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

I submitted a dispute with Equifax about an incorrectly reported credit card balance and incorrectly reported late payment. I also submitted a complaint to the credit card company itself. Equifax took over 30 days to complete their investigation and during my wait for Equifax the credit card company responded and fixed their error on all three credit bureaus. The credit card company sent me an email apologizing for their error and stated it 's been corrected. I checked the three credit bureaus and it was correct on all three reports. Then today, 30+ days after my initial dispute, I get an email from XXXX saying Equifax has changed my credit score, and I got an email from Equifax saying my dispute results are ready. I went in to the report Equifax provided in the email and they put the incorrect credit balance and incorrect missed payment back on my credit report! This also dropped my credit score over 50 points! I went online to my credit card to make sure something did n't happen that I was unaware of and my statement shows it is still all paid up and XXXX owing right now and it is not late or over the credit limit like Equifax changed it back to! This is absolutely ridiculous that I have to keep going through this with the credit bureaus. This really needs to get fixed quickly and the XXXX card account switched back to the correction that XXXX card services reversed earlier this month! If the credit bureaus do n't stop messing with my credit score unjustly I am going to start a class action lawsuit against them. They will be shut down. They are breaking all of there agreements made to provide better service and they are about to be held accountable for it! If they want to keep their jobs they will start doing the right thing rather than trying to ruin our scores! It 's not fair at all!! I 'm so frustrated! They seem untouchable! We need the governments help to real them in and make it all fair!
Product: Mortgage

1 YEAR AND 3 MONTHS TO DENY MY LOAN?? This is just wrong. Something has to be done about this. How can your department allow a bank to get away with this? It was only the first step and now my loan has tripled. 

BofA delayed a decision on the first step of my mortgage loan approval for 1 year. My current assigned representative, XXXX XXXX just abandoned me after a 1 year a 3 month runaround. 

I applied to restructure my HELOC loan OVER ONE YEAR AGO. BofA waits over ONE YEAR to finalize the first step in a loan process, only to deny my restructure then fails to explain why. 
They knew of my XX/XX/2015 deadline. I supplied the final paper work a month ago after going back in forth for over 1 year. BofA waits until after XX/XX/XXXX and XX/XX/XXXX to send me a denial letter. 
For over 1 year, BofA kept requesting never ending additional information. Each and every time I supplied them this info, they allowed weeks to go by and then only requested more info. 

For the extension program they say I do not meet eligibility rules but will not explain why I did not meet them. For example ; BofA recommended I apply for a 40 year term loan. Now they have just denied because it is, either more or less then their requirements. They will not tell me which. Is it more or less? Do I have to much debt or not enough? 

They have changed my assigned manager at least 4 times. 

They provided me numbers to reach them with no extensions, disallowing me to reach them. 
I have sent them an entire tax return only to be requested another years tax return as they have taken so long to process this. 

Much information I have sent or faxed was re-requested again. 


B OF A HAS NOT MADE 1 ATTEMPT TO HELP ME WITH MY LOAN. NO ONE WILL HELP. 
Enclosed document will show BofA states " We are here to help ''. 

I should qualify for the restructure of the loan. There is no reason I should not qualify.
Product: Debt collection

This is a MOBILE PHONE ; it is illegal to call this number under the TCPA and continual non-stop harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send in the request documents as indicated from Equifax to confirm my identity several times. Also mailed documents to XXXX XXXXThey re not taking the time to look at the inaccurate inquiries on my credit file. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX XXXX On XXXX are inaccurate inquiries on my credit file and I submitted proof more than once. 
XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation Of The fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ) ( Consumer Portfolio XX/XX/XXXX {$10000.00} ) 15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AND OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. REMOVE THESE LATE PAYMENTS AND INACCURATE ACCOUNTS AND INQUIRIES AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORT ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received notification that XXXX XXXX XXXX XXXX  XXXX  XXXX placed a debt on my credit account for the amount of {$530.00}. I reached out to both my insurance provider and the credit reporting agencys to notify them that this was invalid because my insurance was active at the time. They said they would confirm with the XXXX, the Insurance company reached out and said they sent over documentation that this was false information. It has now been well over 3 months and this is still placed on my credit. 

I never authorized for this to be placed on my credit report.
Product: Checking or savings account

I received a phone call, ( XXXX ) XXXX from XXXX, MI. They were trying to get access to account saying they were Current XXXX XXXX. Which my bank is with Current, an internet banking app, they were asking for my text confirmation number and I provide them the number to access account not thinking about fraud. They had said that I had a transaction from XXXX which was totally not true, so I " Tried '' contacting my bank through app messages because that's the only way of contacting them ... which was quite frustrating due to the fact that somebody had access to my account, he/she could not help for any kind of account freeze or anything so my only option is you guys. Please Help!
Product: Debt collection

I disputed with with the company in XX/XX/XXXX. The companies received my disputes according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks on my credit history have made it impossible to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
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 XXXX2
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Student loan

XXXX  forced me to take this loan back in   XXXX  , the original amount was {$5000.00}, and it was service by  XXXX   XXXX , since then I 've having been paying this loan on time but I still owe about {$3300.00} on the loan, it 's has been 15 years I have been paying this loan alone, if this was a car would be done by now. I like to complaint about  XXXX   XXXX  Navient that ripping off students like me, and they still doing this to other students.
Product: Checking or savings account

