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

I called Equifax to remove the consumer statement that I did not write or authorize Equifax to put on my Credit Report. Equifax refused to remove the information immediately and instead forced me to call them multiple times. Each time I called they were not able to verify me. Then when I did get an agent on the phone, I was forced me to provide my private information over an unsecured phone line. Equifax required me to state my full Social Security Number, Full Address and my Full Name. Then after providing this information correctly the agent required me discuss information about four creditors I had on my credit report. After completing this process the agent then without my permission repeated all of my personal information out load over the phone for anyone to hear around her or anyone who may be monitoring my phone from outside my home. Equifax is engaging in abusive behavior and requiring American Citizens to provide private information about themselves over unsecured phone lines in order to correct errors that are on our Consumer Credit Reports. Equifax is creating a security breach by recording the information which could be sold or used to expose my private information. Please require Equifax to verify American Citizens in another way in order to protect our privacy. Equifax has already violated our laws and must not require our Citizens to release our private information over unsecured phone.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to see inaccurate accounts suddenly appearing on my credit report, and I have no clue how they got there. I regularly check my report, and this time, discrepancies just showed up out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The errors remained, and Im now asking for the documents I submitted to be reviewed thoroughly so that I can avoid ever dealing with this again.
Product: Bank account or service

I was aware of an overdraft that I did and was charged {$36.00}, not once but 3 times, when I called the bank they said I had bounced XXXX charges, XXXX of them was after I made a deposit and was credited {$100.00} to my account until the check cleared ( 24 hours ). I had brought my account to a positive balance. After looking on my online bank statement there is no documentation showing I was ever in the negative. They just apologize, said there is nothing they can do. End of story.
Product: Credit card

Discover 's Covid Relief Hardship Plan I was formally under from XXXX XXXX through end of XXXX. The plan specifically allowed for a reduced APR of approx. 9 % for a period of 12 months and allowed for payments to be maid after the payment date specifically while on this program therefore not resulting in late fees- only a rolled over balance and increased interest in paid after the XXXX or XXXX of each month. The program allowed for the most minimal amount to be paid monthly and also allowing for no late fees to be applied if the payment was posted after the due date. I learned and applied to this plan in XXXX XXXX and completing each of the 12 payments required for those 12 months even if delayed they were paid within the parameters Discovers Covid Relief Hardship plan set. This program supported clients who were effected by layoffs or changes in employment during and post Covid. I called Discover approx. each month ( these should be recorded on the Discovers line ) to provide updates- if I did expect delays. The program ended the following XXXX XXXX however the adjusted payment required reset at the standard APR of about 24 % in XX/XX/XXXX. Since then, I have paid over the mim. required and will continue to do so as planned based on my budget to pay off by XXXX. The 9 late payments on the credit report is not an accurate reflection when on this specific program and stated benefits/ support/ grace periods provided by Discover under the Covid Relief Hardship Plan. I am disputing that the 9 late payments be removed since I was actively in this program and completed all 12 payments in full by the end of the program and currently in " good standing '' now. 

Note : XXXX XXXX, XXXX Program start XX/XX/XXXX Program end I did call Discover to let them know I would take these steps as of XX/XX/XXXX.
Product: Bank account or service

I have excessive overdraft fees, equaling {$1500.00} this year and counting. This month alone has equaled {$710.00}. I can not get ahead. I do not have the means with which to replace these charges. There are pending charges on my account today and I will be hit with more fees. Additionally my car lease payment was returned twice, I have insurance policies that will be cancelled due to lack of payment and the fees I will incur from those agencies. The bank refuses to refund any of the fees because they already did so once in my lifetime with them. If they would refund my account, by next payday, I would b able to recover. I will not be able to pay my rent if this persists.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Last 4 of SSN : XXXX XXXX Dispute of Unauthorized Credit Inquiries. To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.. Here I attach, along with the dispute, my fraud report that I just sent to EQUIFAX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Best regards, XXXX XXXX XXXX
Product: Debt collection

Subject : Dispute Regarding Alleged Unverifiable Debt and Violation of Permissible Purpose for Consumer Credit Report - Complaint Against the CRA ( s ) I am writing to file a formal complaint against all three CRAs regarding the furnishing of an alleged unverifiable debt reported by XXXX  XXXX on my consumer credit report. Additionally, I am deeply concerned about a potential violation of my rights under the permissible purpose provision of the Fair Credit Reporting Act ( FCRA ) in relation to this matter. 

Despite multiple attempts to verify the accuracy and legitimacy of the debt in question with XXXX XXXX, I have been unable to obtain any verifiable information or documentation supporting its validity. It appears that Equifax has included this derogatory entry on my credit report without conducting a thorough investigation into its accuracy or verifying the information provided by XXXX XXXX. 

