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

On XX/XX/XXXX a Mortgage lender attempted to access my Equifax credit report and they informed me that the result came back as no credit score and they couldn't access my report. I spoke with another lender and they sent me proof of the message that they received when they attempted to pull it. 

I called Equifax multiple times to try to resolve it. Initially, I was informed that my Equifax is not suppressed or blocked. However, when I called back on the XXXX of XXXX, I was told by the Office of Consumer Affairs that I need to verify my identity in order to have this cleared. Today, I spoke with another agent at Equifax and he said that there is no block or hold on my report. 

This situation is very frustrating and is impeding upon my ability to acquire a mortgage loan to purchase a home for my family. Also this is a clear violation of my rights under the Fair Credit Reporting Act. 

15 U.S.C. 1681c-1 states that the Consumer Reporting Agency may decline or rescind any block.

15 U.S.C. 168c-2 states that the affected consumer shall be notified promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, have 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 an account without my written instructions.
Product: Debt collection

in XX/XX/XXXX a collection acct showed up on my credit reports from eos cca. In XX/XX/XXXX I contacted the company through the phone # listed on my report after not receiving a dunning notice. I advised this is not my account and I do not owe their company and asked them not to report to which they responded by hanging up on me. I called back and spoke with a supervisor and explained again this is not my account and that I would need to start recording the call which was met with the same fate of the survivor hanging up on me. I then contacted XXXX and they stated they had no information in regards to me owing any amount to them. I then contacted eoa cca to advise what I 'd learned from XXXX only to receive rude and accusatory comments. I did n't not reside in the state that the representative said the account was in. 
Persistent attempts to collect debt that the consumer did not owe. 
Improper communication tactics. 
False statements or misrepresentations. 
Failure to disclose information that would allow the consumer to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to request my annual free credit report from the telephone number provided for Equifax and am finding it impossible. The options provided do not allow me to request a written copy of my credit report that I am entitled to. They want me to sign up online for some Equifax membership that I do not want. It is designed to flout consumer intent and is manifestly bad business. I am glad they got sued and hope they do in the future. Perhaps they will be forced to operate more transparently or even go bankrupt. We can hope and wish.
Product: Debt collection

On about XX/XX/2016 I disputed this debt that is in collections on my credit report. I want it completely removed off of my account. I do n't know where it is coming from and this collections agency failed to verify any literature as proof of contract with them. I sent a dispute letter to remove this account of of my credit report on about XX/XX/XXXX and XX/XX/2016. Neither times this collection agency responded. It shows on my credit report as an OPEN collections account and that I owe {$180.00}, I want it to be deleted completely. Attached is the letter I certified mailed them last year.
Product: Debt collection

I took out a loan in XXXX of 2019 for {$5000.00}. I have made a payment in the amount of {$200.00} every two weeks for a total of {$1800.00}. Only {$2.00} of those payments has been applied to the principal balance. I tried to make extra payments to bring my balance down. I first attempted {$70.00} payment with instructions to apply to the principal balance. It was just subtracted from my regular payment withdrawal of {$200.00}. I then contacted the company asking why they didn't accept my extra payments. They explained that in order for an extra payment to go to principal it had to made on the same day of withdrawal payments. I tried that twice. The first time it posted that payment the day after and again removed the {$70.00} from my next payment. I then tried again on a payment day and this time was flagged that I could not make payments on the same day. They reported this loan on my credit reports and because the balance doesn't go down it's hurting my credit score. I want to be able to pay this loan off in order to avoid the ridiculous amount of interest they will have charged over the course of this loan. I also see that in Louisiana for this type of loan the maximum interest allowed by law is 12 %. They are breaking the law by the amount of interest they are charging me.
Product: Student loan

I was sent an email stating that my loans were placed into deferment due to my enrollment in school. I NEVER agreed to have my loans deferred and do not wish to have my loans deferred. When I search myfedloan website to figure out how to put my loans into repayment, I was unable to do it. I had to take time to call the toll free number, wait on hold to then be told that I had to print and fill out a request to put my loans back into repayment and then scan back to them. I completed this on the XXXX when I made the call and my loans are still listed in deferment. This is ridiculous and should not have happened without me making a request to defer my loans. I have copied the email that I received below. 


