23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the dates XX/XX/21, XX/XX/21 and XX/XX/21 I called the M & T Bank customer service support number to file a dispute in the amounts of {$1300.00}, {$320.00} and {$500.00} respectfully totaling {$2200.00}. All 3 transaction was with the merchant XXXX. All 3 items were returned back to merchant. The items were purchased and returned and the merchant never credited me for the amount. I called the merchant many times and everyone gives me the run around which is why I called M & T Bank to file a dispute. However M & T Bank denied my claims because I was told the merchant provided M & T Bank with the purchase receipt as evidence. I told the M & T Bank customer service agent how is a purchase receipt used as evidence if the item was returned and credit was not given back to me. He could not answer me back and told me to fax a written statement to M & T Bank to reopen the case and Its been over 3 weeks and no far I have not heard back from M & T Bank. I had a similar case with the same merchant before and M & T Bank did honor my dispute that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO TRANSUNION FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO TRANSUNION. THOSE ACCOUNTS ARE EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX TRANSUNION HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( XXXX ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO TRANSUNION AS WELL. If TRANSUNION OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Product: Debt collection

I have received several call today ( XX/XX/23 ) to verify my identity with them so the can serve me papers. Would not tell me what kind of papers. I asked if they were a process server and if so, that's not what process servers do. I repeatedly asked her not to call me and end the calls. The rep ( XXXX XXXX ) continued to call back and then left a message stating that they would 'serve ' me and would also come to my job if I didn't return the call. I advised XXXX XXXX to mail me what she had ; she refused but told me to call XXXX. 

Additional Phone Number used : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAP ONE AUTO, XXXX XXXX, and XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ).  I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAP ONE AUTO, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U S C 1681 section 602 A states i have the right to privacy.

15 U S C 1681 section 602 A section 2 it also state a consumer reporting agency can not furnish a account without my written instructions.

12 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing 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 XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a recent dispute for negative items on my credit file and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate information reported by Experian on my credit profile. Despite multiple disputes and over XXXX months of waiting, these inaccuracies remain unresolved. The following accounts are being reported incorrectly, causing significant harm to my creditworthiness : XXXX XXXXXXXX XXXX  XXXX ( Account No. : XXXX ) The account status inaccurately reflects a charge-off of {$3300.00}. This information is incorrect and needs to be removed. 
XXXX XXXX XXXX ( Account Nos. : XXXX and XXXX ) Both accounts are listed as collections with balances of {$1800.00} and {$2400.00}, respectively. These entries are unauthorized and do not accurately reflect my credit obligations. 
XXXX ( Account No. : XXXX ) This account is falsely reported as charged off with a past-due balance of {$6500.00}. The information is inaccurate and harmful to my credit profile. 
XXXX XXXX XXXX ( Account No. : XXXX ) This account is marked as Paid, Closed, but inaccurately reflects late payments. I have never been late on this account, and this misreporting must be corrected. 
FCRA Violations : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

15 U.S. Code 1681i ( a ) ( 1 ) : Failure to investigate disputed information within the legally required timeframe.

15 U.S. Code 1681s-2 ( b ) : Failure of furnishers to investigate disputed information.

Resolution Sought : I am requesting the CFPB to : Require Experian to immediately delete the inaccurate accounts from my credit profile. 
Ensure compliance with the FCRA and confirm the corrections in writing.
Product: Checking or savings account

Since XX/XX/22, fraudulent activity has been happening with my Wells Fargo checking and credit account. Despite numerous " claims '' and investigations, money keeps being withdrawn from my account that Wells Fargo has been unable to prevent. All of the activity is happening in XXXX XXXX with one exception occurring in XXXX. As soon as they offer me any sort of credit, the money is siphoned away. When my checking account is overdrawn from this fraudulent activity, they remove funds ( overdraft ) from my Well Fargo credit account. There were also fraudulent cash advances done on the credit card, but this seems to have stopped. 
I am approaching the month mark of this fraudulent activity occurring and have been living off a separate credit card, hoping this will get resolved. I can not sustain this much longer. It has also been very emotionally upsetting.
Product: Money transfer, virtual currency, or money service

I use XXXX and was not informed of the risks of sending money in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Product: Credit card or prepaid card

Pursuant to complaint XXXX filed on XX/XX/XXXX, I was re-charged an additional {$140.00} again on XX/XX/XXXX. On enquiring why this was charged, the company informed me that this was again due to making my first payment 2 days late. So, American express has charged me {$310.00} interest on a balance of about {$10000.00} for 2 days, effectively an interest rate of 550 % annualized. That is not a typo. This is hypocritical and an obvious violation of all UDAAP rules and company ethics.

