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

A debt collection company has reported inaccurate information to XXXX  and XXXX  has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called Consumer Adjustment Company ( CAC ) had filed a collection on me saying I had opened an account with them in XXXX of XXXX, which I had not. I filed a dispute with XXXX  to remove the inaccurate information and XXXX just closed the dispute ( # XXXX ) without any changes being made to my file.

Since the inaccurate information is still on my file, I contacted CAC directly and the representative acknowledged that in fact I had NOT  opened an account with them in XXXX of XXXX but that they had purchased an old debt on me in XXXX of XXXX. The debt they purchased was opened in XXXX of XXXX and the last activity on it was in XXXX of XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the CAC representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with  them in XXXX of XXXX. 
I called XXXX  and asked them to remove the inaccurate information but they said there was nothing they could do about it since CAC says it is correct.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2020, XXXX BBVA bank in XXXX accepted a wire transfer from my account ending in XXXX in the amount of {$20000.00}. On XX/XX/2020 XXXX BBVA accepted a second wire transfer in the amount of {$23000.00} from the same account. Both wire transfers were fraudulent. I have attempted to contact this bank, but they have no option for customer compliant and/or fraud to be from an international individual.
Product: Checking or savings account

My name is XXXX XXXX XXXX, recently I had a problem with Citibank. On XX/XX/2020, Citibank froze my account without notice or explanation. When I discussed this with the bank, they said that there was fraud on my account. They told me the investigation timeline is from 30-60 days, but I never received any statement saying this. It is now XX/XX/XXXX, and its been almost two times longer than what they initially said it would take. All my attempts to contact the bank on the phone and in the local branch have been pointless. Each time I call, they transfer me from department to another with no result, and then after a certain amount of time on the phone hey disconnect me. During this difficult time I have to fight the bank, for them to give me my own money back. I am a single mom, and I have a lot of economic problems, and I just don't have the knowledge or time to fight with one of the biggest banks in the U.S. I  can keep calling the bank with no result, but It would be of great help if you can hep me resolve this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number : ( XXXX ) XXXX Citibank Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Please consider this Email the filing of a formal complaint against Equifax, the credit reporting agency. 

I am a member of creditkarma.com. Equifax stopped updating my credit score on XX/XX/2023. I sent several letters to Equifax asking them to fix this, all of which were ignored. Then I recently applied for a XXXX XXXX Credit Card. I thought this would be a breeze since I am in good standing on all of my credit obligations including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I have an XXXX XXXX score provided to me by XXXX XXXX. I was turned down and the reason given was they received information from Equifax that I had Insufficient Credit Experience. ( letter attached ). That does not make sense since I am XXXX XXXX XXXX and have over 50 years of a PERFECT credit history. 

I went on line to see my Equifax credit report and was shocked to see all zeros and blanks. Now I see where XXXX XXXX got their information. It's like I became invisible to Equifax. And when I contacted XXXX XXXX  the service that approves XXXX XXXX XXXX, they said they can not use any other credit reporting agency. What a scam and what appears to be the good old boy system at work. 

I then called Equifax and tried to have a conversation with their representative to once again fix this problem. She was nice but had an accent too strong for me to fluently understand what she was saying. This is bad customer service. This after 30 minutes of questions all of which I answered. Since I could not understand her, I asked to speak to someone else. After waiting another 48 minutes on hold, a gentleman got on the line who also had a strong accent but I was able to understand most of what he said. He went through every piece of information to verify that I was who I said I was. Then he said I needed to send him more documentation in order to get my credit report back on Equifax. 

At that point I somewhat exploded. ( I did not curse or issue threats ) He had every piece of information about me right in front of him. I reminded him that this was his company 's screw up. I became invisible to Equifax due to no fault of mine. I scolded him that he is destroying my credit history and as such is destroying my life. None of which seemed to impress him at all. I told him that he needed to fix his mistake and fix it right now without me having to jump through even more hoops. He refused to accept responsibility and did not offer to fix his mistake. He seemed complacent to ignore my plea and after I told him that Equifax is supposed is in existance to help both businesses and consumers yet he seemed not to care what he was putting me through. 