Furthermore, I believe that Equifax may have violated my rights under the FCRA by furnishing this alleged unverifiable debt without a valid permissible purpose. I have not authorized any entity or individual to access my credit information for the purpose of reporting unverifiable debts, and I strongly believe that such actions constitute a violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to ensure that Equifax complies with the FCRA and rectifies any violations of consumer rights. Additionally, I request copies of any documentation related to this investigation and any actions taken by the Consumer Financial Protection Bureau in response to this complaint.
Product: Credit card or prepaid card

This account was used without my authorization. I contacted the financial institution in XX/XX/XXXX, when I received my XX/XX/XXXX statement and realized there were charges that I did not do or authorize. Immediately I requested the account closed and the company said they would open a investigation. I received a letter on XX/XX/XXXX stating that because of my fraud claim there will be no minimum payment due and they were investigating. 

The account had one charge made on it in XX/XX/XXXX and was paid in full as of XX/XX/XXXX. There has been no activity on the account from that point forward until these charges were made in XX/XX/XXXX when I received the statement I referred to above. There was 23 action items on the statement I received, some appear to be credits as well as several charges totaling over {$10000.00}. Along with all of them being within 100 mile radius of the XXXX XXXX area. 

It appears from my credit report that around XX/XX/XXXX there were credits made to the account taking the balance from almost {$10000.00} down to around {$5000.00}. After that the financial institution told me that because there were payments made that I was responsible for the account. I have not made a payment on this account since I paid the account off back in XX/XX/XXXX nor did I make any purchases on the account. I feel like I am being discriminated against based on my status as a regular citizen, along with being taken advantage of teaching not being taken seriously by this financial institution. My interaction with the company did not seem genuine and was not taking seriously. 

XX/XX/XXXX I received a letter from the company stating to allow 30 days for the consumer reporting agencies to update their files and they would be in contact with me in the future. 

In XXXX I received another statement showing that they were credits made to the fraudulent charges on the account however it has a new account number and now there is a balance of {$5000.00} as I referred to above. All of this needs to be taken care of right away as this is it right and again its criminal.
Product: Mortgage

I was approved for a loan modification in 2014. I made my trial payments, then suddenly Ocwen started returning my payments. When I asked why they replied my funds were n't certified or something to that effect. I contacted them again about my payments being returned and they said my loan modification was still being processed ( mind you I 've been approved and made my trial payments ). I recieve a letter stating my modification was disapproved ( mind you I 've already been approved last year ) I contact them again, I revieve a letter saying there is " an issue with my mortage title that will not allow me into the program. I contact them to inquire what the issue is with my title so I can straighten it out, I then recieve a letter saying my appeal is being reviewed. 
I never appealed an application which was approved. How could I have been approved last year with an issue with my mortgage title? How can I be disapproved for a program I 've been approved for and have not missed making a timely payment since then? 
Basically all I want to do is be on track with my payments, Ocwen accept my payments and move on with my life with the security of as long as I do my part I will continue to have the same roof over my head.
Product: Mortgage

SunWest Mortgage Keeps on calling and sending letter saying our account is seriously past due not respecting the 15 day grace period calling my cell phone and job threatening to take action and foreclose on property
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there was some things that was not correct. I sent a letter to Equifax on XXXX XXXX. Here is the information, but it has been more than 35 days since the credit bureau havent responded thats a violation of 15 U.S. Code 1681i Under 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard pull of my personal credit information was pulled by Synchrony Financial WITHOUT AUTHORIZATION. I was NOT the personal guarantor. Nor was my SSN provided to them to check my personal credit. This was not permitted by law. File XXXX ( 20.5 KB ) was closed with them claiming they couldn't find the information, but here is the attached letter I received from them for this unauthorized HARD PULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

when I was checking my credit report, I noticed accounts that have not been opened by me on my credit report.
Product: Debt collection

TSI is a Collections agency for XXXX XXXX XXXX My account ( XXXX ) ended up in Collections in XXXX as a result of misrepresentation from a consolidation agency. Since then, I entered into an agreement to pay down the Collection debt with TSI for $ XXXX. This payment was authorized as an automatic deduction from my checking account each month. For some reason, they terminated the agreement, then started sending threatening letters until I called to Re-establish the auto-draft terms of $ XXXX. 

In XX/XX/XXXX, my bank ( XXXX  ) and I called to receive a payoff balance letter to allow payment this debt in full. The Account was paid and reported as {$0.00} Balance as of the billing cycle ending XX/XX/XXXX. 

On XXXX XXXX, TSI sent a bill for {$3400.00}. I have not made any additional charges on this collections account, however, TSI has garnished our XXXX joint income tax returns in the amount of {$3400.00}! 

