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

Equifax is not doing an investigation that has anything to do with my complaint and they are denying me access to my credit report to the point where I can not even see my old dispute results. I answer everything correctly over and over again and then my access is blocked regardless! I reported the transaction that went unnoticed by me with XXXX as fraudulent and I initiated a fraud alert because the incriminating charges were not made by me and subsequently went unnoticed and when XXXX # XXXX reversed it all they forgot to reverse the revolving interest which threw my account to 30 day late from XX/XX/2014, which is fraud. it is NOT 30 days ; ate because it was A FRAUDULENT TRANSACTION! The same goes for the XXXX XXXX account # XXXX, it does not belong to me and was fraud! they can verify information until the world ends but these were FRAUDULENT and reported as such, so that makes it inaccurate and it makes EQUIFAX incompetent in their investigations and also incomplete! I have had no issues placing the fraud alerts and having these accounts removed with XXXX and XXXX, so why is Equifax giving me such problems!
Product: Mortgage

I used to have my mortgage through XXXX XXXX but KeyBank took over its operations last year. After the takeover, I did n't update my payment information for my online checking account. I made a payment on-time in XX/XX/XXXX ; however, my bank sent the check to KeyBank 's XXXX location ( where XXXX XXXX was headquartered ). KeyBank sent me a letter telling me payment was late. When I called to explain what happened, I was told to call my primary bank ( XXXX XXXX XXXX ) and order it to cancel the check. Thereafter, I had to issue a new check to Key Bank which I did right away. I asked the agent if a late fee would be assessed and he said he would look into it and note my request on the file. I said that I would n't think a late fee was fair as I obviously tried to pay on time and could document that effort. I have no other history of late payments. KeyBank ultimately did charge me a late fee of {$67.00}. I called on X/XX/17 asking to have this removed and was told that it would not be removed as I should have updated KeyBank 's payment information. I only made 1 payment late ( the payment at issue ) and am upset that given the error was because of a corporate takeover, the fee is not being waived. Because of this fee, I suspect I will not be able to get PMI waived when the mortgage value reaches 80 % ; I estimate this will cost me $ 1k - $ 2k.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal denied my application for a home loan, claiming my credit scored did not meet their requirement, it was reported by XXXX  of XXXX. Navy Federal system shows one Credit Score from XXXX  and uses a different one for loans. XXXX  Credit score does not match with the one they show in their system.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX of XXXX wells fargo charged unlawful fees on charges that weren't mine. When I would dispute them they wouldn't even look into it. That cause major overdrafts as well as insufficient funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but NO PROOF was shown. I've faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I needXX/XX/XXXXXXXX opened XX/XX/2021, XXXX XX/XX/XXXX GXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX XX/XX/XXXX BANKRUPTCY and inquires XXXX CREDIT, CXX/XX/XXXX removed XXXX my credit report or send debt validation of these accounts with my signature. 

PLEASE SEND COPIES OF DEBT VALIDATION WITH SIGNED SIGNATURE OR DELETE FROM MY CREDIT REPORT IMMEDIATELY.
Product: Checking or savings account

I opened on XX/XX/22 a XXXX XXXX  Account at PNC. I set up direct deposit and transferred money as per PNC stipulation in order to receive a promised {$400.00}. 
I checked via telephone numerous time and was assured by the PNC employees that I had qualified for the {$400.00}. I asked PNC to release my recorded conversations with PNC employees to verify this. This request was ignored. 

I requested from PNC to close the account and send the money. Instead, they opened up a new account transferring the money. It took PNC about 6 months to eventually cut a check to me for {$7400.00} which did not include the {$400.00} promised I am asking for the {$400.00} promised in the PNC promotion that I fulfilled.
Product: Credit card or prepaid card

Upgrade refuses to authorize a chargeback on my XXXX for {$50.00}. 
The merchant refused my refund request, so I requested a chargeback. 
I sent all of the info Upgrade requested.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr cooper my loan servicer stated I can only utilize XXXX months of forbearance According to the CARES ACT I'm suppose to have XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask Experian to do a dispute on XXXX XXXX on my credit report. And they did they stated that it was accurate, and I did a closer research myself I found improper inaccuracy on my credit report even after they did their research. 

