23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB on XX/XX/2022 complaint # XXXX resulted in identity theft the Equifax response to the complaint indicated all inaccurate information was removed when I received the The confirmation credit file from Equifax in the mailed confirmation # XXXX on page 6 has XXXX XXXX  on my credit file this file was never removed from my credit file. Also XXXX XXXX was reinserted without me being notified which is a FCRA violation. Please provide steps you took investigating my complaint I provided all required documentation required by FCRA and this neglect from Equifax has damaged my reputation and character and XXXX stress and the hours spent going to get affidavits and other copies notarized. Equifax also stated my data was breached and I have file a claim in regard to that as well. I'm demanding you remove those items that is inaccurate in my credit file. Also attached is a my data breach claim in which I was eligible. For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA
Product: Vehicle loan or lease

This account was showing open for the longest on my credit report. This account now shows closed, but with a XXXX balance. I have no contract with this company verbally or written. I do not do business with this company and it should not even be on my credit report.
Product: Credit card

On XX/XX/XXXX, I had a credit posted to XXXX XXXX account in the amount of {$16000.00}. This Bank of America card is attached to my checking account. I meant for this to be deposited into checking so, I went online to make a transfer. The largest transfer amount allowed was {$5000.00}. So, I made 3 transfers. The balance on this card prior to the credit deposit was {$0.00}.

Unknowingly, I was billed for " cash advance '' and/or " finance charges '' of {$200.00} with each withdraw. I called the credit card and they reversed one of the {$200.00} charges after asking why they were charging me finance charge on using my own money?

The agent then said the system was down and I would have to call next week to have the other charges reversed. When I called next week, I reached an agent that said she would take care it. But instead of reversing fees, as I was expecting, the remaining balance of {$220.00} was transferred into my checking account. I did not request this, as I stated I would " burn off '' the difference by using the card for purchases.

The credit card company was not transparent nor ethical with me in any of the phone discussions. I believe they also fraudulently charged me the finance fees.

I called again and spoke to a supervisor that stated my account was sent for decision and request to reverse fees was declined. I was not given a chance to appeal this decision nor was disclosed the fees prior to the online transfer. I was told that if I called the XXXX number, the agent would have made the entire transfer for me with charges or fees. 

I do not feel that I was treated fairly between being an online customer or a phone customer. The fees were not clearly disclosed or I would have made the choice to call instead. I also an disputing the finance charges being assessed against my own money and not a bank cash advance. 

I greatly appreciate the follow up in this matter. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer. 

XXXX XXXX XXXX failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
XXXX reported transactions and experiences to Experian without permissible purpose and or authorization from principal.
Product: Checking or savings account

On XX/XX/2021 Citibank allowed an unauthorized user to access my checking account and withdraw {$16000.00} out of my account. When I contacted Citibank they investigated and said it was my fault for allowing this fraudulent transaction. I dont know what they based there decision on because Citibank allowed an unauthorized user to access my account without my consent or approval.
Product: Mortgage

I have a mortgage with Provident Funding. I made an online payment and I entered my account number wrong by one digit which I did not know until I asked them to verifiy what I entered. I called to find out why my payment was not processed and no one could help me correct the issue. The 3 people I spoke with told me I had to wait for an email before it could be corrected ( including 2 supervisors ) and I was going to be charged an NSF fee because it 's my fault not Provident Fundings. This is not a matter of NSF, I entered an incorrect account number by mistake ... .the 1st time in 9 years!! Everyone that I spoke with at Provident was SMUG, XXXX and showed not one bit of EMPATHY. I do n't see how they have any customers ... ..I am actively looking now to finally refinance. I guess I should send them a thank you card for being just as rude as can be.
Product: Student loan

I requested a refund for payments made during covid deferment. Fedloan Servicing processed the request and said I would get a payment in 6 weeks. I have yet to get a payment and can't get a hold of them for an update.
Product: Vehicle loan or lease