XXXX XXXX UNIVERSITY notified us that you're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 

In-School Deferment Dates Deferment Begin Date XX/XX/XXXX Deferment End Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all Experian, XXXX, and XXXX and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?
Product: Payday loan, title loan, or personal loan

Dear FCC or Consumer Financial Protection Agency, My name is XXXX XXXX, and I am XXXX years an XXXX XXXX veteran. Currently going through a divorce and after I moved out pending final divorce. In XXXX 2016 since I do n't have any furniture in the new apartment I decided to finance some furniture because of my horrible economic circumstance steaming from my student loans debts. I went conn 's a furniture outlet in XXXX Texas to get some cheap furniture after eight months sleeping on the floor while facing {$1000.00} child support for XXXX child without any justification a total judicial deviation from the state of Texas child support guidelines. I Financed furniture worth {$1600.00} including sales tax with a down payment of {$260.00} and a monthly payment of {$73.00}. I have no problem paying my monthly bills detail in my contract. Unfortunately, after I have paid {$950.00} in total, I was told that I have {$1300.00} balance. I ca n't put my head together, giving the fact that you are not giving billing statement let alone payment coupons. Going through with my frustration and after talking with their aggressive and unprofessional customer service representative and I decided to file this complaint, and I hope you can help me and thousand or million facing predatory lender like conns. I also discovered that among fees added are property insurance premium of {$190.00}, ( property warranty fees that were n't disclosed on my contract form that I signed. They also added {$100.00} prepaid finance charge called it Administrative costs. An interest rate of 33.29 %. The worst of all is that this percentage is computed on original amount financed. As you paid your monthly bills and even sometimes above the minimum amount due, the annual rate is not calculated on balance but the original amount financed. Please, I need your help here, and thousand in my situation will appreciate your assistance. Third, often time you call their payment service number ; ( XXXX ) that called are relay to XXXX, XXXX XXXX or XXXX XXXX. Thanks and I look forward to hearing from your honorable office. Thanks XXXX XXXX
Product: Credit card

On XX/XX/year> I had a power washing job lined up with XXXX XXXX. I was told that I would be charged after the job was complete. The Man came to the house, told me that he didn't have the proper equipment and was not able to do the job. ( He also informed XXXX XXXX  ). He then got in his car and left. While he was driving away my Discover Card notified me of a {$560.00} charge. I immediately called XXXX XXXX and let them know the the job wasn't started or finished. The man noted to XXXX XXXX that he could not do the job because he did not have the proper equipment. On XX/XX/year> at XXXX I spoke to XXXX XXXX customer service to inform XXXX list of the issue-credit card charged no services rendered. On XX/XX/year> I spoke to XXXX at XXXX XXXX and informed him of the issue. He said it was in the notes that the man said he could not do the job. I was informed that I would be refunded in 3-5 days. On XX/XX/year> at XXXX I spoke to XXXX at Discover Card services she put a 48hour hold on any charges from XXXX for the amount of {$29.00}. This is the yearly fee for joining XXXX XXXX. On XX/XX/year> XXXX I spoke to XXXX who assured me the refund had been processed and I should see it on my card statement in a day or 2. On XX/XX/year> I spoke with XXXX from Discover Card. She put a 15 month stop payment on my card from the amount of XXXX XXXX  to {$660.00} for XXXX 's XXXX. Discover Card 's inquiry is attached. Discover then conducted an investigation and charged the disputed amount back to my card claiming I authorized the charges. I am not disputing that I authorized the charges, but this was dependent on the pressure washing job being done. I am now filing a complaint against Discover with the CFPB in the hopes that Discover understands that charging me for a service not rendered is fraud and that I should have the full amount credited back to my Discover Card. XXXX or XXXX 's list is a sham and they customer service is incompetent. I would expect more from a reputatble company like Discover to protect its customers.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OPERATOR, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

I had money sent to me from a friend. Paypal wouldn't let me withdraw it. Their reps told me to transfer it to another account I had and so I did a partial of it then they put a hold on that account as well then I transferred money to my dads account and they put a hold on that account. They told me they closed my account an I would have to wait 6 months in order for me to get the money. 

On XX/XX/2018, I was sent a total of {$11000.00} into XXXX account. I then was unable to withdraw funds they had me send in Photo ID, took my social security number as well as a utility bill. I was told to send money to my other account which I did and was able to only withdraw {$200.00}. There was also a past due account with Paypal for {$520.00} which I paid with these funds. Currently There is {$900.00} in XXXX account, there is {$5000.00} in XXXX account which is my dads account I tried to request the money back but paypal denied the request and wouldn't let my dad send the money back to me either, I also have {$5000.00} in XXXX account. 

