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

I have mailed Equifax my report from the ftc identity theft report, along with my identity theft report that is notarized, and a copy of a police report stating that I was a victim of identity theft and Equifax fail to remove some of the accounts stated on the report. The accounts that are on the identity theft report and police report are the U.S. Department of Education, and they are incorrectly report my child support from the State of Alabama after I have disputed it numerous of times.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a 30 day late on my credit report. It's not late because I had two deferred payments. This 30 day late should be deleted or changed to paid as agreed.
Product: Mortgage

Ocwen Loan Servicing modified my loan per my loan documentation mailed to me XXXX XXXX and then again XXXX XXXX. My new modficiation should be {$910.00}. But when I go online to pay, it states that my new payment amount is {$1200.00}. I have a signed loan modification agreement indicating that my loan should be {$910.00}. Also on my statement, XXXX statement indicates in the Important News section that my new amount for my XXXX XXXX payment is {$910.00} then I received another statement about 15 days later indicating in the IMportant News section of my statement that my new upcoming payment for XXXX XXXX is {$1200.00}. They added this information incorrectly and deceitfully but I have XXXX documents mailed indicating my new payment should be {$910.00}. When I call they are telling me it will be {$1200.00}. I have emailed and faxed in the document I received from XXXX XXXX in which she signed XXXX XXXX, 2015 authorizing my new modification agreement. I need my new payment amount to reflect {$910.00} in their system
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Transunion. It has come to my attention that a XXXX XXXXXXXX XXXX credit card was opened in my name due to a XXXX data breach. I have notified the Federal Trade Commission and reported the Identity Theft at Identitytheft.gov. FTC notified me of the Fair Credit Reporting Act and the procedures the consumer credit reporting agencies must do as the law requires. 15 U.S. Code 1681c2 - Block of information resulting from identity theft -- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer; * MY I.D IS ATTACHED* ( 2 ) a copy of an identity theft report ; * REPORT ATTACHED* ( 3 ) the identification of such information by the consumer ; *ACCOUNT IS ON THE REPORT* and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY ME*
Product: Credit card or prepaid card

I filed a fraud claim with Bank of America because all my money from my unemployment was stolen. My EDD card was also stolen. I only used my Boa EDD account for digital services, XXXX, XXXX, etc. And I'd have the physical card put up, ( somewhere I thought was safe ) until I went to get it & it was gone! The date on the reply said they made a decision XX/XX/2022 but I didn't receive it until around XX/XX/2022 & without any explanation as to why they denied my claim or locked my account. All of the charges are from another state. I also ordered a replacement card and they didn't send it.. I filed a fraud claim reconsideration today XX/XX/2022 & a friend told me you guys could probably help.I would love if you guys could help me get my money back, I have 3 kids. The claim number is XXXX Thanks.
Product: Checking or savings account

I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint last year with Aidvantage and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX  out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from Aidvantage previously in XX/XX/2023 when I filed my initial XXXX  and CPFB complaints. She had also assured me that these loans would be taken off my credit report from Aidvantage by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and Aidvantage is still claiming that the information on my credit report is correct with the full balances. The balances on my Aidvantage online account are XXXX out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX  and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts below that I requested to be removed XXXX. Mississippi XXXX of XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX hard inquiries are showing on my transunion report and my credit protection that i pay for alerted me to this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my accounts, i did not solicit them and i don't have these accounts and my fraud alets i pay for notified me. I want these deleted immediately.
Product: Debt collection

I just got a notice that a company under the name of DIVERSIFIED CONSULTANTS is trying to collect money from me. 

I have never received anything from them via mail nor have they even verified who they are or what this debt is about. THERE WAS NO VERIFICATION DONE and they illegally reported on my XXXX Report without the proper verification or even demonstrating the existence of whatever it is that they say I owe them ...
Product: Credit card

Around XX/XX/XXXX, I called the number on the back of my Chase XXXX credit card. I asked the representative for the the full account balance, so that I could close down the account after paying countless dollars in interest. I was given an amount to remit, a less less than {$2700.00}. I mailed a check for this within a day. 

Two months later, on XX/XX/XXXX, I was shocked to see a {$35.00} autopay deduction from Chase. I was told this was interest, that the employee made a mistake, and that there is absolutely nothing that can be done to reverse the {$66.00} post-settlement interest charge. 

I asked the supervisor, whose name is XXXX, that she ( 1 ) refund the {$35.00} and ( 2 ) wipe off my balance. Said she had no power to due that. I asked to talk to her supervisor, she said that is not possible. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I found fraudulent accounts and this affecting my credit history, I would like them to be eliminated because they are against the law and I want to have the possibility of credit.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to XXXX  and Experian that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
Product: Credit card

Chase Credit card 's XX/XX/2015 statement showed with XXXX unauthorized cash advances and fees ( appx {$3300.00} ) which we never authorized. This was noticed in XXXX itself while accessing my account online. Immediately reported and had my card put of hold/cancel after talking with chase credit card services and fraud department. We have tried to have credit card company ( CHASE ) remove these fraudulent transactions on our account but every billing cycle them keep putting it back!
Product: Credit reporting

VERY SIMPLE. 

