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

After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under MIDLAND CREDIT MANAGEMENT and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
Product: Credit card

While in XXXX, a gas station attendant stole my credit card and fraudulently charged to it. I immediately disputed the charges with Barclaycard. Barclaycard sent me a letter saying that they investigated the transaction and their research indicated the transaction was valid. The letter says that the results of their investigation were enclosed with the letter, but nothing was enclosed. I called to resolve the dispute and spent over 1 hour on the phone, mostly on hold being bounced between departments because Barclaycard could not figure out whether this was fraud or not. I still have not received resolution on this matter. Is their strategy to make customers hold for so long that they eventually give up?
Product: Checking or savings account

The business account claim to be free for XXXX after submitting XXXX as proof. I have tried multiple times with multiple bankers to fix this problem but no solution was presented. I was promised debit card capabilities as well but nothing promised was true. Now I'm unable to run my business efficiently and in financial distress in part for this matter. 

XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00} XXXX : XXXX {$15.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Product: Vehicle loan or lease

Got finance through credit acceptance the self-explanatory and they're still saying I owe XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.
Product: Vehicle loan or lease

As a co-signor, I was not aware that this account was considered a charge-off while waiting for account holder 's insurance to pay for vehicle. It was determined that GAP insurance would not pay the remaining balance. I as the co-signor, did not know the account was past due or in a charge off status, because I was not made aware by the company. I contacted the company in XX/XX/2020 to ask about my SCRA benefits as a veteran, and was denied those benefits. The account has since been paid but was reported as a charge-off on my credit report without my knowledge. I am in the process of trying to buy a home and the negative remarks from this account, is hindering that. Especially because I was not aware of the delinquencies.
Product: Credit reporting or other personal consumer reports

I opened an account with Lowes. Used the card at the local Lowes store. Never received a bill from Lowes. Received a collection letter from Synchrony Bank who apparently runs the Lowes credit card saying I never paid the bill of approximately XXXX. The charged be twice that amount in late fees. When I inquired with Lowes as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing. So as soon I I received the collection notice from Synchrony Bank I paid the entire balance. Synchronicity issued a negative report to the credit bureaus that resulted in a dramatic drop in my credit score. I purchased furniture from a local retailer last year and the same thing happened. Turns out Synchony was also the credit card issuer for this store as well. Bottom line is Synchony Banks deceptive practice of forcing e billing on consumers without notification and their aggressive collection reporting is harming senior citizens like myself and needs to be stopped.
Product: Credit reporting or other personal consumer reports

I opened an online savings account with XXXX XXXX ( a part of XXXX XXXX ) on XX/XX/23. They approved the account right away and prompted me to deposit the money. I had to wait for them to approve my husband as a joint account holder, and it took them 11 days to do so. Nobody ever questioned our identity at any point during that process. Once he was approved, we sent them the money from another bank. Right away, they froze our online access and would not even give me the reason why. I continuously tried to find out when I would be able to access our account, especially considering that I could not even see if our transfer went through. They denied me access and would not disclose their reasons for blocking me from my online account or give me a timeframe when I could gain access to my own money. 

In the meantime, I did some research on this bank and found hundreds of complaints about this shady practice that followed the exact same scenario. This bank would arrest their customers funds for weeks or even months at a time. Right away, I demanded, via chat with the bank, that my account be closed and our money returned to us. The chat transcript that I saved clearly shows that I was the one closing this account even before there was any money in it. 

They did close my account but sent me a letter saying that it was their initiative, and they reported negative information to the consumer reporting agencies. I was not worried at the time since I did nothing wrong and was not expecting this bank to report anything of that sort. As I just found out, when applying for a checking account with a different bank, and was denied, that apparently, XXXX XXXX reported identity fraud, which is an outright lie as it has never happened. They never even tried to verify my or my husbands identity. This reporting is outrageous, and damaging, and seems to be done with malicious intent to damage my record. The only fraud there was their own when they XXXX our money under the pretense of " reviewing '' the account, for some reason even their representatives could not explain. 

This banks shady practice should not be permitted as they trick their customers into giving them money, and right after the transfer, they block online access to that money.
Product: Mortgage

on or about XX/XX/2018 we received a phone call from Freedom Mortgage offering us a modification for our present home loan. Due to the Storm activity in this area of Florida, Freedom solicited us for our acceptance of their modification product. We discussed their offer and agreed to accept only if they assured us that there would be no penalty imposed upon us such as increasing our present Interest Rate which is 3.5 percent. It was clearly discussed and agreed that there would be no penalty imposed upon us. After the modification period had ended and terms of accepting the modification were satisfied, to our Shock ... Freedom Mortgage informed us that we must now have an increase of a 4.875 Interest Rate imposed on our loan. This is not fair, not what was agreed to, unjustified and without integrity.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReportXXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  FINANCI XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Equifax for Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to exercise due diligence in processing and reporting accurate information to my credit file. 

