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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX XXXX XXXX This is a formal complaint that Equifax been reporting inaccurate and incomplete account information to my credit file. I am distressed that Equifax have included the referenced inaccurate information on my credit profile. Equifax have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report. This account has been paid in full with letter of deletion From XXXX XXXX XXXX and should not be reflecting negative on my credit files. XXXX XXXX XXXX has also expressed Efforts in reaching out in regards to this matter with no response. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax may be liable for your willful non-compliance. 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. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g Delete this from my report as it is not accurate. This is affecting my efforts in gaining residency.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Debt collection

This account has had an open dispute that's been under review since XXXX XXXX XXXX The case is still open. The original dispute was canceled by the customer who contacted both Paypal and his banking institution to let them know he disputed the amount in error. The banking institution sent the money that was disputed back to Paypal and Paypal has yet to put that money back into my account. Both me and the customer have contacted Paypal multiple times about this and they refuse to respond. We have also sent copies of the emails that were sent to and from the buyers banking institution proving that the bank did in fact cancel the dispute and sent the money back to Paypal. Paypal has yet to respond or fix the issue. Again, this dispute is still " under review '' with payal, therefore never should have been sent to collections in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I tried to freeze my credit with Experian. They make this exceedingly difficult and frustrating to do so. Their first form required collecting my credit card and SSN before finally notifying me that for some reason I could n't use this page and would have to either mail many sensitive documents or upload them. When attempting to upload the documents, the require extremely small file sizes, making it an extra hassle to get the documents together. Even though I had documents of the correct size and file type according to their specifications, I received an error that my documents were too large. After lowering the image resolution further to try to comply with their requests. I get a message along the lines of I had " exceeded the maximum number of attempts. '' Look. They 're obviously trying to make this difficult to do so that we 'll buy their monitoring products out of fear of someone stealing our identity or not be discouraged from taking out credit products due to the freeze. This is highly unethical and overly burdensome to consumers. Freezing credit should be easy, if not a right. The fact that they try to make this almost impossible to do is ridiculous. 

As of now, I am still unable to freeze my credit with Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date : XX/XX/year> To : Equifax Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a late payment on a XXXX account listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed the late payment on this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since Innovis has deemed this account unverifiable and inaccurate and removed the late payment you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you XXXX XXXX XXXX
Product: Mortgage

USAA Fed Savings Bank issued my mortgage ( XXXX XXXX ). In XXXX USAA hired a sub-contractor ( XXXX XXXX XXXX ) to service the loan however I still am required to pay to the order of USAA FSB. I have paid my mortgage at least XXXX month early since the initiation of this loan ( XXXX XXXX ). For over two years, since XXXX was brought on as a mortgage servicer company, they, USAA and XXXX, have falsely/incorrectly adjusted my mortgage due date, always due earlier, I believe, in an attempt to mislead me and make me think my payment is late. I have contacted both companies who have responded to me however the practice continues every month to every two months.
Product: Student loan

MOHELA has an incorrect loan payment amount, as based on my previous recertification when my income was XXXX dollars per year, my payment amount should be XXXX dollars as well. MOHELA has calculated a {$5000.00} per month payment amount which is incorrect. They refuse to fix it and keep trying to get me to recertify when I dont have to per federal guidelines until XXXX of next year. They are rude and unhelpful.
Product: Mortgage

Our mortgage servicing was switched to PHH Mortgage on XX/XX/2021. Since that time, I have not been able to pay my monthly payment through their website or app. The only options available to me have been pay-by-phone and Western Union. The problem with this is that both of those options cost me an additional fee ( ranging from {$7.00} to {$17.00} per transaction ) as well as both being much less convenient than paying online or through the app. Per PHH Mortgage 's website and customer service representatives, you can pay online or through the app with no additional fees provided you are enrolled in electronic/paperless billing, which I am - since the very beginning. I have contacted them multiple times ( 10+ ) and spent literally hours on the phone with their representatives as well as their escalation managers. As of today ( XX/XX/2021 ) absolutely none of them have been able to resolve the issue. Several of the representatives were less than helpful at best, and those that tried to help were ultimately unable to rectify the problem. I have been told several different things that were not correct, such as ( paraphrasing ) " your account has been flagged for foreclosure '' and " there's an issue in our web department '' and " you're trying to make your payment during a blackout/changeover period ''. The only excuse I've been given that even seems legitimate is " there is a flag on your account relating to the Office of the President ( of PHH ) ''. The most helpful representative to date has been Escalation Manager XXXX, who gave me a direct contact number of ( XXXX ) XXXX XXXX to reach her. I certainly appreciate her efforts, but she too has been unable to resolve this. 

My request ( as I've told so many PHH Mortgage representatives ) is simple : I want to be able to use the methods I'm told are available to me ( web login & app ) to make my house payment in a timely, straightforward manner, and not have to deal with calling in & re-explaining the situation every four weeks to a new representative while having to demand that the payment processing fee be waived since the problem is in their system and clearly not anything I can correct. It has been four months since PHH Mortgage took over servicing of my account, and hardly a week has gone by that I have not talked at length with one of their representatives. 

I am now at the point where I need to make my XX/XX/2021 payment and I still receive messages through the website and app that online payments are not available to me. 

I have attached a photo of the notice I receive when trying to make a payment online or through the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( XXXX, XXXX XXXX Equifax ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the Equifax data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting negative accounts on my credit file that are listing me as an Authorized User. I don't want to be on anyone else 's credit. I called XXXX XXXX XXXX XXXX and they stated that they requested Equifax to remove me from the account. Equifax refuse to do so I contacted XXXX XXXX and the same response, however, Equifax continue to report this information on my credit I contacted XXXX XXXX and the exact same response, again Equifax refuse to remove this from my credit. 


