23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i hvae been an american express customer many years.On XXXX i spent 8 hours on the phone with home depot trying to order a stove they hung up on me cursed, transferred me to people who did not help me it cost me a day of work. and much upset. ihave disputed only XXXX of the purchase for those reasons and for reasons related to a problem they still have yet to respond on. i think i have a right to dispute the whole thing based on my rights and overall experience. It should not be taking so long to dispute this. i disputed it XX/XX/XXXX usually it takes 4 weeks they are not responding. its not fair i dont have the available credit. even if they respondi will too they gave me XXXX dollars off at the time that is not enough to compensate me. 
Please dont tell me what i have heard i am not being charged for it i want a permanent credit and the available credit restored its been 6 weeks usually it takes 4 weeks i know the law. please resolve this matter in my favor if they were goig to answer they would have this is on my business plus card
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments reported. C=During the Covid Pandemic my school loan should be deferred or in Forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after taking 2 hours out of my day to wait on hold until an representative answered the phone, to be hung up on Not once but TWICE! So a total of 3 1/2 hours waiting on the phone XXXX/XXXX/XXXX. I had addresses that appeared on my credit report and I was calling to take care of the action. One of the addresses was XXXX XXXX XXXX, and XXXX XXXX XXXX both XXXX XXXX NC. I had the job XXXX XXXX pop up, but I 've been a employee of XXXX XXXX XXXX for years. I had a inquiry from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. This was all concerns that I expressed with the rep who told me that he sent a message to the other team to handle the concerns, but once put on hold they would hang up on me. I was more than polite, and the both reps was as well. I 'm more upset that things are on my report that should n't be and once I had time to handle the situation almost 4 hours was waisted out of my day for nothing. The hold times are ridiculous.
Product: Mortgage

Please see attach letter. I can not write everything that was done to me here. Even the letter i wrote is just the tip of what both Chase and XXXX XXXX service did and the coverup they tried. All I am asking really is a fair investigation to what i am saying was done to me. The letter I attach is just the least of what they have done. Not only did JPMorgan ( chase ) tried to get around the bankruptcy but they tried to cover their tracks by claiming they sold my mortgage to another company. What they didn't tell me was that the morgage company they are selling it it is serving the loan for them. Now check the confusion. The company who is servicing the loan chase ( because chase lend me the money for the home but it didn't come from chase it came from another place and yes i have that too, where my loan came from. but chase was the service of it who sold the service to XXXX  to service it for then. Please help me make sense of that PLEASE. Or how does this sound since chase lost money on me filing bankrupt because of the house they couldn't see like they was trying to get that money back. So they cook up this XXXX modification claim to sell it to another company who that company is servicing it for chase. I say that because XXXX who is serving the loan now cant or wont tell me where that extra XXXX dollars is going to. And correct me if I am wrong here but isnt a loan modification is to help to reduce a mortgage payment not add more to it and extend the length of the loan. Please once again some one tell me I have the definition of that term ( loan modification ) wrong. Or was this something far more then ( loan modification ) but hidden the true reason under that title Please see that attach letter.
Product: Mortgage

In the month XX/XX/2019, I missed a mortgage payment. My monthly mortgage payment is {$1800.00} each month. On XX/XX/2019, I sent {$2000.00} to pay my late XXXX mortgage. On XX/XX/2019 ; Suntrust returned my payment saying they could not apply the {$2000.00} dollars and the new increased mortgage payment was {$4000.00}. 
On XX/XX/XXXX, I paid Suntrust {$2000.00} and XX/XX/XXXX, I paid Suntrust {$2000.00} dollars. 
On XX/XX/XXXX, I received another returned payment from Suntrust Bank of {$2000.00} dollars and Suntrust says they could not accept or could not apply the payment of {$2000.00} dollars I sent them. Suntrust, now says the new increased mortgage payment is {$4100.00}. I am both tired and frustrated about this fraudulent game Suntrust Bank is playing to return my mortgage payments each month. When I send Suntrust my mortgage payment each month, Suntrust returns the payments as if I did not send them any payments at all. Then Suntrust fraudulently applies a late fee each time ; and fraudulently reports that I am not making any payments to my mortgage. This fraudulently reporting is also affecting my credit. Please Stop This is Fraudulently Activity within Suntrust Bank
Product: Student loan

Back in 2020 I was finishing my last semester but covid hit and my internet access was inturpted. Due to XXXX and the management of my building if you were not a tenet or had to interact with others in person they refused to fix my internet connection resulting in me not being able to submit my final assignments. I've contacted XXXX XXXX XXXX about this issue during this time in letting them know I couldn't submit my final papers and assignments using my hot spot from my phone. After awhile XXXX XXXX stopped responding resulting in defaulting my student loan. I have multiple emails as proof. Now I'm being sent to collections even though I've been back and forth with XXXX for the past three years. This situation was out of my control during this time everything was shut down in XXXX XXXX XXXX I'm asking for assistance before I process legel documents in civil court suing XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Noncompliance with FCRA ( 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) ) Complaint : I am filing this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Failure to Ensure Accuracy ( 15 USC 1681e ( b ) ) : Equifax failed to maintain reasonable procedures to ensure the accuracy of information on my credit report, as evidenced by multiple inaccuracies I have disputed.

