23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : 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 XXXXXX/XX/XXXX These late payments are incorrect and have significantly harmed my creditworthiness. I previously disputed these errors in a letter sent to Equifax on XX/XX/XXXX, which is attached to this complaint and includes a date and time stamp. Despite this, Equifax failed to conduct a proper investigation or provide accurate results. 

This failure aligns with the CFPBs recent order requiring Equifax to pay {XXXX XXXX for improper investigations of credit reporting errors. The CFPB noted that Equifax repeatedly failed to investigate disputes thoroughly, resulting in the continued reporting of inaccurate information on credit reports. 

Under 15 U.S. Code 1681i, Equifax is obligated to investigate disputed information and ensure its accuracy. Their failure to do so in this case constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue financial harm and emotional distress. 

I have attached the dispute letter, along with relevant documentation, including account details and evidence of inaccuracies, to support my claim. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. Additionally, I request written confirmation of these updates.
Product: Consumer Loan

Had my car financed with Westlake Financial Service on XX/XX/2016 in the amount of {$19000.00} that included {$390.00} for Gap insurance. On XX/XX/2016, had my auto loan with Westlake Financial Service refinanced with XXXX XXXX for {$18000.00}. Futhermore, on XX/XX/2016, contacted Westlake Financial Service and spoke to XXXX and requested an refund for {$390.00} for the Gap insurance. XXXX advised me that Westlake Financial Service does not issue refunds for Gap insurance for any reasons. I advised XXXX that Westalke Financial Service Gap Insurance does not transfer to my new lien holder and I should not be paying for the coverage that I do not have.
Product: Student loan

This is for both Federal and non-federal. I 'm writing to see how I can be included in the current Navient lawsuit. In 2014 I know I also made a complaint. Navient has : applied my payments wrong, refused an IBR payment plan and has refused to take a cosigner off, as well, as harassment. I have notes from 2014. This is has cause me a lot of money and XXXX.
Product: Credit card

Signed up for an American Express Platinum card with XXXX points offer. Signed up because all the reviews I saw spoke highly of American expresses customer service with their platinum members and their concierge service. After earning the points associated with the sign up bonus my account got flagged for some sort of fraud lockout and after speaking with a customer service representative ( who was very nice ) she told me it would be three weeks before they were unfroze. After three weeks had passed I went to go check my points and again was met with the same error I was then told that it would be another 3-5 weeks as it was a 6-8 week review. This was over three months ago. I escalated the case from a normal customer service representative to her supervisor and then to that supervisors supervisor. Each one told me that the department that handled this sort of fraud did n't have a public contact so I could n't speak with them, but I find that hard to believe seeing as how AMEX is such a large company. I had then asked to speak with her superior but was told they were n't available for calls and to leave a number for callback. That was three weeks ago and I still do not have a callback. 

Not only have they put a freeze on the XXXX points I had earned, but also on the points I had previously had from a different credit card. 

I simply want to speak with someone to let them know what information I can provide to elevate this fraud issue. I 've had something like this happen with other companies in the past, but they simply just sent out a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted validation of debt to experian credit bureau for a unknown collection debt for XXXX XXXX for the amount of {$900.00} and XXXX XXXX have not sent my valid proof of debt I never opened a account with this company and i want this collection error removed off my report immediately its effecting me in a negative way that im not able to purchase a home.No Action Have Been Taking From The Credit Bureau Or The Collecting Party.None of the other bureaus is reporting this error on my credit reports
Product: Mortgage

I have gotten 1-2 calls per day from Quicken Loans for the past week and a half this month telling me I was somehow interested in refinancing my existing mortgage. If I did, it was a mistake and I told them numerous times each time they called I was not interest and to take my name off the call list. I am continuing to get calls to this day. They have left two voice mails which means they are still calling me.
Product: Credit reporting or other personal consumer reports

Transunion has continued to report information regarding the following accounts despite multiple request to investigate and remove these accounts. I have no knowledge of these accounts and they are negatively affecting my credit score. The company did not provide me with proof of debt validation or the contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I purchased my home on XX/XX/XXXX and my mortgage was sold from XXXX XXXX XXXX to the company called NewRez. When I purchased my home my full payment was {$720.00} that number includes the Mortgage insurance, homeowners insurance and principal and interest. I received my first letter from NewRez on XX/XX/XXXX stating my first payment due on XX/XX/XXXX would be {$720.00}. I received a second letter from NewRez on XX/XX/XXXX stating the payment due on XX/XX/XXXX would be {$520.00}. When I called to ask why the payment changed no one knew why so I paid the full amount which I knew to be correct of {$720.00} and asked the employee to figure out where the money needed to go so my mortgage and homeowners insurance would be paid. I paid the correct full amount of {$720.00} in XXXX and XXXX and then I received an email from NewRez stating that they ran a mortgage analysis and that because I hadnt be paying enough my payment would be going up starting XX/XX/XXXX to {$760.00} when I talked to a customer service rep from NewRez on XX/XX/XXXX I asked that they redo the mortgage analysis because no one seemed to know where my payment was going I was advised it could take 30 days to redo. When I called on XX/XX/XXXX to get a status update the employee informed me that the request for the analysis redo hadnt been started and that they would start it that day so I paid what I believe to be an incorrect amount in the month on XXXX and XXXX and will probably have to again in XXXX because i cant seem to get anyone who has any idea whats going on with my account or what my payment should be every single time I call.
Product: Payday loan, title loan, personal loan, or advance loan