I would like to request the CFPB commissioner to investigate company practices to ensure American Express is prohibited from using such deceptive practices to actively swindle cardmembers of significant sums.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started with my interest to refinance my mortgage with NEW AMERICAN FUNDING ( NAF ) in XX/XX/2019 but just died when my Sr Loan Officer, Ms XXXX XXXX no longer responded to my inquiry regarding my mortgage insurance. Then on XX/XX/2019, I got a credit alert that NEW AMERICAN FUNDING ( NAF ) and XXXX XXXX processed hard inquiries without my knowledge or approval. This has affected my credit score! I immediately sent out an email to NAF Sr Loan Specialist, XXXX XXXX, the manager of Ms XXXX, to help me understand why I got these inquiries as I never gave authorization to pull my credit report. She NEVER responded. On XX/XX/2019, I then called NAF Customer Service and was referred to CS Specialist XXXX XXXX, for assistance. I forwarded all supporting documents to help with his investigation ( see attached ) thru email. Despite all the supporting documents forwarded to Mr XXXX and my repeated follow up on the status of my case, on XX/XX/2019, Mr XXXX finally responded only to verify if my main concern was due to the recent inquiry that occurred on XXXX. Very disappointedly, I responded on the same day, repeating as to why I am reaching out to them is because I am disputing the hard credit inquiries they posted without my approval. On XX/XX/2019 I received a call from NAF Sr Loan Specialist XXXX XXXX and she CONFIRMED SHE MADE AN ERROR WITH HER INQUIRIES. I asked Ms XXXX to remove the error immediately and she acknowledged. The next day, XX/XX/2019, I emailed Mr XXXX to follow up and ensure that Ms XXXX will FULFILL HER COMMITMENT TO REMOVE THE INQUIRIES. After several follow up, I kept receiving the same responses from Mr XXXX that they will contact XXXX XXXX to have the hard inquiry removed. To this date, I still have not received any confirmation that my request has been completed. They admitted the error but no correction is being done despite my repeated follow-up request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold to Carrington Mortagage in XX/XX/2022. We had a 60 day window to make our mortgage payment with them and we were closing on our home on XX/XX/2022. The full mortgage balance was paid on XX/XX/2022 and Carrington is reporting on my credit report a 30 day late payment. The payment was not late and when I call Carrington they tell me it wasn't late but it's still reporting on my credit as late.
Product: Debt collection

Midland credit management has taken legal actions with my account # XXXX. Will you please verify that the information reported is 100 % accurate and be fully verified. Otherwise please remove from my credit. Thank you!
Product: Debt collection

About 2 weeks ago I was contacted by XXXX XXXX XXXX XXXX. They said i owed a credit card debt of over {$7000.00}. I told them man I hadn't had any credit card with that kind of limit ever in my entire life. In fact I'd only had 1 credit card ever and it had a {$300.00} limit so he was very mistaken. I told him I wanted to see the paperwork from when the card was opened with signatures and any supporting documentation. He told me I would be served within 48 hours with a court date. I waited and nothing came. I called them back and asked where the paperwork was and the lady was rude and only wanted to discuss how I was going to pay the debt. In installments or a lump sum? I told her neither!! On XX/XX/2024 i received a automated call stating they were going to send a skip tracer after me and I hung up and called them right back. I spoke to an actually nice man that emailed me a letter with the original account number and the company that I was supposed to have owed this debt to. I contacted the company and gave them my name, social, and account number and they informed me that they have no such account under any of my information. That's when they told me to contact you.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and noticed XXXX hard inquires on my credit, that I HAVE NEVER AUTHORIZED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give authorization to these companies to pull my credit score. This is fraud!! Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. Please investigate this and send me proof. If proof can not be provided, I demand to have these inquiries removed, thank you in advanced.
Product: Mortgage

