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

Ive filed several of disputes with Equifax since XX/XX/XXXX - last week. Ive received an email on yesterday saying my disputes is complete. I logged in to view the results but once I click on PDF file to view it, nothing happens. I called Equifax yesterday and told the representative that Im not able to view the results online. I request for her to send my results by email but per the representative she can only mail it and it will take 7-10 days. Per the representative my account is locked. She stated that she will unlock it but I will need to wait 30 minutes to an hour before trying again. I explained that Im able to log in so my account isnt lock. Ive tried all day yesterday after the call and again on today and Im still not able to view anything! I need to be able to view my entire credit report online along with the results from my dispute. Also Ive reported a name change and address change back in XXXX when I had gotten a divorce but on yesterday the representative address me as my previous married and also stated an old address on file as my current address. I explained to the representative that all changes was made years ago and the other credit bureaus have the correct information but Equifax isnt updating any of my information! The representative did not unlock my account for me to view it online and did not address my concerns about updating my credit file. The representative release the call before confirming she updated my report.
Product: Credit card or prepaid card

Bank of America has a credit card bill/balance pay feature that overcharges my personal checking account leaving me with an enormous account credit. I then must call Bank of America, request the account credit that they erroneously charged me ( Most recently, {$1000.00} ). They then mail me a check for the amount in 7-10 business days. Between my account and my wife 's account, this has happened at least three times. 

This practice puts me at risk for overdraft in my personal bank account from which I draft these payments. Additionally, it seems absurd that Bank of America can not match the payment billed to the amount ACTUALLY OWED ON THE ACCOUNT. 

Furthermore, when I call Bank of America, the automated system offers the option to request my account credit as the VERY FIRST OPTION. This shows that Bank of America knows about this problem and has yet to do anything to fix it.
Product: Mortgage

I applied for and thought I was granted a loan modification with SPS. However I was told it was conditional not necessarily based on my making trial payments ... I completely understand that. I needed my ex-husband to sign assumption paperwork notifying the lender that I was the new owner of the home. 
Here is the background : my husband and I divorced and he quit claimed the home we both lived in to me. His name was on the mortgage statement. The divorce decree and the quit claim were both sent to the lender several times during the modification period. Eventually I was told the modification was approved but my ex -husband needed to sign the assumption document. He moved out of the country. He did sign the document. I signed it as well and it was then sent to the bank. It was difficult to get his signature as I have no forwarding address for him -- only his email. Our divorce was and our relationship still is very contentious. The bank is now telling me that I need to send in an original signature page. This would require time and effort and in the end I may not be able to get him to send me the document with his " wet '' signature. In the meantime, SPS is threatening to send my mortgage to an attorney and is telling me my home may be foreclosed on. I have had XXXX and a divorce and this has been horribly XXXX -- not making my health situation any better. SPS has been very difficult at every turn. They have a document signed by everyone that needs to sign and now they tell me they need it again.
Product: Mortgage

I had a home equity note with People 's United Bank, it was paid in full, closed and reported accordingly to the credit bureaus. M & T Bank purchased Peoples Unite Bank and then informed me that the note was still open, after further inquiries ( emails, phone calls ) I was the informed the note was closed, and then I was informed I had to pay {$100.00}, for a mortgage discharge fee. M & T Bank has since notified the credit bureaus that I have a closed equity note with them and I owe {$100.00}. My credit reports clearly shows I had a note with Peoples United Bank, it was paid in full and it is closed. I would appreciate your help, they have reduced my credit scores, and at age XXXX, you would think they would be reasonable. Thank you in advance, XXXX XXXX ( XXXX )
Product: Payday loan, title loan, or personal loan

I applied for a loan with my bank Fifth Third Bank for {$800.00}. They advised to pay in 45 days. I applied XX/XX/XXXX. I waited 3 weeks to get a check from my job. Today was the first. My check was {$860.00}. They withdrew {$820.00}. I had everything scheduled to pay my bills. My daughter birthday is next week. I had ever intention on paying, due to wanting another loan, want to keep my credit good, and a great history with my bank for 2 years. I spoke with a rep. He advised I would only need to pay on the XXXX if XXXX. Never advised of anything else. When my money was withdrawn today I called and spoke with a supervisor. She said she will coach the rep for not informing me of being able to withdraw at any time. Please help. Loyal customer. Thanks for your assistance.
Product: Credit card or prepaid card

Capital One Closed my account without my permission on XX/XX/2019. 
This dropped my credit score 60+ points. I had to reopen a new account in which im happy with however I want my old account that they closed removed from my credit report so my score can be correctly adjusted.
Product: Credit card or prepaid card

