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

I have been fighting this issue for over a year now. My latest attempt was to day XX/XX/2020 @ XXXX. I have made several phone calls throughout this week to EQUIFAX. I have also sent mail out with documents to justify the incorrect information reflecting on my credit profile within the last two weeks of date XX/XX/2020. I have recently sent off more documents priority mail today XX/XX/2020. I have sent over fax mail with the documents to justify the incorrect information reporting to my credit profile on XX/XX/2020. The problem is that I have two accounts online with EQUIFAX. One is a subscription I pay monthly for Equifax Advantage Plan Subscription which is reporting my information correctly. However, myequifax.com is reporting my information incorrectly with fraudulent accounts and a fraudulent social security number as well, along with addresses that are not mine. MYEQUIFAX.COM does not require a subscription and is free to sign up ON THIS WEBSITE MY INFORMATION IS REPORTING FRAUDULENT INFORMATION. I HAVE ASKED THEM TO REMOVE THESE THINGS AND HAVE SENT IN THE DOCUMENTS & STILL NO RESOLUTION. I HAVE DISPUTED THESE THINGS BEFORE AND THEY WERE REMOVED/DELETED BUT IT IS NOT REFLECTING ON MYEQUIFAX.COM ITS ONLY REFLECTING ON EQUIFAX.COM IN WHICH I PAY THE SUBSCRIPTION MONTHLY, AND WHEN A CREDITOR PULLS MY CREDIT THESE FRAUDULANT ACCOUNTS SHOW UP EVEN WHILE IM USING MY CORRECT SOCIAL SECURITY NUMBER. ALL BECAUSE MY INFORMATION IS NOT IN THEIR SYSTEM CORRECTLY. THIS IS AFFECTING THE OVERALL HEALTH OF MY CREDIT. I CAN USE MY VERIFICATION QUESTIONS TO UNLOCK MY ACCOUNT WITH CUSTOMER CARE AT EQUIFAX AND THEY WILL ACCESS THE ACCOUNT WITH FRADULENT ACTIVITY ON THERE. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I called the companies & sent them letters pretraining to the inaccurate information on my credit file, asking them to provide me proof of this information. There has been NO RESPONSE
Product: Checking or savings account

I made a purchase online after doing so I realized the company wasn't selling why they lead me to believe I was getting. My Bank Capital one text my phone and asked if I made the purchase I replied no and then tried to call the number in the text to clarify what was going on. I tried 3 times to no avail. After a week of no contact from capital one i called XX/XX/2021 at XXXXXXXX XXXX and after asking for my social security number, phone number, account number, date of birth they told me they can't turn my card back on or update my phone number. I said well if I have verified I own this account how are you going to hold my money and tell me you can't update and I'm just out of luck no I'll close it. The Manager ( XXXX XXXX ) said I understand. I can hold this account so you can come in a close it .... He should be walked to his car! See this week I'm broke but millions of dollars are on there way to me and trust when I say I will make sure every poor person is warned about banks who disrespect them because of how much money is in there account. This is sickening, the laws are now do for CHANGE! 

I paid my credit card with the balance in this account since they would not give me my money while I was on unemployment. I was forced to use my money as best I could so this system didn't eat my coins once again.
Product: Credit reporting or other personal consumer reports

I was never late on my XXXX XXXX account. Also its closed now. It really took my credit score down. I would like it removed asap
Product: Consumer Loan

I went to a car dealer to get a car and they got the financing through a bank. I made over 20+ payments on the car and the finance company said I still owe more than what the car cost, its as if no money was made towards the cost of the car. I ask for a copy of my contract and full a full disclosure and they did not respond to my request. They claim that I was late on my payments. About two weeks later my car was towed or should I say stolen by a debt collector and no one ask me or said anything to me. I went to the parking lot to use my car to pick up my son from school and it was not there. When I called Santander Consumer USA they told me a debt collector came and took my car. That 's how I found out what had happen to my car. I have a list of questions to be answered and documents to be sent to me. ( 1 ) Credit Application ( 2 ) All accounting for the transaction ( 3 ) Full Consummation ( 4 ) Was there a Credit Sale? ( 5 ) Was all disclosure given based on Truth in Lending? ( 6 ) Was there an advance given to the dealership? ( 7 ) What was it/how much was it? ( 8 ) Who is the Creditor? ( 9 ) Who is the Seller? ( 10 ) Who is the Purchaser? ( 11 ) Who extended credit for the transaction. Any document sent to me must be Loan Level documentation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash-app ( block inc ) due to inadequate customer service and unfair practices which violates consumer financial protection act. Id like to say specifically cashapp failed to take effectively timely measures to prevent and address fraud in their platform leaving my account vulnerable and u protected.

