23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was supposed to be a co-signer for a Care Credit at a XXXX office, multiple times while the application was filled out and my signature was obtained both the main individual and myself were constantly told I was just the co-signer. About 2 months passed and neither the main individual nor I received anything from Care Credit, recently when I began to receive a bill that said the account was overdue. I spoke to the main owner of the account and he told me he had not recieved any bills yet. I personally went to the XXXX office and their employee told me that the main owner of the account didnt qualify with a co-signer so they decided to open the account solely in my name. I brought it to the XXXX employees attention that at all points through the process we were informed I was just a co-signer. Her response that it was too bad that there was nothing they could do to fix it. I told her if need be I would seek legal assistance because my signature was obtained through misrepresentation. The XXXX office employees response was that I should do what I had to. 

When the individual that was to be the main on the account went to the XXXX office and asked what they did as XXXX ( me ) was supposed to be a co-signer and they kept saying the account was being opened with a co-signer. The XXXX office employee repeatedly apologized and said they made a mistake. We continue to try and speak with the XXXX office about resolving this and their less than useful employees that created this mess have taken to saying too bad or ignoring calls from the main individual. Further when the main attempts to call from another number, as soon as they know it is him, they hang up on him. He has not been able to speak to a supervisor or anyone at that office now. 

I have reached out to Care Credit to attempt and resolve this as I would not have agreed to be the sole owner on this account. After speaking to multiple Care Credit employees and telling them if need be I would file a complaint I was told to go ahead and file a complaint that they had no idea what the XXXX   office did and they could not help. 

This is extremely stressful as neither the main not I know. Care Credit has XXXX offices providing misleading information and obtaining agreements through fraud and misrepresentation. Further, after speaking to their multiple call lines they do not work with resolving issues created by XXXX  offices desperate to open accounts for them.
Product: Credit reporting or other personal consumer reports

I like to request the removal of this unlawful hard credit inquiry from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiry. This is the list of the unauthorized inquiry. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXXXXXX XXXX placed a debt on my report that does not belong to me
Product: Mortgage

I sent a request for information letter to PHH Mortgage Services ( Reverse XXXX ) on XX/XX/2022. The letter had attached to it a Third Party Authorization in my favor signed by the borrower. PHH signed the USPS Certifed Mail " XXXX XXXX '' for my XXXX letter showing receipt by PHH on XX/XX/2022. In numerous calls to PHH on XX/XX/2022 and XX/XX/2022, PHH representatives said to me " you are not authorized on the account, therefore we can not discuss it with you. '' They say they have no record of the third party authorization. They refuse to connect me with a supervisor -- stating that there is no supervisor available. 

On XX/XX/2022 I re-sent my letter of XX/XX/2022 with the the Borrower 's Third Party Authorization to the PHH email address at XXXX. I also tried six times over the course of 24 hours to send it again by FAX, but each time I received notice that the FAX was not received because the PHH FAX line is busy. 

My client is due to exist a period of forebearance on this FHA insured reverse mortgage on XX/XX/2022. The client was in a repayment plan before forbearance began. We want to apply for a Maine HAF Program grant to help reduce the amount due on the repayment plan. We can not do that until we can communicate with PHH about terms of the forebearance exit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. I complained against Equifax on XX/XX/2022 for denying me access to my consumer credit report AND file. Equifax responded on XX/XX/2022 with instructions to mail in my request so they could properly assist me. I mailed the request in for my consumer report AND file via certified mail with a signature return slip on XX/XX/2022. I received a notice from Equifax via mail on XX/XX/2022 without the signature return slip, which I expected back. The notice that Equifax sent in response to my request is a blatant stall tactic. Equifax continues to violate my rights as a federally protected consumer.
Product: Vehicle loan or lease

LOAN NUMBER XXXX XX/XX/XXXX called, would not give me the payoff amount since I did not have the latest billing statement showing principal amount balance XX/XX/XXXX called spoke with XXXX - after verifying everything, cell, SSN, loan number, principal balance, received verbal payoff amount XX/XX/XXXX send check number XXXX for payoff, 2 months later the check was returned saying it could not be read, numerical and written amount did not match. Looks okay to me. 
XX/XX/XXXXXXXX  - called spoke to XXXX, she refused to provide the payoff amount since my husband was not here. Asked to speak to Manager, spoke to XXXX, she asked me the last 4 digits of cell number, I provided that, she stated it was not correct. Which can't be. She refused to provide the payoff amount as well since my husband was not here. 

