23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My card was used unauthorized and I filed a complaint. I got some money back yet they did not refund me everything as well as overdraft fees caused because of the fraud. It was over XXXX dollars owed plus fees and I only received XXXX in one credit and XXXX in another. Then they put a XXXX credit then 2 days later took XXXX dollars. XXXXm still owed XXXX in fraudulent transactions plus over XXXX in over draft fees that were not reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize elan financial to pull my credit report on XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXX XXXX, They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a T. I thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.
Product: Debt collection

XXXX XXXX have reported an account to the credit bureaus that does not belong to me this account was in direct result of identity theft they have been notified of this incident and I filed a police report with the local police department regarding the identity theft and this account!
Product: Debt collection

I have been paying online to XXXX XXXX XXXX XXXX for 2 years. My balance was {$890.00} it is now {$210.00}. My payment history shows I have established ongoing payments for over 2 years. 

I was turned over to collections. It was reported XX/XX/2018 It has negatively impacted my credit and it is very alarming to us who are struggling to make ends meet and want to pay our debt. Why would a company do this? 

They call constantly call me and I tell them I am paying and have been paying every month. 
I got to where I just hung up on them when they called. I can't pay anymore than what I am doing. Why can't they just leave me alone. The money they waste calling me is not smart. They can see if they do nothing they are going to get the balance paid in full.
Product: Debt collection

On XX/XX/2018 XXXX XXXX contacted my husband about an ATV loan. In the beginning of the call the 1st representative asked personal questions but refused to tell him the nature of the call. She wanted specific detailed info about our son who cosigned the loan. After getting frustrated with the woman my husband gave the phone to me. She finally said who she was calling for an why. She said the amount due given to them from Yamaha was over {$9000.00}. I explained that that couldnt be correct because we put a significant down payment on the atv and financed around {$10000.00}. They were showing only a few payments made when in fact we have paid over {$3500.00} this year to a different collection agency. They accused me of lying because I couldnt provide the exact details over the phone. She then put her supervisor on the phone and his name was XXXX. He explained to me that this was the correct amount and nothing I said to him made him willing to open a dispute. He refused to send us any documents they have showing the balance and payments and wanted me to provide proof right then and there that we had paid more on the account. He also threatened us with legal action if we didnt pay {$5000.00} today. We arent in a position to do that and offered to pay {$200.00} over the next few months until XXXX when we could pay the loan off. He refused to entertain that notion and instructed me that I could not call the orig ial creditor for this account anymore. He was verbally abusive and threatening and tried collecting an incorrect amount under duress. We have bank statements showing what we have paid and the account should be around {$6500.00}. They have called my sons hundreds of times and threatened him to be arrested if he didnt pay and they have called my husbands phone 100s of times while he is at work. No amount of telling them to stop will work and when you do they threaten you with arrest or legal action.
Product: Checking or savings account

When my account reached XXXX dollars I added funds to it however right after I deposited that they charged an overdraft fee if {$35.00}. Then I turn around and again they do the same. Contacted customer support about this but they were so rude and dismissive. They muted the call, spoke over me and refused to answer any concerns. They are such a bad institution that does a big disservice to people and they are fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX XXXX  {$660.00} charge off account XXXX XXXX {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred
Product: Debt collection

This company is on my credit report for an unpaid amount over {$1000.00}. This was previously disputed with the credit bureau and the original company. Several times over the last couple of years I asked for validation of this account and was unable to be provided this information. I do not have a contract with IC SYSTEMS  INC  or the other company and by SC State law (  SCCLA 15-3-530 ) the statue  of limitation for debt collection is   XXXX    years from the  XXXX  date of delinquency. The first date according to IC  Systems  is   XXXX   I did not have services with company. This company is in violation of my state law. Please remove from my credit report.
Product: Credit reporting

Inquires were removed and re added without notice or reasoning 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: Vehicle loan or lease

