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

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : PHH MORT SVC XXXX Date Opened : XX/XX/XXXX Balance {$470000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Product: Debt collection

AD ASTRA RECOVERY SERVICES, INC was collecting money on the behalf of XXXX XXXX. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXXn credit report and this company AD ASTRA RECOVERY SERVICES , INC name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
Product: Checking or savings account

On XXXX XXXX and again on XXXX XXXX, XXXX  I requested a wire of funds from my Synchrony savings account to a third party checking account i own. Instead, I was told that wire team and services were only available if I held on the phone for several hours minimum and could be at least one full day.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my disappointment and frustration regarding the initial attempt made to address the issue of late open accounts associated with my account. 

As a valued customer of your company, I have always appreciated the quality of service and reliability you have provided. However, in recent months, I have encountered challenges with the timely opening of accounts, which has resulted in significant inconvenience and financial strain. 

Upon noticing the occurrence of late open accounts, I promptly reached out to your customer service department in good faith, seeking assistance in resolving the issue. Despite providing detailed information and expressing the urgency of the matter, the response I received was inadequate and failed to provide a satisfactory resolution. 

The lack of prompt action to rectify the late open accounts has not only caused frustration but has also resulted in additional fees and penalties that could have been avoided with timely intervention. Moreover, the delay in addressing this issue has eroded my confidence in your company 's commitment to customer satisfaction and efficient service delivery. 

As a loyal customer, I expect and deserve better treatment when encountering issues such as this. Therefore, I am requesting the following actions be taken to address the shortcomings of the initial attempt to correct the late open accounts : A thorough review of the communication and actions taken in response to my initial complaint to identify areas for improvement. 
Immediate resolution of all outstanding late open accounts associated with my account, including the reversal of any fees and penalties incurred as a result of the delay.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including improved communication protocols and proactive monitoring of account statuses.

A formal apology for the inconvenience and frustration caused by the ineffective handling of this matter.

I trust that you will treat this complaint with the seriousness it deserves and take proactive steps to address the underlying issues. I value our business relationship and hope that through effective resolution, we can restore trust and confidence in your company 's services. I am asking for your assisstance to correct the late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00}.
Product: Credit card

I didnt make the purchase and there are 3 charges on my account. I contact Apple Card support so many times they always promise will help but never done anything. My case keep reopen and closed. Then reopen and closed again for 2 years. I kept calling agent but same thing. And they laughed at me when I call for looking for help. The 3 transactions amount and date : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX. Please help
Product: Debt collection

They violated a reporting law and I asked them to remove the collection off my credit report. They have not responded concerning this portion of the letter. They have unlawfully reported this debt to the credit bureaus. Their offenses have amount to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not given them permission to access my credit profile and they have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment. They have not responded to me addressing this issue and this is my complaint.
Product: Student loan

Trying to pay for student loans in MyGreatLakes.com requires a PHD in shadiness to not get scammed. My account is 3+ years paid ahead, I make minimal monthly auto payments and one time additional payments each month. I have now 4 loans vs. 5 after making several large one time payments to pay off the loans. What was scammy about the process is realizing the timing of when additional payments are made can have significant impact on how the additional amounts are applied to the principle and ultimately impacting the amount of interest you pay in total. Simply clicking on the screens to have 100 % of your payment directed to a specific loan, doesn't always end up the way you think! 

Why would it matter if you are paid ahead is what conventional logic would suggest. Because you aren't shady like My Great Lakes, you don't understand. Here 's what I've come to realize.. 

If you want to pay ahead and have the additional payments directed at your specific loan ONLY ( vs. peanut butter spread ), you need to meet your monthly minimal and any interest accrued. 

XXXX Example : your loan payment is due on XXXX of the month - XX/XX/XXXX- Minimum payment applied. $ spread like peanut butter across all loans as expected. 
- XX/XX/XXXX - additional payment applied. $ considered payment to next month but still peanut butter spread across all loans even though you tell them it is to be 100 % directed to a specific loan even if the amount you set for additional payment is higher than the monthly minimum payment. Scam. You'd think just the amount up to the minimal payment amount is spread like peanut butter but nope ... the whole thing. 
- XXXX - additional payment applied and you are now paid ahead for next mont. Only now will your payments be 100 % directed as you choose. 

_______________________________________________________________________ The above is still true even though I'm 3 years paid ahead. SCAM. SCAM. SCAM. 

