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

EQUIFAX I HAVE HAD NUMEROUS PROBLEMS WITH EQUIFAX STARTING FROM SOMEONE PURPOSELY CHANGING THE MONTH OF MY BIRTHDATE ILLEGALLY AND REFUSING TO CHANGE IT BACK EVEN WHEN I SENT THE REQUIRED DOCUMENTATION BY EQUIFAX SEVERAL TIMES AND FINALLY HAVING TO RESORT TO ENLISTING THE AID OF THE CFPB AND NOW, THEY ARE INTERRUPTING MY LIFE PROGRESS BY GIVING INCORRECT ADVERSE INFORMATION WHENEVER I APPLY FOR CREDIT. FIRST OF ALL I HAVE APPLIED TO SEVERAL MORTGAGE COMPANIES IN A CLOSE TIME FRAME. THAT SHOULD NOT BE REPORTED AS NEGATIVE. IN APPLYING FOR CREDIT AT CERTAIN VENUES, XXXX HAS REPORTED THAT I HAVE DELINQUENCIES AND EXCESSIVE RECENT INQURIES. I HAVE BEEN TURNED DOWN FOR MINOR CREDIT FOR AS LITTLE AS XXXX FOR A CRUISE. I HAVE A XXXX SCORE WITH EQUIFAX XXXX XXXX WITH EXPERIAN AND XXXX WITH TRANSUNION I RECENTLY APPLIED FOR XXXX CREDIT FROM XXXX XXXX XXXX XXXX FOR A CAR LOAN WITH NO PROBLEM XX/XX/2019. THEY USE EQUIFAX. THIS HAS BEEN AN ONGOING PROBLEM.THIS IS THE RESULT I BELIEVE OF OUTSIDE ENTITIES, SUCH AS MEMBERS FROM A CERTAIN LODGE ENCOURAGING TAMPERING OF MY ACCOUNT. ITS THE SAME ACTIVITY PATTERN THAT I HAVE SEEN IN OTHER AREAS OF MY PROFESSIONAL LIFE. 
I HAVE TRIED TO CONTACT EQUIFAX AND I AM CONSISTENTLY DISALLOWED TO OBTAIN INFORMATION VERBALLY ABOUT MY ACCOUNT. 
I AM SO SICK OF DEALING WITH EQUIFAX. I HAVE TAKEN THEM TO COURT. I HAVE A COURT PROCEEDING WITH EQUIFAX IN XXXX AS A RESULT OF NONCOMPLIANCE. 
THEY ARE LITERALLY INTEJECTING THEIR RETALIATION INTO AREAS OF MY LIFE BECAUSE OF RETALIATION THIS IS ONIMOUS. IF THEY ALLOW OUTSIDE PEOPLE TO INFLUENCE. TAMPERING WITH SOMEONES CREDIT THIS IS A VIOLATION OF MY CIVIL RIGHTS.
Product: Payday loan, title loan, or personal loan

Ref : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BOA Application # XXXX SBA  # XXXX EIN # XXXX My name is XXXX XXXX and I am the owner of a small business that has been greatly affected by the Covid-19 pandemic and, as such, have had to solicit a XXXX loan with Bank of America, the banking institution which I have been a patron of for many years. 

I would like to bring to your attention the behavior of one of the BOA XXXX XXXX XXXX department, XXXX XXXX. In addition to asking me and my accountant to engage in fraud by knowingly filing taxes for my corporation with incomplete, false and premature information ; she has continuously erected obstacles for me which have made it incredibly cumbersome for both myself and my accountant to comply with. 

Today she insisted on me doing something that is impossible and would not only leave me breaking the law, but leave my accountant with her license revoked. XXXX refuses to understand that despite the fact that my business latest tax filing was for the year XXXX, it is both up to date and in complete compliance with the Internal Revenue Service. This is because the business in question does not run on a calendar year but rather off of a fiscal year that commences on the corresponding day which it was created. As such, my latest and up to date filing ( which has been uploaded to the XXXX system ) is from XX/XX/XXXX and finalizes on XX/XX/XXXX. Meaning that XXXX is advising me to file a tax return for the remaining 4 months and make it seem like it is for the entirety of XXXX committing fraud in the process. 

My accountant thus concluded that to satiate her unreasonable request, perhaps uploading Bank Statements for the remaining 4 months would suffice. Sadly XXXX continues to push this narrative which, if followed, would result in my fraudulently filing a tax return with the IRS. 

I do not know who to turn to as there is little transparency on the part of Bank of America as it pertains to the XXXX loan process and I am fearful that I will get rejected for my refusal to act unethically and engage in fraud. 

