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

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Equifax. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account XXXX : XXXX XXXX Account number : XXXX XXXX payment reported : XXXX XXXX XXXX. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( XXXX XXXX XXXX ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( XXXX XXXX. XXXX and XXXX ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX XXXX requirements. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I was added as an authorized user on my wife 's credit cards. 
Without my permission. I asked to be removed on XXXX/XXXX/2015 and was told my name was removed from all three. She filed for debt reduction XXXX of the cards are still on my credit report. 
I want them removed
Product: Credit reporting or other personal consumer reports

There is fraud on the below accounts. I have recently detected suspicious activities on several accounts within my credit repot. I am taking these accounts like this very seriously, and am committed to safeguarding the security and privacy of my personal credit accounts. 

Upon thorough investigation, I have identified irregular transactions and unauthorized access on the following accounts : 1. Jefferson Capital Systems 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 XXXX XXXX XXXX XXXX XXXX Fraudulent Activity : Unauthorized access to this account has occurred, with evidence of fraudulent transfers and changes made to personal information.
Product: Mortgage

I initiated a short sale earlier this year. We received an offer back in XXXX and have been waiting for approval on the short sale ever since. The negotiator is now requesting a listing extension through XXXX. It has been months with no resolution. 
Wells is delaying the short sale to allow them to collect more fees. In additon, in XXXX, the property preservation company stole my stove from the property they secured. I called Wells and was promised follow up in a few days. It has been over a month with no follow up. 
I also sent an email to the XXXX XXXX XXXX XXXX on XXXX and never heard back. Today I called in and was given an email address of XXXXXXXXXXXX and advised he was Sales Advisor Consultant. I ca n't even get someone in management to speak with me.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with Experian, XXXX and XXXX   credit bureaus about the unverified account : US BKPT CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you
Product: Vehicle loan or lease

Obtained loan to purchase a used car XX/XX/XXXX for a XXXX XXXX with 101,637 miles on odometer. 

Borrower put {$3800.00} down as deposit and borrowed {$15000.00}. 

Now it's XX/XX/XXXX and the blue book value of the car ( {$10000.00} ) is less than 50 % of the Account Balance ( {$22000.00} ). At this point there is no way to get out from under this predatory loan. 

To add insult to injury, we spent {$4000.00} fixing the car before calling to surrender it ( timing chain tensioner failed, jumped teeth, and the valves hit the piston ). 

Credit Acceptance should not be allowed to make loans like this to vulnerable consumers.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/year>
Product: Checking or savings account

XX/XX/XXXX deposited two legitimate checks drawn from XXXX XXXX into my checking account. An extended hold ( 11 days ) was placed on the deposits, citing " check specific information '' that the checks may be returned. 
XX/XX/XXXX Visited the local BoA branch to find out what was the holdup, no one could tell me what the " check specific information '' was. Called XXXX, and in the presence of the branch manager, was told that the checks were indeed legit. Told that my account was now " under review. '' Left the bank and tried to make a purchase with my debit card and got declined twice. Returned to the bank and told that my account was frozen while under review. Could not access funds in my account until the hold was lifted, XXXX hours was the estimate. These funds were in my opinion being illegally withheld, as they were existing well before the deposits in question. 
XX/XX/XXXX Went back to the branch, got an email that morning from BoA stating that my phone # was deleted and could no longer use XXXX because " the account was closed. '' Associate had no idea why that was sent. 
Still waiting for BoA to resolve, unbelievably bad customer experience. I'll be closing my account ASAP after this is resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there were a series of 5 pay anyone transactions being sent in various amounts to a person named " XXXX XXXX '', which totaled the aount of {$600.00}. Many of the transactions included a note " dinner '' & were all issued within the period of 30-45 minutes. I did not authorize these transactions, nor have any knowledge of whom the recipient is. I noticed and identified the fraudulent transactions within 30 minutes of the the final payment sent & immediately notified CHIME to report the unauthorized transactions. Despite CHIME being promptly notified of these fraudulent transactions within 30 minutes, customer service began interrogating me with questions as if I was the one commiting the fraud. Several days following my dispute I recieved notice that my claim/dispute was denied due to my transaction history with the recipient ( which is non existent aside from the reported fraudulent transactions in question ) & the fact that it was a pay anyone transfer. I had informed Chime that i did lose my cell phone the week prior and was using a new phone, which could have been a possibility & that i was asleep during the time these transactions occured ( all were made around XXXX PST. 