I am filing a complaint that I have suffered damages as a result of Equifax 's inability to fix a problem that they made, even after I brought the issue to their attention. 

Your assistance in this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has changed the dates several time about these accounts that's in collaborations. It is way pass the time for these collections to be removed. Collection accounts are Portfolio Recovery XXXX {$790.00}, Portfolio Recovery XXXX {$1000.00}, portfolio Recovery XXXX {$1900.00}, Portfolio Recovery XXXX {$2000.00}. I've reached out to XXXX XXXX multiple time regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX  back in XXXXXX/XX/XXXX. According to MyFico score reports, XXXX  & Transunion showed a 30 day late status for XX/XX/XXXX, while XXXX  showed a 30 day late status for XX/XX/XXXX. See attached. 

I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX  appears to have added another 30-day late status to each of my reports. 

I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX  to furnish documentation to prove otherwise. 

Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identify theft and found numerous credit inquiries. I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following XXXX per XXXX. records, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( Experian ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( Experian ) ; therefore your response was due on or by XXXX 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( Experian ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
Product: Mortgage

My husband and I recently applied for a loan with NVR mortgages for our XXXX. 

In our loan estimate ( attached ), we were charged a full year 's worth of property taxes at closing in addition to being asked for nine months of taxes to be held in escrow. My husband and I thought that the 21 months ' worth in taxes was excessive and asked the loan officer XXXX XXXX to only hold 2 or 3 months in escrow. She refused to change it but did ask the NVR settlement company to confirm 9 months was correct. The settlement company she was wrong and only 2 or 3 months was needed but XXXX only said it was a " computer issue '' and still never sent an updated estimate. 

NVR and XXXX XXXX offer an incentive for using their preferred lender of {$15000.00} towards closing cost. The 21 months in taxes we were being charged totaled {$13000.00}, so it seems as if they were trying to exasperate charges to recoup for the incentive. 

XXXX XXXX also ran our credit to determine our loan eligibility but did not disclose to us our actual scores. We asked her several times for the written scores and her response was " give me a call. '' We declined to pursue a NVR but still asked for the incentive and complained to XXXX XXXX ( XXXX 's superior ), but she told us NVR did nothing wrong. 

NVR also did an unauthorized credit check on my husband and I around XXXX XXXX, long after we asked for our files to be shredded.
Product: Money transfers

I sent money using Western Union to my stepson in XXXX. ( My tracking number ( XXXX ) is : XXXX Transaction Date : XXXX XXXX, 2015 XXXX ET ) The money was a direct transfer from my bank account to my stepsons bank at XXXX. 
After calling Western Union on XXXX the lied an told me that my bank will not release the funds for 5 days but in fact the money was Debited on XXXX and posted on XXXX/XXXXMy stepson is not able to get the money even after calling western union as instructed when I did the transfer. They told him that I needed to call western union before he could get the money. When I called thats when the lied about my bank holding the money for 5 days. This is clearly a kiting scheme by Western union to hold all money transfer funds so they can make more money using customers xash
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Wells Fargo Dealer Svc Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX loan first showed a 60-day late payment for XX/XX/2021, they then changed it to a 60-day late payment for XX/XX/2021 and now it shows as a closed account. I tried calling multiple times and they keep saying they can't help me with it even after i disputed it. Equifax is the only one showing these inaccuracies. XXXX nor XXXX show this.
Product: Debt collection

I have disputed this debt with another debt collections company and it was sold to a new company. This reporting on my credit report is violation of HIPPA and I never gave XXXX XXXX  my SSN or any of my personal information. They need to validate this debt and show me where I signed an agreement. Per the FCRA and HIPPA this needs to be removed. 