I XXXX XXXX bought a truck XXXX XXXX XXXX  XXXX XXXX  XXXX Mileage XXXX XXXX Color VIN : XXXX on XX/XX/XXXX. Salesman XXXX and Manager XXXX. Location : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I discovered that This truck was Total lost reported on XX/XX/XXXX. This Dealership sold me this truck as in good conditions. Total Amount Finance {$23000.00}. Finance Charged : {$15000.00}. Total Sale Price : {$41000.00} When I tried to Refinance This truck because is to high my car payment. The Finance company printed out my vehicle history report in XXXX I was informed that this truck value is not according the amount I owed. I am the third owner of this vehicle. How can be possible was not Report it to Department of motor vehicle. I am doing my truck payments to Westlake Financial Services XXXX : XXXX XXXX XXXX XXXX XXXX, California, XXXX.
Product: Mortgage

The Money Source has been overcharging me for my loan. Since XXXX of XXXX, I should have paid {$180.00} towards my yearly insurance, nothing more. I have been sending them my tax exemption documentation repeatedly. 

I have requested this from the company and now I am enlisting the Consumer Finance support.

I would like an escrow analysis ran from XX/XX/XXXX because I have overpaid the following amounts : XXXX XXXX XXXX : {$100.00} Totaling : {$1200.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} Totaling : {$7200.00} As a XXXX XXXX  veteran the handling of this loan has not only created a hardship but my family and friends have supported me and watch the disinformation and obscurity that I have been met with by their representatives. It is nothing short of criminal. 

I am requesting the return of the overpayments for this mortgage. I am requesting a written explanation and copy of the $ XXXX check sent from the City of XXXX and cashed by TMS . This is not reflected on either escrow analysis that the company sent me. Again, I am met with disinformation. 

I will be making several complaints and leaving this company upon the return of these funds. Lastly, I am requesting that ALL late fees documented for this account be removed. 


Respectfully yours, XXXX XXXX XXXX
Product: Vehicle loan or lease

I filed a complaint with the XXXX XXXX for unfair practices and phone harassment. Company sent a letter admitting fault but never said it was for my complaint, admitted fault for not including me in the XXXX virus static program, so they repaired my credit, and agreed to release my vehicle. XX/XX/22 I called to release my vehicle, but made several Calls back and for for XXXX hrs, never getting it released from auction.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I use the Airtm service and i transferred {$490.00} BUSD that I had in XXXX to Airtm on XX/XX/2022 and everything is correct. 

I sold the {$490.00} BUSD directly to {$480.00} Airtm ( BUSD to AirUSD ) which is the currency they use to make transactions with other users ( XXXX ) on XX/XX/2022 and everything is correct. 

I try to sell the {$480.00} Airtm to send the funds to my bank account and I get a message that says : " Limited Account. You are not allowed to move funds on Airtm, contact XXXX '', in that At the same time I make a report on XX/XX/2022, they sent me an email that says : XXXX XXXX, nice to greet you. 

Our specialists are still generating a review of your account, from our Support team we are following up on the case, as soon as it is over we will send a notification through this channel. 
Cheers. '' It's been more than 17 days, they don't resolve the blocking of my account and they don't give me any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is probably the 10th time Ive been trying to get Equifax to fix the incorrect information on my credit report. For some reason, Equifax did correct the issue a few weeks ago. But I checked my credit karma today and I saw that they put it back to the incorrect information. I dont understand why Equifax is doing this to me. This is the 10th time Im telling Equifax I did not file for bankruptcy XXXX. Ive sent proof that I did not file on that date. I really want them to remove bankruptcy off my credit report. Because they are ignoring the proof that Im providing to them. And the fact that they will correct the information and then change it back to the wrong information feels like they are playing games with me. Everything Equifax is doing is going against the fair credit act. They are defaming my name on purpose just to make money and thats not right. I have a family that I need to take care of, so I dont have time to keep doing this. When I apply for places to live I keep getting denied because they are seeing that I filed for bankruptcy in 2021 which is not true.obviously Equifax does not care if me and family end up homeless because of the mistake that they made. And actually its not a mistake because Equifax knows exactly what they are doing. They are ignoring the proof that Ive provided. I am sending proof again that they are reporting the wrong information. I want this bankruptcy deleted immediately for false reporting.
Product: Checking or savings account

