conduct other business, assuming check is cleared and verified by Truist. 

Approximately 7 days later, Truist reverted the transaction and deducted the entire amount {$19000.00} from my account. I went to my local Truist bank and spoke to Truist representative. They called the bank from which the check originated and confirmed the check is fraudulent. They told me that this needs to be reported to Truist fraud department so they can return to me the stolen funds. While at the XXXX branch we spoke to fraud department which tool all the details and told me Truist analyst will contact me. Branch representative assured me funds will be returned. 

Several days later, I received email stating that my fraud claim has been denied. I was never contacted by Truist analyst. I called the analyst several times using the number on the form that they sent but received no response. Their statement stated that I benefited from this fraud which is not true. Analyst never called me to ask for any details and denying the claim was completely opposite to what they told me at the Truist branch, where they assured me funds will be returned as Truist offers fraud protection. 

Truist also states that all deposits are protected and FDIC insured. They have several sections on their website stating they offer security and deposit /fraud protection. I have been their customer for 20 years and they simply denied this claim without asking for explanation, any details even though they state customer deposits are safe.
Product: Credit card or prepaid card

Balance transfer XX/XX/XXXX completed and the promotional 0 % interest was good through XX/XX/XXXX. I had purchases on the XX/XX/XXXX statement as well and my balance was XXXX including the transfer fee. I paid XXXX on XX/XX/XXXX bringing the balance to XXXX on the XX/XX/XXXX statement. That payment was fully put toward the balance subject to interest. At this point the balance was all 0 % promotional. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX bringing the balance to XXXX. 

In XX/XX/XXXX I made a large purchase on XX/XX/XXXX ( XXXX ). I made a XXXX payment on XX/XX/XXXX. Barclay MasterCard began putting all money paid toward the purchase ( higher interest ). I also made a payment of XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I was making large enough payments to pay off the promotion on time. In XX/XX/XXXX I realized what was happening and I contacted Barclay. 

They advised they do not put any of the payment toward the promotion and only apply it to the highest interest even though I wanted them to apply it toward the promotion. I was frustrated but not given any options. 

A few days ago as I was reviewing my payments and how they were applied I noticed the promotion/balance transfer amount never went down since XX/XX/XXXX of last year and in fact now has a higher balance. I read that the changes in how payments are applied that occurred in XX/XX/XXXX state creditors must apply the payment to the balance with the highest interest rate first. I also read that the consumer can choose to have the extra payments beyond the minium due applied to a promotion balance. I was never given that choice. I paid more than enough to cover the total XXXX minimum payment due at the point of my XX/XX/XXXX payment. 

I called again Sunday XX/XX/XXXX to ask about that balance transfer/promotion. I was unable to get clear answers from that associate and requested a supervisor. After waiting 15-20 minutes the associate came back on the line and said a supervisor would call me within 24-48 hours. I advised I was concerned that would not happen and I wanted to resolve this issue. 

I did not receive a return call within the 24-48 hour timeframe. I think that company avoided payment on the promotion amount to push it into accruing interest with the purchase balance I made in XX/XX/XXXX. I want to dispute the action they took and believe they should have to go back and correct it. I decided to make a complaint as I was unable to resolve it with Barclay. Ihope to get some help and answers about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called XXXX spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from XXXX. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education
Product: Credit reporting or other personal consumer reports

Called today, XX/XX/year>, and XXXX # XXXX and XXXX # XXXX refused to provide me with a XXXX or the correct XXXX for tax reporting. 

The account is showing as " charged off '' on the credit bureaus which means a write off to XXXX and reportable income to me. They have not provided me with a XXXX showing the account was actually charged off. Therefore, there is incorrect reporting to the credit bureaus. 

The application was a collateral security in the amount of {$5100.00}. They brought the application to the Fed window and got paid. Each and every month they sold the statements as securities and got paid from the sale of them plus they got paid by collecting monthly money from me. 

They closed my account without my consent. 

They are in possession of contraband - ie my securities.
Product: Credit reporting or other personal consumer reports

Insurance paid off my loan in XXXX, due to totalled loss vehicle. As of today XXXX XXXX, XXXX, my credit report shows delinquent/ Repossessed/ Charge off for Capital One Financial. I have documents from Capital One stating that my account was Paud in Full. This is hindering me from purchasing another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have on multiple ( 4 separate occasions ) Dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; And XX/XX/XXXX sent formal, certified and notarized mailed dispute letters to Equifax XXXX XXXX XXXX, XXXX, GA XXXX and as of date I still find the same incorrect and inaccurate unverified negative accounts on my credit report. These are the negative items I still find on my personal credit file with Equifax : Name of Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX. This account listing is incorrect and also unverified.
Product: Credit card or prepaid card

I have 3 accounts with comenity bank and everyones accounts seem to not work and payments arent working either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, continue to report inaccurate information on my XXXX XXXX account ending inXXXX for the month of XXXX, 2018. I have provided Experian proof with a copy of a letter from XXXX XXXX multiple times stating that they will contact the credit bureau and have this inaccurate and subterfuge information for XXXX, 2018 delete. Experian is in violating of the Fair Credit Reporting Act because they continue to report inaccurate information after they have been provided information directly from the credit to remove this inaccurate information for XXXX, 2018. CFPB please have Experian uphold the law. Also hold Experian accountable for the violations they continue to comment with this dispute and compensate me for Experian damaging my credit worthiness by reporting this subterfuge information on my XXXX XXXX account. 

