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

The most recent letters that I have sent to Equifax disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of removing or even responding to the inaccurate personal information and accounts ( that I have been disputing inaccuracies for over months ), they repeatedly send me letters to STALL by stating they need XXXXwo documents for identification and current address. Here 's where the biggest problem is and COMPLETE violation of my rights. Every single letter I have sent to Equifax includes my Driver 's License for identification and Current Address, my Social Security Card for another form of identification, and a utility bill for another proof of address! I send THREE forms of documents WITH my letters to Equifax. Yet, their response to me is " Please return this letter along with the requested information and your original correspondence/request to the address below ''. WHY would I need to send in the same documents that were included in my original letters? Please see the attached letters sent to Equifax WHICH CONTAIN the identification and current address documents that they state that they need in order to " process without delay ''. Equifax is clearly operating ILLEGALLY. They continue to stall. Please see two letters sent by Equifax attached sent to me one day apart. They send multiples of these letters even though the documents they are requesting was included in ALL of my letters to them!! Equifax needs to remove the inaccurate information immediately. After multiple dispute letters to Equifax, I have received no resolution. They are in violation of the Fair Credit Reporting Act. I demand that Equifax take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance. For the record, I am attaching the two most recent letters sent to you on separate occasions. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report! It is illegal for you to keep stalling!
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. 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 XXXX, Transunion, and XXXX to reinvestigate these accounts : inquiry name : # XXXX XXXXnquiring Date : XX/XX/XXXX, Inquiry name : # XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, inquiry name : # XXXX inquiring Date : XX/XX/XXXX, Inquiry name : # XXXX, Inquiring Date : XX/XX/XXXX Inquiry Name : # XXXX XXXX XXXX, inquiring XXXX XXXX XX/XX/XXXX, Inquiry Name : # XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # XXXX XXXX, Inquiring Date XX/XX/XXXX, inquiry Date : # XXXX XXXX  XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 supposed to modify accounts that aren't reporting correctly.

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

am writing to file a formal complaint against XXXX Bank for their alleged violation of XXXX XXXX XXXX, XXXX CFR XXXX, FDCPA XXXX, and XXXX XXXX XXXX XXXX XXXX. I believe that their actions have infringed upon my rights as a consumer and have caused significant financial and emotional distress. 

I entered into a credit card agreement with XXXX XXXX on XX/XX/22. However, since the inception of this agreement, I have encountered numerous issues that have left me deeply dissatisfied and concerned about their compliance with federal and state regulations. 

Firstly, XXXX XXXX has failed to provide me with clear and concise information regarding the collection, use, and disclosure of my personal information, as required by 15 USC 6802. Despite my repeated requests for a detailed explanation of how my personal information is being handled, they have been evasive and non-responsive. This lack of transparency raises serious concerns about the security and privacy of my personal data. 

Furthermore, I have reason to believe that XXXX XXXX has engaged in unfair and deceptive practices, in violation of 16 CFR 313.7. They have consistently misrepresented the terms and conditions of the credit card agreement, leading to confusion and financial harm on my part. Additionally, their customer service representatives have been unhelpful and dismissive when I have sought clarification or resolution for these issues. 

Moreover, XXXX XXXX has engaged in aggressive debt collection practices, which have caused me significant emotional distressThese actions are not only in violation of federal regulations, such as FDCPA 807,808,809, but also demonstrate a complete disregard for consumer rights and fair debt collection practices. 

Additionally, I believe that XXXX XXXX  's actions may also be in violation of MGL Chapter 93A section 2, which prohibits unfair or deceptive acts or practices in the conduct of any trade or commerce. Their failure to provide accurate and transparent information, as well as their aggressive debt collection practices, may constitute a violation of this state law.

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against XXXX XXXX. I believe that their actions have not only harmed me personally but may also be indicative of a broader pattern of non-compliance with federal and state regulations. 

I would appreciate your assistance in resolving this matter and ensuring that XXXX XXXX is held accountable for their actions. Please find attached copies of relevant documents, including the correspondence with XXXX XXXX, and any other supporting evidence. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Student loan

Every time I make a principal only payment, the payment is distributed to all of the loans instead of just the highest interest loans. They even state on their website that when you make a principal only payment that it will go just to the highest interest loans. However, every time I make the additional principal payments, I have to go back and check all of their work. We as borrowers should n't have to go back and make sure that student loan companies are actually following the rules, they should just do so. I pay my student loans through XXXX.
Product: Credit reporting or other personal consumer reports

XXXX listed on XXXX as a collection account, not reporting accurately to XXXX, spoke with XXXX who advised they do not request documents from the creditor or require them to provide anything as long as they can provide my information to them. Advised them to correct report after dispute, balance was updated.
Product: Debt collection

Atlantic Credit &amp; Finance has be en calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about  5-10  minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  Atlantic Credit &amp; Finance,  but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
Product: Mortgage

First, my issue is not covered in the above selections. 

I'm attempting to get my overpaid property taxes back from my recent mortgage refinance. Amerihome paid my property taxes to XXXX XXXX, after I asked them not to, and AFTER I had already refinanced with another company ( XXXX XXXX ).

