23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is a formal complaint against Equifax located in XXXX, GA This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem in which complaints have already been made, the last complaint was made to the Michigan Authorities. On XX/XX/2022, in response to the Michigan complaint, I got a letter from a XXXX XXXX ( XXXX ) who tells me to call him ... when I do call him, he knows nothing about how to fix the problem and refers me to others, who, in turn, start referring me to others, no one of which has a clue as to what to do, This is an incredibly poorly managed company!! 

I am supposed to be getting a court ordered monitoring of my credit, but am not getting it, The problem., other than the poor management, seems to be that I have more than one account ... which is resulting in difficulties logging in when messaged to check a potential problem.
Product: Vehicle loan or lease

I make two - 1/2 payments on my car a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I get paid twice a month. Thus the payment schedule above. I was in the process of setting this up and I did have auto pay set up with my credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), however, I discontinued this payment to set up the new process. Apparently I didn't discontinue soon enough, but I didn't know that a {$420.00} payment had been sent at that moment. And I set up the new payment plan. When I discovered the error I called both Ally Bank and XXXX to stop payment. Neither bank would do anything and they sent me back to the other institution! Frustrated, the payment went through, right before XXXX! Finally, Ally bank assured me of reimbursement. I have called them, At Least 3 more times, including today. I kept being reassured that it had been mailed out. Today I'm told that it wasn't sent out and they just applied it to my XX/XX/XXXX car payment! And since they deal with a 3rd party payment system, it would take another few weeks! I'm BEYOND FRUSTRATED AND ANGRY. I have XXXX grandchildren, a niece and nephew, who STILL haven't received their XXXX XXXX cash ( teenagers! Lol ) and, AND if I don't have my college class paid for today, I will miss my class this semester. Now I'm REALLY not happy. I feel that they need more than a slap on the wrist! The only thing this financial institution understands are big fat $ $ penalties. I feel that I deserve more than the {$420.00} that they have lied about refunding. Double it! Lol! 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled I had a XXXX XXXX and the finance company did a charge off at XXXX XXXX auto paid them XXXX they however said it was not settled and took the check and is reporting on my XXXX   credit report that it was charged off in XXXX at XXXX they are not trying to update the balance which is XXXX they are reporting inaccurate info
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 XXXX 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 of 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

In Accordance with The Fair Credit Reporting Act XXXX account 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 violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that a consumer Reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Since XXXX of XXXX XXXXXXXX stated I owed them a debt and took me to court to recover the amount they were stating I owed. I went to court with my evidence in rebuttal of their accusations for said amount of {$4.00}, XXXX with the intent to dispute said amount. The Judge ruled in my favor and the case was dismissed. I sent the official court document to all three credit reporting agencies and the collection agency Professional Dept informing them that they can not report on a debt I do not owe and requested this false information be removed from my credit report and it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : 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: Payday loan, title loan, personal loan, or advance loan

I applied for a loan and I was approved I was even sent the paperwork to sign. After signing I was instructed to send a text to this number XXXX. I was told I just had to confirm my information. I waited till Monday and was not contacted by anybody I was denied even though I was approved. I requested information as to why and got no response. I informed them this was not ok and that I would be filing a complaint. After this I tried to login to view the documents I had signed since I wasn't allowed to print them I figured I would screenshot them and I was now unable to view anything. No documents were showing. I still have not received a response back for the reason of the denial after being approved.
Product: Debt collection

This debt collection was left on my name by my ex husband. He had all my information and had a lot of things put on my name and left them owing. Please remove as soon as possible as I am taking legal actions with him. Please remove this debt collection amount of {$880.00} from my credit report.
Product: Student loan

My student loans were taken out when pursuing my graduate school education starting in XXXX XXXX. At that time, my Stafford subsidized and unsubsidized loans were serviced by XXXX XXXX. As I continued my education, my loans were then " transferred '' to XXXX. During that time my subsequent loans were serviced through XXXX from XXXX - XXXX. In XXXX, my loans were taken over by AES until now. At the time there was a income adjusted program that I enrolled in XXXX. Intrrestingly, no one ever directly said they sold my loans, like they did mortgages at that time. Upon completion of my education in XXXX, the total loan amount was + {$100000.00}. I have been working as a federal employee since XXXX. In recent years the SLRP became available, however my position never qualified for SLRP until I switched my occupation in XXXX. In XXXX, I submitted my paperwork to the Department of Education and waited for a response from the PSLF. After receiving an email response that they received my application, I waited some time for a response. I eventually reached out and was told that I was not eligible and directed me to page 8, paragraph 2 or 3, I believe, and told me my federal loans did not qualify because it pre-dated the new program and loan serving structure and told me to contact AES for options. When the program came into being, I did recieve information from my employer of its existence but no information was provided by my loan servicer that I needed to switch to FedLoan serving loan when inquired. However,, this time I was told that by re-applying for a new loan under FedLoan Servicing I could to be eligible in 10 years because of the type of loan I was under. Should I need to work beyond retirement age to be eligible? I believe that better communications from the Department of Education during the inception of this program would have informed me of my rights, rather than rely on an entity that benefitted by serving federal customers with eligible and non-eligible loans. The lack of transparency has kept individuals like myself obligated to paying these companies longer than I believe the government intended. It appears that the Dept of Education is doing this again by " selling off '' FedLoan Servicing. Where is the detailed communication to borrowers about how this will affect current loan forgiveness programs?
Product: Mortgage

