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

I have called Equifax, at least 5 times trying to get this resolved. I have spoken with supervisors and reps and nobody seems to be able to help. I have sent this report, at best, 7 times to them and they refuse to acknowledge the paperwork that was sent to them even though I have return receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

For the past 3 years I have been trying to apply for a loan modification. The company refuses to give updates when you call. They make you schedule appointments ( run arounds evasive ). The website clearly shows the documents are uploaded and the a gens confirm receipt of the documents but then they say I am still missing information. In the past 3 years that is the only answer from them is something is missing and I need to send pay stubs again. every month that goes by I send more pay stubs and then they say a letter is being sent in the mail but all it is, is the modification application again.
Product: Vehicle loan or lease

The below complaint marked as duplicate when it is in fact not, it was not submitted prior, Should this complaint be marked as duplicate to avoid address, I request CFPB look into this behavior by BMWF. Please see complaint below.. 

The last ACH payment made on my BMWF account was returned for reason ( s ) unknown to me, item does not show presented to my bank, XXXX. There appears to be an error with routing and or account number, I do not have an exact answer for return at this time. The account is now past due for months of XXXX and XXXX, total amount of {$1800.00} I believe. I sent a secure message via BMWF site today, XX/XX/XXXX, advising I scheduled an electronic bill pay in the amount of {$900.00} on XX/XX/XXXX. I plan on making an additional payment the following week on XXXX, the amount of {$400.00}. At this time I wish to clarify if account is still eligible to make ACH payments, due to this last return.. Further, I wish to advise of my payment intentions detailed above
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX Santander again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with Santander, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, Equifax, XXXX  for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit card or prepaid card

I applied for Discover and was approved. Used card once on XX/XX/2019 at XXXX XXXX at XXXX   XXXX XXXX in the amount of {$24.00}. 
I logged in and changed my card design to Rainbow design which i originally requested but Discover sent me a blue card and i added my spouse as an additional/authorized user. Tried to log in online but website said i need to verify suspicious activity and click to verify. I clicked and screen said i need to call fraud department. Called and verified all information. Lady said everything was fine. Tried to log into account and was given the same statement, need to verify suspicious activity. Card was blocked by Discover and still is. I have set up a bill pay in the amount of my purchase at XXXX, {$24.00} from our joint checking account ( my spouse and i have a joint checking account with XXXX XXXX Bank ). 
It is absurd for Discover to block my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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: Student loan

I am legally XXXX. They knew my condition when I went there, they told me I can find a job, make enough money $ XXXX or more per hour. and they help to find a job.they promise to me I 'll be a XXXX after graduate but the reality is to be a XXXX people need many years and the salary in normal XXXX is {$9.00} per hour. 
They only want me to take a student loans and they help to file forms. They accepted me also without a high school diploma I do n't have. I never graduated. 
I an receiving SSi from the goverment and food stamps, I don ' t have money to pay. 
For the Federal loan I amapllyg for a forgivness. 
All the tests I presented during the classes were excellent even I knew all the answers were wrongI have been victim of a fraud XXXX. 
They lied, any XXXX in Usa can hire me because I am blogging nd for safety policies, and insurances companies do n't allows put people on risk. 
The XXXX did n't give any of the contracts with them neither loan papers, neither svholl books or any material if the classes in audio or big print fir ne to read. They accept me only to get a comission for a student enroled. 
I have my XXXX certificates U am legally XXXX, and I went to thevinterview XXXX with a friend. 
I am receiving Ssi help from the goverment and food stamos, i can ' t get a job and tcosigner ca n't affiraffirdto pay the loan. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I recently conducted a thorough review of my credit report and uncovered alarming violations of my federally protected consumer rights, particularly under the Fair Credit Reporting Act ( FCRA ). 

Upon closer examination of the specific accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, It has become evident that the following federal laws have been violated : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy - My right to privacy, as guaranteed by 15 U.S.C 1681 Section 602 A, has been compromised.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement - The account has been reported without my explicit written instructions, a direct breach of 15 U.S.C 1681 Section 604 A Section 2.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Seven-Year Reporting Limitation - The inclusion of adverse information exceeding the seven-year reporting period, as outlined in 15 U.S.C 1681c. ( a ) ( 5 ) Section, is affecting my credit report.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - The information provided to consumer reporting agencies is inaccurate, violating 15 U.S.C. 1681s-2 ( A ) ( 1 ).

5. Identity Theft and Assumption Deterrence Act Violation : - If there's any potential unauthorized transfer or use of my identification linked to identity theft, it may constitute a violation of the Identity Theft and Assumption Deterrence Act.

6. Consumer Financial Protection Act Violation : - The account 's transgressions may also fall under the Consumer Financial Protection Act ( CFPA ), particularly in terms of potentially unfair, deceptive, or abusive acts related to consumer financial products or services.

These inaccuracies and violations are not only a breach of my rights but are also significantly hindering my ability to secure credit for essential needs such as a new house, car, and other necessities for my family. I strongly advise taking immediate action to address these violations and protect my rights. As per federal law, I have the right to dispute and request the removal of inaccurate information, as well as report any potential identity theft incidents. Safeguarding my consumer rights is my top priority, and I appreciate your prompt attention to this matter.

