23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted Equifax XX/XX/XXXX to dispute a false account information on my credit report with them. They did n't remove the information even though the proof I submitted reflected a credit/check for the balance on my account. The only account valid is starting with XXXX which was opened XX/XX/XXXX. How can I have XXXX accounts open at the same time for XXXX address? I only had FIOS internet and home phone service. I never had a cellphone plan or any other services with the company. I do n't believe Equifax is recognizing Identity Theft and wo n't state why they wo n't remove this incorrect information on my credit report. It is not valid at all and documents attach shows I do n't owe XXXX any money and my balance is XXXX.
Product: Mortgage

( case worker ) XXXX XXXX spoke to the modification after receiving my new XXXX XXXX   modification papers as, unfortunately they put escrow into the loan and I pay my own taxes and insurances. Modification dept. agreed for me to pay the amount of {$370.00} which was principle and interest only. I was required to make 3 trial payments which i did. CHECK # 1,2 and 3. I then attempted to speak with my case manager ( XXXX XXXX XXXX to see where the corrected paperwork is. She said it would be coming but I should make the XXXX payment also. i attempted to make the XXXX payment, and asked to speak with my case manager but she was unavailable. XX/XX/19 spoke with another case manager XXXX and was told to make a check on the phone. He made several attempts to do the check on the phone and said they did not go through. he finally assured me that 1 did go through and gave me a confirmation number. the next day I was informed that not only did the 1 authorized payment go through BUT 7 other payments went through costing me {$2900.00} in unauthorized payments. My bank ( XXXX ) paid all 8 checks by depleting my savings account. After taking all my funds I had a negative balance of - {$390.00}. this " mistake '' or " fraud '' also resulted in insufficient fund charge of {$34.00}. XX/XX/19 Called XXXX XXXX who put me on a 3 way call with XXXX and it was agreed that upon receipt of the cancelled front and back of the 8 checks, all would be refunded by over night mail. I faxed all paperwork the same day. i have not received anything yet. I called the next day and XXXX was not available again, so i spoke to XXXX, and after explaining everything told me she sent everything to her contact and would get back to me today. instead of her getting back to me, XXXX called my house 2 times asking for payment. I then called the bank and spoke to XXXX who after telling him my story basically implied I was a liar and said the bank did not call. ( I have caller ID and this can be proven ) then he conveniently tried to transfer me to someone else and " dropped the call ''. this is a continual thing with the customer service just " dropping the call '' and having to recycle through the whole bit again. Bank of America has been continuously dishonest and now XXXX tells me that my refund will not be overnighted, nor will it be 7-10 days, that it may be 10-14 days until I can recover my " stolen '' money. My husband and I need this money as we are now penniless and have no means available to pay for our medications and food. I would appreciate any help in getting this bank to acknowledge their mistake and made a speedy refund of my money. I would also like them to stop harassing me for a payment that was on time and now needs to be refunded before I can go any further with payment. Thank you.
Product: Debt collection

From Ashmere collections : account opened in my name at address XXXX XXXX XXXX # XXXX XXXX, FL XXXX and email XXXX in XX/XX/XXXX From XXXX XXXX department : investigation opened, ticket # XXXX, confirmed the address, states the female used my DOB but no other information ( no social, etc. ), states they also opened additional accounts that are under additional people 's names and SSNs as recent as XXXX XXXX, XXXX I am currently a spectrum customer and in good standings. Confirmed service from XX/XX/XXXX-
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A inquiry by Navy Federal is reflecting on my credit report that I did not make.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Mortgage fraud. My ex-husband took out a mortgage in XXXX, XXXX, for {$670000.00} without telling me and forged my name on all of the documents. I found it in public records in XXXX, post divorce. The original lender is XXXX XXXX XXXX. Investors Bank bought it and it was discharged in XXXX. My ex-husband 's lawyer is knowingly concealing these crimes and refuses to produce the documents because the divorce was finalized. Someone tampered with public records, because the mortgage is recorded with Investors Bank on it as the Lender and my name as the Borrower. The public record of this mortgage is notarized, yet I never signed anything related to this mortgage. The mortgage documents are filed in the XXXX County Courthouse. A subpoena for the mortgage documents and application was served  upon Investors Bank last month. They refused to produce the documents to me. After several conversations with Investors Bank, they sent me a secure email stating that my social security number is not and has never been in their system. Yet there is a mortgage filed with Investors Bank and my ( now ) ex-husband and myself both listed as Borrowers. Please help me access a copy of the application I am legally entitled to.
Product: Checking or savings account