On XX/XX/2023 I contacted PayPal about an email I received indicating that an invoice for {$1400.00} was coming from XXXX  for a purchase of an XXXX in XXXX  by someone named XXXX XXXX. I wasn't sure if this was a phishing email. PayPal confirmed that indeed there was such an invoice to be paid through funds from my connected bank account. I let them know that I had not authorized this transaction nor lent anyone my PayPal account information. I had checked my PayPal account after receiving the suspicious email and actually elected to Cancel this transaction, before calling PayPal about the fraud. The rep sent me another cancellation form through my computer browser ( not email. ) Then he asked me if I could download a program for him to go onto my computer because I didn't understand what he was telling me when he said I would get confirmation of that cancellation from my bank ( XXXX ), which is a separate entity. I then went onto XXXX 's website, to my account info, and did not see any confirmation from XXXX as the rep had told me. So, he accessed my computer. Then he asked me to download an app called XXXX  from the App store onto my XXXX. I did that, and he accessed it and told me that there were other charges coming in, including one from XXXX for a recipient named XXXX XXXX, and others for XXXX puchases. I was able to verify that someone named XXXX XXXX did add themselves to my XXXX recipient list and that they tried to get {$300.00} from my bank account on XX/XX/2023 as I was on the phone with the PayPal agent. I got off the phone with PayPal and contacted XXXX XXXX  via phone, and they were able to reverse/cancel this charge immediately. Today, XX/XX/2023, I attempted to close my PayPal account online in order to prevent any further fraudulent attempts to get money from my bank account. I got a message saying I couldn't close the account. I have both a Credit Card account and an account that goes to my XXXX banking account through PayPal. I contacted via telephone ( and internal XXXX  text ) a representative from XXXX named XXXX XXXXXXXX ( credit team ) and she told me she couldn't close my Credit Card account because it was connected to my other account ( connected to my XXXX  account ). This did not make any sense to me. These are separate accounts. PayPal kept asking me why I wanted to close the accounts. I told them that it is my right to protect myself and that I felt the account was compromised. They shouldn't make it difficult for me to close my account with them.
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing with Portfolio Recovery Associates so many times and I keep asking for proof of the original signed documentation from the original creditor bearing my signature and they yet to applied with my request, they just keep sending a letter with the there information saying that they have the right to contact me because the account has been sold to them. Section 609 says I can request the original signed copy of the credit application. I do not recall accounts.
Product: Debt collection

This creditor has placed an account on my credit bureau despite having the information in their possession that shows that the notice of the debt was mailed to THEMSELVES and not to me. Despite multiple attempts to discuss with XXXX at the leasing office, they mailed a notice to their own address with no APARTMENT number for the notice to even be forwarded and the mail MUST have been delivered to them, as it was sent to their own address as shown in the letter uploaded to the CFPB by the RentDebt employee.
Product: Credit reporting or other personal consumer reports

The credit reporting agency XXXX stated that this collection account was property investigated and came back as verified. However, how is this true when there is no proof of this account belonging to me? No evidence of a signed contract of the debt with the creditor and I have had trouble with other inaccuracies that were previously on my report that were removed due to them being invalid and fraudulent.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit card

recently i talk to best buy credit card about the interest charge.almost XXXX dollars where from they say first i have a late charge i said i talk to your customer respentive they say will take care for me i say i pay full amount for last XXXX statment why i have interest charge they said because the billing cycle i say every credit card i pay only pay for stament amount not worry about your billing cycle i ask them to to take care they refuse to take care you need to pay for billing cycle interest i feel that they are not honest to customer they are cheating.
Product: Credit card or prepaid card

On XX/XX/XXXX, a credit in amount of {$170.00} was issued back to my bank by a vendor for a purchase return. I presented written proof of this credit from the vendor to my Visa card on 5 separate visits to Wells Fargo Bank, XXXX, KS. A Wells Fargo loan officer did several 2 hour searches for the credit and claimed it was never made. I showed written proof of the return credit to my account from the vendor, XXXX XXXX XXXX, XXXX, IL to the bank on each visit. Wells Fargo has not provided me with written proof showing the credit was received or returned to the vendor. The credit was issued to Visa Debit Card NO : XXXX XXXX XXXX XXXX, exp XX/XX/XXXX. 
I have spent several hours on the phone both with the vendor and Wells Fargo Bank in addition to my 5 visits to the bank all to no avail -- the bank still has my money and is refusing to cooperate with me or credit the money back to my account. 
I have 5 letters from Wells Fargo Bank in reference to their claim NO : XXXX Two of the bank officers involved in this dispute are Mr. XXXX XXXX and Mr. XXXX XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX, phone XXXX.
Product: Mortgage