Any assistance in this matter will be greatly appreciated. 
XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Child support account # XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

These people were told not to contact me. They are calling all the time! I want it to STOP!
Product: Mortgage

I have a HEI lien on my home that I am selling., with Point Home Equity Investment XXXX 
They sent me three totally different payoff amounts, I originally took out XXXX in XXXX. 
I just signed a contract to sell my home on XX/XX/XXXX, before foreclosure. 
First, they asked for the signed contract, and sent me an amount of XXXX due. This made sense, because the house sold for only XXXX, under the appraisal amount when I took out the loan. 
An email was sent with a payoff of XXXX also, several months ago. They originally sent me this before I signed the contract to sell. 

NOW- they are claiming the payoff is over XXXX. 

They are claiming, nthe home value of XXXX is the percentage they went by, when the Notice of Default was served, in XX/XX/XXXX. 
I am ready to close with the title company, but Point is kicking me while I'm down. I'm having to sell my house to avoid foreclosure I checked the Point contract and is states " in some cases of default '', the payoff goes by what the value was at the time of the Notice of Default. 
Apparently this is " some case '' because they chose to gouge me. 
There is something not right about this. 
Point low-balled my home appraisal, using their appraiser, ( bias ), when I was getting the loan.

But now they go by market value, when it's time for them to be paid back. 
They reneged on the correct payoff, the one I sent to the buyer. 
They knew about the Default all along, they are involved in the foreclosure lawsuit. 
Why even request the signed contract to begin with? 
Very unprofessional. 
And they ripped me off. 
Sneaky, unethical and unscrupulous business practice. 
This isn't the last time you will be hearing from me.
Product: Mortgage

Yes, I received a letter from a new mortgage company, PHH loans Ocwen loan services bought, they are telling me that I ; m 62 DAYS in Default which is not true, Ocwen loan services cashed both checks that I was told was not payed.So now there new Company PHH loan services are saying I ; m in default.The account number is the one from ocwen loans, so tell me how is that possible that they don't know that PHH loans now part of ocwen loan services checks were cashed.I called PHH loans on XX/XX/XXXX, and was hung up on 3 times.It was when gave the account # in about 30 sec, then I was hung whats up with that? Also they have not sent any receipts.apparently the change of address a delay, I was not a notice at all a address or new company or nothing, in fact they waited two months to notify me I was 62 DAYS in default.The same thing happened 0n XX/XX/XXXX, when had changed a new address to sent the checks to.They also let 2 months go by sending a notice, by that time got to add late fee ; s everything and threatening me with foreclosure and what not, so can you help me? Thanks XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

i opened a citi checking back in XXXX. 

here is the offer terms. it is still an active offer. 

XXXX XXXX XXXXciti.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i called citi before applying and they confirmed i qualified for this offer. 

i then applied, was approved and met the terms of the offer. despite the same, the bonus of {$300.00} never posted. i called in and week after week i was told " you met the terms, but just wait for the {$300.00} bonus to apply ''. on XX/XX/24, i called citi again as bonus still hadnt posted. this time the agent alleged that i was never qualified for the offer because i previously had a citi checking account in the past. they refused to do anything to help. this was a blatant bait and switch when i was told i qualified for the offer and met the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXXXXXX XXXX XXXX XXXXXXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and EQ hasn't been able to compile my file properly to retain accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consistently receiving frightful messages from XXXX college in regards to a loan. In the last email received, the college stated that the last payment was back in XXXX  ( 11 years ago, see attached ). However, XXXX has since shuttered due to the borrower defense case ( Sweet vs Cardona ). According to the Department of Education, the student loans have been approved and balances will be erased ( see attachments ).
Product: Mortgage

My loan transferred to Carrington Mortgage Service XX/XX/XXXX. Since then it has been extremely difficult for me. I didn’t receive any statements until XX/XX/XXXX. I’ve called and talked to 4 different people with 4 different stories in which no one could help me. 2 different times a supervisor was supposed to call me 1 week ago and now 2 days ago. My old mortgage company was working with me and even though I am behind, let me still make 1 payment a month. Now since my loan was bought out I suddenly have to make 2 payments in which I can not do at the time. They will NOT accept my 1 payment I’ve tried to make 3 times. I feel that this is highly unfair. I feel as if they are trying to just take my home and make it difficult for me. Also my payment was supposed to go down close to $XXXX  starting in XXXX   according to my old servicer. Keep in mind that “everything from my previous company stayed the same” but Carrington is telling me that my payment did not go down when I have the documentation to prove it. I feel cheated and like no one knows anything about my loan. I can not get answers or anyone to call and help me. Especially after I wait on hold for 30 min to speak to someone. Someone that specializes in my loan is never available.  I am mad that my loan was transferred and strongly dis-like Carrington Mortgage Service considering how I’ve been treated. I never ever had a problem with my previous mortgage company and they could ALL help me and actually called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you XXXX more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have XXXX days to CORRECT this account listed below : XXXX XXXXXXXX XXXX Date Opened XX/XX/16 Balance $ XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent reporting of information on my credit file.
Product: Debt collection