CFPB I have attached a copy of the letter As proof I received from XXXXXXXX XXXX requesting the credit bureau to delete this inaccurate and subterfuge information for XXXX.
Product: Credit reporting or other personal consumer reports

Hello I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX open XX/XX/XXXX XXXXXXXX XXXX XXXX  open XX/XX/XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX for the months of XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX for the month of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit card

I have around 6 months trying to contact TOMO credit card to cancel my subscription with tomoboost program who takes XXXX XXXX monthly from my bank account. I have sent emails requesting the cancellation and they dont listen they dont stop. I dont have TOMO credit card no more I cancel the credit card and now I dont want the TOMOXXXX program. I am frustrated they do not cancel nor give me a phone number customer service to do it. More than 6 months fighting it. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I took an unsubsidized loan of XXXX XXXX dollars after my transition from Military service on XX/XX/XXXX. The purpose of this loan was to allow me pursue a XXXX XXXX in management information systems at XXXX XXXX University online. Initially, this loan was with XXXX XXXX who later sold the loan to Navient, a parent company. I am struggling to make payments and have requested on numerous times for Navient to lower the cost to affordable payments. Instead, they have chosen to continually harass me at work with phone calls violating my privacy because I work with prisoners. Now, I fear for my life and have indicated to be contacted via e-mail only and that was ignored. Next, I feel financially exploited by Navient changing my loan from {$10000.00} to {$26.00}, XXXX. As, this was reported to the credit bureau affecting my credit scores negatively. I have made several payments ranging from {$270.00}, {$270.00}, {$22.00}, {$50.00}, dated on XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX respectively. Also, I was told by a representative over the phone to make a final payment of {$270.00} on XX/XX/XXXX and then continue to make {$50.00} monthly. She suggested filing a forbearance which I did, and Navient never acted on it. They have remained adamant and inconsistent in prorating my monthly payments and this is unacceptable. I am tired and sick of being harassed and exploited and hoping that they put a stop to this.
Product: Credit card

I paid off my account on XX/XX/XXXX and was subsequently charged an interest fee on XX/XX/XXXX. I made sure to have the payment clear prior to the statement closing date, but I was still charged for this interest. I spoke with the support team on XXXX and was told there is nothing they can do about this as " the system does not allow any changes to interest ''. I should not have to pay interest when my balance was XXXX and they are refusing to do anything to help me.
Product: Credit card or prepaid card

Aspire credit card is stealing my money. I made a duplicate payment to my account causing a credit balance, they owed me back XXXX. I immediately called to request a refund was told I would he sent a check, XXXX XXXX this credit balance refund debit is shown on my statement for {$540.00}. Leaving a credit balance of XXXX. I never received this check and multiple calls and emails to customer service I get no help and hang up in tears. I was told twice this was mailed to me and now Im being lied to that it was credited to my account. It never was and my statements prove that. I have filed a complaint with better business bureau and am in contact with an attorney. I need my money back and they will not give it to me!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filled out a pre-approval application for a XXXX XXXX  credit card. I navigated to this through choosing the pre-approval button on a banner at the top of the screen, NOT the normal Apply button. The banner says " see if you're pre-approved ... without affecting your credit score '', as can be seen in an attached screenshot. This means no hard credit inquiry should occur, only a soft pull. 

However, after filling out the pre-approval form, I ended up receiving a hard credit inquiry on my Equifax credit report, and this supposed pre-approval application seemed to go through as an actual credit application. 

I then attempted disputing this inquiry with Equifax, but their website didn't allow for me to include the context and details of the dispute. The result suggested to reach out to XXXX Bank directly. I have attached the dispute result which seems to be a generic response when they don't have enough information. 

So I reached out to XXXX XXXX  customer support who suggested faxing XXXX XXXX  XXXX XXXX XXXX XXXX Dispute department with a set of information about the inquiry and why it should be removed. 

I sent the fax over a month ago on XX/XX/year> to inquire about getting this credit inquiry removed, but never received any contact or response to my fax. I have attached the fax confirmation and what was faxed as well. 

Finally, I attempted reaching out to XXXX XXXX 's executive office by sending an email to XXXX XXXX, XXXX XXXX XXXX on XX/XX/year> but also did not receive any sort of response. I have attached a copy of this email too.
Product: Vehicle loan or lease

When speaking to a representative within the company during the after purchase of the vehicle it was deemed we were sold a lemon vehicle. The vehicle after one month which was XX/XX/XXXX of owning the vehicle electrical system went out in the vehicle and the car locked anyone out from usage. Secondly once reaching out to the company they told us it was our own problem and that it wasn't covered under warranty, so we got that fixed once fixed the car transmission began going out as well as the engine in the car began giving problems. One time the car shut itself off during a drive and could not be started. This occurredXX/XX/XXXX and when reaching out to the company every time was told its not their problem or fault in fact that they will get their money regardless. On XX/XX/XXXX Was the final incident with the car when it would not start and the entire system locked itself out, we had been having issues over and over with the vehicle with warranties and the company just does not seem to help. The vehicle carried flood damage as well as it carried previous accident problems that was not informed and brought to us. The vehicle was still covered under warranty and still was not offered assistance and the finance company refused to help. When giving the car back not only did the company resale the car for over market value, we were not informed of the sale until a month later which it carried a balance they reported to the credit bureau that we were late. The remaining balance should not be due to the fact the company used the Gap insurance and sold the vehicle well over value, but still wants to collect when there is no need to. We will never do business with credit acceptance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.