The pay off balance as of XXXX, XXXX was {$1900.00}. After confirmation from a TSI representative, this amount was paid off with certified funds from my bank in XXXX, XXXX and the debt was reported to XXXX as {$0.00} balance as of XX/XX/XXXX. Therefore, I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. XXXX makes it very hard to dispute them. Experian has BK as DISCHARGED but has XXXX Hard inquires, XXXX has XXXX inquires, XXXX has XXXX. That is a big difference. Also Experian reports as 8 late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX
Product: Debt collection

The only notice that I received of this debt or any attempt to collect this debt was through my credit monitoring service that indicated that I had a collections record. I researched with my bank and found that is amount was already paid to the original creditor before it was reported to my credit. This tactic is unfair- I could have provided proof that this debt was paid rather than having my credit ruined because of {$140.00} dollars.
Product: Consumer Loan

I purchased XXXX 5 years ago that cost me XXXX plus interest which came to {$24000.00}. I had problems with the vehicle the same year I had engine problems with the truck the same year. The finance company nor the dealer tried to help. They just insisted on the payment of XXXX. The truck sit idle in the yard for 6 months after being exhausted from taking it to XXXX repair shops including a XXXX dealer. They told me that there is junkyard parts in the engine and that I needed a near computer system with a overhaul to the engine. I continued to make payments on the truck and complain to the finance to no success or help from them. I had to get a rental vehicle and as of today I XXXX XXXX a rental vehicle. I took the truck to several places and they all gave me the same answer=New Engine. The finance company offered me a payoff back in XXXX for XXXX because they told me they did not want the truck back and they were not coming to get it. At that time I only owed about {$6600.00}. I had paid it almost off seeing I it was not driveable. My mother was diagnosed with XXXX during this time and I was not able to make the payoff date that was given to me. I got no understanding from the finance company. My mother was diagnosed in XXXX and passed in XXXX with no burial insurance because she had let it lapse and did not tell anyone. I had to help pay for all the burial expenses of $ XXXX. I had the truck towed to XXXX last place to see if I could at least get someone to repair it for a economical price. The truck remained at the shop because the charged me for all the storage fees during my mothers sickness. The finance company refused to come and get it. The shop put a lien against the storage fees and sold it at an auction. I just received a letter from the finance company stating that I owe them XXXX and they are willing to accept less than that amount. I can not purchase another vehicle until this is settled and I will continue to use a rental. I have been using a rental since XXXX XXXX. I am will to pay the {$1500.00} for a payoff plus remove this bad debt off my credit. I bought a lemon and they wo n't own up to it. I made a complaint with them. They do not care. I have paid all of that money plus repairs and I still do not have a vehicle. I do n't have the truck. I was told by a letter that it was going to auction. Please help me!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX MS SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX - CHECKING OR Account number XXXX Collection opened XX/XX/XXXX So I have already reach out to both companies to let them know these accounts were never mine. Ive send in proof but neither has responded in over 2 years.
Product: Debt collection

Entered 12 month student loan recovery program with previous lender at the  XXXX  of  2016 to ge t student loan out of default. I paid {$200.00} a month until I received notification that the loan was out of default status. At that point the loan was sold to Navient. This occurred at the   XXXX   of  2016. I  agreed to pay {$68.00} a month. I am current on my payments and should not be reported as 120 days late on my credit report. I have been rebuilding my credit over the last 12 months. I take m y credit score very  serious and is going to prevent me from purchasing a home. I just came up on a mortgage application.
Product: Mortgage

LoanCare intentionally has a process to delay release of escrow funds for insurance claim disbursements. My roofing project has been completed for 4 weeks as of XX/XX/XXXX. I have paid the roofers in full. LoanCare has this documentation which evidences the project is complete and the roofer is paid in full. In order to release my funds from escrow LoanCare indicated that it needs to complete an inspection of the work. They will not accept sign off from the insurance company. After 4 attempts the past month to get an inspection completed by LoanCare, an inspector called me and said it's not really an inspection and nor does he get on tbe roof. He put me in touch with the owner of the inspection company who told me she apologizes for the delays and went on to share that LoanCare delays this process frequently and the inspections are baseless. 

LoanCare actually never completed the inspection. At this time they called on XX/XX/XXXX with a voicemail that my escrow funds of {$6900.00} will be sent via XXXX. This has still not occurred. 

Other payments were significantly delayed even through LoanCare deposited tbe funds in XXXX when it received the insurance funds of {$46000.00}. 

LoanCare intentionally makes this process move slowly and impossible to navigate so that it can benefit from unjust enrichment on income spread. 

In addition to escrow funds due to me, I want to be compensated for lost income on my own funds by paying the roofer out of pocket and now fighting to get my money. LoanCare has all documents evidencing completion of the project. Even tbe insurance company 3 weeks ago released its depreciation holdback.
Product: Vehicle loan or lease

When I purchased my vehicle, I also purchased XXXX insurance. I became XXXX on XXXX XXXX. My XXXX insurance didn't pay one of the payments on the due date so instead of getting charged a late fee, I made the payment on time. I asked the company what would happen because my account would show an overpayment and I was told that the money would be returned to me. I received a lien release dated XX/XX/XXXX from Wells Fargo. I called the company on XX/XX/XXXX and asked about the overpayment and I was told that they would release overpayment on XX/XX/XXXX. I called again on XX/XX/XXXX and XXXX said check would come any day, that it was mailed on XX/XX/XXXX. I called the company on XX/XX/XXXX, and was told that they would have to fax me a paper within 48 business hours. I never received this. I called the company again on XX/XX/XXXX and told them I was contacting CFPB, they said the original check had been returned. I wanted to have them explain this to me, I was given a case number which is XXXX. Wells Fargo did call me on XX/XX/XXXX and I told them that they have 11 week before mi file this complaint. I feel that they have no care because this has been paid off