23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I requested a 1-month extension for the payment due date of XX/XX/23 through the TD auto finance website. I was approved and paid just the finance charges due for XXXX. I then received an extension agreement form by mail which I signed and faxed to the number listed on the back of the form. I never once received any notification I was over 30-days past due for my auto loan until I attempted to make my XXXX payment. I called and made a {$260.00} payment for XXXX and the collection rep was unable to reach the extension dept to ask what happen to my extension due to they were unavailable, however, the collection rep confirmed it shows I was approved for the extension but the form I sent was not showing as received. Ive called several times during business hours and the collections dept has been unable to reach the extension dept. One of these reps sent an email to the extension team and and promised a call back by phone. I instead received an email from the extension team requesting I resend the form. I do not have a printer so I esigned the form and emailed it to the email provided. I then received an email that Td auto finance does not accept esignatures, this was not explained in the form instructions. This has been difficult trying to resolve as I cant speak to an actually person in the extension dept. I have confirmation the fax was received at the correct fax number and dont feel I should be penalized and marked 30 days late on my credit when I followed the original instructions provided, the company just lost the form.
Product: Money transfer, virtual currency, or money service

I am a small businessman fixing AC and Heating systems. 

I use PayPal merchant services to receive payments from customers. 

On XX/XX/21, I received {$3700.00} from a customer. Pay Pal charged me {$130.00} as a fee. Then they charged a further {$10.00} to instantly transfer the balance of {$3500.00} to my bank.

But they also held {$230.00} for 21 days. They claim that is their policy.

I believe this is illegal or at minimum an immoral practice.

I seek your advice please.
Product: Debt collection

On XX/XX/2023 the amount of {$830.00} was just automatically taken from my joint bank account without notice. When I called the bank they did not know why a few days later I called again and they stated it was taken to pay off a credit card debt that I owed them. This credit card I was the sole owner of. It was not a joint card. They gave no notice and just took the full amount. The credit was removed from my account months earlier and I had no ways to make payments on this card. This caused me and the joint owner of my account hardships on bills that were due. This is also where my veterans XXXX checks are deposited and they have no right to take joint or XXXX funds especially with no notice.In my bank statement the debit just says adjustment. It does not even say anything about paying the XXXX debt.
Product: Debt collection

This is not my account someone else is collecting this debt and I dont owe this collector anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. 
ACCOUNT : XXXX XXXX XXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall XXXX XXXX ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY AS I WAS NEVER LATE FOR THIS ACCOUNT. XXXX even has this information correct, as it reads PAID AS AGREED for XXXX of XXXX  on their consumer report. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over this illegitimate late payment as it has inhibited my opportunity to refinance one of my mortgages amongst other things. 

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had four ( 4 ) late payments on an account that I was never late and another person that I don know who is joint to my account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) # ( XXXX ) Please one more time investigate and provide Proof with statements showing that these payments were late and the information in my account is accurate.This is my four complaint in this account and everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Checking or savings account

XXXX XXXX XXXXXXXX DIRECT DEPOSIT ALWAYS BEING DELAYED OR NEVER BEING RELEASED TO MY ACCOUNT .... THIS IS THE TENTH TIME CONTACTING CHIME... THIS BANK NEEDS TO UNDERSTAND IT JUST CANT KEEP HOLDING PEOPLE 'S MONEY .... PEOPLE DEPEND ON THEIR MONEY TO EAT AND LIVE...
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX  XXXX : {$330.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX  Balance : {$570.00} ; XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR EQUIFAX IM SENDING YOU THIS LETTER TO PLEASE RMEOVE THE THE NH CODE OFF MY REPORT BECUAE I CAN NOT REVIEW MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus about a collection ( I.C. SYSTEM, INC ) and have not received a response back or any results
Product: Mortgage

I tried to refinance my home from a 1st and 2nd mortgage. I got it done but the second mortgage holder Ocwen Loan Servicing LLC placed a lien on my property because of a mistake they made. They charged me through my home owners insurance co. This was suppose to be for an escrow with them which I never HAD with them. Now they are harassing me to pay them for the error they made in order for them to move the lien from my property. I do not owe them anything. I feel they made the error they should correct it with out me. I had nothing to do with it. {$88000.00}. There is not a escrow on a second mortgage. They called it a Escrow Advance. What?
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. XXXX unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. XXXX has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score. 
Please see the attached loan paid receipt E-Mail from them. 
This complaint is also addressed against the 3 credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.
Product: Credit card or prepaid card