Despite submitting certified documents, including my current lease, W-2 with complete SSN, paycheck stub, birth certificates, Georgia ID , and USPS address change form, Equifax has repeatedly neglected my requests to update my credit report with accurate information. This includes my legal name, XXXX XXXX XXXX, my address at XXXX XXXX XXXX XXXX, and my employment details at XXXX and XXXX XXXX, which are correctly reflected in my reports with XXXX and XXXX. 

This negligence violates multiple provisions of the FCRA, specifically : 1. **Accuracy and Integrity Requirement ( 15 U.S.C. 1681s-2 ) ** : Equifax is mandated to ensure the accuracy and completeness of the information it reports. The failure to correct and update my personal information constitutes non-compliance with this requirement.

2. **Procedures for Consumer Disputes ( 15 U.S.C . 1681i ) ** : Equifax is required to conduct a reasonable reinvestigation of any disputed information. Despite submitting disputes and supporting documentation three times, Equifax has failed to take appropriate action to rectify these inaccuracies.

3. **Enforcement and Non-Compliance** : Under the FCRA, failure to comply with accurate reporting mandates can result in regulatory action, penalties, and potential damages to consumers for any harm caused by inaccuracies in their credit reports.

Equifax 's failure to accurately report this information has severely affected my ability to secure financing for both personal and business purposes. Lenders have reported difficulties in locating a credit file that matches my legal and given information, which has been problematic for accessing credit and accurately assessing my current creditworthiness.

I request immediate correction of my credit file to accurately reflect my personal details and credit history. Additionally, I urge your office to investigate this matter thoroughly to prevent further violations and to ensure Equifax complies with the FCRA.

Please provide a written response acknowledging receipt of this complaint and outlining the steps Equifax will take to resolve these issues promptly.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXXXXXX XXXX  XXXX ] Enclosures : Copies of supporting documents ( lease, W-2, paycheck stub, birth certificates, Georgia ID , USPS address change form )
Product: Checking or savings account

I am Citi bank Accelerated savings account. Number for last 4 digits as XXXX. 
Name XXXX XXXX. They had a promotion code and now they do not honor the terms of the marketing promotion. XXXX XXXX. account was opened on XX/XX/XXXX. 

I talked to them on XX/XX/XXXX to find when AA miles will be credited to my airline account.
Product: Checking or savings account

Unable to open an Business Account In the branch they tell me that I can not open business account because I have pending amount due but I do not have debts with TD Bank and if there is any debt it must be the product of an account opened fraudulently and the issuie and problems are at the branch in XXXX XXXX XXXX XXXX XXXX FL XXXX They don't want to attend to me and they decriminate me. I do not have negative situations in my consumer report from XXXX XXXX  with TD Bank The bankers of that branch are those that are harming me and discriminating.
Product: Student loan

On XX/XX/XXXX, the Federal student loan flexibilities for the COVID-19 emergency have been extended through XX/XX/XXXX. 

On XX/XX/XXXX, FedLoan Servicing recalculated my monthly payment for my Income-Based Repayment ( IBR ) plan. " We used your income documentation and family size to determine your monthly payment of {$190.00} which is first due on XX/XX/XXXX. * '' My new monthly payment amount is " effective for all payments due between XX/XX/XXXX and XX/XX/XXXX. '' Since I am currently on a deferment or forbearance, I am " not due to make my first IDR payment on XX/XX/XXXX '' ( the account letter is on file at FedLoan Servicing, PHEAA ). 

On XX/XX/XXXX, FedLoan Servicing RECEIVED my ( YOUR ) PSLF FORM, and notified me with a letter about the receipt ( my account letter is at the FedLoan Servicing, PHEAA ). 

On XX/XX/XXXX, AFTER FedLoan approved my IDR Plan, and AFTER FEDLOAN RECEIVED MY LIMITED PSLF FORM/APPLICATION, FEDLOAN SERVICING reviewed my Income-Driven Repayment ( IDR ) plan form and could not process ( DENIED ) MY request for the following reasons : " MISSING INFORMATION - SUPPORTING DOCUMENTATION NEEDED : To continue processing your request, please provide a copy of your most recently filed federal income tax return or tax transcript and the enclosed page within the next couple of days. '' In all previous ( Nine ) years, FedLoan was accepting my paystubs as valid documents for re-certification, and just now, this year, FedLoan denied my most recent paystubs, where my yearly and monthly salary is printed. 

