23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had negative balance in my key bank account .When I saw this I contacted key bank customer service and the person I spoke with had in touch supervision and confirmed me that all the minis balance ( total {$62.00} ) will be waived from my account mi waited for another few days and checked if it 's saved but seeing it 's not been waived I contacted again then they promised that my request has been to somewhere to get it sanctioned that 's why it takes time and also made sure that I could even go to the local branch to get it waved, I do n't need to explain everything will be there in system.i thought OK and was busy with other stuff, checking my account today I was shocked to see that not only my previous balance was not waved but also there was a new reccuring overdraft fee added to the account totalling {$91.00}. I called customer service and now they say they have nothing in the system and do n't know anything about my previous calls.i am totally helpless, they are being money looters and I can not let it go like this.Expecting help to resolve this issue.Thank you
Product: Credit reporting

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXXAlert Date : XXXX/XXXX/2015Source : EQUIFAXCompany : XXXX XXXXPayment Status : UNPAID ( UNPAID ) Status Date : XXXX/XXXX/2015Balance : $ XXXXXXXXBalance Date : N/AAddress : XXXX, WA XXXXXXXXThe information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previous sent out dispute letters for these following accounts XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX giving each Bureau 30 days to verify these accounts that are inaccurate. They failed to positively verify these accounts and since complaints where made they decided to update my information which is not complying with the FCRA laws that states they must verify or delete. According to section 617 civil liability for negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. I ask this be removed or I will seek Litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

m & t mortgage reports my mortgage as closed ... it is current and open..i opened a dispute with XXXX on XX/XX/XXXX ... I did file a bkXXXX that was discharged in XXXX XXXX.the state of ARIZONA doesn't require a home loan to be reaffirmed .I have proof of all payments being made on time and never late.I want my mortgage to report to my credit as open and current not closed .Please help!
Product: Vehicle loan or lease

I traded a car in XXXX where I was underwater. I had decent credit score, but the used car company, XXXX XXXX, selected Santander XXXX XXXX % to service the car loan. I didn't realize what the interest was on the loan until the next day. I was told that I could refinance the car to get out of the loan. I contacted Santander about the refinancing or lowering the interest rate as my XXXX score was greater than XXXX, and they refused. 

I had also put down XXXX for the downpayment of the vehicle. I could not get anyone to touch the car, so I ended up having to pay XXXX to trade the car. 

I am requesting the {$10000.00} from Santander. {$8000.00} for the downpayment I made in XXXX, and the {$2000.00} I payed on top of the regular payment, trying to get the car to a level where I could trade it. I had to trade the car to get out of the loan and I really liked the car, so because of their deceptiveness and predatory lending practices, I am out a large chunk of money and a car I don't like.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or about 2023 explain that this cancellation ltr was provided to the Rental company ( XXXX ). Front office okay and requested key, which was left in Apartment and recovered my office staff.Months later they claimed not received. By then I have relocated to XXXX Virginia health reasons... Made several attempts to resolve issues. Next thing it was sent to collection... triple fees. Tried to settle. I'm XXXX XXXX XXXX very sick person. Need to remove this off my Credit Report ASAP. to secure Housing..
Product: Mortgage

Second day in a row they responded by calling and I am at work and could not take the call at that exact moment with no notice of a call. 
They left a voice mail providing a phone number that takes me to a loop where I can not talk with a person and I can not get the information I need. I CAN NOT GET my information on their website they refused to allow me to set up an account so I can't LOG IN to speak with anyone in their chatbot on their website. 

I NEED MY EXACT PAYMENT HISTORY They did not provide it they did not speak with me and they refuse to give me my information as there is NO WAY to contact anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

" Midwest Fidelity Services '' and " XXXX plumbing '' has committed fraud. They are making a false claim in my credit report. When I requested Midwest Fidelity to provide documented evidence supporting there claim, they declined to provide any proof. 

Midwest Fidelity does not have a single shred of proof that I owe them money. AT the same time they are trying to unfairly discredit my Credit History.
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.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 has all violated my rights. 

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: Money transfer, virtual currency, or money service

2 XXXX  transaction on XX/XX/22 for {$300.00} each for fraud of product. Bank of america sent me text message for fraud alert after asking if it was fraud. I told them it was fraud and they still sent the money. Asked bank for refund and they didn't give me back the refund. Told me to talk to XXXX, went to talk to XXXX as well and they told me I need to talk to bank of america. Still won't give money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit act XXXX account number diversified adj services # XXXX, XXXX adjustments # XXXX, XXXX collections # XXXX, XXXX collections # XXXX, XXXX collections # XXXX, XXXX collections # XXXX,, XXXX collections # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX,, XXXX collections # XXXX XXXX collections # XXXX, XXXXXXXX collections # XXXX, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Company asked me to complete the steps Ive already completed. Additionally, companies trying to make it difficult to get these fraudulent hard inquiries removed by requesting information that is irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I entered into a lease agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. XXXX XXXX XXXX received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over 100 points. I logged into my credit monitoring tool and saw new negative information from XXXX XXXX XXXX, indicating that the account was closed and late. I immediately disputed the information and contacted XXXX XXXX XXXX and demanded they correct the information within XXXX hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from Equifax, Equifax decided to remove the account from my report for XXXX XXXX XXXX 's failure to respond. 

On XX/XX/XXXX, I received a notice from Equifax that XXXX XXXX XXXX demanded that the account be re-added back to my Equifax credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted XXXX XXXX XXXX and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific FICO scores. 