Citizens One bank continual problems and they delegate the blame and responsibilities to persons replying with NON relevant information and misleading information their inability to explain their own actions or inactions ... NOW I made a liump principle payment YESTERDAY via Electronic bank transfer.. their website took the payment and gave this reference number s-XXXX. today a full day later I checked my account just now and it shows NO payment at all from yesterday.. this bank is NOT crediting payments properly or timely more proof how they ripp off extra interest.. as of this writing my account shows no payment yesterday and it was electronic should have been immediate but this bank drags its feet when it decides to credit payments so they can collect extra interest for extra days THATS FRAUD and EXTORTION ... as said before this bank misleads clients as well the garbage they sent me had nothing to do with my actual payments and indicated I was paying more interest than I should be and now I have more proof because they arent even crediting immediate payments on the same day even.. they are bilking the public and you know a few dollars to millions of people adds up every month doesnt it ... ask this bank. My account I checked today doesnt even show yesterdays payment anywhere on my account page so answer me this how did they generate that confirmation number?? and never bothered to credit the account when the payment was actually made???? I think they continue to do this for extra interest monies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received a bill from a leased car I turned into XXXX XXXX. They have no reported data since XXXX. I turned this car in and the balance was paid. I disputed the report through Experian and they put a current status on my credit Report showing " XXXX '' without my knowledge or contacting me. Report Number XXXX Date Generated XX/XX/XXXX On the response to the Dispute it shows " Paid, Closed '' on XX/XX/XXXX. 
I would like XXXX XXXX to give me details on what they are billing me for back to XXXX when they reported it was " Paid, Closed ''. Why have they not sent me a bill in the past? I would like this removed from my credit report due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

My credit score was XXXX. I got a new card from my bank with a higher credit limit. they dropped my score XXXX XXXX. this card was obtained a year and one half after an inquire by my bank to raise credit limit on another card that i shared with my daughter who was added to the account. I have never paid late in the seven years i have credit accounts. my debt to income ratio is 2 %. my credit usage in never above 3 %. But yet I was penalized. 

I tried to get my account froze but they wanted me to buy an upgraded account to do that. that was XXXX a month. Is Experian a credit reporting agency? Or are they a for profit business that wants to make money of of consumers. they sent an e-mail today that I could get one of the cards they represent with no points taken off my score. is any of this legal?
Product: Money transfer, virtual currency, or money service

Coming on the heels of my several complaints against M & T Bank with your agency, I have just been informed that M & T Bank, in addition to stealing the {$20000.00} that I currently have pending complaints with your office so that they can " return it sometime in XX/XX/XXXX, '' has also dishonestly turned off the notification for any and all credit charge backs through their M & T Bank Merchant Services company, so that I can never even find out if a new credit card charge back has been lodged since they abruptly closed my account in XX/XX/XXXX. 

This they are doing precisely because I have won 100 % of all of my credit card charge backs against dishonest thieving former law firm clients, because we always keep signed retainer agreement contracts, detailed billing invoices, copies of hard legal work in well organized electronic and manila files, and other evidence which militates against losing any credit card chargeback. 

But M & T Bank, in their continued fit of bad faith, vengeance and retaliation for my having filed complaints against them with your agency, cut off our notifications through businesstrack.com and/or swipesimple.com, and now we have no idea if any credit card charge backs have come through since they shut us down in XX/XX/XXXX, and we can not even respond to them. 

This leads me to believe that if, and when, the date comes for M & T Bank to refund our stolen {$20000.00}, that not only will there be nothing left, but in fact, we may wind up owing M & T Bank if they paid anything out to these deadbeat thieving lying former clients who may have done a charge back ( because there was never any response from us ). 

Please, as always, urgently investigate this incredibly dishonest bank and its contact XXXX XXXX, XXXX XXXX XXXX XXXX XXXX M & T Bank, and advise.
Product: Debt collection

XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.
Product: Credit reporting

Equifax has me living at XXXX different XXXX, PA address. I have NEVER lived in XXXX, PA. So whatever collection is associated with this address should be taken off. 
Equifax XXXX reported an account from XXXX thru XXXX XXXX dated XXXX XXXX, XXXX in the amount of XXXX. I have n't had a XXXX account since XXXX. 
XXXX reported XXXX Insurance dated XXXX XXXX, XXXX in the amount of XXXX. I dropped XXXX Insurance in the year XXXX. In fact last year I received a XXXX refund thruPA Unclaimed Property. The XXXX XXXX XXXX XXXX for XXXX was paid this week. 
I tried calling Equilfax but was unable to connect because I did n't have a equilfax report number.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report0000 included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

5 Clients with possible information Breach Inbox XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX  ( 16 hours ago ) to XXXX : me Dear XXXX family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and 4 additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud. 

