23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone called and said they were from Bank of America and asked me did I give authorization from my credit card and I said no. I even gave them the proof and it was file on XX/XX/XXXX of XXXX XXXX and when I called Bank of America they say they gave me credit but they didnt. I had XXXX saved in that account. I worked hard that XXXX.I had credit protection. They keep giving me the runaround. I dont no know anywhere to go but I want my money.
Product: Mortgage

I have been trying to complete a successful modification since XXXX, have attempted several appeals and haven't received any resolution from the escalations department although I have reached out on numerous occasions. The escalation department nor anyone with any authority is available after XXXX Pacific time making it even more difficult to try to obtain any results. 

A supervisor today ( XX/XX/XXXX ) stated that he does not see any escalation replies on my file since their last communication of XX/XX/XXXX when they stated they will review my information and provide a written response within 15 days. However, we did receive another letter dated XX/XX/XXXX from a different department requesting additional time due to the complex nature of our situation but as of this date, no written response has come and it has been almost 2 months. This is gross negligence and is unacceptable when a family 's home is at stake. I have also been given lots of misinformation verbally by my " single '' point of contact, which we've had 3 in less than one year.

I have a pending sale date next week even though I have  been in an appeals process to the latest modification decline ( previously approved for a modification but it was falsely rescinded and now they won't approve again ). The  modification rescission, dated XX/XX/XXXX states we did not make our 3 trial payments, which is untrue and I have proof of all 3 payments. The current modification decline they state is due our net present value being too high, but this is based on errors in their calculations. This is the appeals process I have been currently trying to have resolved. 

Also, the company accepted 3 successful trial payments from us after sending a notice of default, then shortly after we received a foreclosure sale date. There are also unapplied payments and we have not received an escrow analysis. This company appears to have an ongoing history and pattern of violations, and we feel many California civil codes have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hand multiple mortgage inquiries showing in my credit reports which I did nt authorized.Kindly delete as it is my score XXXX XXXX-multiple XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : I have contacted Equifax numerous time in reference to the XXXX XXXX XXXXXXXX opened XX/XX/XXXX. This is a fraudulent account that is reporting on my credit report. It says CLOSED with Last payment of XXXX XXXX, XXXX, with a payment made in XX/XX/XXXX. I am a victim of identity theft, this is not my account
Product: Prepaid card

Gm, Ive been going back and forth with cash app about over 100 disputes from play perfect, they recently approved most of the disputes after my first complaint to you guys, now they keep denying the remaining charges in which I was suppose to be refunded for all charges from the month of XXXX on XX/XX/year>. I have disputed the remaining transactions twice and they denied it twice with the refund receipt from the company. Cash app does not truly investigate these disputes what they do is denied you based of account activity which is bogus. Im tired of having to continue to fight for my money, no other bank does this nonsense, Im tired of the company play perfect telling me one thing and doing anything. Cash app needs to stop denying the last couple of disputes and give me my money Im tired of the back and forth and time wasted, I have already lost out on hundreds of dollars with play perfect during this dispute because cash app does not do disputed part 60 days so all my disputed transactions from XXXX and XXXX where not given back to me with proof that I was suppose to get this money all back so I loose my money I dont think so, if your company states they refunded me from XXXX up until XX/XX/XXXX for all transactions from XXXX XXXX XXXX XXXX and XXXX I expect all my money because at this point cash app and play perfect are going to see me in court, CASH APP learn to do things accordingly because you do not you dont investigate disputes properly I did these disputes again manually which take me time out of my day and take a long time to do one by one for cash app to deny it in less then 24 hours of me doing it and having no proof of why they denied only that the transaction seems right and went through with no issues thats ridiculous. This is the last time Im going to do through this with cash app or the other company I have already reached out to a lawyer about what cash app does dispute wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction
Product: Payday loan, title loan, or personal loan

Time finance is still reporting this account as its still open.. however the account is charge off and the reporting it with a open balance ... I have reach out to them and explaining to them that this account needs to be remove especially if they have already charged it off
Product: Mortgage

SunTrust Bank bought my mortgage. I set up an online account and provided external payment information to have my mortgage payments made automatically each month. It has never happened in the four months since they bought my mortgage. 

I have tried on at least four separate occasions to determine why it isn't happening, without success. I can see my external payment information online and can see it is correct. I have been transferred to technical support personnel who can not tell me why this function isn't working. I haven't been offered any solutions. 

