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

From XXXX - XXXX Equifax has refused to remove incorrect information from my credit report. I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite the dispute submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs action may also contravene the Consumer Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A-B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Bank account or service

Paypal wo n't let me withdraw my money. The options they give me to " verify my account '' are all broken. I do n't see why they are able to accept my deposits, but then prevent me from withdrawing my money. 

I made withdrawals from my paypal account to my paypal prepaid card in {$300.00} batches since that was the most I could do per day. This option is clearly/encouraged by the paypal prepaid card as a valid way to fund my prepaid card, that is, direct transfer from my paypal account into my paypal prepaid account. 

All I want is to access my account to get access to my money. Paypal has been holding my {$500.00} hostage since XXXX/XXXX/15 and I am very upset about that.
Product: Money transfer, virtual currency, or money service

I uploaded money into my robinhood account on XX/XX/XXXX which was made available on XX/XX/XXXX I then requested the company help me open an IRA account which I had to eventually do myself in turn the company restricted my account after days and days of reaching out to unhelpful customer service agents with a number you can call that wont allow me to make a call and speak with an actual rep who can help now they have turned off my withdrawals and deposits making it impossible to get my funds from them they requested documentation for me to send to them so I can make the funds withdrawable no response after 4 days no call backs absolutely nothing whatsoever from robinhood.com
Product: Checking or savings account

I haven't checked my boa account since XX/XX/XXXX. Recently I found boa deducted my checking account {$12.00} each month from XX/XX/XXXX ( XXXX times= {$100.00} ). So I called boa several times for a refund. They told me at XX/XX/XXXX, boa changed the rule : will charge a monthly maintenance fee of {$12.00} each month if the checking account daily balance is under {$1500.00}. 
I have been using the boa debit card since XXXX, when i apply this account, Boa promised to waive the monthly maintenance fee until XXXX ( until now I am still below XXXX ). But now, Boa changed the rule in XX/XX/XXXX, only waiving the monthly maintenance fee under XXXX. So they deduct {$12.00} each month since XXXX. This rule is so unfair, they haven't notified the rule through any phone calls emails, etc, so I don't know my checking account has deducted about {$100.00} until now. Boa deducted this maintenance fee without any notification violates consumers ' right to be informed of any important information. 
I communicated with boa several times, they refused to refund {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is stating I owe them {$1000.00} for something that I never brought or product that I never received. The Credit Bureaus are not of much help as I have disputed this item 5 times and I still have to continue to show proof with a police report and Federal Trade Commission report. However XXXX XXXX XXXX  do not need to provide any proof to the credit bureaus. Please provide information as to what to do next? This has been going on for almost a year and still with no resolution.
Product: Debt collection

I never even received a bill and they take my trash bill out every month on time but didn't take this large dumper out of my checking and didn't send out a bill just sent it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.
Product: Debt collection

I am a victim of identity theft, the following account listed on my credit file should not be listed there. Please remove it as soon as possible.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists CREDIT CARD XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXXXXXX, XXXX XXXX XXXX has violated my rights. 
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 or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of : A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), with a balance of {$1400.00} charged off and {$1400.00} past due. 
A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), with a balance of {$3300.00} charged off and {$3300.00} past due. 
A personal charge card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), with XXXX late payment reported. 
These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Please take this inaccurate account off of my credit record. I never authorized its construction or use. The supporting documentation for my claim is included.
Product: Debt collection

My bill is covered by medicare and medicaid pheonix finacial has called me several times and beathed into the phone and hung up. When I called them back and they answed the phone they did not state the name of the business until I asked. I told them someone had been calling and hanging up on me. THEY TOLD me I had a bill from the physicians at the emrgency room that I refused to pay and I told them it was covered by medicare and medicaid I had given them the numbers and could again they hung up on me. They said they were sending it to collections over several weeks they called and hung up on me. I thought someone was harrassing me.
Product: Student loan

A loan was made with the federal government, sent to CBE collections agency to collect the debt and is now in the stages of harassment. They have called friends and family looking for me. It is to the point of inappropriate and a disgrace as the payment is in full.
Product: Bank account or service

TD Bank has charged me XXXX overdraft fees on XXXX/XXXX/16 for {$35.00} each and XXXX internal transfer fees for {$9.00} each, stating my account was overdrawn when XXXX outbound internal account transfers were executed, however on XXXX/XXXX/16, the account was funded with {$100.00} and the credit posted on the same day the account transfers posted, leaving the account with a sufficient balance to cover the overdrafts on the same day the transactions were placed, therefore no overdraft fees should have been charged and can not be justified. This account is not enrolled in overdraft protection, and td bank is not supposed to approve transactions exceeding the account balance. In regards to the transfer fees, TD Bank is charging these fees for regular day to day account activity which is unjust and unfair to the consumer. The XXXX transfers that were performed were XXXX transfers into my checking account and XXXX transfer into my savings account to cover a XXXX dollar negative balance. I should not have been charged transfer fees and overdraft fees totaling XXXX in 1 day for performing transfers to keep my account balances positive in good faith. The overdraft fees are my primary concern because no overdraft ever occured and the account had sufficient funds on XXXX/XXXX/16. When I asked customer service to waive the fees, they denied my request as if I was asking them to waive the fees as a courtesy. I am not requesting a courtesy refund. I am requesting a refund on grounds that my account had sufficient funds on the day the transfers were executed. still, the bank continues to implement ways to profit from the customer for normal day to day account activity.
Product: Debt collection

