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

In XXXX of XXXX, by means of U.S. mail, I requested a security freeze with Equifax on my credit report. Equifax confirmed my request for credit freeze via a letter on XX/XX/XXXX and XX/XX/XXXX. In the XX/XX/XXXX letter from Equifax I was provided instructions and a personal PIN for use to " un-freeze '' my credit report with Equifax. 
On XX/XX/XXXX I attempted to " un-freeze '' my Equifax credit report for a 24 period via a telephone conversation with and Equifax Customer Service representative. During this phone call I was advised that the personal PIN process is no longer in effect, and I should create and utilize a " My Equifax '' online account. 
Despite repeated attempts and numerous phone calls with Equifax Customer Service representatives, I have not been able to successfully access " My Equifax '' online account. Additionally, when I contact Equifax Customer Service via the telephone I am repeatedly disconnected. I would estimate that I have made at least six phone calls to Equifax Customer Service on XX/XX/XXXX and XX/XX/XXXX being disconnected each time. Additionally, I have spent at least four hours on the phone either speaking to Equifax Customer Service representatives or being placed on hold before the phone becomes disconnected during these two days.

On my last call I was informed that both the 1 ) technical issue with my inability to access " My Equifax '' account online, and 2 ) being consistently disconnected when I call Equifax 's Customer Service phone number ( XXXX ) are " technical issues '' being experienced by Equifax. 
It should be noted that I am proficient with online applications and have no problem at all accessing my XXXX and XXXX online accounts. 
My compliant can be summarized in two issues : 1 ) If Equifax desires that I manage my credit report online via " My Equifax '' then Equifax should be able to provide me access to my online account or resolve any technical issues in a timely manner, and 2 ) When I and others are being directed by Equifax online to call their Customer Service Number, then Equifax should ensure that the calls can be properly administered without being continually " cut off ''. 
Managing one 's credit is extremely important and something I take very seriously. Based on my experience Equifax is significantly jeopardizing my ability to effectively manage my credit by its inability to allow me to access " My Equifax '' account and not providing effective telephonic ability to communicate with Equifax. 
Thank you for your attention to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes. 
After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written consent.
Product: Checking or savings account

On XX/XX/2019 there was fraud a with my account at TD Bank. They allowed someone to wire transfer over {$900.00} from my account. I notice it the same day and was told by the by the banks fraud department they could not stop the transfer. Afterword I was told that the only way I could get my money back was to make a police report which I did but TD Bank still did not refund my money. I have never made a wire transfer in the past with any of my accounts.
Product: Debt collection

I am getting threatening calls for medical debts with XXXX XXXX and XXXX other medical collectors, they have wrong insurance information, I gave them correct insurance now they are rebilling Medicare as I do n't have Medicaid. All this is error on their part. I have never received a bill on medical ever as Medicare pays 100 %. Hassling and threatening calls stating I be taking to court ... harassment.
Product: Credit reporting or other personal consumer reports

I recently did an investigation of my credit report and found several items on there to be inaccurate. Under code U.S. 15 e ( b ) Accuracy of report 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. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 consumer 's file 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.

Please remove the following from my credit report immediately. I am not liable for these debits with the companies listed below. They did not provide me with the original contract as I requested. 

XXXX XXXX XXXX {$580.00} account XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} account XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} account XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX {$900.00} account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} account XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$820.00} account XXXX  XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not do business with these companies. Please remove everything, including these other accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX FUNDING Date : XX/XX/2020.
Product: Checking or savings account

I deposited a {$2200.00} check to my checking account through the ATM of XXXX XXXX XXXX on XX/XX/XXXX. However, the fund availability delay was changed from XX/XX/XXXX to XX/XX/XXXX a week later. In the communications received from BB & T ( now Truist ), the Hold Type was Reasonable Cause to Doubt Collectability, and Description was Account Ownership Issue. 

Over the past few months, I have called several times and stopped by the branch- I believe I have proved the validity/collectability of the check deposited, with evidence from all parties involved. I have asked a representative from the payee company to call back as indicated. In addition, Im the owner of the business who was sending the check. Furthermore, the issuer of the check has confirmed the validity and suggests the bank to make the fund available instead of voiding the check, as it had already been deposited. Therefore, I believe the " Hold Type '' of " Reasonable Cause to Doubt Collectability '' and " Description '' with " Account Ownership Issue '' was no longer true. 

There is not ANY legal foundation in the Bank Services Agreement ( BSA ) or federal regulations suggesting that BB & T ( now Truist ) can hold the fund availability for XXXX years until XXXX. If there was genuine concern on the check, it should have been rejected in the first place, rather than accepting and withholding the availability, so that I can ask a new check to be resent. 