I allege that FedLoan purposely rejected my IDR application in order to disqualify me from the Limited PSLF Program, after I consolidated my student loans on XX/XX/XXXX, for which I have already had XXXX certified payments toward the PSLF Program, certified by FedLoan Servicing. This has happened on the same XX/XX/XXXX,, when " on XX/XX/XXXX, the U.S. Department of Education ( ED ) extended the student loan payment pause through XXXX XXXX, XXXX. '' This is an unlawful violation of the New Regulations toward the Limited PSLF Program. I sent an email/A COMPLAINT to the Press Office XXXX XXXX XXXX ) XXXX, U.S. Department of Education . 

More importantly, FED LOAN SERVICING DENIED MY APPLICATION AFTER " the Federal student loan flexibilities for the COVID-19 emergency have been extended through XX/XX/XXXX '' I insist an immediate reinstatement of my IDR ELIGIBILITY per my first original approval by the FedLoan Servicing on XX/XX/XXXX. My IDR plan, or Income Based Repayment Plan eligibility must be stated in a FedLoan Servicing written letter, and mailed to my home address. 

" The U.S. Secretary of Education XXXX XXXX stated, Today ( XX/XX/XXXX ), the Department of Education will begin to remedy years of administrative failures that effectively denied the promise of loan forgiveness to certain borrowers enrolled in IDR plans. These actions once again demonstrate the XXXX administrations commitment to delivering meaningful debt relief and ensuring federal student loan programs are administered fairly and effectively.
Product: Credit reporting or other personal consumer reports

Equifax continues to report incorrect information in my consumer report. There is a collection account listed as Account # XXXX that has no name or other identifying information listed. This is incomplete information and a violation of my consumer rights. Equifax needs to validate this information or remove it.
Product: Credit reporting or other personal consumer reports

I just checked my credit report, and I don't understand why this collection is showing on my Transunion and XXXX credit reports because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. I also have the right to privacy, and these Credit Reporting Agencies and this company are violating it by putting this inaccurate account on my credit reports. Delete this inaccurate collection account and mail me a corrected copy of my credit reports. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX Addres : XXXX XXXX XXXX XXXX, Fl XXXX { XXXX } : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Va XXXX RE : Validation Required { curr_date } Re : Account Number XXXX ) is reporting a balance of {$20.00} Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), I am entitled to receive a detailed description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher of information who was contacted during the verification process. Furthermore, the Truth in Lending Act ( TILA ) mandates that accurate and transparent information is provided to consumers, particularly when it concerns financial transactions or obligations. 
To comply with both the FCRA and TILA, I respectfully request the following : 1. A full description of the procedures used to verify the information in question.

2. The name, address, and telephone number of the entity or creditor who furnished the disputed information.

3. Copies of any documents, records, or contracts you relied upon in making your determination.

4 Send me proof that you are licensed to collect debt in the my state.

5 Set lisation aguest, XXXX XXXX lifted a under ane roepti letter sent as my formal I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 


Sincerely XXXX XXXX XXXX
Product: Debt collection

Somehow this company has obtained my work phone number. A co-worker came by my desk to ask me if I was XXXX ( maiden name ), since she knows me by my married name. I said well yeah, but that has n't been my name in over 5 years, she then said oh ok well there is a XXXX XXXX asking for you on hold I picked up the phone and this man immediately began to yell at me about an outstanding medical bills. I have no outstanding medical bills. I kept trying to interject to ask him to please not call me at work and he continued to talk over me and yell, refusing to let me get a word in edgewise. Completely rude and unprofessional. If indeed I owed anything, NOT the way to do business and certainly not any way to get anyone to willingly cooperate with you.
Product: Mortgage

Interest rate on mortgage was more than double prime rate for at least 7 years. Interest rate on mortgage was 7.5 % when the prime rate on mortgages was XXXX %. After 30 years I had to refinance at 2.8 % the rest of the principal. I ask US Bank to lower the interest rate for years and was denied.
Product: Bank account or service

My bank reordered transactions in order to charge more overdraft fees from my checking account. They took the largest withdrawal first, in order to overdraw the account, then charged {$37.00} for each additional withdrawal, for a total of {$180.00} in overdraft fees. When I called to inquire about why they reordered the charges, they said " that was their policy. '' I believe this a predatory policy and First National Bank has previously settled a class-action lawsuit related to this.