We are both on this installment loan. My husband is working in another state. 

Principal balance at this point is {$600.00}. It is very obvious they do not want this load paid off.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681 and 15 US Code 1666 B ), I have the right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. I believe that this late payment entry is incorrect and should be investigated and removed from my credit report. 

The details of the dispute item 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  date open XX/XX/22 Thank you.
Product: Debt collection

I sent this company a debt validation letter requesting very specific documentation and they did not provide the documentation i asked for but still attempting to collect on the debt. It's deeply concerning this company will provide the requested documentation. It appears they are not taking my concerns to validate this debt seriously
Product: Credit card

The inquiry was not authorized by me, and I did not communicate with this lender on the specified date
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX NEEDS TO RESOLVE THIS IMMEDIATELY AND REMOVE THESE ENTRIES FROM MY REPORT!
Product: Payday loan, title loan, personal loan, or advance loan

payments declined from two different debit cards XX/XX/year>. payment paid ealy and they still debited my account and reported a returned payment XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XXXX and XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed. 
I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX square closed my account for to many pre paid credit cards used on the pay system. Fine there where on three transactionsu XXXX XXXX I was informed on XX/XX/XXXX that m jnjby XXXX $ would be held for 18 0 days to ensure that nothing had been Wrong or frauded my 3 transactions. Now I filed a separate complaint on this but was denied so In the response to my complaint it was stated my funds would be Ileased after 180 days of Lockdown. That deadline has come and gone and nothing from square or my money.
Product: Credit reporting or other personal consumer reports

-- I know for a fact that XXXX does not report a bankruptcy on my report. They removed it in 2020 because they could not verify it. ( see attached letter ) -- Experian clearly states ( see attached screenshot from their website legal section ) that they get this " public '' information from XXXX. They also told me they verified the information with XXXX when I disputed it many times, when they clearly absolutely did not. -- I requested XXXX furnish notification of the deletion to all XXXX  credit bureaus after receiving their letter. In addition, I sent this proof to Experian directly, with the letter from XXXX, instructing them to remove it. I requested, and then demanded for a total of XXXX certified letters, that they remove the bankruptcy from my report. ( see attached ) -- They are legally required to remove any information that they can not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last week, I have been trying to place a security freeze on my credit report. I have been unable to do it on the Equifax website ( which does not load this option ) or via their customer service phone number ( where this option simply connects to a busy signal ). The only help number I have been able to reach at Equifax has operators who only offer to " walk me through '' the online process ( which simply does not work ) and refuse to do it over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an illegitimate credit inquiry from my credit report in accordance with federal law. The inquiry in question was unauthorized and is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq., which protects consumers from inaccuracies and unauthorized activity on their credit reports. 

Specifically : XXXX XXXX XXXX XXXX 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, creditors XXXX XXXX XXXX, XXXX, XXXX, Capital One and XXXX Bank have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My Address Shows iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX FL. XXXX. 
My Address Shows in XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX FL. XXXX. 
My Address Shows in TransUnion as : XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. 
The correct one should be : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my repeated and unsuccessful attempts to correct inaccurate late open accounts and public records on my credit report. Despite my diligent efforts, these inaccuracies persist, causing significant damage to my creditworthiness. 

The issues I am disputing are as follows : XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX. 

I have taken the following actions to address these issues : I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to late open accounts and public records. 

Subsequently, I followed up to inquire about the progress of my dispute and request updates on the investigation. 

Regrettably, the inaccurate late open accounts and public records remain on my credit report, negatively impacting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate late open accounts and public records from my credit report. Timely resolution of this matter is vital for my financial well-being. 

Please provide a written response within 30 days of receiving this letter, as mandated by the FCRA, outlining the steps you have taken to address these issues and any changes made to my credit report. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Mortgage

XX/XX/2023 The property was sold. 

XXXX XXXX PHH Mortage Services payoff request was grossly overstated in the amount XXXX. 
I called to verify the excessive amount. They reported the call to their supervisor .I was told that it was correct. 