The fund has already been transferred successfully to BB & T ( now Truist ) and stayed there for XXXX months now, but I can not have access to the money. I have received neither reasonability nor sympathy from BB & T ( now Truist ), and have not even heard back from their Client Resolution Center since two weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX phone XXXX DOB # XX/XX/XXXX SSN # XXXX DL # XXXX. I have a car loan with Credit Acceptance XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX. I purchase my vehicle last year XX/XX/XXXX. I have made on-time payments since I opened my account. My account is now closed since I settled it for {$1000.00} on XX/XX/XXXX. My vehicle was totaled on XX/XX/XXXX and insurance made a lumpsum payment of {$10000.00} on XX/XX/XXXX to close out my loan. Before my accident, I made every monthly payment on time for $ XXXX/month until XX/XX/XXXX. After my insurance payment on XX/XX/XXXX, I still had a remaining balance with this creditor that I agree to settled the account in full of {$1000.00} paid on XX/XX/XXXX. I disputed my balance with XXXX  stating that the balance was inaccurate and also that this creditor has never reported my balance accurately since I opened the account. When I received my dispute results back from XXXX on XX/XX/XXXX Credit Acceptance had reported the balance still inaccurate and also reported my account as 60 days past due! I have never missed a payment and also have made all my payments on time. I contacted Credit Acceptance on XX/XX/XXXX to advised the inaccurate reporting and ask them to show me where I missed a payment and a supervisor name XXXX advised me she does not show a missed payment on my acct. She did email my information to the Credit dept team and asked me to wait for 1 week to get a callback. I accepted this loan because this company was supposed to help me rebuild my credit and instead all they have done is report my information inaccurately to affect my credit negatively. I don't understand how is that they can report false information and there's no penalty to the creditor but as for me as a consumer I will be affected negatively. This reporting of 60 days late has a huge negative impact on my credit. I agree to settle this account and close it out so I can get into another vehicle unfortunately that is not the case now since they have falsely reported a payment missed 60days late on my report that will cause me to not be able to get into another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Dear XXXX XXXX XXXX I am writing in response to a collection account reported by your agency, referenced under account XXXX, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), section 809. Please provide me with the following information : 1. **Proof of Debt**. Documentation showing that I am legally obligated to pay this debt, including the original creditor 's name, account number, and the amount owed. 2. **Verification of Your Authority : **Proof that your agency has the legal right to collect this debt on behalf of the original creditor. 3. **Detailed Account Information : ** A complete history of the debt, including any payments made and interest or fees added. If you are unable to provide the requested validation within 30 days of receiving this letter, please remove this collection account from my credit report and cease all collection activities related to this debt. Please respond to my request in writing at the address provided. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

XXXX XXXX wired me funds in XXXX due to flight cancellations. I have not received those funds. XXXX XXXX has insisted that they sent the funds to my Fifth Third bank account and that they have been credited, but Fifth Third told me they do not have the funds. I told Fifth Third I had reference numbers for the wires, but they told me they do not want the reference numbers because those are for XXXX XXXX to use, not for them. XXXX XXXX told me that the bank should be able to track the funds using those reference numbers.
Product: Mortgage

XXXX myself and my wife were discharged from Chapter XXXX bankruptcy. Continued to make voluntary payments to first mortgage holder ( Loan Number XXXX ) Nationstar Mortgage ( dba Mr.  Cooper ) until it became impossible to continue. XX/XX/XXXX applied for Deed In Lieu program with Mr. Cooper. Was accepted into program and on XX/XX/XXXX Mr. Cooper offered the second trust holder XXXX , XXXX ( Loan Number XXXX ) {$6000.00} to release the 2nd lien ( see attached ). 
Mr. Cooper did NOT follow up with XXXX, XXXX and allowed their XXXX program with me to expire. I contacted XXXX by phone twice and lo and behold on XX/XX/XXXX ( see attached ) XXXX accepted Mr. Cooper 's offer of {$6000.00} provided they received said {$6000.00} by XX/XX/XXXX. When I notified Mr. Cooper I find out that my DIL with them had expired. I got it re-instated and was told that they had everything they needed and were waiting for the final approval from their Underwriter which they expected shortly. Things dragged along with Mr. Cooper and I contacted them and was told not to worry that even if they got final approval from the Underwriter in early XXXX it was more than enough time for them to make the payoff to XXXX by XX/XX/XXXX. 
In the interim, unbeknownst to me, Mr. Cooper had referred my loan to their attorneys for foreclosure and the foreclosure sale date is to be XX/XX/XXXX. I was very upset but was told that as soon as they got the final approval and paid off XXXX they would tell their foreclosure attorney to withdraw the foreclosure and everything would work out fine. 
Well it didn't work out fine. Yesterday ( XX/XX/XXXX ) I get a call from Mr. Cooper telling me that since it took so long to get to this point ( which was all due to Mr. Cooper 's foot dragging and incompetence ) that their Investor had decided there was not sufficient time to get all the paperwork done prior to the XX/XX/XXXX foreclosure date and withdrew their commitment to purchase the loan. Now unless I get some quick help from the CFPB my former home is going to be foreclosed upon instead of a Deed In Lieu. This is totally unacceptable! I went above and beyond to live up to my end of the bargain while Mr. Cooper dropped the ball several times. I want you ( the CFPB ) to make them honor their commitment to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian via certified mail twice to dispute collections accounts on my credit report. The first letter was a follow suit letter considering the fact the two accounts in question was deleted from XXXX  and it is my understanding that collection agencies, furnishers, etc.. reports the same information across all three credit bureaus. I asked for documentation to be sent to me via mail if those accounts are accurate on their end but instead I am receiving correspondence via email when I never supplied Experian with an email as a way to communicate with me in regards to disputes I submit via mail. The second letter I sent via certified mail was a method of verification letter since Experian claims the accounts are accurate and yet again they sent correspondence via email but no proof of how these accounts are being verified as requested by mail. I also have proof of receipt of the certified letters and will be more than happy to provide them. Experian is also in violation of the Fair Credit Reporting Act. As a consumer, I have the right to ask for proof of verification on anything I dispute from my credit report that they say is accurate. This is also my second time filing a complaint since my first complaint stated that Experian did not recognize me as a customer per ID # XXXX.
Product: Checking or savings account