At this point, I got into a back and forth with Equifax, XXXX ( the credit monitoring tool I use ), as well as XXXX XXXX XXXX, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. 

On XX/XX/XXXX, I was able to submit a dispute through Equifax against the data in my report regarding XXXX XXXX XXXX. On XX/XX/XXXX I received the results, and XXXX XXXX XXXX has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.
Product: Mortgage

I live in XXXX Florida. Several weeks ago we had XXXX XXXX. Immediately following XXXX XXXX, power was stopped throughout effected area. Costs associated with hurricane preparation, loss of food due to loss of power, costs associated with restoration including although not limited to batteries for fans, lights, replacement food, other consumables, and home repair exceeded {$1500.00}. 

Learned from local newspaper of Federal Regulations regarding National Federal Disasters supporting mortgage payment forbearances to mortgage servicing companies such that up to XXXX mortgage monthly payments can be delayed to end of mortgage term if a request of such is made to mortgage servicing company. 

I requested forbearance of my mortgage servicer Ocwen on XXXX/XXXX/XXXX. Company representative said that someone will call within 7 days. As of XXXX/XXXX/XXXX no one called or left a message. I called on XXXX/XXXX/XXXX and was advised by " XXXX ID XXXX '' Ocwen mortgage loan representative that Ocwen does not comply with Federal Regulations and furthermore has chosen not to work with forbearance payment delays. 

I find it odd that Ocwen has such an exception, which means that in addition to paying significantly more money than my monthly payment I need to accept further financial burdens. Incidentally Ocwen purchased my mortgage from another company, and given the choice Ocwen would not be my preference for a mortgage servicer.
Product: Debt collection

This company is trying to say I had car insurance with their company but I never did and I submitted them proof that I didnt
Product: Credit card or prepaid card

I purchased a fully refundable flight on XXXX XXXX on XX/XX/2023 for {$720.00}. I later called the airline to cancel the flight, but I never got my refund. I called Capital One to dispute the charge, because I should have received a full refund. They issued a temporary credit, then later they received a response from XXXX XXXX. Capital One simply assumed everything the airline provided was correct, and denied my claim. Their letter of XX/XX/XXXX ( attached ) said they would reopen the claim if I provided them with additional information. I faxed them a copy of my itinerary, as well as the airline 's refund policy. These documents clearly showed that my ticket was fully refundable, and there would be no fees to do so. I received a form letter back saying they weren't going to do anything. Then on XX/XX/XXXX, I sent them another letter ( attached ), addressing each piece of information requested in their XX/XX/XXXX letter, line by line. They responded saying I did not provide the requested information, with yet another form letter. It's clear no one is even looking at the information I am providing, they just believe what the airline says. Capital One has solid evidence from me that the charge should be reversed in the form of letters and documentation. Someone just needs to read it.
Product: Credit card or prepaid card

On  XXXX   XXXX , I notice Bank of America charged me {$1000.00} again on my credit card. I thought this issue was resolved. I lifted the stop payment on check #  XXXX  so Bank of America can cash the check. Unfortunately they keep charging me with {$1000.00} every time I speak to them. I never get anywhere with them. They dance around the issue when I asked what happened to my money. They do n't want to admit wrong doing.     On  XXXX   XXXX , I spoke with  XXXX . He started to laugh at me instead of trying to resolve the problem. I spoke with his manager,  XXXX . He said I need to lift the stop payment. I asked him to repeat that it. He refused because he did not want me to know how to handle the issue.     They sent a general letter to me but DID NOT ADDRESS the issue. Bank of America did not resolve the issue. Bank of America said they did not do anything wrong. I disagree. I paid another {$840.00}. plus change to ease my credit card. They stole my money and refuse to give it bank.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$460.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I checked on my credit report and saw reports in my payment history for this accounts XXXX XXXX XXXX XXXX XXXX {$0.00} I paid this accounts on time, I demand you to fix this error immediately. 
BALANCE IS XXXX, THERES NO LATE PAYMENT.
Product: Credit card or prepaid card

I have had an American Express Every Day card since XX/XX/XXXX and my original credit limit was {$4000.00}. In XX/XX/XXXX, my credit line was increased to {$8000.00} and my income in XXXX was {$38000.00}. On XXXX XXXX I made a large purchase in the amount of {$2000.00}. I used a special promotion that allowed me to spread that transaction over 18 months with no interest and no fees. The promotion was available through XX/XX/XXXX. After that transaction I had over {$5000.00} in available credit. On XXXX XXXX I attempted to charge an addition amount of {$2000.00} and the transaction was declined. I checked my mobile account immediately and it showed over {$5000.00} in available credit. The card was declined a second time. This time, when I checked my account it showed {$430.00} in available credit. I was told that my account had been reviewed and that my credit profile and income no longer supported my credit limit and my limit had been lowered to {$3200.00}. My current income is {$45000.00}. On XX/XX/XXXX American Express sent me a letter saying that, based on my recent payments ; my credit limit has been restored to {$8000.00}. American Express did this because they did not want me to have use the special promotion with no fees or interest for the second transaction.
Product: Checking or savings account

I have account with Chase Bank in one of my account some one were doing fraud on XXXX i went to the bank and I reported because check were posted on my son 's account. 
they close two of my account 1 I have money of my mom for emergency if something happen to my mom the other one was my mom money that came from her social security I don't know what to do. Please need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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