I have a HAMP loan and received a letter in XXXX informing me about a {$5000.00} incentive that had been applied to my XXXX. An offer to modify was also included. I signed and mailed it. In XXXX I received the enrollment paperwork via XXXX. I thought I was ineligible because my XXXX payment would be late ( I am a XXXX on a XXXX ). I called Seterus to inform them of the late payment, and was told I qualified. I signed the enrollment and sent it in the XXXX envelope Seterus provided. I was given a new payment amount, told that when modifying one month 's payment is skipped, and that as long as I made the new payment by XXXX/XXXX/16 I would be current. I made that payment. On XXXX/XXXX/16 I called to confirm receipt of the payment, and was told it was the incorrect amount, was being held in suspense, and I was behind. I made payment arrangements and continued to follow up with phone calls. Since XXXX, I have spoken to 5 reps and 2 managers. Two reps told me I was current and the lower payment amount was correct, 2 told me that was wrong, the 5th rep told me both in the same conversation. The managers told me I was behind and refused to let me speak with a superior. I 've incurred late fees, an inspection fee, and received delinquency/foreclosure notifications. On XXXX XXXX I went onto Seterus 's website to check that an automatic payment had been made. I also downloaded all of my 2016 statements except for XXXX, which was missing from their site. I called Seterus to request a hard copy. I have not received it. I have more specific details and documentation, including all written correspondence I received from Seterus. The character limitations prevent me from providing those details here, but I will enthusiastically share them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX Transunion XXXX XXXX and XXXX XXXX reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey XXXX XXXX does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, Transunion, XXXX and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, Transunion, XXXX and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
XXXX, XXXX, Transunion, XXXX and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XX/XX/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 TransUnion 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. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize 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 # XXXX 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: Checking or savings account

Checking account was closed by bank when Huntington National Bank took over TCF Bank. The account was a TCF account in the name of XXXX XXXX XXXX. After numerous inquiries over more than three months I have not yet received a response from Huntington nor have I received the funds that were in the account. Attached please find a bank statement and copy of the debit card they sent me. 

Please help me obtain the the funds that were in the account when they closed it. 

Thank You.
Product: Debt collection

Re : Dispute of Charge-off/Collection Account I am writing to formally dispute the reporting of a charge-off/collection account under on my XXXX credit report. I initially filed a dispute regarding this inaccurate information, yet no proper investigation was conducted. As a result, I am left with incorrect and damaging information on my credit report. 

Furthermore, I have never received a Form 1099-C, which should have been provided if the debt had indeed been canceled or written off, as required by law. This lack of documentation and transparency is deeply concerning, and I believe that XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not investigating the matter appropriately. 

I am now aware that legal action is being taken against XXXX regarding these very issues. Given this new development, I urge you to conduct a thorough review of my dispute and remove the inaccurate and unverifiable charge-off/collection account from my credit report immediately. 

Please confirm receipt of this letter and provide me with a resolution within 30 days as required by law. If you require any further information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with TransUnion and XXXX, I have identified discrepancies in the reporting of this account that I believe warrant further investigation and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Closed '' on both TransUnion and XXXX, which is accurate. However, XXXX does not report this account, leading to inconsistency in reporting across the credit bureaus. I request that XXXX either report the account as " Closed '' or remove it entirely from my credit report. 

Incorrect Payment Status : The payment status is reported differently on TransUnion and XXXX. TransUnion reports the account as " Payment after charge off/collection, '' while XXXX reports it as " Paid, was a charge-off. '' This inconsistency requires clarification to ensure accurate reporting across both bureaus. 

Inconsistent Payment History : The payment history on XXXX indicates past delinquencies, with the account being 120 days past due in XXXX and XX/XX/XXXX. However, TransUnion does not reflect this information. This discrepancy in reporting requires verification and correction to ensure consistency across both bureaus. 

Date Last Active : The date last active is reported differently on TransUnion and XXXX. TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with 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 'S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Product: Mortgage

My wife and I are trying to refinance our existing mortgage and were told we needed to close our home equity loan which we haven't drawn on or carried a balance on in nearly 4 years. Approximately 4 years ago my wife attempted to close the home equity loan and we paid all fees however unknown to us Citizens Bank charged a continuous annual fee of {$50.00} despite her request to close the  account and us not using the account. Now 4 years later when my wife called again to close the home equity Citizens again advisded her that they would be charging us the accumulated fees again inorder to close the account and advised that we also needed to provide a written letter to close the account which seems like an undue burden and would appear to be the root cause for why were were charged a continues fee desipte not receiving any services or active communication. Moments after my wife advised me of the fees I immediately called to inquire, dispute, and ask for relief or assistance. I was denied at which point I asked for my compliant to be escalated. I was informed that I would receive a return call within 48 hours. During the time where I As I asked questions of the corporate office employee, XXXX XXXX, she became frustrated with me and disconnected our call and I'm now out of options. I advised we are experiencing financial hardship and did not want to pay the fee at this time but due to the delay in the return call ( 76 hrs vs 48 ) and despite there being an active complaint relative to this fee Citizens debited the fees from our account, has refused to advise of any asssitance or releif options, even as little as going back to the status where the fee continued to accrue. They have left us in a desparate situation furthermore they've required us to provide the written letter requesting closure of the account but still collected the lien release feel.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 Regions Bank allowed over {>= $1,000,000} to be fraudulently ACHd out of our business checking account. They were able to recover a little over {$600000.00} but we are still owed over {$330000.00} and they said whatever money they do not recover from the banks it was sent to then we will be at a loss for that amount. We had NEVER in XXXX  years of banking with them made these kinds of transactions yet no one reached out from the bank to confirm that it was in fact us initiating these payments before they released them to be paid!
Product: Credit reporting

XXXX XXXX ( now XXXX ) is showing my final payment on my mortgage as 30 days late. It was " late '' because, despite repeated attempts by me, the company failed to give me the final payoff amount in a timely manner.