On XX/XX/XXXX I rec 'd a letter from NY State Dept of Taxation and Finance stating I never paid my XXXX quarterly taxes. I paid all of my quarterly taxes through Chase on line banking. These are the 4 payments : XX/XX/XXXX transaction # XXXX in the amount of {$440.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$450.00} All of the amounts were deducted from my checking account. I went to my local Chase Branch and they told me they could not get me copies of the cancelled checks that NY State was requesting for proof of purchase. I then called Chase on line banking and was told the same thing but that they would research the matter. I waited a week, called back, and they told me there was nothing they could do and that the only thing they could provide me with was a letter stating the check was sent and paid. Again, they told me they'd research the matter and get back to me. I never heard back from them. I called again last Friday XX/XX/XXXX and spent 3 hours on the phone with them begging them to get me copies of the cancelled checks. They told me that after 13 months the checks are archived and they can not accommodate my request. This makes no sense, since 3 of the checks are less than 13 months old. I filed a complaint with Chase, the complaint number is XXXX and I was finally able to file a claim requesting the money be returned to my checking account so that I can pay NY State the money they claim they never received. The reference # XXXX. Despite being told that I would hear back from Chase regarding my complaint in 2-3 business days I never heard back from them. I am worried that NY State will send this to collections and I would like either copies of the cancelled checks from Chase as proof of payment OR the funds returned to my checking account so I can pay NY State. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute the errors listed below : While viewing my credit report I came across several errors on two different accounts. The first account error is Hunter Warfield, I am currently paying on the current balance of XXXX. On the account listed above both XXXX and XXXX have inaccurate /different total balances. They also both have different ( last reported ) dates as well as different ( last active ) dates. 

Secondly, the second account by the name of XXXX has both different ( last active dates ) listed under two credit bureaus. XXXX and XXXX both have different active dates
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 information Any other adverse item of information, other than records of convictions 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 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, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?
Product: Credit card

Company refuses to send statements for XXXX and XXXX. Ive called support a dozen for it, and haven't gotten them. They said they keep them on file for 7 years yet dont even keep them past a year. This is not a professional business credit card dispute being advertised as such because you need statements for your book keeping.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Equifax lawsuit, I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified '' I am writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements particularly 15 USC 1681 e ( b ) ,1681s-2,1681 i ( 5 ) and 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. In XX/XX/year> i sent dispute letters to Equifax regarding i provide detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit. The recent CFPB enforcement action ( CFPB ) orders Equifax to pay XXXX XXXX for improper investigation of credit reporting errors, XXXX demonstrates a pattern of Noncompliance log Equifax XXXX My experience aligns with the importations highlighted in this lawsuit, including a lack of diligence in investigation consumer disputes Equifax 's actions violate the following FCRA provisions 15 USC 1681e ( b ) : Failure to ensure the accuracy of consumer reports 15 USC 1681s-2 Neglect of duty to prevent and correct inaccuracies 15 USC 1681 c ( c ) continued reporting of outdated information I requested immediately corrective action including full and popper reinvestigation of the disputed items deletions of all inaccurate or unverifiable information documentation of the investigation and resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there is still DEPTEDXXXX XXXXXXXX that is reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was reviewing my account and noticed the interest I was being charged is significantly higher than previous months. I contacted the company to request a reconsideration of the interest rate/APR since I am a loyal customer for a long period of time. I was told that my APR was 32.99 % and they will not give any consideration for lowering the APR as this was the standard APR for all customers. Regardless of credit rating, length of costumer relationship, payment history, etc.