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : Equifax XXXX XXXX XXXX XXXX XXXX. You only need to place one fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In response to my complaint XXXX You responded XXXX XXXX the Federal Stafford Loan that was disbursed in XX/XX/1997 for XXXX XXXX XXXX XXXX and there is no record of payment for this loan paid in full. In response to your reply : Do you XXXX have ( 1 ) proof of a signed documents, ( 2 ) copy contract or invoice XXXX XXXX XXXX for XX/XX/1997 with actual signature? ( 3 ) If you " XXXX '' can not prove with more detail information besides of loan disbursed with amount now owed {$1600.00} and date provided XX/XX/1997 from the original creditor. I never gave consent as a consumer to XXXX reporting anything As stated below in Accordance with Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681 Account 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 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 seven 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.
Product: Mortgage

We have had continued issues with XXXX LoanCare , LLC paying the correct property and school tax from our escrow account. There are sufficient funds in our escrow account, but according to past phone calls, most recent of which was XXXX XXXX, they have been paying the wrong amount and wrong parcel number. It took us 1.5 years and a complaint here with CFPB to get them to pay our XXXX property/school tax. They accrued a couple XXXX dollars of extra fees by paying it excessively late. Now we are having issues with our XXXX property/school tax. Our most recent correspondence was received from our local Tax Claim Bureau that our property/school tax has again not been paid in full on time. The certified letter is dated XX/XX/XXXX and states : " If you fail to pay this tax claim or fail to take legal action to challenge this tax claim, your property will be sold without your consent as payment for these taxes. '' I forwarded this letter through their preferred online form/messaging center and like last time, did not receive any type of receipt of message or response back. Their online messaging system does NOT work at all! Previous form submissions included a letter from XX/XX/XXXX and letter from the school district XX/XX/XXXX. The tax bureau still shows {$2300.00} of delinquent taxes need to be paid for XXXX. This is not our fault but we could receive the ultimate penalty for their continued negligence to correct the addresses and account numbers on our property tax/escrow account! I sincerely hope this complaint will rectify this situation permanently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Transunion and XXXX has improper information. XXXX has removed this account from my credit report for inaccurate reporting. 


It states i owe nothing for this loan and yet it is still reporting as late??? not possible if i do not owe anything. 

it also shows Transunion states its closed while still adding late payments and XXXX shows transferred while still reporting. 

I OWE {$0.00} ITS REPORTING IM LATE WITH TRANSUNION AND THATS IM OKAY WITH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

residential number ( XXXX ) XXXX in incorrect, also I do do n't SSI as my former or current employers never did.
Product: Debt collection

I received a copy of my credit report and found the following to be errors. Here as follows are items in error : XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Experian consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. Here is the account I want removed. 
XXXX XXXX XXXX Opened XX/XX/XXXX {$26000.00}
Product: Student loan

My loans are in repayment. In XXXX 2016, I submitted a check for {$5000.00} to Navient to pay down the principle of my loan. I used the address on their website. The check was cashed, but never posted to my account. When I called, I was told that the check went to the XXXX XXXX XXXX XXXX and they were a separate department. I was then told that I would have to wait. I called two more times over two months only to be summarily dismissed. Finally, in XXXX, I spoke to someone very helpful in their XXXX XXXX XXXX XXXX section. She was very apologetic and informed that a request for a refund was never made, despite me turning all of the required documentation. She told me that the check should arrive in approximately 2 weeks. 4 weeks later, I am on hold with Navient again. Apparently, the check may or may not have been issued to me. Certainly, I will also receive interest from the months they have wrongfully held onto my money??