As a customer of this negligent and crooked company, I properly and promptly notified them of this fraud, which is not characteristic of any of my previous banking activity - yet they are placing the blame on me and would not even issue a temporary credit at any point throughout when that was my last {$600.00} to survive. Researching Chime it appears that this seems to be a normal business practice by improperly adherring to regulations with regards to payment disputes. 

I want my {$600.00} refunded to my account as Im rightfully owed.
Product: Student loan

While serving in the XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX I had to obtain federal student loans to pay for college due to the VA not honoring my XXXX XXXX I joined the XXXX XXXX XXXX in XX/XX/XXXX and served until being injured in XX/XX/XXXX In XX/XX/XXXX I joined the XXXX XXXX and served until XX/XX/XXXX. When changing from the XXXX XXXX to XXXX the VA was not Honoring my XXXX  XXXX. So every year I would have to file a deferment until I could get the VA issue resolved. Apparently while I was on XXXX XXXX the loan had defaulted and I was never contacted to do another deferment. Around XX/XX/XXXX I was notified by my employer of student loan garnishments. When I contacted Navient to dispute as I was a Military member, they refused to work with me. The original student loan was around {$26000.00}, when they defaulted it doubled to over 46,000. They never contacted me to setup payments instead they sent loan to a 3rd party XXXX XXXX to collect funds.
It has been a nightmare to work with the 3rd party as they would bait and switch  programs on me. Also after more than 4 years of making the payment of well over {$500.00} a month to 3rd party, found that they have not paid one dollar to the Loan Holder Navient.
When I contacted Navient asking about the money allready paid well over 26,000 they say that its not up to them to collect from 3rd party until full amount is collected and to correct the negative reporting on my credit report. As of today when I called them asking for them to pul back the loan, I am told to prove to them I ever served in the military. They have refused to work with me in anyway and constantly reflect my issues and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that my personal information was used to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX  I did not open or authorize this account, and I therefore request that it be closed immediately. I called the company personally on XX/XX/XXXX and spoke with XXXX he then told me to write a detailed letter supporting my cause, and to attach police report & or any Complaints filed.
Product: Checking or savings account

This email I sent to Citibank is a summary of the events : Dear Citibank, I am writing to express my profound dissatisfaction with the handling of a fraudulent transaction on my account and the subsequent customer service experience Ive endured with your XXXX XXXX XXXXXXXX days ago, a fraudulent XXXX transaction of {$4500.00} via XXXX XXXX was processed from my account. Despite the usual rigorous verification procedures for transactions, this one was completed without any such checks. Immediately upon receiving an email regarding this transaction, I contacted your support team to report the fraud. 

Unfortunately, my experience since then has been marked by severe inefficiency and frustration. Over the past XXXX and a half days, I have faced continuous issues including my calls being transferred, placed on hold for extended periods, and in some instances, the calls have been disconnected or dropped, and actually hung up on! I was advised to visit a physical branch, which is impossible given that there are none in XXXX. Other suggestions such as opening or closing accounts have only added to the confusion and dissatisfaction, as I have been told conflicting information regarding these processes. 

A significant problem has been the handling of the " security word '' verification. Despite repeated attempts to provide the correct information, including my mother 's maiden name, the calls were ended abruptly with no resolution. This has left me without access to my account and funds, exacerbating my frustration and sense of helplessness. 

Given these circumstances, I demand the following : XXXX resolution of the fraudulent transaction with a full refund of the {$4500.00}. 
Transfer of my remaining account balance to me without further delay. 
A thorough review and improvement of your outsourced customer service operations to prevent such issues in the future. 
This entire experience has been exceptionally disheartening and has eroded my trust in your institution. I regret to inform you that I will be closing my account and discontinuing any future business with Citibank. 

I expect prompt action and resolution to these matters. Please contact me directly aXXXX XXXX XXXXr this email ( removed ) to confirm receipt of this complaint and to provide updates on the resolution process. 

Sincerely, ( removed ) Case number : ( removed ) XXXX XXXX of my savings acct : ( removed )
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address.

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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXE-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I applied for a Wells Fargo credit card online at wellsfargo.com. Shortly after submitting my application, I received a notification from XXXX indicating a credit report pull attempt, which I then realized was due to my frozen credit report. 

After removing the freeze from my credit reports, I reapplied and received a notification that the application required further review. Wells Fargo then contacted me via text message requesting additional information. Upon contacting them, the representative informed me that they couldn't access my credit report and needed my authorization to pull it. I provided this authorization under the belief that no prior report was obtained. The representative then pulled the report and forwarded it for underwriting. 

However, I later received a letter stating that my application was denied due to a lack of credit report. Confused, I reauthorized the credit pull. This time, the application was denied due to too many recent credit card openings within the past XXXX  months. 

Upon reviewing my credit report, I discovered XXXX hard inquiries from Wells Fargo, all initiated on XX/XX/XXXX. Since I was previously told my report wasn't accessible, I contacted Wells Fargo again requesting the removal of XXXX inquiries, as they seemed unnecessary. Unfortunately, they declined my request.
Product: Credit card or prepaid card

I get approximately 8-10 calls a day not 3 mins goes by and they keep calling some calls from unknown number and other numbers appearing from out of state the numerous calling throughout the day is ridiculous and has reached harrasment morning afternoon day and night calling
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2022 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts and inquiries. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2022 I received the results back from Equifax in which they claimed to have verified all of the items I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is identity theft report with the following fraudulent inquiries listed below Equifax XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

Well Bank of America is at it again! XX/XX/XXXX after BOA admitted they did not do right by me they told me to reach out to a XXXX XXXX to re-modify my Home Equity Line of Credit loan. I did and supplied heaps of paperwork and kept a good line of communication with XXXX XXXX. After 3 months It was deemed by BOA there was nothing they could do for me? XXXX stated that he would reach out me every month to see how I am doing and if anything came up to help me he would jump on it. I never heard from him again, as a matter of fact I could not get in touch with anyone regarding my loan because statements stopped coming, my account # did n't exists anymore, here we go again BOA! After dozens of attempts to find out where my payments were going I found a rep who finally explained to me that once again BOA charged off my loan there would be no further contact from them. I also found out my account was put in their bankruptcy dept. I did not understand this because yes I had to declare bankruptcy XX/XX/XXXX but it did not include the house. BOA however considers the HELOC to be a revolving product thus declaring me bankrupt, ruining my credit for good and keep in mind my bankruptcy did not affect them! The person who described what BOA did to me stated that BOA " sells '' people HELOC 's because they are small payments and tax write offs. She then said that the ploy is that you will need the money, which I did when I lost my job and use it. Now I am in a situation where, even though BOA encouraged me to do a remodifacation they knew XXXX well they were not going to approve anything and now my loan is " charged off ''. Charged off means that now I owe the whole loan in full! There will be no statements or contact persons for you because you XXXX been charged off. Also now that I do n't have a loan BOA is now hitting my checking and savings accounts with fees I have never had to pay, ever. I just recently reached out to the bankruptcy dept to get some clarification on the safety of not not loosing my house as long as I am making payments. The person told me there is no guarantee and refused to answer any more questions. BOA sets people up to fail and when they do BOA walks away and feels no compunction to help you. The fact that a bank can make decisions about your most important and personal investment without letting you know anything until it 's possibly to late is unconscionable.
Product: Credit reporting or other personal consumer reports

this account is a complete violation of the no surise act, delete the listed accounts XXXX XXXX XXXX XXXX XXXX {$3200.00} PAST DUE XXXX XXXX XXXX {$42000.00} PAST DUE COLLECT CANT BE PAST DUE VIOLATION OF HIPPA LAWS VIOLATION OF SUPRISE ACT LIGIGTION WILL FOLOOW IF NOT DELETED