I requested to know what my previous APR was because I do not recall ever getting a notice about an increase. They advised me that they sent it to me via email in XXXX, With no other notices. I have yet to be able to locate any documentation sent to me outside of an email telling me to review my account. According to the representative, It was conveniently slipped into my monthly statement that they sent via email And can not be accessed without going to their full website even at this point, it does not bring me directly to a page or the notice about my account changes are not made clear in the email that they send me. I reviewed the statements page online and there is no notice that was sent to me on the dates they referenced. I am unable to access any information about the increase using the steps given. 

At least when they send my monthly statements, it says how much is due and when in the email. It doesnt require me to go to any other external websites or links to see what payment is due. The decision they made to increase the APR in the middle of the year with no other notices to their customers or options to decline the increase and cancel my business with them is very unethical. I have since canceled my account and will be paying my balance in full because of the large amount of interest that I have been paying since XXXX. My previous APR was 26 %. This is not an ethical business practice and the only notice that they sent out is via email with a link to remind me to check my online access. If a company is increasing an individuals APR by 8 % there should be additional notices sent out to the customers, via mail.
Product: Credit card or prepaid card

On XX/XX/2022 I received a request for money for {$760.00} I contacted PayPal business ask them to close my account because my account has been fraudulently accessed they refuse to on XX/XX/XXXX I received another request for money for {$500.00} for an XXXX gift card I called PayPal they refuse to deal with the situation to either freeze my account or close my account also in the past I have received several requests for {$800.00} in XXXX PayPal has refused to address the issues even though I have forward the emails and contacted them every time I want my account closed I am being scammed
Product: Debt collection

After sending in 2 letters to collector to validate debt they have not been able to provide any validation / written contract with my signature. All i am getting is phone calls and letters that don't address my Validation letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I have also received a letter saying they may sue me. I am a single father and this has made a major negative impact on my credit score which intern is hurting my chance to have enough credit to help pay for my sons needs and getting a much needed home. I have also been victim to XXXX breach and my personal information is being used in the dark web. 

Thank you for your help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not raise a credit score unless you sign up for Boost. The other 2 agencies give a score in the 700s.. Experian gives 612. That should be illegal. I paid off all collections and unless I pay for Boost, they are costing me higher interest rates and forced to pay a PMI when we get our mortgage.
Product: Money transfer, virtual currency, or money service

XXXX claimed he never got the money but it was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has continuously and falsely verified this alleged account. Both Experian and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Debt collection

I have paid this amount .I have submitted my payments to this company. They do not acknowledge my payments and demand payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXXXXXX XXXX XXXXXX/XX/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 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 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

XXXX of XXXX XXXX  has been reporting incorrect information to my credit report since his company acquired my loan back in XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XXXX XXXX has requested a garnishment of my wages. The court case was in XXXXXXXX XXXX XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.
Product: Vehicle loan or lease

My fiance and I got a loan through Santander Bank. My fiance has a payee due to her being XXXX and suffering from mental health issues. Her payee has made all of our payments and bills for past 5 or so years, so when she started paying our loan we thought everything would be fine. She stopped making payments 3 months ago and we were never informed, nor were we called, and they claim it was because we had them placed on the no call list, which we did not and how would we be allowed to if that was the primary phone number on the account? The vehicle was repoed yesterday and when we called the bank today the person we spoke with was very rude and kept asking is in rude manner why we thought things were going to be any different if she gave us a chance to regain our vehicle, after she asked that 5 times we finally told her we didn't understand what she wanted us today because everything we said to her was met with the same, " No, now that's what you should of done before we repossessed it, what will you do diffefently? '' Which when we answered she would repeat the same queation! When I finally asked her what she wanted the answer to be, she said that she would be right back and then came back on and told us we would not be allowed to get the vehicle back unless paid in full. We'Ve already paid over {$5000.00} on that vehicle and just recently had brand new tires placed on it which cost us almost {$1000.00}. Please help us. I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. XXXX FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.