My double payment was required at closing, even though I had paid my property taxes to Amerihome ( {$1300.00} ).

It has now been 49 days since this double payment was made. I communicated with Amerihome, but they intentionally prolonged me receiving funds simply because they can. There is no recourse for their actions. 

XXXX XXXX refunded my double payment to Amerihome back on XX/XX/XXXX. They have kept my money for 40-45 days and have made no effort to contact me via email, phone, or mail. 
They also paid my escrow late and were dinged {$49.00} ... which I'm sure I paid somehow. 

Now they say it will be another 10-14 days of processing ... in addition to mail time. So, another 14-21 days. This is criminal. How are they allowed to do this? To keep my {$1400.00} for 2
-3 months and pay it back whenever they choose.

If their customer is one day late their credit is dinged and late fees are assessed.
Product: Credit reporting or other personal consumer reports

There is an inquiry from my recently pulled credit report on XX/XX/year> from Capital One. I did not request/authorize this. Requested information from company via mail. No response received.
Product: Mortgage

( 1 ) The quick and dirty is my house was foreclosed on in XXXX. In XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XXXX, in part, because I was still on XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XXXX this year, in XXXX XXXX, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.
Product: Debt collection

On XX/XX/XXXX I checked my emails and I found in my spam mail a collection notice from ERC a collection company out of XXXX Florida. 
Again XXXX XXXX is trying to use these third party collection agencies to collect the wrong amount. 
I never received any correspondence in the mail from XXXX XXXX in relation to any invoice that showed a balance due and or any merchandise received. 
This activity needs to cease from XXXX XXXX and they need to quit hiring these collection agencies to collect the wrong amount on a debt I assume no ownership or claim any responsibility for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer bank records to accommodate/justify the claims outlined in this consumer complaint are available upon request. It 's interesting to see the growing number of XXXX XXXX XXXX consumer complaints and negative consumer reviews vs. positive or neutral consumer reviews located at XXXX XXXX XXXXXXXX XXXX when a consumer clicks " View Customer Complaints ( 7 ) ''. My XXXX XXXX XXXX Checking and Savings account was breached AGAIN just last month and I have yet to receive a professional courtesy phone call from XXXX XXXX XXXX 's XXXX regarding ( 1 ) the fair resolution outlined in this consumer complaint and ( 2 ) explain to me why my/XXXX XXXX XXXX member accounts keep getting breached. I have been informed by XXXX XXXX XXXX 's Executive Leadership Team that XXXX XXXX XXXX has gotten too big and CAN NOT manage their account holder/member operations effectively, efficiently and with integrity. As pertains to my specific citizen/civilian/consumer incident, XXXX XXXX XXXX CHOOSES NOT TO cross-check its own/XXXX XXXX XXXX members ' Checking and Savings accounts for available/substantial funds being available for XXXX XXXX XXXX loan payments, BEFORE flagging their own members ' loan payments as " past due '', collecting various fees, conducting professional courtesy phone calls, and reporting loan accounts as " past due '' to major credit reporting agencies. From a non-collusion, consumer-centric and operational integrity perspective, the AVAILABLE FUNDS in a XXXX XXXX XXXX account holder's/member 's XXXX  XXXX XXXX Checking and Savings accounts should be cross-checked by XXXX XXXX XXXX  operations to confirm ( or deny ) that funds are available to pay/pay off a XXXX XXXX XXXX  loan and then followed up on by either an automated or personalized XXXX XXXX XXXX  professional courtesy phone call BEFORE ( 1 ) reporting honest consumer oversight as " past due '' to major reporting agencies ( 2 ) collecting various XXXX XXXX XXXX fees and ( 3 ) damaging a consumer 's immaculate loan payment history for 7 years. Again, I would like a professional courtesy phone call at the number on my XXXX XXXX XXXX account, and a letter sent to the address on my XXXX XXXX XXXX account, from XXXX XXXX XXXX 's CEO, XXXX XXXX, explaining to me, a loyal XXXX XXXX XXXX member for over 10 years, ( 1 ) why she 's endorsing and allowing known operational integrity issues to run rampant under her leadership, ( 2 ) what will be done to resolve what happened to me, and ( 3 ) what will be done to prevent what happened to me from happening to other XXXX XXXX XXXX account holders/members. I will continue to submit formal consumer complaints with any/all financial reporting organizations and agencies that are in the best interests of protecting citizens/civilians and consumers of XXXX XXXX XXXX 's misconduct until XXXX XXXX XXXX 's operational integrity improves and my desired settlement is achieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my account and there are multiple inquiries I do not recognize XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  {$550.00} XX/XX/2022 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 account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax conducted an automatic update in response to XXXX, only to verify the erroneous data is " accurate ''. It is evident because the data-furnisher itself has launched an investigation and provided a statement to me stating the information should not be in my credit files.
Product: Money transfer, virtual currency, or money service