My bankruptcy is now TEN years old and should be removed from my credit report. 
I realize that it is due to come off in XX/XX/XXXX I believe, but I asking, in a SHOW of HUMANITY that Trans Union remove it now, just a few months early. I have worked very hard to re-build my credit after losing my XXXX, and I see no logical reason for Trans Union to insist on leaving this on my report, when clearly, TEN YEARS HAVE PASSED. 

Public Record Details Reference Number XXXX Date Filed XX/XX/2007 Date XX/XX/2007 Status Discharged Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details TENNESSEE FEDERAL COURT- XXXX XXXX XXXX XXXX , TN XXXX XXXX THANK YOU.
Product: Debt collection

They tried to get me to settle with XXXX XXXX XXXX XXXX for {$580.00}, I rejected their offer on XXXX-2017, I told them not to send me any more bills from them.
Product: Checking or savings account

A XXXX transaction for {$110.00} sent to mXXXX XXXX  XX/XX/XXXX never hit my account. I've tried contacting the bank several times either by calling them ( several hours several times ), their website, XXXX, XXXX, or even going into a local branch. Nothing. The sender 's bank has verified that the money was received by Old National Bank. It either went into a general ledger account there or was given to the wrong person.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. I have requested multiple times to show evidence that this account is mine or delete it. The only response I get is account updated.
Product: Checking or savings account

Do not use CURRENT AND THEIR DEBIT CARD. 
They closed my account with no reason and hold my money in their hands. No check was provided because of closed account. By the phone or email they keeping pretend they don't have my account on file, so agent is not able to help. I loose a hundreds of dollars because i used their service! I hope company representative goes to jail. The police report was filed against them
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX Balanced {$720.00} XXXX XXXX XXXX XXXX Balanced {$21000.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with Santander. He then informed me that it was for my XX/XX/XXXXXXXX XXXX In which I bought from XXXX   and not XXXX. I have had my vehicle since XX/XX/XXXX so I am not understanding why Santander ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with Santander or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : SANTANDER CONSUMER USA Not Proven Compliant Account : Inquiry from date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX )
Product: Debt collection

I do not recognize this debt because since 2012 I filed for bankruptcy and there is no debt left in my name. I ask for your attention in this case because I can not pay a debt that not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX never late DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU 3XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

credit was run without my permission or consent XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I am blocked from accessing the website even after providing all of the requested identity documents. I will attach those documents again so maybe this time they will actually allow me to access my credit on their website with my email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute due to an account being reported as negative showing up in my credit report when its an old closed account. I do not owe anything on this account and i have the proof. I will attach the letter from the account so you can see the reporting is incorrect. Please remove any negative remarks or accounts related to this creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

BBVA refuses to remove {$190.00} worth of fraudulent charges on my credit card. 

Between XX/XX/21 and XX/XX/21, I had a total of {$650.00} in obvious fraud ( multiple transactions in XXXX XXXX XXXX ) post to my BBVA account that had a {$0.00} balance at the time. 

My card was in my possession at all times, and I nor anyone else make these charges, nor even have any idea what the companies are that were listed, nor ever recall buying anything in XXXX XXXX XXXX ) I don't know why ( if it was part of the scam ), but some of the {$650.00} in fraud was refunded a few days later, but it left me with {$190.00} in fraud on my card. 

I contacted BBVA to dispute, and was given a case number, and was assured they could see it was obvious fraud. I then received a letter dated XX/XX/21 that BBVA was refusing to credit me for the {$190.00}. My credit card now shows I owe BBVA {$190.00} which is wrong.

-- - Further, BBVA is incompetent and should be investigated by the CPFB. They do not allow any online way to dispute the transactions, and their fraud department is out-sourced with people who frankly have difficulty with the English language ( which likely means they didn't understand many of the points I was trying to make ). 

Worse, this is a MASSIVE DATA BREACH with similar transactions hitting multiple card holders that they should have been aware of, and through incompetency MANY people are having issues with BBVA fixing the problem. In fact, three members of my family wo have these cards got hit as well ( and likely filing their own complaints ) As an example, please review comments in these links, and look at your own database to potentially take action against BBVA for their breach and lack of interest in fixing : https : XXXX XXXX XXXX XXXX
Product: Credit card

Truist Fraud Management Claim No XXXX XXXX On the ATM/ Check/Electronic Check error Resolution Form there was a mistake where the sender pre-typed some wrong information. I was sent this form and was asked me to fill out the unmarked items, after looking over the form they pre-typed on line # 5 that I had my PIN # written on the back of my card. I did not put that there and they would not let me refute the claim or ask any more questions. 

I wanted a through investigation of the initial phone conversation when I made the claim. I do not recall answering question # 5 saying that my pin number is on the back of my card. 
I also went into the branch to make a claim and it wasn't submitted correctly so it delayed my claim for two weeks, i would also like that investigated.