Furthermore their dispute resolution process was very unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I have contacted reel time capital and have not heard back from this company. I was notified via phone that there is a order of location for me and that I am being sued for a payday loan with XXXX XXXX XXXX in which I know nothing about or have ever gotten a loan via the company. Im assuming this is from identity theft in which I have had this problem. I have contacted them to try to get information in regards to the matter to no avail the company has not told me anything. When I got the call about a order of location I stated to them I dont know of this said company nor have I ever done business and this is the first time Ive gotten a call in regards to this matter. The person was very rude and offered no information to me saying that this is in fact my debt and I owe money to a company I have never dealt with.
Product: Debt collection

On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, American Express. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1.  Verification of debt 2. Verification of authorization to collect debt on behalf of American Express 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with American Express attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact American Express and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted American Express to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit card or prepaid card

My experience with the company have been a total nightmare. I have an account with the company that I had to close due to all the fraudulent activity since XX/XX/XXXX. I have disputed the amount of {$2800.00} with the company and was just advised no error was found and no one can explain why. Every time the company sent a new card when it was activated unauthorized transactions occurred. This have been since XX/XX/XXXX. I have been calling and calling and there is still no resolution. I honestly feel some fraudulent matters are happening internally as well. Someone changed my username and password several times and I was advised it only could be done internally. I have spoken to several representatives and asked to speak with a supervisor many times. Every time a supervisor is requested I am kept on hold for hours and no supervisor answer the call. A supervisor finally called me back after I was advised will receive a call within 30 minutes. However, the supervisor called at XXXX XXXX  EST so I missed the call. I am working with the XXXX XXXX XXXX as well. This issue have been going on too long and have impacted my household. I was advised I will receive a provisional credit and now advised no error was found therefore no credit will be issued. The employees can not explain why and state they have not received the disputed information and I sent it 3 times and received the mailed delivery email. The account was open over a decade and now I am experiencing this. Direct deposits were made from my employer to the account every XXXX  and once made it seemed as if unauthorized transactions were made. I have not used the card since XX/XX/XXXX then called to request to deactivate it due to fraudulent activity and some how the funds deposited into the account were still used. 

I have been calling since XX/XX/XXXX ; however, the dates listed are some specific dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. This is multiple times most days. The only reason why some calls stopped for a while is because we were advised we would receive a provisional credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The account names are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which have infringed upon my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right privacy. Furthermore according to USC 1681e ( b ), consumer reporting agencies are required to ensure that whenever they prepare a consumer report, they follow procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates.

15 U.S.C. 1681c ( a ) states that no consumer reporting agency may make consumer report containing any of the following items of information : any other adverse item of information, other records convictions of crimes, which antates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.
Product: Bank account or service

Commerce bank says I have an available balance of XXXX, but they say I 'm overdrawn too. My account never went below zero. They have collected a bunch of tiny transactions for stuff that I purchase everyday. Like eight four dollar lunches. This way they can charge me a fee for each one. Remember my account never went below zero. I have {$200.00} in my wallet. This wo n't help. I could deposit a million bucks at this point in and it would n't help, because for a moment in time by their crazy accounting, I was " overdrawn ''. It is n't even the one transaction for {$300.00} that triggered this that i have to pay for -- it is a bunch of tiny transactions. This way they get to charge me for each one, turning a {$20.00} overdraft fee into a {$200.00} overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00}
Product: Money transfer, virtual currency, or money service

I tried to withdraw my money from Binance.us and its just been pending. This is my money and I get no answers from them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A 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 written consent.
Product: Credit reporting or other personal consumer reports

I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXX OFF WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL
Product: Checking or savings account

XX/XX/XXXX : Bank of America became Represenative, Assisted Living Accounts. Living at XXXX XXXX XXXX. With Mortgage and Vendor Accounts. My Vendor Account Wages Offset. Taken by Bank of America. My Mortage payments were taken. Housing Choice Vouncher. As XXXX of XXXX. Landlord to Tenants. All Landlord Guranteed Income, Incentive Payments. Collected by Bank of America. Bank of America card at ATM. Offered {$1000.00} a day. Was denied. Ask Bank of America My Represenative. The Company denied access. Have no Company. Fraud Company added to my Accounts : Company Name : XXXX XXXX XXXX. Number : XXXX - XXXX - XXXX XXXX. State XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using XXXX  address : XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Attach my phone. Adding a Recipients. Ask XXXX for Withdrawal. XXXX, neither admitted or denied. Would not release any cash. It been ( 7 ) years at XXXX XXXX XXXX XXXX XXXX, XXXX. No Payments from Rent Collected. By my Owner Represenative. Since XX/XX/XXXX to XX/XX/XXXX. Have not paid any my bills. Paid rent for Unit. I owned. Unit mold, mildew, since XXXX. No Wages for Vendor Service. Have No License. Bank of America has distribute to Recipients connected to Property : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Project : CA XXXX, Tenant/ Vendor Number : XXXX. XXXX threw Bank of America started another Landlord Account : Tenant Number : XXXX. Now have go into shelter. Need home to live. Money for bills, moving. Return of Offset payments. Thank you
Product: Credit card

I have a Bank of America credit card. I pay the balance monthly, but twice now the payment has not gone through on their Bill Pay online system, and I have been charged interest ( {$7.00} ) and late fees ( {$25.00} ). This happened most recently with a payment I scheduled online for XX/XX/year>, in the amount of {$240.00}, confirmation code XXXX. I called Bank of America on XX/XX/year> immediately upon being notified that my account was past due. In both this and the previous instance, the Bank of America representative resolved the issue, removing the late fee and interest charges. When this happened the first time, about a year ago, I thought it was a fluke. Their online payment system is more confusing than any other credit card that I have, and although the website generates a confirmation code, when I have spoken to the representatives they have told me they did not need the code. As my issues have been resolved, I have no need of your intervention, but if this is a pattern with Bank of America I want to add my problem to any list you may be developing.
Product: Checking or savings account

It is not possible to open a checking or savings account at Capital One Bank by personally walking into the bank and opening an account with someone working at the bank. I was told the only way you can open an account is by computer. Also if you already have an account you can't add your wife to the account without the use of a computer. Many people especially the elderly can't use computers.
Product: Mortgage

My escrow company has been trying to get a payoff from Novad since XX/XX/XXXX. When they called to get an update, they said 5 business days. They called on that day, and said to call back the next day, as they could escalate it. They called on day 6, and had it escalated. When they called back on the XX/XX/XXXX, they stated that they now needed another signed form to get the payoff. That was immediately sent in. They've now had to request this payoff 6 times and still, no payoff. No one responds and every person we've talked to is extremely rude. I just want to pay off this mortgage and sell my home, but Novad is preventing me from doing this, but not providing the payoff they've been asked for 6 times now.
Product: Credit reporting or other personal consumer reports

Applied for Loan wiht XXXXXXXX XXXX  went to purchase vehicle bc loan funds werent received by dealer from XXXX XXXX. Dealer funds were retracted and sent back to XXXX XXXX XXXX XXXX straight from XXXX XXXX.
Product: Debt collection

My issue is with NATIONAL CREDIT SYSTEM # XXXX who had posted many errors on my credit report. at on point the showed I owned over XXXX dollars on my credit report a few months later they changed it to over XXXX than a few months later {$1400.00} and few months later they put paid in full. I have disputed this account many times with the credit companies and national credit systems verified the account even with errors. I have request for validation of the account 3 times there failed to send it to me or they 1 time sent paid in full letter. So I requested any documention they have showing me that I paid from XXXX to the XXXX balance they show on my credit report which they will not have since me and my wife never paid XXXX on this account from {$1400.00} to XXXX they just made errors. A this point I want this account off my and my wife 's report since this account was verified and failed to follow the legal system.
Product: Mortgage

I called PNC Bank on at least three occasions to inquire as to whether I could have the escrow removed from my mortgage. Each time I called, I was told that it would be no problem and that I simply needed to pay the items currently escrowed, property insurance and property taxes, and provide proof that the items were paid in full along with a written request to remove the escrow requirement. As such, in early XX/XX/XXXX I purchased and paid in full an insurance policy along with paying my XX/XX/XXXX taxes, which are payable in XX/XX/XXXX, in full. Immediately after, I sent an email to PNC per the instructions from the customer service representatives that I spoke to, including statements and receipts for the property insurance and tax payments. I was initially given the wrong email address, so I did not get a timely response and called to inquire, when I was given a different email address. I resubmitted the request and supporting documentation and received a reply about a week later denying my request. The reason for the denial were that my loan to value ratio exceeded 80 % and I had an active mortgage insurance policy on the loan. 

At no time was I told that my request to remove escrow was contingent on anything. Each of the three representatives that I spoke to assured me that I only needed to submit the request with evidence that the tax and insurance had been fully paid. As a result of those phone calls, I made the decision to pay those items in advance. This decision was made with consideration of my budget and the impact that a lower monthly payment and refund of funds currently in escrow would have. In other words, I was planning to pay for these items with the escrow funds that would be returned to me and the money saved each month. 

I have appealed this denial through the Chief Customer Officer at PNC, XXXX XXXX. She delegated the appeal to XXXX XXXX. I have voiced my concerns with XXXX XXXX, however her position is that due to the LTV and mortgage insurance issues they will not do anything about the erroneous information I received. She told me she listened to one of the three calls I made and admitted that the response was ambiguous. She stated she was unable to locate the other two calls. 

I would not have purchased this policy or prepaid my taxes if I knew there were a chance that I could not remove the escrow requirement ; there is no reason to outlay those funds twice. I believe it's clear from my actions that I was told the process to remove the escrow and that there would be no issue with the request. Why would I be told to submit evidence of payment if there were a chance it would be denied?