According to the law section 809 of the FDCPA, CONVERGENT XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.
Product: Vehicle loan or lease

I've been trying to resolve a property tax abatement issue with Hyundai Motor Finance ( " XXXX XXXX '' ) for over XXXX months ( since XX/XX/XXXX ). XXXX XXXX claims that I still owe property taxes on a previously leased car/account which is incorrect. I've spoken with multiple XXXX XXXX customer service representatives as well as emailed them numerous times and the issue is still not fixed. XXXX XXXX representatives have repeatedly told me that there is nothing for me to do on my end and that I've provided all the documentation/information they need ; however, the problem never gets taken care of. Hence, I'm reaching out to CFPB for assistance in resolving this issue. When I originally spoke with a XXXX XXXX representative in XX/XX/XXXX, I was informed that it would take approximately XXXX days to fix the property tax abatement issue. It now has been over XXXX months. 

Additional details regarding dates of contact with XXXX XXXX are below : I first provided the requested documentation to XXXX XXXX on XX/XX/XXXX. Since then, I've spoken with HM Finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've also emailed XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, none of these phone calls or emails have led to my property tax abatement issue being resolved. 

Additional information regarding my property tax abatement issue with XXXX XXXX is below/attached : I have tried to resolve a XXXX property tax abatement issue with HM Finance for XXXX XXXX months. Specifically, XXXX XXXX incorrectly lists that I still owe {$280.00} for property taxes on a previously leased vehicle. However, I returned the leased vehicle to XXXX on XX/XX/XXXX ( see attached Vehicle Return Receipt ). Please also see the attached document from the XXXX of XXXX regarding XXXX XXXX of Corrected Fees. The total tax amount paid for XXXX was {$340.00} and the overpayment for XXXX was {$280.00}. As a result, the correct property tax amount that I owed for XXXX was {$57.00} ( {$340.00} - {$280.00} = {$57.00} ), not the {$280.00} that is currently listed. 

I've paid the {$57.00} which was the correct property tax amount that I owed for XXXX. However, my account still incorrectly shows that I still owe {$280.00}. Based on my conversation with a XXXX XXXX representative, I was informed that management was going to remove the {$280.00} amount from my account balance because it was listed in error. I was also told by the XXXX XXXX representative that my account was paid in full and that I did not owe any additional monies. However, this is not reflected when I view my account. My XXXX XXXX account still incorrectly shows that I owe {$280.00}. 

Bottom Line -- I want the {$280.00} removed from my HM Finance account and I want my account to reflect that I owe XXXX monies.
Product: Checking or savings account

Leaving my transactions pending and not properly handling my account. Just totally throwing our account off so they can charge me XXXX bucks everytime and multiple times.Keeping my account negative like it says my account been overdrawn since XX/XX/XXXX even though I had deposits made after XX/XX/XXXX. Hanging up on me when I confront them consistently. Offer me overdraft protection but at their discretion so even though I have this protection, they see where they can charge me so they say well it's up to us to allow that even though I have this protection.They try to XXXX you every chance they get...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
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
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

This company " XXXX XXXX '' has added a debt to my account. It is already on my credit report under a different collection company. This is a duplicate. This has to be illegal.
Product: Debt collection

I placed an order with Afterpay back in XXXX its already paid for and fulfilled because of a glitch with Afterpay duplicated the order I never placed a new order in XXXX but yet I was charged for a new order and it needs to be cancelled I contacted the merchant and the only order they have for me is the one in XXXX which is already fulfilled and paid for.. I do not need this order to be sent again i just need my money back and to stop any future payments on this order. Please canceled this order and cancel all future payments. I have been dealing with this for order a month now and it is not fair to be paying for this order when it was already paid for I am in touch with them since XX/XX/2021 and nothing has been solved instead they were asking me to make payments until this is solved. Why would I make a payment on your mistake. And they were quick to send me to collections I am beyond upset at this point. I have emails acknowledging that it was in fact a mistake and still not refund was received instead a got to be put in collections.
Product: Payday loan, title loan, personal loan, or advance loan

I got this loan because I was going through a financial hardship it was XXXX I couldn't pay it the company reported to credit bureau with incorrect information I did dispute it they denied sending me paperwork they wrote off as a charge off I never received a letter or 1099c to add to my taxes I continue calling the company and location where debt is from and they told me I need to call another company they sold it to and I call them and they know nothing about my debt they are committing fraud for selling my information and refuse to send me 1099C they charged off the amount {$680.00} my loan was {$250.00}. I need this removed off my credit for noncompliance of the 3rd party company. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Sc XXXX acct number ( as listed on XXXX ) XXXX