In XX/XX/XXXX, my mortgage was with XXXX XXXX. I had been working with them about my upcoming property tax free status at that time. I am a XXXX XXXX XXXX veteran from the VA and in the state of Maryland, I don't pay property taxes on my home. XX/XX/XXXX, I receive a letter stating that my mortgage was sold to XXXX XXXX XXXX and the turn over of all of my information would take place on XX/XX/XXXX. My property tax free status was complete with the state of Maryland on the XX/XX/XXXX and back dated to the beginning of XX/XX/XXXX. I contacted my new mortgage company on the XX/XX/XXXX and told them the same information that I told XXXX. XXXX 's tax department informed me that they would get in contact with my county to see what the new amount is once the paperwork was complete with Maryland. I told XXXX XXXX the same information that was expected from XXXX. I was told that they were going to open up a case to look into it and it would take approximately 3-4 weeks for my new payment to be updated. 

About the XX/XX/XXXX, I call XXXX XXXX to see what the status of everything is so I can make the correct payment. I was told then that they didn't see any record that I ever contacted XXXX XXXX. The representative told me that she would submit all information and I should see a status update within 7 business days. I call back again the XX/XX/XXXX to see where everything is. The representative told me that my claim was still processing. She informed me that I won't need to worry about any fees or anything since I was in a 60 day window reprieve from any late charges. 


Monday XX/XX/XXXX, I check my mail and I see several collection letters from XXXX XXXX stating I'm delinquent of payment. I immediately call XXXX XXXX to see what is going on. I was told by the first caller that she didn't see any case open for me and that my mortgage payment changed from XXXX to XXXX. I told her that my normal payment was XXXX and was only temporarily pushed north to make up for some taxes. I inquired about my escrow balance because I intended to make one mortgage payment with my escrow balance since I am property tax free. She informed me that I have a balance of - {$810.00}. They sent off property tax money without even contacting the state to see what it was supposed to me. The representative told me she could submit another claim, but seeing as how the last 2 didn't work, I demanded to speak with someone higher up. I was supposed to be transferred to her supervisor but instead hung up on. 


I call back and this time was automatically transferred to the collection agency. I spoke with a gentleman who told me that I have to do their job for them and contact the state again so they can fax or mail over the tax bill for XX/XX/XXXX. He told me that it will take at least 2 weeks after they receive that letter to update my payment and an additional 4-5 weeks after that to receive a refund of my escrow account.
Product: Checking or savings account

I sold a $ XXXX truck to an individual for $ XXXX because he need assistance. He wrote me a check from First Citizens Bank. I went to cash the check and after 30 minutes of due diligence, calling the owner of the checking account, verifying why the check was written and other banking review the manager XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX CA XXXX refused to honor the check. He said that was his policy at the branch and when I asked to see the written policy, he said " NO ''. In other words he can discriminate against any individual he deems not worthy. The funds were in the account, everything was verified ; however, XXXX XXXX did not like me and was not going to assist in this transaction. He stated the owner must come into the branch. I told him he is working 8-5 and does not have time and I am leaving for Arizona the next morning. I further stated he can verify me XXXX XXXX XXXX, XXXX, XXXX, XXXX by the internet. This is discrimination giving him ( branch manager ) the ability to discriminate against race, religion, anything he wants without justification. He almost cost this client a vehicle. I am very affluent and can afford selling a vehicle at a loss ; however, this person could not afford losing this vehicle. He could see that I am a well established financial professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX ( Date opened XX/XX/XXXX and XX/XX/XXXX ) add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

The Fair Debt Collection Practices Act XXXX FDCPA XXXX is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Car Loan with First Hawaiian Bank on XX/XX/23 and was told that my credit should update at the end of XXXX because it usually takes a month now it's almost end of XXXX and my credit report is still showing that my loan is open and owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX TN XXXX ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX  submitted a derogatory mark against my credit claiming that they were collecting a debt from XXXX from a hospital. I contacted XXXX, and they were unable to give me any details about the debt including why they had not contacted me prior to submitting my information to the credit bureaus. I contacted the hospital who informed me that they would not have submitted any collection to XXXX XXXX XXXX  and that the debt had been paid. The hospital then emailed me a copy of the paid in full report. XXXX will not receive my calls ( they continually drop the call ) as I have tried to contact them to provide the proof of payment. I have emailed the proof to them and have received no response. I have mailed proof to them with no response.