Someone has open several accounts using my SSN XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Discover XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that i have two late payments on an account that was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account that i have screenshot inside this complaint in on date of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks. Please see screenshot.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft, as reviewed a copy of my credit report. I found numerous accounts and inquiries on my credit report that were not open by me. The injustice I face today stems from the failure of Equifax to inform me that. my data was compromised during the Equifax data breach. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. This hurts me as I am in the process of getting a home for. my family. XXXX negligence is hurting me has signicantly impacted my life as a XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent accounts and. inquiries from. my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to remove of the fraudulent accounts from my credit report. ( See Attachments ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on since XX/XX/2019. XXXX, Equifax and XXXX  fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.
Product: Debt collection

THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.
Product: Checking or savings account

About two weeks ago I was traveling and had to make a call due to continuing web access problems to get my account balance from my bank Wells Fargo. After getting my balance the Customer Service Rep. informed me that if I did not " enroll '' in some Bank " travel program '' I " may '' have my cards declined or holds put on them. So they want me to inform them if I travel when and where I will be or I " may '' have problems out of state. I would think they can put what ever restrictions they want on my credit card as that is their money. But how can they threaten to withhold my personal funds by declining my ATM because I have left my home state? This is to me extortion to threaten to deny my access to my own money if I fail to participate in the " please burglarize these empty homes list ''. They can not keep my cards safe as I have been hacked 2 times in 2 years why should I trust them with when I will not be home?. There own Customer Service people showed their honesty when they opened millions of bogus customer accounts. And I should trust these same people to keep it a secret that I am not home, really? It is none of Wells Fargo 's business when and where I travel. Are the selling this info? I feel sure there are laws preventing a bank for using extortion tactics to deny assess to your own money. I have traveled to the 48 contiguous states and 8 countries and never reported my whereabouts to my bank and will not in the future.
Product: Debt collection

I keep getting updates that this I.C Sytems collection company is trying to collect a XXXX  debt that I have no idea of. It isnt my debt and its affecting my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following account and public records listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Checking or savings account

ACH Bank Fraud, On XX/XX/XXXX XXXX XXXX performed an unauthorized transaction for {$23000.00} using a fraudulent business account via JP Morgan Chase. His CCB transaction number is XXXX. JP Morgan Chase has acknowledge that this was fraud but they have yet to return the funds back to my business account with XXXX XXXX. These funds were deposited into my business account from the SBA Paycheck Protection Program. As of XX/XX/2021. Any help would be greatly appreciated. 

Thanks, XXXX XXXX
Product: Mortgage

I have an 18 month old manufactured housing mortgage with US Bank. At the end of XXXX they notified me of an escrow adjustment of {$2700.00} for taxes ( the first year and the next year ) to take effect XXXX/XXXX/15. This took my monthly payment from {$430.00} to {$750.00}! 
I promptly called the bank to alert them to a problem. I received the phone tree run around for 70 minutes. I explained to a Senior Banker XXXX that the amount was horribly inflated. My tax estimate last XXXX was {$880.00}. I also explained that the tax bill had n't yet been issued. She informed me that they got their information from my taxing authority and that I would n't see a bill and that the numbers were correct ( at best all incorrect or at worst lies ). 
A week later I received my tax bill and it was a few dollars less than the XXXX estimate. I sent a copy of the bill and relevant correspondence to the address the bank provided asking for a prompt adjustment. 
On XXXX XXXX I again called the bank. This time a chirpy Customer Service Rep informed me that there was a note on my account about a {$500.00} difference between " their estimate '' and the actual charges. She told me an investigation was underway and could take up to 90 days. She also informed me that I needed to pay the inflated amount until I was notified differently. She also added that I would receive any overpayment back in a " big fat check '' in XXXX. 
I 've continued to emphasize to the bank that they should not have made such a gross over estimate a week before the actual bill was to be received. I 've further stated that while I 'm sure the matter will ultimately be resolved it is difficult to pay the large, incorrect increase out of a retirement income!
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 has violated my rights. 


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: Credit reporting or other personal consumer reports

I Was a victim of identity theft which resulted in many fraudulent accounts being opened up in my name including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts that were listed above were opened without my permission and I demand it be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   2016  my credit was pulled  XXXX  by a rep for  XXXX   XXXX   XXXX  without my knowledge. The  manager said t hey disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.
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. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit card or prepaid card

Contacted Direct Express about 2 charges that were made by XXXX XXXX and XXXX XXXX XXXX totaling {$1500.00}. I was charged an extra week by both hotels and was not refunded after I left. I tried to get the amounts refunded to me by Direct Express and this was not done. This is elder abuse.