So Paypal is holding {$10000.00} that belongs to me. The person that sent me the money called paypal and was advised they couldn't do anything to help release the money even though the money was already in their paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account XXXX XXXX XXXX : {$3000.00}. XXXX XXXX XXXX : {$2900.00}
Product: Debt collection

Accounts Receivables LLC dba Reliance Recoveries violated the Fair Debt Collection Practices Act by failing to provide written disclosure of debt. The company engaged in deceptive collection tactics by misrepresenting debt owed, demanding excessive fees, illegal interest, and other expenses and taking legal action. 

After receiving a statement of claim and summons in the mail for {$1800.00}, plus disbursements for an unverified medical debt, I sent a debt validation request letter via certified mail. Accounts Receivable Services LLC dba Reliance Recoveries failed to provide written validation of debt.
Product: Credit card or prepaid card

Over the past few months, I have called Chase TWICE and requested they cease mailing me convenience checks. At the end of both calls, the agent CONFIRMED I would not receive the checks any more. Last week I received more checks and then today I received more! Im so frustrated. I dont want anyone to have an opportunity to steal and use these checks so I do NOT want to receive them. Please help me get my message across to Chase. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit bureau the beginning o f  XX/XX/2016 . I h ave disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.
Product: Credit reporting or other personal consumer reports

On my credit report there is a collections account listed under XXXX XXXX XXXX XXXX XXXX. Based on the account information listed it states that I owed the XXXX XXXX XXXXXXXX XXXX XXXX$2200.00}. Now I am never attended the XXXX XXXX XXXX XXXX or took any classes there. So, there is no way that I can owe XXXX any money. I disputed this information with the credit bureaus and asked them to provide to me there methods of verification to which they have refused to do so. This request was made more than a month ago through the CFPB portal and to this date they have failed to do so which is a violations of my rights under the Fair Credit Reporting Act as the law clearly states that the credit bureau should provide me with such information within 15 days of my request. If the credit fails to provide the information requested then such information should be deleted from my credit report. 
They have failed to provide me with there method of verification as it pertains to the account called XXXX been reported on my credit report. Due to the violation I can seek damages in a court of law for violating the fair credit report act. I recently filed a fraud affidavit with the Federal Trade Corporation so that this matter can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA EOS CCA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX AUTO XXXX XXXX FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

PNC Bank has been paying other taxes from my escrow account that are not my property taxes which keeps making my escrow account have a shortage which is increasing my payment. I have asked them numerous times to stop doing this. My mortgage payment should only include my principal, interest, property taxes, and homeowners insurance. They should not be paying anything else out of this account. 

I have tried to fix with PNC but they have done nothing. 

Thank you XXXX XXXX
Product: Checking or savings account

I am an American citizen living abroad who has been a customer with HSBC Bank USA since XXXX. 

In line with best practice, I havent touched my Traditional IRA account ( # XXXX ) and have had no plans to do so until I reach retirement age. 

However, Ive recently realized that I stopped receiving account statements. When I called the HSBC customer service numbers on two occasions, the agents stated there is no record of my account. 

In XX/XX/XXXX, I sent a detailed letter via registered mail about the situation to HSBC USA Headquarters in New York but have not received any response. 

I am now very concerned that the money in my account may have been misappropriated. 

To resolve the problem of my missing Traditional IRA account, I would appreciate your support to find out how I can confirm that my funds are still available to me as well as information about how I can reactivate and access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Product: Credit card

Amex advertised a special increased bonus points offer for their expensive Platinum card with a required XXXX $ minimum spend within three months. After I received the bonus, I had to refund an airline fare. The reason for the airfare refund was my finding a lower fare for my vacation. The lower fare by the way was also charged on Amex card, just not the Platinum card. The bonus points were awarded right after a month into account being open. However, almost four months after account was open, I received a mail letter that my points were deducted. They pointed to their terms and conditions clause about fraud, essentially accusing me of fraud for refunding my airfare. Although the airfare refund happened two months after account was open, they waited to deduct the points well past the three-month qualifying minimum spend period for the point bonus. After I got no luck with my complaint with the company, I closed my cards with them. I also looked at the XXXX XXXX XXXX and noted that they said NOTHING about not being awarded point on returned purchases. Perhaps that is why they needed to accuse me of fraud.
Product: Bank account or service

I deposit a {$6.00} check to my BB & T checking account and the bank mistake it for a {$6000.00} check and credit me {$100.00} to my account. not knowing i use the {$100.00} and now I been hit with overdraft fee.