So beware. When paying ahead, schedule the additional payment on the same day as the monthly due date OR make multiple payments to 'test ' the waters to confirm the payments are getting correctly allocated.
Product: Checking or savings account

BMO savings/checking account had several transfers going in and an ACH had processed for XXXX. The debit processed and posted, leaving account temporarily at a negative. The receiving merchant, XXXX XXXX XXXX, recorded the payment. No chargebacks or requests were filed on my end or merchant. 2 days later, as deposits were starting to post, the {$420.00} was posted BACK to acct and hold. I sent a detailed message to BMO regarding incoming transfers and the overdraft and asked why that payment had been rescinded. XXXX XXXX XXXX corporate office had the payment as POSTED and current. Their app showed now the acct was past due, even though the corporate office showed payment. XXXX XXXX XXXX forwarded the notice by me to their appropriate department with investigation # XXXX. I have been a timely paying customer for 5 years. This problem occurred when I switched to XXXX in order to attach bank to a family trust. I never heard back from BMO. 12hrs after I messaged in detail about why funds were being pulled back after posting, the BMO acct was closed without notice, with deposits in it. I immediately had my main bank cancel ALL out going transfers that had not posted. Unlinked BMO. Now I have pending transfers stuck in limbo. BMO never responded, answered my concern and notice. Just made the acct unaccessible and closed with money in it. XXXX XXXX XXXXXXXX never requested a return. I didn't request a return or dispute. I also had another utility payment sent back during this time. This caused merchant acct to go past due end of week after original payment, though overdrawn at the time, posted complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts, Equifax and XXXX  will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because Equifax and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from Equifax which has all the relevant details. 

Equifax and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from Equifax was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.
Product: Credit reporting or other personal consumer reports

Credit Bureau Name : EQUIFAX Credit Bureau Address : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I don't believe this account were ever paid late as it is reported on XXXX. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 


After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and Bankruptcy XXXX 7-discharged Reference XXXX, 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 accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

today on XX/XX/2023 I contacted equifax about a fraud account on my equifax credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my equfiax account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. equifax is being deceptive and i do not like that.
Product: Mortgage

We are in contract with the XXXX XXXX XXXX for XXXX XXXX XXXX using XXXX funds and a lien against our home for approximately {$50000.00} to complete these repairs. However, less than 50 % of the repairs had been completed when our home was destroyed by hurricane XXXX on XX/XX/2024. Any of the projects that were completed or now destroyed, and the XXXX XXXX XXXXXXXX has not offered any resolution or even a response to multiple emails. We are victims of a natural disaster. Federal provides the use of XXXX funds to be used to, " help low-income individuals ''. However, due to the changed circumstances-this loan/lien for unfinished work does not help us at all. In fact, it will cause undue hardship in securing financing, refinancing options to fix our home in the near future. Our loan should be canceled due to the circumstances and the fact that the work/contract is incomplete, not inspected and can not be completed or inspected. We are victims of disaster with FHA mortgage. 

*I have proof of emails, contracts, photos and videos.
Product: Credit card or prepaid card

I received two AmEx prepaid cards as a gift recently. Card number XXXX with a balance of {$150.00} and card number XXXX with a balance of {$200.00}. I attempted to use these cards to pay a bill in amounts equal to the value stored on the two cards and the transaction was declined because the merchant first authorized the card for {$0.00} each leaving the available balance short by XXXX XXXX each. 

I called customer service and asked if they could temporarily add a XXXX to each card so that my transaction would go through and they said that was not possible. They then asked me to reduce my transaction amount by XXXX cent - which would have worked but that would have let AmEx keep XXXX cent on each card - multiply that by millions of cards sold and that's a tidy little profit that AmEx is fraudulently pocketing at the expense of gift card holders.
Product: Debt collection

This company doesnt have legal rights to pursue a debt in sc, nor have I done business with this company, company failed to verify debt, I never gave permission for my personal information to be used or to report on my credit
Product: Mortgage

I HAVE BEEN UNABLE TO GET THE ANSWER TO A SIMPLE REQUEST AND HAVING RECIPIENT CHANGE THE PRIOR REQUEST TO AVOID ANSWERING. I WOULD LIKE THIS TO SERVE AS A QWR-QUALIFIED WRITTEN REQUEST TO ADDRESS THE ERRORS IN THE AGREEMENT AND DISCLOUSURE STATEMENT BEARING THE BLANK ENDORSEMENT OF XXXX XXXX XXXX. I RECEIVED A COPY OF THIS ENDORSED IN BLANK DOCUMENT RECENTLY AND ASKED FOR THE TIME THAT SPECIALIZED LOAN SERVICING CAME INTO POSSESSION OF IT. THE RESPONSE WAS DENIED AS WELL AS CHANGED IN NATURE OF ACTUAL REQUEST. IF THIS IS MY ALLEDGED LOAN DOCUMENT I AM ENTITLED TO INFORMATION CONCERNING IT.
Product: Checking or savings account