The debt collectors has also contacted me and I am on the the Do No Call registry. This is a violation of the TCPA and I will be charging them {$1500.00} for the violation. They can apply this amount to the debt and issue out any remaining balance to me. If they choose not to award me any funds I will file suit in court.
Product: Debt collection

My ex wife and I purchased a car with XXXXXXXX XXXX XXXX, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in XXXX, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX XXXX and then TO XXXX XXXX XXXX . I have tried to contact this law firm and XXXX XXXX XXXX and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD SERVICE - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, i submitted a request for mortgage assistance to LoanCare and was advised it was under review. In XXXX XXXX I called and spoke to an agent, XXXX at XXXX and she told me that i was approved for a six month forbearance plan and to not make a XXXX payment and my new payment of XXXX would start in XXXX, XXXX. My loan was current at the time of the call. I paid XXXX on XX/XX/XXXX for my XX/XX/XXXX payment. She said no to make a XXXX payment and in XXXX XXXX i made my new payment and submitted a payment of XXXX. She advised while i was in the forbearance plan there would be no negative credit reporting or late fees. Due to the Covid outbreak the forbearance was extended and on XXXX XXXX I spoke to XXXX at XXXX and she said the forbearance was converted into a Covid forbearance and again assured me there would not be any negative credit reporting. In XX/XX/XXXX i began bringing my account current and by XXXX it was current and on XXXX XXXX I requested the forbearance be cancelled and received and email on XX/XX/XXXX that it was cancelled. On XX/XX/XXXX i pulled my credit report and it shows 11 late payments during that time. I submitted a dispute via the credit reporting agencies and also thru Loancare website. I recd a notification form Loancare stating it was recd. but no resolution. The credit agencies said the sent a dispute and Loancare said the report is correct. Today, XX/XX/XXXX, a spoke to an agent XXXX at XXXX, who said the reporting is correct because i was 30 days past due in XX/XX/XXXX. That is not true, their agent told me not to pay in XXXX. This had ruined my credit and now loancare refuses to repair my credit. These mortgage servicing companies are adding additional stress to homeowners during this stressful times and ruining their credit. I kept notes of everything told to me and now they will not honor the agreement and remove the negative reporting.They also still have me in a forbearance plan even with the email from XX/XX/XXXX advising me that it was cancelled. I am requesting help with repairing my credit and removing the forbearance plan XX/XX/XXXX. Also I repaid the money and my account has been paid in advance for months and they keep sending my documents to complete for a loan modification.These are very deceptive practices. I repaid all monies because they never presented the option of a deferral to me.
Product: Credit card or prepaid card

I believe you reported inaccurate information about my account to XXXX and XXXX Reporting Agencies. I am asking for you to correct the inaccuracy of a late payment on my account. 

This is due to the U.C.C. 240.10b-10 ( a ) Disclosure requirement. It shall be unlawful for any broker or dealer to effect for or with an account of a customer any transaction in, or to induce the purchase or sale by such customer of, any security ( other than U.S. Savings Bonds or municipal securities ) unless such broker or dealer, at or before completion of such transaction, gives or sends to such customer written notification disclosing : ( 1 ) The date and time of the transaction ( or the fact that the time of the transaction will be furnished upon written request to such customer ) and the identity, price, and number of shares or units ( or principal amount ) of such security purchased or sold by such customer In the Attached documents I only Receive the billing statement after receipt of a Late Payment Statement. 

This Can not and will not stand as the bank was requesting funds after taking legal action without providing me a chance to have made the payment. 
Thus, there is Not Form of Offer, Acceptance, Or Consideration taking place. Instead, your bank is not upholding its responsibility to present the payment contract to receive payment. 
This is a much bigger problem because payments can not go to collections without attempting to reach me to receive payment. 

The Only reason I Initially used the card was, to accept the option to the card to stay open and maintain my relationship with HSBC. Now I am experiencing greater detriment as a result. This is also reflected in the correspondence. 

This was for an initial purchase of a Low {$36.00} purchase, by which has since been paid in full.