I filed a complaint on Equifax and they responded that they are still working on the issue. It has been close to 90 days since I have disputed this error on my credit file with Equifax I still have not received any response to my disputes or anything from Equifax, yet they are still reporting the accounts that are not mine on my credit file. I am being denied credit and a job due to Equifax reporting these errors on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by 60 points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures TransUnion took the website would block me.
Product: Debt collection

XXXX XXXX XXXX sent a paid off car loan to Jefferson Capital Systems. Despite previous attempts to resolve this issue, neither party has been able to correct this problem. The false debt has been reported since XX/XX/2018.
Product: Credit reporting or other personal consumer reports

My wallet identity was stolen in XXXX of 2020 while out with my friends.. My idenitifying information was in my wallet at the time of losing it ( driverslicense, social security card, and a few credit cards ). I found out that my information was used illegally to open up fraudulent accounts ( credit card, anapartment lease, and utility bill. There were also XXXX fraudulent inquires made without my permission as well. I would like for all of these items to bedeleted from my credit profi le immediately.

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such  thing that I have agreed upon to.
Product: Credit card

I received the notification on my Credit monitoring stating that I had a new inquiry today XX/XX/XXXX this morning at XXXX. The inquiry States CBNA pulled my credit. Ive had an issue a month or two ago with someone tried to apply for a credit card under my name without my authorization. I did not authorize anybody to apply for anything nor did I attempt to apply for any product with Citibank. I am not sure if they were approved or declined for whatever they applied for so I would like some clarification on that as well because if an account was open, I would like it closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed there several inaccurate items listed on my report. The inaccurate items ( inquiries ) are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these companies to create an inquiry or apply for any credit utilizing my name. 
This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right.

I formally request that these fraudulent inquiries be immediately removed from my credit profile.
Product: Checking or savings account

Hello there, I hope all is well. 

I have banked with Regions for about seven years and recently started having issues with overdraft fees. When I am low on funds or have none in my account, my account is overdrawn at {$36.00} for every transaction. In some cases, the cost can be more than {$200.00}. It is frustrating because my thought when banking with banks is that they are here to protect their consumers and help grow their money rather than take advantage. 
Sadly, banks are using that because we are signing a subscription " acting '' as a contract for them to pay the balance and later charge a fee to the consumer. Rather than decline the transaction when there are not enough or insufficient funds. If banks want to be technical, the subscription or recurring transactions state that I pay a certain amount for the subscription monthly. If I don't have the amount, how can I pay? I can't is the point.

Granted, I did sign up for a subscription, and sometimes, I become forgetful, as most subscriptions do not send an alert on upcoming balances. Before I can cancel, they have already charged my account. 

It's borderline stealing and distasteful. Especially when I have asked to opt out of any overdraft coverage protection. Yet I am being told to come personally to opt out of all coverages. I am not a state resident with Regions branches to go to, and I do not want to end my banking with them due to relationships and credit lines. I wish not to be charged for funds I do not have. It makes it harder for me to pay the subscription or recurring transaction and the overdraft fee, making it more costly for me in the end. Banks used to block transactions when consumers did not have the funds. Now, it is all a money grab. 

In the end, it is frustrating to deal with this because I have a family to support, and I have to pay them the money, or it goes on my credit, which is hard to build and easy to destroy. It is a double-edged sword ; more branches should protect their consumers instead of filling their pockets. 

Thank you for your time, and I hope my story can help pass laws or acts protecting consumers from overdraft fees. 

XXXX {$100.00} XXXX {$72.00} XXXX {$36.00} XXXX {$72.00}
Product: Credit card or prepaid card

My Card was stolen and all the money was used off of it. I reported the card stolen and ordered a new one. The card company then transferred me to the transaction dispute department and after 4 hours on hold the call hung up on me. I've called repeatedly to fix this issue and after hours on hold it hangs up and I never get to talk to a agent. 

Card was stolen a second time. Same issue as before XX/XX/2020 ATM Withdrawal/XXXX  XXXX XXXX XXXX Ok/XXXX/ {$100.00} XX/XX/2020 ATM Withdrawal/ XXXX XXXX XXXX XXXX OK/ XXXX {$200.00} XX/XX/2020 ATM Cash withdrawalXXXX XXXX XXXX XXXX XXXX OK/ XXXX {$43.00} XX/XX/2020 ATM WITHDRAWAL FEE/ XXXX  XXXX XXXX XXXX OKXXXX XXXX {$0.00} XX/XX/2020 PURCHASE/ XXXX XXXX/ XXXX OK/ XXXX {$32.00} XX/XX/2020. XXXX XXXX XXXX XXXX OK/ XXXX {$74.00} XX/XX/2020. XXXX XXXX XXXX XXXX XXXX/XXXX  OK/ XXXX {$47.00} XX/XX/2020 PURCHASE/ XXXX   XXXX  XXXX/ XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX XXXX {$27.00} XX/XX/XXXXPURCHASE/XX/XX/XXXXXXXX  XXXX OK/XXXX/ XXXX XX/XX/2020 PURCHASE/ XXXX XXXX  XXXX XXXX OK/XXXX/ {$20.00} XX/XX/2020. PURCHASE/XX/XX/XXXXXX/XX/XXXXXXXX XXXX OK/XXXX/ {$7.00} Everyday I have called my card company, been on hold for hours at a time and it always hangs up before I can talk to anybody