Respectfully,
Product: Credit card

I have been misinformed by BofA on the interest charge. Here is what happened : On XX/XX/year>, I received my billing statement and paid the entire balance off by the payment due date of XX/XX/year>. In addition, I was informed by two customer service associates from BofA, as long as I made the payments by the due date when the 0.00 % APR ends on XX/XX/year>, I will not have to pay the interest. 
On XX/XX/year>, I received my billing statement without making any purchases from the same credit card, but it appeared {$140.00} interest charge on the statement. 
I have contacted BofA twice : First attempt occurred last XXXX  XX/XX/year> to request for a refund my interest charge, and I received a letter by email it was declined last Wednesday XX/XX/year>. I made another attempt to BofA and managed to talk to a supervisor on XX/XX/year> and was told that the company 's system only allowed them to try twice. If the second time was declined, there was nothing they could do further because of the system. The first associate, who I contacted on XX/XX/year> submitted the refund for unknow reasons twice on XX/XX/year>. 

What happened to me on this incident from the bank of America seems to be extremely misleading, immortal, and illegal. I have been working in the financial industry for over a decade and have been using credit cards for over a decade. Every month, I get a statement, and I pay the entire balance off by the due date, I do not get charged for the next billing cycle. Right? But that did not happen this time. I was told verbally by two associates from BofA ( calls should be recorded in their record ) I would not pay any interest as long as I made the payment by the due date XX/XX/year>, but in reality, it did not happen. In addition, the statement did not have any interest fee on my XX/XX/year> bill statement. When I called the bank on XX/XX/year> after the fact when the interest fee happened, they started telling me the interest charge would start on the date when the promotion interest of 0.00 % expired on XX/XX/year>, not the payment due date of XX/XX/year>. It is contradictory. First, my billing statement on XX/XX/year> did not indicate any interest fee. This is extremely misleading to the customers and should be illegal to do from this XXXX  financial institution who received trillions of dollars money from the government. 

I am reaching out to get the corresponding department, who is out there to look out for consumers ' interest, do something about these misleading behaviors from these XXXX XXXX  financial institutions. I am respectfully asking Consumer financial protection bureau to investigate this matter to help consumers not to get misled by the banks on the credit card 's 0.00 % promotion rate and when the payment due date is for 0.00 % promotion rate expires in the future. It was vague and I was told by two associates from the bank the wrong information. As a consequence, I am being penalized for this. I found this to be extremely upsetting and unlawful and felt I was being taken advantage of by the big financial institute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau 's actions and assertions that the disputed items have been validated frustrate me, especially because they haven't offered me any proof of their claims. My patience has run out, therefore I'm filing this CFPB complaint as my final attempt to handle these issues without consulting an attorney. A sizable amount of illegal accounts as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly delete these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is the list of accounts that should have been removed from my credit File and yet the Credit Bureaus have continued reporting : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Checking or savings account

On XX/XX/XXXX I called td bank and told them I noticed charges that I didnt authorized they told me they would dispute and investigate and that I should have a temporary credit in 5 business days never received the credit no one reached out to me with updates or information and I lost over {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE
Product: Credit reporting

CFPB submitted Dispute # XXXX on my behalf, XXXX XXXX, 2016. 
The Dispute needed to be addressed by XX/XX/2016 to meet the FCRA dispute timeline requirements. 
It is now XXXX 2016. 
This is the SECOND instance of Experian failing to respond to Dispute Investigations, submitted by CFPB on my behalf, in a timely manner. 
The FCRA requires the accounts being disputed, to be deleted, if an investigation is not responded to in a timely manner.
Product: Mortgage

Saturday XX/XX/2021 l contacted amerisave mortgage to check on a refi. All was approved and I was told my monthly payment would be XXXX and the payoff will be XXXX on this refi. This was after I provided all information needed and I allowed the rep ( XXXX XXXX ) Loan Originator NMLS ID # XXXX to pull my credit for finalizing the deal. After the credit was pulled the rep verified a few more details concerning employment and the stated well the payment will now be XXXX and the payoff is now XXXX and we need some assets!!! I said whoaaaa, what are you talking about? I have no assets. I have a truck paid for. He than asked what's it value and I stated XXXX XXXX maybe. I asked what is all this about assets all of a sudden? He literally couldn't explain and rushed me off the phone stating let me get the terms of the agreement to you so you can see for yourself ( which he has yet to do ). I asked him if he's made a mistake to just admit it and he said again let me get you the terms of the deal so you can see them. I agreed and it looks like either a bait and switch took place or this rep don't know what he was doing or saying. I wand an explanation ASAP as he ran a hard credit pull by flat out lying to me and then changing quoted amounts to highly inflated amounts with no explanation and I have yet to hear back from him or see any terms on that refi.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit card

hello this is a continuing problem we had with this bank and this company we field complain after complain about them and nothing is being done we had problem with the items we purchased from pep boys there way of fixing was we owe XXXX out of which XXXX are late fees we iformed them of our situation and where promised that late fees will be taken off the still reported us late to credit agency
Product: Debt collection

This company is saying they bought a debt saying I owe an old apartment for carpet fees when I moved out never got notice from original creditor saying I owe too they are saying they are charging me interest on so every month on my credit report they are changing the amount owed I requested documentation they told me they would take it back to the original creditor and never heard anything else giving me proof of original debt owed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed XXXX credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : American Express XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported in my XXXX credit Bureaus credit file. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXDate of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of the below. Please remove all my credit immediately. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this company XXXX XXXXXXXX XXXX unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!
Product: Debt collection

I received a surprise bill from a hospital from last year. I have health insurance thru the state of Michigan and behavioral health benefits thru the state. I was in the hospital and then received a huge bill out of no -where. They did not inform me while i was there that the provider was out of network or not covered. This constitutes " surprise billing ' and is illegal in Michigan. They have to notify you if its not covered. Now they are sending it to a collection company called HRRG.I have submitted the bill and a complaint to the Michigan department of health and human services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$5200.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.