2. Failure to Correct Errors ( 15 USC 1681s-2 ) : Despite notifying Equifax of specific errors in my credit report, they have failed to conduct a proper investigation or correct the inaccuracies, violating their duty to investigate disputes promptly and thoroughly.

3. Failure to Investigate Disputes Properly ( 15 USC 1681i ( 5 ) ) : Equifaxs responses to my disputes have been inadequate, often containing generic responses or failing to provide any substantive resolution.

4. Failure to Exclude Obsolete Information ( 15 USC 1681c ( c ) ) : My credit report contains outdated or otherwise impermissible information that should have been excluded under FCRA.

Additionally, I am aware of the recent CFPB enforcement action against Equifax, where they were ordered to pay {$15.00} XXXX for failing to properly investigate credit reporting errors. This highlights a pattern of noncompliance and further supports my claim that Equifax has violated my rights under the FCRA. 

Impact on Me : Equifaxs failures have caused me significant harm, including denial of credit, increased interest rates, and emotional distress. Their actions have impeded my efforts to rebuild my credit and achieve financial stability. 

Resolution Requested : I request that the CFPB take the following actions : Investigate Equifaxs handling of my disputes.

Ensure that Equifax complies with the FCRA by correcting the inaccuracies on my credit report.

Impose penalties or sanctions if appropriate.

Attached are copies of my dispute letters, Equifaxs responses, and evidence of inaccuracies on my credit report. Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was debit card purchase on XX/XX/XXXX with XXXX XXXX XXXX and I used my Business Bank America Debit Card ending in XXXX for the purchase the amounts were as follows: Here is the information to provide to your credit card company for this issue : OnXX/XX/XXXX/XXXX, three credit card transactions were processed in the amounts of XXXX, XXXX, and XXXX on credit card ending in -XXXX. On XX/XX/XXXX, our credit card processing company advised these three transactions were rejected by the cardholder as unrecognized transactions and were charged back. The funds were charged back to our Merchant account on XX/XX/XXXX in the amounts of XXXX, XXXX, and XXXX. Bank of America is still saying that they do not have the money and they will not give me a credit for these amounts.  I call everyday 2 to 3 times a day and I still get the same answer. I’m at my last rope with this bank and they are not trying to accommodate the customer at all and the merchant has been paid twice via wire.  I just want my money back in my account and the bank (Bank of America) is lying to me and they do not want to give me money back
Product: Credit card or prepaid card

My credit card was stolen approximately around the XXXX of XXXX of XXXX. I was not aware as I am sick and I do not check my wallet very often as I possess many cards. The card company is Citibank. I have called numerous times stating that I did not make any transactions after the XXXX of XXXX. The issue also is that the card company allowed the person who stole my card to spend over my credit limit. My credit limit was only 8,000 and they allowed the perpetrator to spend close to 12,000 without my authorization. The card I possess is the XXXX XXXX XXXX XXXX by Citi. Every time I call, they are very nasty to me and I have tried everything in my power but to no avail. There were no transactions processed on my account after XXXX XXXX. I had called for a replacement card and they sent me a card with the same number and when I went to use it, I was stopped inside of XXXX and pulled over to the side as if I was in possession of a stolen card. I called Citi explaining them what happened and in a very nasty manner, they suspended my account and told me they would send a new card. This horrific experience has left me to the point of bankruptcy. I am XXXX XXXX XXXX with very little income. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company affirm violated my rights under the fair credit act. i was a victim of identity theft in XXXX Wich has been documented with the all the appropriate authorities several unauthorized accountants were fraudulently open under my D.O.B and SSN. affirm being one of those accountants i recently submitted affidavit 's police reports to affirm. Just so that they were aware the acc that they had on file was due to identity theft and fraud. 
affirm claims they did an investigation and i was told that the information they had on file was accurate. in clear written words i ask to affirm to please verify to me what methods or resources they used to investigate affirm has bluntly denied me the right of them verifying the information they have on file. they ask me to send my current information to verify information they already supposably had. i sent over my current address and my identification card. Wich, they ask to give me information that was supposedly used to open these accountants they sent over 2 different addresses. one i had never been affiliated with or ever reside at. i brough this to affirms attention and they told me. they investigation is final and i owe their debt. I ask to affirm do they have any other relevant information besides addresses # acc etc. affirm told me that their decision was final. and they are going to report this outdated fraudulent debt to my consumer profile.
Product: Credit reporting or other personal consumer reports