XX/XX/year> XXXX I try to talk to the company but no help
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have checked a message from the occ about looking into the matter and checking it's reply, made a FDIC check and got a reply of approved bank Finacial establishment, had complaint of the bank in a civil matter XXXX am eRecording back with a attachment with a statement of civil penalty
Product: Debt collection

I check my credit at least twice a week I pay off all of my debts. I recently checked my credit and found multiple medical bills that I didn't recognize. I have not previously received written notification or any other notification about the debt. The only reason I contacted and paid this debt in full that showed up on my credit report is because, I am making a purchase that these derogatory comments will reflect negatively on me. I feel like I am being strong arm by the XXXX for something I am not sure I should be paying, but I have no choice but to pay in order to purchase a place to live. Thank you any help you can provide would be helpful.
Product: Credit reporting or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX : # XXXX, DEPT ED XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in my early  XXXX    XXXX   which I am now almost  XXXX , I moved to   XXXX   for a business opportunity. After three months I got promoted and had to move to   XXXX  . In conclusion it has been over 5 years and there is a credit reporting agency even though I paid it off, it still shows a dregotory item on my credit report just as bad as a bankruptcy. There are a few credit cards and all things that were not my fault from a roommate that signed a lease without me knowing and 2 years later I received a bill and paid for it. My credit report has been ruined for 5 years. I even have a mortgage in my name a car lease in my name. But the problem is I always have to have a co-signed and I always pay outrageous fees because my credit is always poor from 5 years ago. I paid all these debts off. Most of them I did n't know went into collections until I moved back to  XXXX . I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me.

Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE WENT DOWN 50 P0INTS IN ONE MONTH FOR NO REASON. I APPLIED FOR XXXX  LOAN FOR MY WORK OVER 4 MONTHS AGO BUT DID NOT HAVE A REFLECTION ON MY SCORE BUT JUST NOW LOOKED AND IT DROP 50 POINTS. WHY?? 

I AM CONCERNED WITH ID THIFT, I HAVE HAD TO CHANGE CREDIT CARD REPLACEMENT FOR UNAUTHROIZED USE AND I AM WORRIED THERE IS THEFT
Product: Checking or savings account

Applied to a apartment. Apartment told me I didnt qualify, they would refund me the admin fee. Filed a dispute with BOA. XX/XX/XXXX BOA ask for evidence and proof of the merchant stating they would refund me. I send over the information. BOA is refusing to credit my account while they investigate! Claims, because the amount is XXXX dollars they cant credit the account. However, a coworker has disputed charges with BOA with amounts over XXXX and was still able to have the funds credited to their account while the investigation happened. Its been over 30 days.
Product: Student loan

I attended XXXX University and XXXX XXXX back in 2009 and now they are no longer operating in Minnesota due legal or other issues.When XXXX schools closed, transcripts were sent to Mn XXXX. Mn XXXX ca n't find XXXX transcript 's, and XXXX 's credits are not transferable ( which when signed up for XXXX was told they would be ). Now I am stuck paying on a loan and nothing to show for it. Wells Fargo is servicor of my private Loan, and has excessed more than {$3000.00} fees on the loan, because they would not work with me, when explained I could n't afford {$500.00} a month for a payment and it went to write off/collections, the loan was only {$10000.00}. I asked Wells Fargo for a loan forgiveness a year or XXXX ago, due to the XXXX colleges closed in minnesota and XXXX college not being able to have access to transcripts and the other college not be able to use credits for classes taken. I had to start all over at another college because of all this, and with starting all over I now have student loan debt in amount of {$70000.00} for all XXXX schools combined. Wells fargo said nothing I can do, being its private loan. There should be the same options for private that are for federal, and people whos schools closed or other issue and now ca n't use credits or degree.These for profit schools get people to take out private loans because they convince them its needed to finish school. I was young when this happen, and not educated enough to not take out a private loan, or look furthering into fraud these XXXX schools were pulling.
Product: Credit card or prepaid card

Yesterday, XX/XX/XXXX a charge appears for {$280.00} yet I made no purchase yesterday. So I call them and as they are explaining to me what happened they hung up on me. I call back and speak to a XXXX who says they can't get details about the charge so I say why did the earlier rep have ability to access it. So I ask for a supervisor and none is available. So they waste an hour of my time and I have no more info. What a XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX ACCT  # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.