I have had to make one-time payments each month. My concern is I will forget to do this, my payment will be late, and I will be charged late fees and/or have my credit score impacted. They are 100 % unresponsive to my problem.
Product: Mortgage

I applied for a refinance home loan with cash out to add a addiction to my current home. I ask ALLY BANK to assist me on the process. I submitted all documents and paid for a appraisal. The appraisal came bank and we supposed to be going to underwriting for final process. Well I been speaking to representative on the XXXX XXXX that cant not disclosed loan information to me or my accounting. That was a red flag and why im reaching out for help. I submitted all documents and Ally ask me to secure {$15000.00} before closing. I think this practice is recipe for disaster for my family. The interest rate is way to high 4,5 %. The new mortgage payment is {$2400.00} I'm currently paying {$1800.00} a month. My current mortgage is {$210.00}. I need assistance o what's my rights and why I'm being drag out on practices that only benefit them. Ally XXXX XXXX XXXX  Mortgage is XXXX companies and im very confused on who is what and who mange my documents,
Product: Debt collection

Hello in 2018 i went to XXXX XXXX XXXX to do an estimate of a XXXX XXXX treatment but I didnt like it because it was too expensive for me and I left, a year later I got surprised when I saw in my credit I had a debt of XXXX dollars so called them and we were in dispute for several weeks later they removed the charge but they left a due of XXXX dollars and they still reporting that, and that is so unfair because I didnt take any service of them I just went for an estimate, and I'm worried because they keep reporting that and I know eventually that will hurt my credit score, I need them to remove all those charges because I didnt take any service or product from them and GS loan XXXX  is the company that is charging me for tha Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Checking or savings account

I have had an account with chime for about 3 years now. I have direct deposits regularly from my husband and I. My husband was given a paper check for a weeks worth of work and chime absolutely would not accept it. I then had a refunded check from an unused money order and they would not deposit it either. This is absolutely ridiculous. I have talked to them until Im XXXX  in the face and they are not willing to understand that it is a check and not a money order even though it clearly states check at the top of it and came with a stub. Im done with these idiots.
Product: Credit reporting or other personal consumer reports

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting. 

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, Experian, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be one address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to cancel my membership with EXPERIAN, my monthly membership of {$24.00}. Starting on XX/XX/2018. 

I sent 10 emails and non of them was answered. 

I called 10 times and the automated attendant never guide me thru a real person. There is no option to cancel the account, but when I manage to transfer the call to a representative, the waiting time is more than 2 hours, the call ends abruptly before an agent took my call. 

Today XXXX XXXX I'm still not able to speak with Experian to cancel my account.
Product: Mortgage

The only action taken from this company is that its not their responsibility. I closed on my house which was brokered by XXXX  XXXX and sold from open door. I reached out to them many times to try to resolve the issues. I signed a lead paint disclosure but never a led pipe disclosure. Our house is filled with lead pipes. The disclosures stated nothing was wrong with this house. My agent XXXX XXXX told me the house had all new plumbing. Obviously a lie. The broker from XXXX XXXX and my agent waived my right to an inspection and gave me report from the buyer who backed out. The home inspector left out the led pipes, the mice infestation, the rotted wood, The faulty electrical, The asbestos ceilings, the asbestos insulation which the covered up with fresh cotton bating insulation. The landfill in the backyard from the people who remolded the house, The fact that a horder lived here before me. I honestly have no idea how much all these repairs will take to finish. But the disclosure statement I received from them mentioned none of these things. XXXXm seeking damages not just for repairs but from negligence & emotional distress. For the lead contaminated water my young children used to shower in, brush their teeth, For the unsanitary conditions we have been forced to live in. The mice ended up chewing the fuel pump line on our XXXX XXXX  and we had to buy a whole new work truck. Im seeking the full amount of cost for the truck. My children father hasnt been able to work this year as usual because we have been working on this house non stop so it can be livable for children. Given we own our company and he is the only employee we lost many customers. Im seeking damages for lost wages for 2022 of {$220000.00} dollars plus damages for the long standing customers who will no longer use our services of {$170000.00} per year for the next five years. My initial offer for a settlement is {>= $1,000,000} ; total.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use the Experian app to monitor my credit. I contacted Experian on XX/XX/XXXX at approx XXXX because I saw XXXX new credit inquiries. 
XXXX ) They occurred on : XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX. 

XXXX ) I did not apply for any new credit with these XXXX companies and disputed both inquires. 

XXXX ) I did contact the tel numbers below that were listed on the inquires but was not able to reach anyone. 

XXXX XXXX XXXX XXXX ) I disputed the inquires, requested to freeze my credit profile and to put a fraud alert on there as well. 

The customer service representative informed me that they will remove the inquires and inform XXXX and XXXX for the fraud alert.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System LLC is reporting information about a debt that has not been validated on my consumer reports. They do not have my written consent or a court order to take these actions.

Jefferson Capital System LLC is participating in Identity Theft.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the responsibility to keep my private information safe and secure. I am appalled that Equifax would allow this to happen. Not only did they allow this to happen but they also acted as criminals when they started to sell off stock before it hit the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U. S. Code subsection 1681 s-2 ( A ) ( 1 ) A states 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. 15 U.S.Code subsection 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX XXXXXXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR subsection 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

I don't agree with anything listed on my credit reports. The balances are wrong or the account does not belong to me. 

All of my information was exposed in a data breach by various agencies. 

I've reached out to the 3 credit bureaus many, many times and they keep getting their information from a 3rd party instead of from the supposed original creditors. 

The negative and wrong information is causing me difficulty with employment and purchasing a home