In XX/XX/XXXX I applied to Chase for a short sale of my home which has a troubled mortgage due to repeated unemployment. The decision on XX/XX/XXXX was non-approval for the reason " The property is n't occupied by the owner and has been rented for more than XXXX year. '' I had left the area for a business opportunity, returned, had a XXXX day gap between when renters would leave and when the buyers wanted to close and had no knowledge during the XXXX month long application process that I would have needed to occupy the home. The non approval has killed the sale and almost ensured foreclosure. I was told by the representative at Chase that the HAFA program, which allows short sale of a tenant occupied property, ended in XX/XX/XXXX. I believe that is no correct and that the XXXX deadline is XX/XX/XXXX and that Chase had an obligation to consider me for this when short sale was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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: Debt collection

On XX/XX/2022, sequium asset solutions LLC, added a collections account to my credit report of over {$300.00} without any notice, letter, phone call, email, text, visitation etc. I have not heard from these people a single time. I even tried calling them once and I couldn't get a hold of anyone.
Product: Bank account or service

Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.
Product: Mortgage

Within a five month period Suntrust mortgage has gone up on my mortgage over {$1400.00}. I went from paying {$4100.00} a month to effective XX/XX/XXXX to {$5400.00}. XX/XX/XXXX was the first raise from {$4100.00} to {$4700.00}, then I received a notice in the mail yesterday that it is going from {$4700.00} to {$5400.00} all this within a five month period. Approximately in XXXX or XXXX of XXXX they sent me a letter stating that their flood maps, not FEMAs, has me in a flood zone and they were giving me a flood insurance policy of approximately {$2700.00}. To me it is not fair impose on such a hardship for me to keep my family home. I have attached FEMA flood maps, the Suntrust letter informing that I am in a flood plain on their maps, the documentation that they sent me saying that I have a {$5000.00} deficit in my escrow and that is why my payment is going up to {$5400.00}. Im not delinquent and I have not missed a payment. I have gotten no notification from the county that my taxes have gone up. Suntrust gets a notice every year from the county showing what my taxes are, and they have not increased, so I dont see how there is a shortage in the escrow account. In addition, they now sent a letter stating that they have cancelled the insurance, without telling me what insurance was cancelled, or without reduction to my payment. They also have moved it to another servicer, but Suntrust still owns the loan. Also, they have removed the loan from my credit report. For Suntrust to raise my mortgage by almost {$1500.00}, without a justified reason, has caused me great hardship. I am sending some information now, and will upload additional documentation within the next couple of days.
Product: Credit reporting or other personal consumer reports

I got my latest credit report and I noticed an inquiry that doesn't belong to me, this inquiry came from light stream loans, we see that the date on it was late XX/XX/2024, but we never applied for any loan, i would like this removed since it doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus for their failure to remove late payments from my credit report. I initiated a dispute more than 30 days ago regarding the presence of these late payments on my report, and to my dismay, the credit bureaus have not verified or taken appropriate action to address this issue. This inaction is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ) ( 5 ) ( A ) and section 1666b.

The late payments on my credit report are inaccurate and have had a significantly negative impact on my creditworthiness. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. Additionally, section 1666b of the FCRA mandates that the credit bureaus must promptly remove inaccurate or unverifiable information from a consumer 's credit report.

It is crucial for the credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) and conduct a thorough investigation to verify the accuracy of the reported late payments. However, despite the ample time provided, they have failed to fulfill their obligation to verify each late payment. It is the responsibility of the credit bureaus to verify the accuracy of these late payments.

Specifically, Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. By not verifying these late payments within the specified time frame, the credit bureaus have violated this provision and further harmed my creditworthiness.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. This has been a ongoing issue since 2020. Despite the attempts they have still 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Payday loan, title loan, or personal loan

there is a company called cashnet who keeps calling me multiple times a day at my cell phone number which has been on the do not call list since 2011 ... they call before XXXX XXXX.. and after XXXX XXXX and several times during the day. so far just today they called me at XXXX XXXX this moring XXXX again and then at XXXX XXXX ... I told t he one who called at XXXX don't call me anymore and to remove my number from their call list ... he assured me he would and promptly hung up.. an about two hrs later I get another robo call from the same company.. i called them back seven or eight times asking to speak with a supervisor and they kept hanging up.. and then she asked me what was wrong with me ... and i said i don't want you to call my phone anymore. she said well stop calling me i don't have time to waste talking to you. and hung up.. i called back and said when your company stops calling me i will stop calling you back. I have never given this company my info. i have never asked for a loan from them and they are harassing me and i want to press charges against this company.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : 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 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 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 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 XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this