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

Today I tried to retrieve my free annual credit report from Equifax via XXXX, the authorized site for this purpose under federal law. Equifax 's system refused to provide me access to my credit report after I had provided my identity information, as Equifax is required to do by law. Equifax, in fact, regularly prevents me from accessing my cfredit report in this fashion. Often when I try to obtain my free annual credit report from Equifax via XXXX, I have to send Equifax snail mail and/or file regulatory complaints to obtain my report, despite Equifax 's obligation under federal law to have a WORKING system on annualcreditreport.com. 

Equifax needs to fix their part of the XXXX web site. Equifax needs to provide me with the free copy of my credit report that I am entitled to. The CFPB must fine and sanction Equifax for Equifax 's pattern and practice of breaking the law.
Product: Credit reporting or other personal consumer reports

Transunion is reporting unknown unauthorized credit inquiries to my report.
Product: Mortgage

My mortgage is XXXX. On XX/XX/XXXX, I made my a full payment. Since then, I read in my XXXX magazine, if you make 2 half payments a month, it's like making an extra payment a year. So I made a XXXX payment on XX/XX/19 and a XXXX payment on XX/XX/19. Thereafter, XX/XX/19 and XX/XX/19, XX/XX/19 and XX/XX/19. Now I should be paid up through XXXX. I get my billing statement for XXXX and it says that XXXX is due on XX/XX/19. Ditech applied XXXX of the XX/XX/19 payment to XXXX to the principal and XXXX to escrow and held the XX/XX/19 payment in Funds in Suspense and the charged a late fee of XXXX on top of that. They denie that's what they did. Now I see another late fee applied to my XXXX payment after they received XXXX on XX/XX/19. Please correct this accounting nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

what are these remarks by XXXX on my CREDIT REPORT EXPERIAN : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by XXXX. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now XXXX is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. XXXX has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had XXXX is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!
Product: Credit card or prepaid card

Called on XX/XX/XXXX # 1 ) XXXX XXXX Customer Service XXXX to Dispute a charge of $ XXXXas Merchant XXXX XXXX went Out of Business. The same Day filed a Dispute with # 2 )  XXXX XXXX XXXX about Two Charges {$250.00} & {$79.00} & both has been Resolved & Credited to my Accounts as of today XX/XX/XXXX by XXXX. 
# 2 ) Synchrony Bank of XXXX XXXX has not Acknowledged or Recognized My Dispute of {$270.00} & this Bill has already been Paid on or before XX/XX/XXXX.
Product: Debt collection

I am writing to formally lodge a complaint against IC System, a debt collection agency, for multiple violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

IC System is reporting an account on my credit report regarding a debt they allege I owe. However, not only have I never been notified about this supposed debt they have never verified this was even mine before putting it on my reports. I have written out below what IC Systems has specifically violated : Violation of 1 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : IC System failed to provide me with the required notice informing me of my right to dispute the debt within 30 days of receiving their initial communication. This violates both the FDCPA and the FCRA, as outlined in the aforementioned regulations.

Violation of 12 CFR 1006.34 ( d ) : Despite my request for verification of the debt in accordance with my rights under the FDCPA, IC System has failed to provide adequate verification. This refusal to verify the debt further compounds their violation of consumer rights.

Violation of 15 USC 1681-S2 ( 7 ) ( A ) : IC System 's failure to comply with the FCRA, specifically regarding the accuracy and integrity of information furnished to consumer reporting agencies, constitutes a violation of this statute.

I am coming to the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate action against IC System. Additionally, I request assistance in resolving this matter and ensuring that IC System complies with all relevant consumer protection laws in the future.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX  on XX/XX/XXXX. I had payments linked to an account to be automatically removed from. I did not realize the account that was linked was a savings account and could not be accessed from when trying to make payments. This resulted in over 2 months of missed payments. When I finally realized the situation I contacted them several times to pay the account off. Finally on XX/XX/XXXX I made a full payment of {$310.00} to the account from a separate account. On XX/XX/XXXX, I closed the account with XXXX XXXX. The delay in payments caused my account to fall under delinquency. I made a dispute on XX/XX/XXXX to Experian and explained the situation. The dispute was supposedly resolved XX/XX/XXXX. However, the delinquency report was still showing on my credit report. I have two other credit bureaus that I check and they have separate reports than Experian. On those accounts, it shows the delinquency was resolved and removed from the report. Experian still claims the delinquency is still applied. Ive made several emails and phone calls to Experian to fix the situation. I called three times on XX/XX/XXXX and emailed them to get an answer as to why its still reporting the delinquency. I have not received any clear answer or resolution. This has caused a delay in applying for any apartment application or car application.
Product: Mortgage

Due to covid-19 I requested mortgage assistance back in XX/XX/XXXX, which Citizens One submitted me a loan modification application to apply for help, which I submitted a Mortgage Assistance Application and was confirm received as of XX/XX/XXXX. Was identified that it would take 30-45 days. In the mean time I was place on a Forbearance to avoid being late on my credit. I was following up with my mortgage company to make a least 1 mortgage payment and to inquire on the update on the modification packet. So I waited for months and each month I was identified that its under review, I was also identified to in XX/XX/XXXX that a deferment was an option, however, I identified that a deferment would not help because the reduction in my income. I shared multiple times that I need to be review for a modification and that again not for a deferment. However, Citizens One ends up offering me a deferment and said I was denied for a streamline modification because my account needed to be 90 days past due and that they did not review my file for a traditional modification, the packet they received in XX/XX/XXXX was never reviewed and if I need help with a loan modification I have to re-apply. Even though my original packet was never reviewed. The company appears to be using a " Bait and Switch '' tactic, because I asked for a loan modification review, submitted an application and they switched it for a deferment, this appears to be a tactic to stall and delay my account for me to go further past due in order for them to foreclose on my home and take it from me, I have been patient due to covid. Now the only way they are willing to help is by demanding another loan modification application, which is unnecessary since they never review me from the start with the original application.
Product: Mortgage

My fianc and I purchased our home at XXXX XXXX XXXX XXXX, XXXX XXXX, Texas, which we signed/closed in XXXX of XXXX. Since my fianc and I are not married, we co-own the home XX/XX/XXXX. On XX/XX/XXXX, we received a letter from the XXXX XXXX XXXX XXXX XXXX saying my fiance, XXXX XXXX XXXX, has not paid her portion of the property tax, totaling {$3500.00} owed. We have an escrow account that is managed by M & T Bank that shouldve been handling this. Immediately after, Ive been in contact with M & T about the issue but it has not gone anywhere as they keep giving me the runaround and have not settled the issue as of todays date of XX/XX/XXXX. Now I am receiving a potential lawsuit from XXXX XXXX as my property taxes have still yet to be paid for, with the new total owed being {$4200.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -Multiple FCRA Violations due to inaccurate information regarding account status, dates, payments and balance.
Product: Credit card or prepaid card

A Bank of America credit card was opened in my name on XX/XX/2022. I contacted Bank of America on XX/XX/2022 and reported this as Fraud. They shut the card off and closed the account. In order to have the credit card removed from my credit report I also needed to file this complaint.
Product: Debt collection

My sister in law was contacted by a person saying they were with XXXX XXXX XXXX and were going to file a lawsuit to collect a debt on behalf of U.S. Bank my wife called them back at the number they provided which was XXXX and said that she was wondering what it was about. they said that i owed over {$1000.00} which i do not. I do owe {$700.00} of which i have a {$76.00} a month payment arrangement with them for. She let me know what they said and i called them back and they were very rude with me telling me that i was lying to them and said that they would get my court papers mailed to me and start the lawsuit process. They got even angrier when i said that i had contacted U.S. Bank directly and said that it was a little convenient that i had a {$75.00} a month payment set up with them and called me a liar again.
Product: Mortgage

We received a permanent HAMP approval for our first mortgage on XXXX XXXX, XXXX. In accordance to HAMP 2MP, the bank/servicer has an obligation to review the borrower 's XXXX lien, offer a trial period on same, and or extinguish or reduce payments on it ( rate/principal/term waterfall ) in proportion to the HAMP granted first lien. 

Our XXXX mortgage lender, XXXX, is required to report the permanent modification using the HAMP Reporting Tool. Our XXXX mortgage lender GMAC, serviced by an XXXX Call Center in XXXX, keeps transferring me to Ocwen 's Collection Agency or XXXX . They finally advised me that the XXXX mortgage was " written off '' to their affiliated collection company, XXXX XXXX, back in XXXX of XXXX and there is a XXXX balance as it relates to Ocwen. I am cognizant that " write off '' is an accounting terminology and by no way removes the lien or debt. 

Back in XXXX of this year, XXXX XXXX sent us an offer to settle just after we had been verbally approved for our HAMP permanent modification in XXXX of XXXX but had not yet received the attached documents. 

I reviewed the mortgages and liens via our county 's Comptroller 's Office and Ocwen nor GMAC ever processed a lien on our property in addition to the original mortgage. 

Please note, both the XXXX and XXXX mortgage were DISCHARGED AND NOT REAFFIRMED in bankruptcy under Chapter XXXX back in XXXX. 

I have taken the initiative to fax the HAMP permanent modification approval to Ocwen and can not verify receipt of the fax as the loss mitigation department will not speak to me. 