In accordance to the Fair Credit Reporting act XXXX XXXX Acct XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent a cease-and-desist and opted out of reporting of my credit for XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists, but my information still appears on my reports In all three bureaus, XXXX, XXXX and Trans Union. XXXX banks refusal to Stop reporting To third parties after honoring the Cease and desist is now implicating the three credit bureaus, Trans Union, XXXX, and XXXX. Unknowingly or not, this is a willful violation of the FCRA per the three bureaus now as well as XXXX.
Product: Mortgage

On XX/XX/2021, I sent an email to Novad Consulting to request a payoff quote and was advise that I would be receiving the payoff quote within 4 day But I never received the quote. I then called on XX/XX/2021 to confirm that my submission for a payoff request was processed but I was advised that no payoff request was on file, I then proceeded to once again request a payoff quote and again was advised of the 4 day timeframe. On XX/XX/2021 I once Again submitter a payoff quote to Novad And spoke to XXXX who assured me that I once again would get a payoff quote within 4 days. Ive sent numerous emails Two XXXX and have not gotten any response. On XX/XX/2021 I called Vovad 4 time waited on hold for 3 hrs and spoke to XXXX who stated that she did not have access to my account, I request a manager and was cold transferred to a female my the name of XXXX who kept repeating that she could not do anything but send an email to that department. I asked for the phone number to call The department direct and she said she could not give that information out, she then hung up on me and said I was finished. Reference call # XXXX
Product: Checking or savings account

Wells Fargo Bank refuses to return my money that was taken due to fraud. Wells Fargo informed me that my online banking had been changed to different contact info under a different email and phone number other than mine as well as purchases were made in states such as California and Illinois ( Im in Oregon ) from XX/XX/23 through XX/XX/23. XXXXne employee even confessed that a man had called impersonating myself ( Im XXXX XXXX ). I asked for them multiple times to look at the ATM cameras to verify that it wasnt me and they claim they did but still stand firm that they cant confirm it was fraud even though the person withdrawing money with my card is NOT me. Every time I call, Wells Fargo is very inconsistent on the information that they are telling me regarding my claim. My car is facing repossession due to me losing all this money. Im a single mom and in a huge financial loss. I have offered to help them in anyway that I can. Please help me!
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX did a consultation with my husband and I about potentially getting solar panels on XX/XX/year>. The salesperson provided deceptive practices about the benefits of solar. Some of these being : we were told that the payment would not hit credit report it was similar to a water or electric bill. This was important to us number one because we had just closed on our home on XX/XX/year> and did not want further credit hits. We were also informed that the tax credit would be more than actually was received at the time of taxes. We were also told that the annual refund we would receive from our electric company for the credits would be {$400.00} plus annually. This is by far more than we've received in the last 2 years. The average has been {$120.00}. This was determined because the rate of return we would receive is the same amount of money we were charged for electric. This was also inaccurate. 
I first received notification that my credit was hit on XX/XX/year>. I contacted the salesperson via email that this was the case as she did not answer a phone call. I followed up with GoodLeap ( loan company ) when they called to discuss the loan and payment schedule. They took a note in the system and said they would research this claim. Nothing further was provided. I asked if I was to cancel this loan process, and was told I would be responsible for any work that had already been started in this effort but would have to speak with XXXX XXXX XXXX about it directly. 
The solar panels were installed on XX/XX/year>. However, the hybrid waterheater was not available and on backorder. Also, the setup with our county electric company was not setup for 3 months. I had to already pay a payment on the solar panel loan and I wasn't even able to use the panels as all the work was not completed prior to this. I explained this situation to GoodLeap and they said there was nothing they could do. This was follow up with XXXX XXXX XXXX. 
I feel we were target with abusive practices and false statements that neither XXXX XXXX XXXX nor GoodLeap took any action on. These solar panels are more of a detriment to me at this point than a benefit. If I wasn't a credit union employee learning about these practices, I don't feel I would be aware that these practices were in fact illegal and not just suffer through this.
Product: Bank account or service

We made a Check Fraud Claim on XXXX/XXXX/2015 to Bank Of America for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Bank of America of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Bank of America on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Bank of America was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a " recredit '' or " provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Bank of America would not provide a provisional credit in the case of a false endorsement and that she was unaware of any " recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

there are over XXXX inquiries on my credit report that I didnt do or do not recognize. Please remove these ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting

Recently, I disputed item XXXX XXXX with Experian based on a plethora of inaccuracies. Incredibly, Experian has verified that all information being reported is correct. Pursuant to FCRA 611 ( 7 ) I made a request to understand just how Experian was able to verify this incorrect information. Item was sent via XXXX Certified mail label XXXX and was delivered to Experian on XXXX XXXX, 2015. See XXXX. Experian has failed to respond to this request within the required 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have tried submitting dispute requests via mail to XXXX/EquifaxXXXX, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX XXXX not my account XXXX XXXX XXXXXXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXXE XXXX unknown account Thank You, XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977
Product: Debt collection

There is a number that calls me XXXX - XXXX times a day ( XXXX ) without leaving a voicemail as to what the matter is about. It started on Tues. XXXX XXXX, 2015 and has been non-stop since then. The call will last about half the length of time before my phone goes to voicemail so it 's impossible for me to answer. Then when I call back it is a phony English automated message. I have no idea what debt they are trying to collect. It 's starting to get really frustrating. 

I recently changed my address and received a bill in the mail for no-show from a doctor whom I never seen. I 'm wondering if that is from them?
Product: Student loan

ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX - ( XXXX ) XXXX shows an inquiry on my credit report from Experian. There is a security freeze on all three credit reporting agency. I called XXXX and the loan was approved and furniture delivered in North Carolina. I informed XXXX, rep, that this is a fraudulent transaction. I live in XXXX 

I want to know why a security freeze did not stop the transaction...
Product: Mortgage

I got XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to refinance with XXXX XXXX. I got my house appraised and after many months of their false promises they rejected me. I went back to my bank, Regions. I contacted XXXX XXXX several times by emails and voice mails about refinance or home equity loans. He didnt respond. My credit score was still XXXX. I finally went into the bank and talked to the home equity loan officer. My score was now XXXX. He said I didnt qualify because my score was too low. He had XXXX call me who told me the same. I have been trying to get forbearance or another program to give me relief ever since. Ive made numerous calls, spoken to numerous people, faxed in numerous times, gave permission for them to pull my bank statements, and still nothing has been done!!! I now feel theyre trying to steal my property which is worth almost four times what I owe! Ive been one payment behind since the last stimulus check and cant get ahead because I live on $ 1300/mo, but need {$1700.00} for bills. I shouldve gone to another bank. I need someone to intervene to get Regions to put me on forbearance or another program. They shouldve refinanced or given me a home equity loan when my score was high and I was contacting their loan XXXX. I became XXXX due to XXXX and need XXXX XXXX
Product: Credit card

Recently I had filed a complaint with your agency against Synchrony Bank XXXX regarding a {$25.00} Fee along with Interest charges applied XXXX my account for the XXXX Payment Method which according XXXX all of these Shop @ Home TV Programs are interest free & I believe I was Correct because Synchrony Credited back XXXX my XXXX Account all of the interest charges.So I decided XXXX check My Synchrony /XXXX or XXXX Acct and low and behold over {$450.00} in interest charges have been applied XXXX my account even though XXXX States on their program XXXX is Interest Free.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting

I only had XXXX medical bill that was sent to collections because I thought the insurance company paid it. I called the collection agency and paid the balance in full. They sent the info to XXXX and Equifax both that it was paid off, {$0.00} balance and account closed. XXXX is showing that it is paid off and closed, but Equifax refuses to show that. The collection agency changed names at one point. It was reported to XXXX under XXXX name and to Equifax under their previous name, but it clearly shows the same account number, amount, date, everything. Im trying to improve my credit and get my score above XXXX, and with equifax I am almost there. In the high XXXX 's with that collection account still showing.If they would fix it my score should come up. Also XXXX does not show my mortgage that Ive been paying for over 18 years, but Equifax does. My score with XXXX is always lower because of that.
Product: Prepaid card

MY CARD WAS ACTIVATED & FUNDS WERE USED WITHOUT MY KNOWLEDGE I INFORMED THE BANK WHO ISSUED THE CARD OF THE FRAUDULENT CHARGES & THE DENIED MY CLAIM BEFORE RECEIVING MY DOCUMENTATION.