The discrepancies in the reporting of my name are causing confusion and could potentially affect my creditworthiness and financial opportunities. 
I have previously attempted to resolve this issue directly with Experian by disputing the inaccuracies, but they have not been corrected. As a result, I feel it is necessary to escalate this matter to the CFPB. 
I am requesting your assistance in addressing this issue to ensure that my credit report accurately reflects my correct name. I have attached a copy of my birth certificate and social security card.
Product: Credit reporting 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 items that need to be fixed. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX, Wells Fargo reduce my credit limit by from {$19000.00} to {$9000.00}. When I inquired as to the reason the response I received was that I was late on a monthly payment. This late payment was due to the bank changing my statements from paper to paperless without my authorization. I requested that the back wave the late fee and reinstate my credit limit and requested documentation that I approved the paperless change in receiving my invoices for payment. After 2 months of escalation of the issue to the head office, I was told they could not provide the documentation and the basically said that they have been sending both paper and paperless billings to me so the matter was not valid. They do not even have an option to have both paperless and paperless billing options available. It is my contention that they are purposefully changing customer accounts to paperless without authorization in hopes to collect late fees when the client doesn't pay the bill on time. I am wondering how many other Wells Fargo clients have been defrauded by this type of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened the following credit card accounts XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX all without my knowledge. I have called these banks several times but they did nothing about it. Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them Equifax said they would delete these accounts but they still show on my credit report. Based on the attached transcript.
Product: Checking or savings account

XXXX XXXX charged me a whole olot of times on my account XXXX XXXX supposably took payments and then they got returned but i never saw money in my account. 
XXXX was paid as well by me on there online portal and got returned but never saw at it either on my bank of america account. 
same with XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  purchases with bank of america debit card and just alot of purchases i cant dispute with dispuite center because they even get mad at me because they want to sithere and dispute evrything with me and cant and honestly not enough help and everything gets worst because im in need my self rn im a XXXX XXXX XXXX XXXX  that has no money right now and all these pending issuers are really holding me up. 
because i am a hard worker but this makes me not want to keep working because im afraid my money goes to all the wrong places.and theres records on my bank account for all of this ..so i basically need to get reimbursed really fast because i didnt give my income for workimg hard to the wrong people.
Product: Checking or savings account

A few days ago I sent money to a guy in order to purchase a gaming account. The guy scammed me for XXXX and never returned the money. I contacted my bank in hopes to get my money back through a claim but I was denied even though I have proof. I resubmitted the claim and now Im getting silence
Product: Checking or savings account

XXXX withdrawals were made from my checking account without authorization first XX/XX/2019 {$1900.00} 2nd XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX these three I I have received credit back into my account 4th XX/XX/2019 was {$1000.00} I have not received and XXXX XXXX from Fifth Third Bank will not return my call all of these transactions came from a company called XXXX???
Product: Student loan

Mohela apparently bought my XXXX loans. Anyways I had direct loans with them already and there are two different sites I have to use to login, unbeknownst to me. I had assumed the newly bought Private loans would eventually appear on the one Mohela account I was accustomed to using. This makes it very confusing and difficult to keep track of what is due and when. Now there are multiple accounts that have been reported delinquent to the credit bureaus. This is extremely deceptive and unfair. They need to remedy this by adjusting the credit bureaus to remove the delinquencies from my credit reporting as well as my co-signors credit reporting now that I have brought them current.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 XXXX student loans on my credit report. All 3 credit XXXX, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit
Product: Checking or savings account

I'm a customer of XXXX on XXXX XXXX  I filed two individual claims one for the amount of XXXX and another for XXXX in which was supposed to be deposited into my account on XX/XX/XXXX too XXXX XXXX XXXX  which during this process of these claims BofA of claim department decided to credit me XXXX then in a 5 minute expanded turned around and did a adjustment debit and proceeded to take those funds back from my account and turned around and accused me of receiving those funds. As the investigation into my claims continue to see time pass bye and into XXXX. I continue to contact BofA and the claim department till XXXX XXXX and hack a reconsideration put back in on these claims and while waiting on this matter to be resolved I also sent in supporting documents to the investigation team of BofA and still no resultion but during this wait the claim department took it upon themselves to add two different claims amount one for {$1000.00} and another for {$500.00} that I did not submit or authorize as well as not being aware that those two claims whete add in doing they decided to credit me those claim amounts to my account but want resolve the two claim that i submittin XX/XX/XXXX to be resolved and the funds credit back to my account this has been s lengthy over two and a half years with them trying to resolvef this claims and to no effort all i get is it still under investigation with no answer to why all this and its time frame
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.
Product: Debt collection

I would like debt validation from this collection company. If they are unable to provide it then all references to the account should be deleted.
Product: Money transfer, virtual currency, or money service

The account was suddenly closed with {$2000.00} available in funds in the account then unaccessible due to no live agents nor no response or answers from contact consumers with the company still to this day unaccessible account because of an old phone number listed on the account needed to be verified after verified phone number the account then suddenly closed my account withholding my funds in the account with an active balance I used my maiden name on first XXXX then later switched it to XXXX and pictures