We were advised that the HAMP has to be " matched '' and the Department of Treasury has to officially notify GMAC/XXXX. However, no one can verify nor deny that our HAMP approval on our XXXX mortgage was reported and reflected in the Lender Processing Services ' Applied Analytics Division ( LPS ) data base. 

Our HAMP permanent modification on our XXXX mortgage has " fallen through the cracks '' and no one can assist us as to the status of the tandem 2MP process. 

We seek your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX to an alleged fraud or extortion.
Product: Checking or savings account

On XX/XX/2022, AT XXXX, I became aware of, and immediately reported to Chase Bank XXXX a {$1800.00} unauthorized XXXX payment to a XXXX XXXX with the email address XXXX. 

I did not authorize the {$1800.00} XXXX payment to XXXX XXXX nor did I input XXXX XXXX into XXXX as a payment recipient. 

i have never furnished my Chase Bank account USERID or password to anyone and I have not been the victims of a scam in which their USERID or password has been compromised. 

On XX/XX/2022, I initiated a claim # XXXX with the Chase Bank claims Department. On XX/XX/2022, I called the Chase claims department and was told the claim for the return of the unauthorized {$1800.00} XXXX payment was denied because the claims department " XXXX '' found no flags or triggers indicating fraud. 

A review of the JPMorgan Chase & Co XXXX XXXX XXXX profile clearly shows that Chase Bank is aware of thousands of Chase Bank customers complaints about rampant fraud on the Chase Bank XXXX platform. Chase Bank routinely denies account holders request for refunds for unauthorized XXXX transactions and blames the account holders for being responsible for the fraud. Chase Bank appears to have made a business decision not to comply with the requirements of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) relating to unauthorized XXXX transactions.
Product: Credit card or prepaid card

This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from may a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$9000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. Wellsfargo in Union rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay.
Product: Checking or savings account

I have used an online company called Dave Inc ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) to do payday cash advances for several years. On XX/XX/2023, this company XXXX drafted my bank account 7 identical transactions of {$300.00} each for a total of {$2100.00} back-to-back all on the same day. Then they closed my Dave account. I noticed the pending transactions that night when i went to pay another bill and my account was wiped clean. I Immediately contacted my bank and placed a fraud alert on my account closing my debit card down and stopping Dave from drafting anymore funds. Because the transactions were still in a pending state there wasn't much my bank could do. I located a chat with the company Dave and submitted an email through their online chat system and monitored my bank account to see if maybe Dave made a mistake, and the pending transactions would be reversed. On XX/XX/2023, the pending transactions went through and the entire total of XXXX was drafted from my checking account. I then called my bank, and they were able to complete the fraud transactions. I then called the police department and filed a police report with them ( report # XXXX ) and the Police officer advised me to file with the FTC as well which transferred me here. I was able to locate a number for Dave on their website of XXXX. I will be calling them tomorrow to speak to someone about this incident. They should have every record of transactions taken from people 's accounts and get this fixed however, I can not leave all my eggs in one basket and also ask for your assistance as well.
Product: Credit card or prepaid card

Applied and was approved for a Bank of America Cash Rewards credit card early XXXX. 
Noticed today i was unable to login to my online banking account. 
I noticed this without receiving any prior notification from BoA. 
Had to call the Account Closures team to learn that my account had been shut down as a " business decision '' by Bank of America. 
I have XXXX dollars in cash rewards from using the card as a sign up bonus. This cash reward was also taken back by the bank.
Product: Debt collection

Collection Company sends me repeated mail and asking me to pay debt which was canceled by original creditor. This Debt was regards to move out disposition from one of the apartment I lived in past. Either of collection agency or original creditor ready to resolve the dispute ( s ) i raised against reported debt. Also there were many errors and false claims on the debt. 
Even after repeated request to collection agency, they could n't produce bills or any supporting document for their stand on this debt ( except the disposition letter sent by original collector ) .Recently the original creditor confirmed that they cancelled all my debt. But collection agency refused to stop contacting me for the debt which i do n't owe as of now, they are negotiating with me to pay some amount which is 40-50 % of debt without any reason. It was also reported to my credit report that impacts my standing negatively. 
I disputed on my credit report to credit bureaus, but none of them helps and I was told to agree with negotiation by one of credit bureau and have n't got any responses from other credit bureaus on this matter. My original creditor refused to send me any confirmation on the cancelation as there were management changes on their side. 
I was deeply disappointed with way this matter was handled by credit bureaus, collection agency and my original creditor. I need some help in this matter to get rid of repeated attempts from collection agency for debt which I do not owe and to get rid of any negative impact it creates on my credit report.
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 confidentiality under 15 USC 1681. 

XXXX XXXX # : XXXX and XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 crimes which antedates the report by more than XXXX 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case