I have been trying to dispute this since turning XXXX XXXX XXXX. I have a credit account showing on my credit profile which I wouldve had to of been XXXX of the time of it opening. I have filed an identity theft report and they fail to even look at it
Product: Debt collection

I am requesting that this claim be removed from my credit report. 
The creditor 's claim was made on XXXX 2010 ( over 6 years ago ) and I never received documentation on this claim. I have XXXX debt collection agencies requiring payment for the same claim originally sold to them by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued National Credit Systems seeking documentation on the claim. These are the steps I have taken with National Credit Systems : 1. I have never received any documentation on the claim from National Credit Systems, they are required to send me documentation of the details of the claim made. 
2. I called National Credit System 's home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was ever sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation or claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted National Credit Systems over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. 
The original claim made by XXXX XXXX was erroneous and National Credit Systems was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
Product: Debt collection

I have not authorized this company to furnish or report any information related to this account to the credit bureaus. According to the Fair Credit Reporting Act ( FCRA ), Section 1681b, information can not be reported to credit bureaus without consent, and I have not provided such consent. Additionally, under Section 1681e of the FCRA, all information reported must be accurate, and I know this is not the case because I do not owe this debt.

Lastly, I have asked them to please provide evidence of their authorization, they responded with this account is accurate. I asked them to provide documentation and procedures to how they came up with this information as verified. If no such documentation exists, I request that you immediately remove this entry from my credit file being that it is causing damages to my reports and also tarnishing my reputation which has caused me losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents regarding my complaint against EXPERIAN. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXXXXXX XXXX XXXXXXXX. I also filed a CFPB complaint against XXXXXXXX XXXX in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Experian last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report.
Product: Credit card or prepaid card

Bank of America showed me " Special Offers '' for credit card that I says I prequalify and denied when I submitted. I called and tried to find out what happened and they would not approve. Why show the preapproval and waste a hard inquiry? Their marketing and the underwriting department should talk to each other. This is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the Attached documents pertaining to fraud and unlawful actions ADDED EXHIBIT
Product: Credit reporting

I disputed incorrect judgement information on my credit report twice and submitted paperwork showing that those XXXX judgements are NOT money judgements. They have them listed as if they are money judgements. I spoke to customer service as well and submitted paper work and when through a dispute twice already. I spoke to the court myself and they said those are reported incorrectly and a money judgement was never obtained from the creditor. I never had a money judgement at all. Those were possession judgements. The other XXXX credit reporting agencies took them off immediately but Equifax wo n't even listen. You can see there was no money judgement if you look on number XXXX on both pages. it 's checked and clearly shows there was never a money judgement.
Product: Mortgage

My complaint is failure to respond to my request for a loan modification, leaving my application in limbo, and then selling my loan to another servicer. 

I could no longer afford my mortage payment when taxes were added through escrow and the payments doubled. I could not pay my taxes because they keep going up as well as the cost of living and I am on a fixed income. 

I called Flagstar Loss Mitigation Department and spoke to XXXX on XX/XX/XXXX or XX/XX/XXXX to inquire about payment assistance. She suggested completing their online loan modificaiton application. I completed the application on XX/XX/XXXX and supplied all of the requested supporting documents. 

I went online to check the status of the application a couple times a week and it showed as still under review. I also called my personal contact, XXXX XXXX, and got a recorded message that my application was under review and there was no need for me to speak to anyone. 

It was about the third week that there was a Notice of Transfer message on my account that said the following : Notice of Transfer " Effective XX/XX/XXXX, your loan XXXX XXXX XXXX XXXX XXXX XXXX   will no longer be serviced by Flagstar Bank. 

Your new loan servicer of loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

After XX/XX/XXXX you can contact XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for more information. '' On XX/XX/XXXX I received a letter from Flagstar dated XX/XX/XXXX that stated that they reserved the right to accelerate foreclosure .... There may be options available other than foreclosure .... with phone number I called before. 

Why won't Flagstar acknowedge or work with me on a loan modification? I received no correspondence from them that accepted or rejected my application. They sold my loan instead of working with me to keep my home.

Flagstar has been sanctioned previously for not trying to help customers stay in their homes and illegal foreclosure. Is this more of the same?
Product: Credit card or prepaid card

Capital One has charged late fees in the amounts of {$38.00} and {$27.00} multiple times since the begining of the year, also claimed I missed payments and therefore owed a double payment I've called and talked to them several times finally managed to get a couple charges waived which I didn't need because I didn't actually owe any fees I finally wrote to the dispute address provided by Capital One because I feel my payment amounts, balances, interest rates, my personal credit has become negative and the balance of my account is a fraudulent amount generated by Capital One and the errors made falsely to that account, I requested they review statements from XX/XX/2019 to the most recent and adjust what's incorrect, subtract payments after adjusting balances and mail me a new corrected statement with a balance reflecting actual amounts, as I am still making a monthly payment on time like I have always done, I never intended to default or stop paying Capital One, I did notify them of this, but i'm not willing to be robbed and mistreated, made to feel ashamed, put in a negative way, told they've done what they can and waived late fees for me, and that is all they are able to do, they've explained my statement charges to me, I wasn't always late with payments but that i also wasnt paying required amounts which also allows them to add those fees, basically it's my problem, they had completely helped me, the account is correct, done. I asked, who received the letter I sent, how long before they respond, but it meant nothing and no one is going to acknowledge it because Capital One does not feel they wronged me, they don't care about me, or my feelings, or the way they're negatively affecting my life all i want what's right, it's easy to see who did what and where the fraudulent information started please help me work this out. I have enjoyed my relationship with Capital One but im devastated thinking they cant be trusted, that working issues out with customers isn't policy