This complaint is to repoen or continue an investigation I filed under XXXX in XXXX of XXXX  with Bank of America-Small Business due to the closure of the account number, XXXX XXXX XXXX, while I was seeking an investigation of an unknown check in the amount of {$74.00} on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

These transactions resulted in an ending monthly balance of $ XXXX, which includes a monthly service fee of {$16.00}, a NSF  of {$35.00} ( XX/XX/2022 ), another NSF of {$35.00} ( XX/XX/2022 ) and additional charges of {$14.00}. 
( Please see XXXX XX/XX/2022 to XX/XX/2022, page XXXX ) XX/XX/2022, I was unaware of these transactions, so I used my debit card and made a purchase of {$3.00} and XXXX. Then ending of the balance for XX/XX/2022 was - {$130.00}. 
( Please see XX/XX/2022 Statement pages XXXX ) Due to COVID19 and its impacts it had on myself and my family I was traveling to and from GA, but on XX/XX/2022, I contacted BOA when I became aware of the negative amount and was instructed to complete forms that would be emailed to me. The forms were submitted on the same day, but I didnt see them until later. So, again, I contacted BOA and were sent the forms again on XX/XX/2022. Finally, on XX/XX/2022, the form was submitted and I was advised they would complete the investigation within ( XXXX ) buiness days. 
( Please see document numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX for reference ) After waiting 16 business days, I contacted BOA on XX/XX/2022 for an update and was advised there were no recepits of the request and to resend. At that time, I requested a manager. I explained to the manager that my account is in jeopardy of closure and I had sent this request on XX/XX/2022. He instructed me to resend the document and he would have the case escalated to avoid the account from being closed. All of these events took place during the call interaction. Afterwards, I called everyday to check on the status of the investigation only to be bounced from one department to the next. 
( Please reference document number : XXXX ) Finally, on XX/XX/2022, Bank of America completed a FORCED CLOSED ACCOUNT in the amount of {$130.00} without advising me of the results of the investigation or what steps I could take to assist them in resolving the issue. 
( Please see XX/XX/2022 Statement page:XXXX ) Due to no assistance from BOA, I filed the orginal complaint, XXXX. The response of BOA of America was to contact them at XXXX x XXXX. I did so and the contact information they provided was misleading because the number is a working number, but the extension they provided did not work. So, I contact BOA customer service and they stated they would contact a member on that team and I will get an email. So, on XX/XX/2022 I was contacted via email and confirmed I filed the complaint and provided my contact information. The agent NEVER called me or replied via email. 

( Please reference documents : XXXX for the orginal complaint and page XXXX for the email from BOA and my responses to the agent )
Product: Credit card or prepaid card

On XX/XX/2020 I paid {$420.00} to XXXX but never got the designs promised. I placed a dispute on the card. I raised a dispute on this charge as I never received the merchandise which was promised, in fact the merchandise I have received is of no use. I had to hire someone else and pay them {$1100.00} to do the job. I spoke with XXXX of Bank of the west who is taking care of my dispute. On Monday XX/XX/2020 she asked me to provide her with all the documents which I did, and later she promised that if the promised merchandise hasn't been provided by the merchant and if I have hired someone else and paid them {$1100.00} she will provide me a permanent credit. I spoke her today and she said she will take another 50 days to give me a credit, what is this nonsense. 

I have attached all the proof against XXXX, this company has betrayed me and hasn't provided the merchandize and you are still taking side of this company. 

I want the matter to be resolved here otherwise I will go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature. 
2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.
Product: Debt collection

Mailed a debt validation letter to company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Received a letter in the mail stating account was validated with no proof of copy of the written agreement that created my original requirement to pay, did not provide verification and documentation about why this is a debt that I must pay such as last billing statement or any documents with my signature. I sent a follow up letter to the company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Company failed to respond. Checking my XXXX credit report this company has added a collection to my report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 for the same account.