Bank of America Debit Card Disputes I sold my XXXX with my information still on it as I was told it would be wiped but it wasnt. Long story short my debit card was charged over a period of 60 days XXXX Ethernet over 40 small transactions. I talked to XXXX and they advised they looked into it and would be happy to refund me but my bank needed to request the refund. So I called Bank of America on XX/XX/30. The claim was opened and closed within days. The reason is because I did business with XXXX in the last. No investigation at all. I have an XXXX so of course Ive did business in the past but these were not my transactions and XXXX pulled up the phone and location to see this. The claim was reopened I provided the conversation transcript from XXXX to look into it again in XXXX I called five times  between XXXX and XXXX and was told no one had even looked at the claim or information provided. I then filed a complaint with a manger who was rude. XXXX what happened the claim was closed with no explanation and not decided on my favor. Still I contacted XXXX and Bank of America still never contacted them as of this complaint.
Product: Mortgage

Applied for refinance on USBank.com and got assigned to a mortgage loan officer XXXX XXXX NMLS # XXXX. He emailed some refi terms and when I asked for loan details & fee he refused to provide them.
Product: Debt collection

As noted when speaking with one of cfpb 's representatives, I am submitting more information re my recent complaint against Tenet Healthcare and XXXX XXXX XXXX. 
To reiterate briefly, on XXXX XXXX, XXXX, I visited the Emergency Dept at XXXX XXXX, XXXX XXXX, XXXX. After about 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX card, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}! 
This is part of XXXX 's response : " We have contacted our client and verified that the consumer was provided and signed a financial responsibility agreement prior to receiving services. The consumer was provided with a copy of this document at the time of service to keep for their records. '' I dispute this response as even if I did sign something ( I have no copy of this ), being at a level 10 threshold of pain, had n't eaten solid food for almost 2 days, was severely dehydrated, and due to these conditions any such " signing of financial responsibility '' was not made with informed consent - I was in too much pain to comprehend anything such as signing a responsibility agreement. ANY SIGNING WAS DONE UNDER DURESS, WITHOUT INFORMED CONSENT! 
Let 's look at who we are dealing with - Tenet - who paid XXXX XXXX a few years ago when prosecuted for XXXX fraud, and just lately agreed to pay over XXXX XXXX for XXXX fraud! XXXX executives are now charged in this recent case as well. 
My point is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS COMPLAINT. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS ABOUT {$250.00} FOR THE SAME SERVICE! THAT 'S A 1200 % OVER BILL! The blood work was not bundled, and came to {$860.00}! 
IT SEEMS TENET IS RADICALLY OVER BILLING - TRYING TO MAKE UNDERINSURED/NON INSURED PEOPLE, ESPECIALLY THIS SENIOR, PAY THEIR FINES FOR BEING CORRUPT AND PRACTICING XXXX AND XXXX FRAUD. IT IS DIFFICULT AS A LOW INCOME SENIOR TO FIGHT THIS CORRUPT COMPANY. TENET IS NO DIFFERENT THAN A XXXX THUG WITH ITS JACKBOOT ON MY THROAT THREATENING MY CREDIT RATING AND DOING ITS BEST TO DESTROY ANY PEACE I MIGHT HAVE AFTER WORKING 49 YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX    I sent a certified letter requesting disputing hard inquiries found on my credit report. Equifax responded by placing a fraud alert on my account but provided no validation.   XXXX    XX/XX/XXXX  I  sent a certified letter requesting validation for the hard inquiries and received a letter stating these inquiries have been verified.
Product: Bank account or service

I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. 

I was charged {$120.00} this month for a {$2.00} overcharge.
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. 
XXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXX/XX/2021, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from credit karma. I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a place to live for over a year due to inaccurate information being reported on my credit report by XXXX, experian, XXXX, XXXX, XXXX XXXX and others. I have contacted these companies as well as received information from the court that stated they did not report this information that these companies took it upon themselves to report this information that has caused me to have issues with finding a stable place to live. This situation has caused a great deal of dramatic damage mentally and physically. This has tarnished my reputation as a consumer and put me in a bad postion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding my credit report. As a responsible and diligent consumer, I have recently issued a properly written check to XXXX XXXX XXXX XXXX XXXX XXXX ), hereinafter referred to as the payee, to fulfill my financial obligations as outlined in our agreement. It has come to my attention that the aforementioned account is still reflecting on my Experian credit report, despite the fact that the check has been processed and the payer must honor the terms of our agreement. Experian confirms they have completed two investigations for this account. No forms or methods of verification have been issued. Experian refuses to open a new dispute without additional evidence. I have provided evidence in the form of the legal contract ( check ) and bank statement reflecting the check processed. Experian has conducted two investigations within a 72-hour time frame, which means a thorough investigation was not conducted!! 

I want to emphasize that the XXXX XXXX XXXX ( XXXX  ), which has been adopted in the state of Florida and throughout the United States, designates checks as legally binding documents when properly executed. As such, the payee is obligated to honor the check as a means of payment, and any associated obligations or debts should be considered satisfied. 

The XXXX clearly establishes the legal validity of checks, and it is crucial that you uphold the principles outlined in this widely recognized code. Failing to do so not only violates my rights as a consumer but also undermines the integrity of the credit reporting system.
Product: Payday loan, title loan, or personal loan

I applied for the XXXX  over draft line of credit that I was pre approved for. I have a XXXX credit score and little debt and they decline me for no reason since I was pre approved for the over draft. I believe there was a XXXX component or my account has been flagged for some unknown reason. Either way I was discriminated against.