On XX/XX/23 I initiated a withdrawal for {$760.00} on the Bank of America ATM located at XXXX XXXX XXXX, XXXX Ma XXXX, When I attempted to use the ATM, an error message appeared that the ATM was unable to give me money, and that my account would receive a credit. And I couldn't withdraw money successfully. I immediately called the bank, and after waiting on the phone for several minutes, the representative informed me the problem would be resolved the next day when the ATMs closed and settled. 
I was also instructed to dispute the transaction, however, due to its status ( IN PROCESS ), it was not possible to do so. 
I checked the account the next day and the withdrawal was settled but there was not any credit for the amount soI filed a dispute online and I called again, the person told me they were going to start an investigation and the money was going to be credited in 45 days, after explaining again the situation and stating that I needed the money to pay rent, he told me he was going to credit the {$760.00} in 10 business days that is XX/XX/XXXX but if the investigation was inconclusive I had to return that money, The ATMs have cameras but they told me another company manages the ATMS so that's why the process takes too long, I don't think is fair to wait even one day for the money because it was money I had in my checking account and I have to lend money from someone to pay it on time. I have called several times to talk to different agents and they all say that I have to wait and is still on investigation.
Product: Debt collection

LVNV Funding and it's partners of collection agencies are harassing me for a debt that I received a judgement against me. 

During the legal proceedings, I advised LVNF Funding that I am unable to pay the debt since I am a stay at home dad, dealing with some health issues and waiting on social security benefits.

I received text and phone calls from a number of dent collectors and one of them tried to intimidate or harass me over the phone.

The caller did not indicate who they are but said that they are trying to collect a
debt on behalf of LVNV Funding. 

A call came from XXXX and XXXX attempting to collect a debt for LVNV FundinXXXX. 

I also received a text from a number with area code XXXX ( see attached )
Product: Student loan

I have been unable to repay my loans. We make just enough to pay our bills and I even sell scrap metal to earn extra money some months. My wife has a lot of medical issues and should not be working but can not afford to quit. I myself have an XXXX and half of a left XXXX, we both have permanent XXXX., but I ca n't afford to quit either. Now Pioneer Credit is calling my family members and sending me letters threatening to garnish my wages.
Product: Credit reporting

My Name is XXXX XXXX XXXX XXXX. The current Experian credit report include information from a XXXX XXXX XXXX to include his address, credit information ( inquiries, collections ) and account that is not related to me in any form. I need this information corrected.
Product: Credit card

In XX/XX/XXXX, after filing XXXX  XXXX Bankruptcy in XX/XX/XXXX, I began my credit rebuild journey by opening a secured credit card with First National Bank of Omaha. At the time, they advertised that if you made your payments on time and managed the secured credit card accordingly, the card would graduate to an unsecured account after 11 months. 

XX/XX/XXXX will be three years that I have maintained good standing with this credit card account and it remains secured with my initial {$500.00} deposit from XXXX. I made several efforts in XXXX and XXXX to reach out to FNBO to inquire about the card being transitioned to unsecured and each time they stated that this is an automatic review process. 

Since I opened this card, I have paid off my bankruptcy early resulting in an early discharge. I've doubled my income and purchased two cars and a home. I have multiple unsecured credit lines with {$2000.00} to XXXX limits. I've paid off my FNBO card nearly every month, rarely carrying a balance to the next statement cycle. My account is on autopay to avoid late payments. Yet, I have this secured card with a very low limit hindering my credit profile. 

Unfortunately, because it is one of my oldest cards opened during my credit rebuild, closing the card will cause my score to go down. However, having the card sitting there is also not beneficial as we know when I open new credit accounts, higher limits beget other higher limits. It's a catch-22. 

I also find it concerning that FNBO has not requested my income during these automatic reviews. The income is an important piece of the review process and there is nowhere on the site that allows me to update it. How do you determine one 's full creditworthiness without the knowledge of their income? Whether or not they own their home? 

FNBO advertises that the card would graduate after 11 months ; however, that is the furthest from the truth. Additionally, they are now advertising that cardholders can qualify for additional credit limit increases after 7 months without having to send in an additional deposit. I am three years in with the same account and terms that I started with. In speaking to a customer service rep today, they are still claiming the card graduates in the 11-month timeframe. Had I known that was not the case, I wouldn't have wasted my time with FNBO and used one of the other many credit card companies that actually keep their promises and use a human to make decisions on the customers they supposedly value, not a machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts 3 times they have yet to remove these accounts that are not my accounts.