They falsely gave me a list of options that I would most likely be approved for. The website they sent me kept referring me to third party references who took my information down in a breach that I keep spam calls, messages, emails for. They hoodwinked to me because I spoke with a representative to make sure this wouldn't be a hard pull either. They lied. The lenders did not even do the type of loans I was looking for.
Product: Debt collection

I have student loans with XXXX and XXXX, I 've spoken with both of them and they both still have all of my loans. They 're in repayment. However, the Regional Adjustment Bureau has been harassing me and other people about my loans. They call my cell phone multiple times a day. They 've called my ex-husband, they 've called and mailed my dead grandmother. It 's straight up harassment. I do n't know how they even got all of this information. My grandmother died last year and they 're sending debt letters to her house with crazy amounts on them. How they got the new cell phone number of my ex-husband, who I was n't even married to until years after I had graduated from the college for the loans is insane. They 're ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Product: Debt collection

On XX/XX/2021, I entered into a settlement agreement with Credence to settle an XXXX XXXX XXXX XXXX debt by 50 %. The agreement consisted of 6 monthly payments of {$210.00} to auto draft. After 5 consecutive payments, the 6th was scheduled to draft on XX/XX/2021. After contacting Credence, speaking with XXXX, a manager with them, he advised me that yes we had an agreement and that I have fulfilled the agreement as promise, however he could not take my final payment and XXXX the account as settled in full, due to them not handling my account any longer. This company entered into a written and verbal agreement to settle the debt but then lied to me about settling the debt in full. Upon asking for a refund on the payments they kept, they instructed me to call XXXX XXXX XXXX even though my payments were made to them. After calling XXXX XXXX XXXX, they ensured me that they were not aware of any arrangements made on their behalf by Credence and could not assist me, only if I would pay the debt in full. No settlements would be offered by XXXX XXXX XXXX. Credence took advantage of me by promising an early settlement but could not honor it and kept the payments I had paid them and/or any income paid from other sources, such as XXXX XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX I was attempting to refinance my coop with Bank of America. 
Everything was going along nicely and we were about to close on the deal when Bank of America then had an issue with my cooperative board and the deal failed to close. 
Now, in XX/XX/XXXX, I am refinancing and I have been told that there is a UCC 1 lien placed on my cooperative by Bank of America on XX/XX/XXXX, even though I never received financing from them. They placed a lien on my stock and lease prior to the deal closing and never removed it. Now I can not close on my current refinancing until Bank of America removes this lien that never should have been placed. I have called many different BOA numbers but I can not get anywhere or even speak to a representative without a loan number and there is no loan number since we never closed on the refinancing. I have also emailed BOA 's lien release department but they do not respond. I am attaching the UCC 1 lien placed by MERS as nominee for Bank of America.
Product: Debt collection

Per the FCRA Section 609, all furnishers must validate debt. Per the FDCPA, all collections must verify debt and provide an initial written communication with information about the debt. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. ARC Management Group began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that ARC Management Group has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that ARC Management Group knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.
Product: Checking or savings account

Car loan payment was issued to come out of my checking account 5 days after the dude date and a week after it was already paid for. ( paid a week ahead! ) I called in to find out why this was and they refuse to provide this information stating I was not who I was without and sufficient evidence as to why that was. This is the second time Ive had an issue with this loan department and the credit union in general. They continue to make errors that requires time and money spent on my behalf to resolve. Unacceptable and the worst banking/ credit union Ive dealt with.
Product: Prepaid card

I received two American Express prepaid gift cards from work in the amount of {$100.00} each. One in XXXX for a XXXX gift and one in XXXX as a XXXXXXXX XXXX I have tried to use the cards at several locations without luck. The payments wont go through. I now have {$200.00} worth of gift cards that wont work. 

Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After research and talking with fellow coworkers, this seems to be a VERY common problem. 
Please can someone look into this. Email is my best form of communication.
Product: Credit card or prepaid card

I recently applied for XXXX XXXX Credit Card, the main purpose for the request was to obtain the promotion of {$0.00} transfer fee before the first 4 months. When I contacted on XX/XX/2017 the credit card company, they explained that they did n't have that promotion and will charge the higher of {$5.00} or 3 % for the transaction. I ended up accepting the charges. When I visit the website, there is a misleading promotion stating " 0 % intro APR for 21 months on purchases and BALANCE TRANSFERS '', while in small letters " There is a balance transfer fee of either {$5.00} or 3 % of the amount of each transfer ''. Its implied that when you make a balance transfer to a 0 % APR for 21 month credit card, you not going to pay APR for the balance on the credit card, if so what is the purpose of the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account on my credit reports from XXXX, XXXX and Eqifax from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?
Product: Credit reporting or other personal consumer reports

TARGET/TD XXXX I believe the information being reported to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an XXXX data Breach and also a XXXX data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.
Product: Credit card or prepaid card

Dear consumer finance Protection Bureau. 
To whom it may concerned, I wish to filed a complaint on Citibank. on XX/XX/XXXX, I applied for a debt Consolidation loan through my credit union to consolidate several accounts. But as of XX/XX/XXXX only two was not resolved, the best buy with a balance of ( {$440.00} ) and Home Depot balance of ( {$800.00} ). My credit union relationship specialist has been working on helping me in resolving this situation, but to no avail. 
sincerely XXXX XXXX XXXX
Product: Student loan

On several occasions, Firstmark Services has made promises of applying a Natutal Disaster Forbearance to my XXXX XXXX loans for wildfires experienced in XXXX County. I have had over ten contacts with this company, and on each call, they state they are submitting this to be applied and expedited, each and every time, most recently today, XX/XX/21. Meanwhile, my account continues to grow more delinquent during a time of severe hardship and Firstmark has not honored their promise of applying the forbearance to my XXXX XXXX XXXX XXXX XXXX loans. This company is absolutely subpar in terms of customer service, has caused me great distress over many contacts and still refuses to honor their promise to apply these forbearances on multiple calls spanning four weeks now. This matter is time urgent and requires immediate resolution prior to credit reporting in 6 days.
Product: Credit card or prepaid card

XX/XX/XXXX - two fraud transactions have been made on my account. Citi notified me and freeze the account. 
XX/XX/XXXX - I received my card replacement, however one of the fraud transactions still shows in my balance ( Home Depot - {$570.00} ). I notified customer service, and heard they are under investigation by fraud department. 
XXXX XXXX two weeks after the fraud transaction happened, the transaction still shows in my account. No notification or update regarding the investigation & next steps.
Product: Credit card or prepaid card

My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which Im the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last XXXX digits of credit card is XXXX it is from my XXXX XXXXXXXX XXXX rewards card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I certified mailed a Notarized FTC Identity Theft report, with clear legible XXXX copies of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me to Experian. They received it on XXXX XXXX. I called today and was told by XXXX agent that my documents weren't legible, but they were being investigated by the companies I listed as fraudulent. I asked to speak with a supervisor. I was told they can't transfer calls to supervisors. She said I would receive a call back in 3 days from a supervisor. And she also said they are investigating each account. According to 15 USC 1681c-2 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 ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

THIS IS MY XXXX ATTEMPT at trying to get this company to cash my check payment ON TIME!!!! They are messing with my payment history and credit. I have had a GM Financial loan for many years. I have always paid by check. I have mailed my check on time for XXXX years - never missed a payment or was late - all by check. This is the XXXX time now- I called GM in XX/XX/year>, they told me to try mailing my payment to the overnight address, which I now have done- but they now are playing the same game of not cashing it on time. It's due today, I mailed my check to them over two weeks ago. They lie and say they never received it. This is my credit, this is my life they are messing around with. 
This company is not trustworthy - I will not give them access to my banking info. I have dealt with identity theft, fraud, and had too many fraudulent experiences in my life to know this is a shady company who lies and won't take accountability for their negligence. I do not want negative marks on my credit report stating I had late payments ( or grace period payments ) because they won't do their jobs. This is inexcusable. CFPB - will you please hold GM Financial accountable and set some higher punishable laws for their negligence. This is the XXXX time they did this in less than one year. The trust pilot and XXXX  reviews on this company speaks for itself of their negligence and unethical ways of doing business. I have written 5 other checks this month to 5 other businesses- they were all received and cashed just fine. GM Financial needs to be help accountable.
Product: Debt collection

To whom this may concern I sent out a certified letter asking the company to send me a document bearing my signature and they did not do so. The report was removed from my credit account. The company is using illegal tactics because they sent a letter stating that it will not show up on my credit again and it did. They had numerous of time to send a letter or document bearing my signature and that never happened. I am receiving abusing and threatening calls from them saying I owe them. I dont owe them anything and I would like for this illegal tactic to be investigated.
Product: Debt collection

15 U.S.C.1692C IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CUNSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS.