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

I am experiencing ongoing harassment with Equifax Credit Agency. This Agency is highly unprofessional and really sucks! I contacted Equifax at XXXX on XXXX  from XXXX XXXX to XXXX XXXX. I completed a through identity verification with Equifax Customer Support rep name XXXX XXXX or XXXX. The represented refused to update my address. The representative falsely accused me of not submitting a previous dispute on XX/XX/year>. I am very upset. I uploaded my recent pay stub and current XXXX XXXXXXXX document that proves and displays my current resident address. 

EQUIFAX XXXX  The agency does not follow Federal Regulations outlined for consumers. I'm really XXXX right now! I am not going to continue to repeat myself. Also, I have never placed a XXXX XXXX on any of my XXXX Profiles. This is a lawsuit.
Product: Money transfer, virtual currency, or money service

My bank account was hacked through PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several charges through XXXX. When I complained the charges were removed. However, PayPal took money out of my account to match the fraudulent charges. This was done without notification or permission. When I called to see why no satisfactory info was given.
Product: Mortgage

On XX/XX/year>, I proceeded to apply for a mortgage loan with Bank of America, and signed a third-party financing addendum on XX/XX/year>, in which gave me XXXX  days to secure a mortgage loan. Throughout the course of the process, we had problems on obtaining approval due to my job as a XXXX XXXX and the conflicting requirements of their institution which, as I was told that it would appear as though I had multiple and inconsistency in jobs, of which is actually the nature of my job. I kept providing letters of explanation, financial proof, contracts, and even XXXX and tax statements that dated back XXXX years ( when their requirements are usually only XXXX years ). On XX/XX/XXXX, I now find that my loan was declined, however, I was not told of this, instead I was told it was " Pending Decline '', I was actually told that my loan was declined on XX/XX/XXXX, in which I was XXXX days past my requirement for obtaining third party financing, and thus was subject to losing the Option period money of {$300.00} and XXXX money of {$3000.00}. The loan originator simply kept reassuring me at every step of the way that she was not convinced, and she did not agree with the underwriter decision. She assured me the loan would be approved, multiple times. She kept escalating the application, and many times I had to keep providing additional information, and the process kept extending. On XX/XX/XXXX, I received a phone call again, stating that the application had been denied, but she told me she still did not agree with the decision, and told me she would, again, speak with her manager as she assured me the mortgage loan would still be approved. It was at this time, that I decided that too much time had passed. I was exhausted and had provided an abundance of personal and financial information beyond expected dates. The sellers were also concerned and exhausted as they were having to wait for me. Throughout this process, I felt that I was misled. The mortgage loan department at Bank of America acted unethically, with disregard to my time, disregard to my finances, and disregard to my contract obligations. They as well acted with disregard to the sellers ' requirements alike. Because I could not obtain financing, I lost the ability to fulfill the contract, and I ended up losing the option period money of {$300.00}, the XXXX money of {$3000.00}, and I had spent an additional {$550.00} for a house inspection. In total I lost {$3800.00} due to negligence in behalf of the loan originator and the mortgage team at Bank of America. Furthermore, I emailed and called the originator many times, unsuccessfully, as it appeared I was being ignored. I managed to obtain access to and communicate to her manager through other means which ultimately led to nothing. They did not seem to take accountability in the negligent, unethical process.
Product: Credit reporting or other personal consumer reports

The login/account I have for Experian has the name of another individual on the credit report. I think my profile merged with another customer, but after numerous attempts, they will not delete my login. 

I want the login deleted, so I can create a new profile and view my information and not the information of another customer.
Product: Credit card or prepaid card

In regards to an XXXX benefit requested for two accounts the maximum APR interest rate has not been credited to either accounts. Personal card has been open for 54 months Business account has been open for 34 months. Both accounts were approved for XXXX relief and moved to a 0 % interest rate however the balances which include over {$12000.00} in interest over the past 5 years combined was only credited ~ {$450.00}. American Express conducted two balance transfers to the new interest rate of 0 % in effect claiming that these balances are now new balances not subject to interest rate reimbursement, although they were compiled over the past 5 years prior to entering XXXX XXXX service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX marked me 30 days late for the month of XXXX. My payment is due on the XXXX of every month. My payment for XXXX was made on XXXX XXXX, 2023, that's 19 days before the due date. On top of that my payment was made thru an ACH deduction from my XXXXXXXX XXXX account by XXXX ( Document included ). on XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX called me at my job from a Texas phone number but has a Florida address. They said I have owed payment on a 2015 Ace Cash Express loan, which I never took out. They also had the last four digits of my social security number.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to

15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Patenaude & Felix, APC ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment. 
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the XXXX XXXX company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account. 

My husband ( XXXX years old ) with increased health problems ( XXXX XXXX XXXX XXXX ) does XXXX  so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years. 
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}. 
Since then, we are able to make our mortgage payments but not able to pay any other debts. 
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my XXXX credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I discovered the following accounts that were not initiated by me : A. XXXX. Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$2500.00} B. Account Name : XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX Account Name : XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$900.00} XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$93.00}
Product: Checking or savings account

I am a victim of fraud at Truist Bank. I discovered fraudulent activity after receiving a postcard in mail from Truist Bank indicating I had declined overdraft protection for a checking account opened online XX/XX/2022. I never opened an account with Truist Bank, nor heard of them before that time. I thought the postcard itself was a scam to get my information. Especially after I spoke to the representative on the phone. I was forced to communicate via a XXXX number with a representative of Truist Bank who DID NOT understand the English language and continually asked for MY account number and my social security number after explaining I was a victim of fraud, instead of transferring me to the Fraud Dept as son as I mentioned fraud. After numerous calls and wait times, I was finally transferred to a Truist Employee Department ( further example of incompetence ) who spoke English and transferred me to the Fraud Dept ( weeks later ). During this time, I received two bank statements with negative balances and a returned fraudulent IRS check. 
The rep from the Fraud Department told me I had three accounts opened in my name in XX/XX/2022. The first account remained open, while the other two were considered fraudulent and closed. No one contacted me about this fraudulent activity. I asked the representative if they had an intention of notifying me about the other two accounts and he replied, No. I asked him why Truist allows accounts to be opened online without any form of identification. He replied, we have ways of confirming the information without identification. I am sure Truist can confirm my information is correct, but they can not confirm the information is being legally used without me and my photo Identification. I have been with the XXXXXXXX XXXX for 45 years. They require two forms of picture identification cards to open an account.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact existsXXXX XXXX XXXX XXXX ( XXXX ) XXXX states that any payments during XXXX are required to be deferred or forgivenXXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I went to a car dealership last Saturday XX/XX/year>. 
I provided my personal information in order to see what my numbers would look like. I ended up declining the offer and I was advised that there was an option to do a credit card to put some on a credit card I declined that option as well so imagine my surprise when I received an email yesterday saying that my new card is on the way I did not agree to open up a credit card I did not sign anything to open up credit card this dealership is opening up credit cards for some type of incentive without the knowledge of the consumer when I call the dealership I was informed to just close it when I get the card even though I never agreed to the card being ran I was only advised of the one time my credit was being ran to finance a vehicle I never gave permission to run my credit for a credit card. They didn't advise me that this is their normal practice and we could just close the card out if I do not want it. This would impact the average account longevity and having negative impact on my credit score when I did not give anyone permission to sign me up for a credit card.

Location-
Product: Credit reporting or other personal consumer reports

Comenity Bank Dell and AAA gave me multi inquiry when i shouldnt have the XX/XX/year>
Product: Credit card or prepaid card