I ordered an advent calendar from the company XXXX for {$43.00} on XXXX, 2020 using PayPal , Transaction XXXX. I have not received the advent calendar and the several attempts to contact the vendor is responded with an obviously bogus tracking number. I had requested my money back and they list a money back gaurantee on there site. The reviews for this company all list the same experience and it is very apparent that it is a scam.
Product: Mortgage

I had a mortgage with XXXX that originated in 2009. Earlier this year, XX/XX/XXXX, I understand my loan was sold to LoanCare ( a XXXX XXXX XXXX ). When I got notice of this change, I started paying LoanCare per their instructions. I have continued to make my monthly payments to LoanCare, but I have been receiving notice from LoanCare that they have not received my payment and that my mortgage has gone into default. This should be not the case because I have been paying my mortgage and the checks have been clearing my account. I have contacted customer services numerous times but have had no success in resolving the issue. I would like assistance in working with LoanCare to update my account to reflect the fact that I am not in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$1500.00} Reported balance This account below is reported wrong and is current. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance
Product: Credit card or prepaid card

On XX/XX/2022 I applied for HomeDepot XXXX XXXX  card, Immediately after submitting application on the screen stating to give them a call. I called their new account and spoke to a young lady by the name of XXXX, I had to verify my identity with her over the phone and then she placed me on hold. She came back after a 5 minute hold and stated to me I was declined because they couldn't verify my identity due to a extended fraud alert. I reply I never requested an alert and I can verify anything that needed. She stated that I need to contact XXXX and to give her a call back once I get it removed and resolved. I did just that after being one the calm with XXXX for XXXX, it was confirmed remove. Immediately tried to contact the number that was on the reference screen however kept getting a error stating I was deny and I will get a letter in the mail. At this point, I'm very upset and disappoint because my credit is my life and I pay all of my bills on time and my credit is over XXXX. Finally calling 3 different numbers, I was able to speak to a rep by name of XXXX who tried to help me. She stated that the alert was still on my credit and she needed to pull my report again. Waited on hold for 15b minutes then she cam back and saying there's and issue with my address. Going back and forth with no solutions. She stated that she needed to pull my XXXX report which is 3 pulls in less than 2 hours for 1 application which is unlawful and now she comes back and say its decline for no reason. I spoke to a XXXX XXXXHK manager which was very rude and stated that she can't give me a reason of denial. She stated the credit bureaus declined me which is a lie not truthful. All consumers have open end credit and should not be denial. I feel like I was discriminated from able to getting credit with HomeDepot pro which is unlawful. XXXX being on a phone and getting deny to no reason and to get very bad customer service is not acceptable. I'm demanding this matter be escalated.
Product: Money transfer, virtual currency, or money service

I was using PayPal XX/XX/XXXX for a XXXX XXXX the persons running it charged me XXXX for XXXX sessions I tried one session out n didnt like it I contacted PayPal to refund my money because he wouldnt PayPal then said I was in the wrong even tho I wansnt an am they wont return the XXXX since I never continued the sessions I feel this isnt right an I sent him a message asking for it back he refuSed if I have to contact the police I will n be pressing charges for fraud against him this is his message he sent to me You went straight to paypal to do your dirty work for you. 
You failed. 

I'm sorry you were unsatisfied but you had your chance to voice it. You chose not to. You instead acted like a child, ignored the warnings you were given in the voice call to begin with and then thought you'd get paypal to do your work for you. 

I will not be refunding your XXXX dollars. Paypal has agreed in my favour, you were fully and completely aware of what you were paying for, how and why you were paying it. 
Your actions just seem to be someone who just didn't like it I am under XXXX obligations to refund you. 
XXXX. XXXX so please help me I dont know wat to do an I need that money back for bills
Product: Debt collection

This is a third party debt collector who has contacted me several times threatening to sue me and take any assets I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Debt was paid by auto insurance and Gap insurance 4years ago.
Product: Credit reporting or other personal consumer reports

Upon inspection of my credit report, I noticed the following personal information is incorrect : My Name Is Being Reporting Incorrectly on My Credit Report : There should be no other names listed on my credit report. Please see the attachment for the correct spelling of my name. 
Please remove all incorrect names that remain on my credit report immediately. 


My Current Address Is Incorrect on My Credit Report : The incorrect addresses reported on my credit report are undeliverable and I don't have access to them. Please see the attachment for the correct address. 
Please remove all incorrect addresses that remain on my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 The car dealership without my consent run my credit to a lot of lender even though I have my auto loan application approved he still did it without my permission. Id like these inquiries on my credit report to be removed.
Product: Vehicle loan or lease

I offered a debt settlement to my old Auto loan company ( Westlake Financial ) I send them a letter, they called me back and accepted it ; I complete the payment and they agreed to mail me a pay for delete letter to have this collection removed from my credit report. The payment was made in XX/XX/XXXX and I still have not receive the letter. I called multiple time to see the status of my letter and each time they give me arbitrary information ( the letter was delayed, that it was sent, then that it was sent to my email ). 

To add to all that, today I checked my credit report and they did not report the balance to XXXX ( what we agree to ) but they deduct the amount I pay from the amount originally owned and reported that.