Settlement agent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit card or prepaid card

I purchase a visa debit card thinking it was a gift card. When attempt to use the cars I found this kind of card was a visa card that can be replenished. When they began to ask personal questions I found it suspicious and at first provided fictional information wondering why they were asking such personal information. Once I determined it was a card that can be replenished I canceled the card and asked for a refund. I spoke to a gentlemen on XX/XX/XXXX named XXXX # XXXX from Netspend Visa. He informed me the card was canceled and I would receive a refund within 10 business days. I waited more then 2 weeks and contacted them.Their response was the check was sent but after further discussion found it was sent to the wrong address. I provided the correct address again and was assured a new check would be issued. I was told to wait 7 business days and if not received contact them. I didnt receive the check called again and spoke to a supervisor. Again assured that in 7 business days I would receive my refund. Waited again 7 business days and again know refund. I want to make note each time I spoke with them I provided the proper address. I again spoke to them and was told by XXXX I will have my refund. On XXXX called and explained I had not received my check and said I will file a complaint. At that time the claim they would issue me my refund I told them I didnt believe them and they were very unprofessional for a banking institution and felt I had know other alternative but to file a complaint. My complaint number isXXXX
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no information about them, and they were done without my permission by the company.
Product: Mortgage

I've been requesting a payoff statement from Cross Country Mortgage for nearly a month. I've sold this property and missed the closing date twice due to Cross Country being unable to supply a payoff statement to close the mortgage. I've spoken with multiple managers at Cross Country as well as received advice from USDA to file a complaint.

Cross Country continues to hang up on my calls, transfer me around constantly and just a general refusal to resolve the issue. This is the last contact information I was provided by Cross Country until they stopped responding to me : XXXX XXXX Short Sale, Deed-In-Lieu Specialist O : XXXX XXXX F : XXXX Loss Mitigation Department XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ilinois XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : ** Complaint Regarding Violation of 15 U.S.C. 1681e ( b ) by Equifax for Inaccurate Credit Reporting Dear Sir or Madam, I am filing a formal complaint against Equifax for failing to ensure the maximum possible accuracy of the information reported on my credit report, in violation of **15 U.S.C. 1681e ( b ) ** of the **Fair Credit Reporting Act ( FCRA ) **.

Upon reviewing my credit reports, I identified inconsistencies and inaccurate reporting regarding an account with XXXX XXXX XXXX between Equifax and XXXX. Specifically : 1. The **Last Update Date** reported by Equifax is XXXX XXXX, while XXXX reports XXXX XXXX . These dates are inconsistent and reflect future dates, which is impossible and misleading.

2. The **Last Activity Date** reported by Equifax is XXXX XXXX, while XXXX reports XXXX XXXX. These discrepancies raise concerns about the accuracy and reliability of the data being provided.

These inaccuracies could adversely affect my creditworthiness and ability to secure financial products. Under **15 U.S.C. 1681e ( b ) **, Equifax has a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy, which has not been upheld in this case.

**Requested Resolution : ** 1. Conduct a thorough investigation into the inaccuracies reported by Equifax regarding the account with XXXX XXXX XXXX. 
2. Correct the inaccurate dates and provide consistent and verifiable information across all credit reporting agencies.

3. Provide written confirmation of the investigation results and actions taken to correct the errors.

I have attached copies of my credit reports from Equifax and XXXX, highlighting the discrepancies in the reporting dates. I request an immediate review and resolution of this matter. Failure to address these inaccuracies may result in further action, including legal remedies. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit reports, that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX
Product: Payday loan

I revoked my ACH authorization because this company is charging me fees ( {$250.00} ) biweekly which they did not disclose to me, and are misrepresenting their interest rate. They showed me a contract with significantly different terms on it and then claimed that I signed a contract with entirely different terms. They refuse to provide me with a copy of this contract, never gave me a written copy of this contract as promised and refuse to disclose a breakdown of how much they claim I owe or of my payment history etc. 

I want to pay the amount that I borrowed MINUS fees & grossly misrepresented interest charges. I am willing to pursue this legally if the company will not accept this as settlement for this loan. 

I ask that this company NOT CONTACT MY EMPLOYER, REFERENCES, etc BUT THEY HAVE AND WILL NOT STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXXXXXX XXXX Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$450.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXXXXXX. account name XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of imformation any other adverse item of imformation, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer that the information is inaccurate.