I bought a {$2000.00} XXXX  XXXX coupon in XX/XX/XXXX. On my first visit to the XXXX XXXX XXXX XXXX XXXX, I was charged to my Walmart/Synchrony Bank Mastercard the amount of {$1700.00}. The XXXX XXXX company was sent a claim for {$420.00} the same day. On XX/XX/XXXX a XXXX claim was sent in for {$1800.00}. I could never get anyone from the company to give me any clue as to why these types of charges were going through as they also charged me about {$620.00} to my XXXX XXXX account and never reported to insurance but after a couple months of complaining, they did reverse that charge. My {$2000.00} credit never seemed to get applied and in XX/XX/XXXX I was sent an email from a new employee that the doctor would not redo the start of the XXXX, as the XXXX XXXX that is XXXX into XXXX fell into my mouth at home a few days later so both the Office Manager and the Doctor said they would redo the XXXX for free. Later they decided to arbitrarily drop me as a patient, did not do any of the XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. He would only accept EMERGENCY care for the next 30 days. So, basically, I had paid {$1700.00} and received no valid services. I thought the ordeal was over but on XX/XX/XXXX a REBILL showed up on my Mastercard/SynchronyBank card for {$1700.00} again. This is an unauthorized and fraudulent transaction that Synchrony Bank has refused to remove. I have now been assigned a Special Agent for Law Enforcement for the State of North Carolina to investigate for Insurance Fraud and other criminal activities as well. Almost on a daily basis after escalating a Customer Service call four times to get to management that some of my information did not get uploaded properly the first time I disputed the XXXX charge, so I had to start over. Almost on a daily basis I sent further PROOF to Synchrony Bank. Their last letter to me from Synchrony Bank told me I had not shown 'proof of return '. I returned a fax to them that I had no idea what they meant. They also stated I could sent in additional information but gave no idea of what they needed. On almost a daily basis you can see from the secure messages, that I sent several letters a day with attachments of agreements, forms, proof of charges, proof of {$2000.00} credit XXXX coupon I had purchased. Told them the XXXX XXXX XXXX XXXX XXXX never sent me a statement, yet the agreement called for two statements a month. The Synchrony Bank manager I spoke with said that XXXX XXXX XXXX XXXX XXXX sent in over 15 pages of information to support their charges but I have been unable to get copies from the bank or the dental office. I did ask her to look at the proof and see if she noticed a notation that work could not be done unless authorized by me as they were attempting to get me to sign a one year plan of attack on my dental work for {$30000.00}. They said I had to sign the document to get any work done but I told them I could never spend that amount and I would notate on each page, which as fairly thick that authorization had to be obtained before continuing. She said she did now see that handwritten on the dental page.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters continues to violate the Fair Debt Reporting Act and the Fair Debt Collection Act. National Credit Adjusters willfully and willing re-aged this alleged debt knowingly violating the consumer laws for the FDRA and the FDCA. Re-aging a alleged debt is illegal.
Product: Mortgage

I have been trying for over 2 weeks to pay down my mortgage to eliminate Private Mortgage Insurance. I have made dozens of calls to the servicer, M & T Bank, with varying degrees of difficulty and different information given that contradicts not only the mortgage documents that I signed at closing, but also the Homeowners Protection Act of 1998 as amended. I have explained EACH TIME that I sold my previous home and have plenty of cash to pay down the mortgage below 80 % LTV. The latest I received from M & T Bank is that the home would have to appraise for almost 25 % MORE than I purchased the home for 2 months ago. That is insane! And it is not in accordance with my loan documents or the Homeowners Protection Act of 1998. M & T Bank will not allow me to talk to via telephone anyone from the Mortgage Insurance " Department '' and can't provide any specific names to contact via any other means. They sent a letter stating that I could call the phone number on the letter, but the letter does NOT have a phone number on it. They clearly appear to be using my PMI as part of their profit center and NOT to protect the investment in the actual loan. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I was late on my XX/XX/2021 payment when I personally spoke with XXXX XXXX and they told me I was only 6 days late in XXXX. And they sent me the statement to prove. Also I didnt authorize these inquiries on my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to file an complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report Equifax has refused to conduct proper investigations or correct the errors as mandated by law. 

The recent CFPB enforcement action ( CFPB orders to pay {$15.00} XXXX for improper XXXX XXXX XXXX XXXX XXXX. My experience aligns with the improper practices in this lawsuit, XXXX lack of diligence in investigating other disputes .This failure has caused harm to my credit report, impacting my ability to score credit. 

15 USC 1681e ( b ) : Failure to ensure accuracy of consumer reports 15 USC 1681s-2 : Neglect duty to prevent and correct inaccuracies.

15 UCS 1681l ( 5 ) : Failure to delete inaccurate or unverifiable information.

15 USC 1681c ( c ) : Continued reporting of outdated information.

This collection Account below has already been paid an should be deleted Account : XXXX XXXX Account # XXXX This collection Account below has reached its 7 year period and should be deleted Account : Global XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXXXXXX