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

Equifax continues to report the XXXX XXXX XXXX account ending in XXXX even though XXXX XXXX XXXX has sent a deletion letter requesting the fraudulent account be removed from my Equifax Profile dated XX/XX/2023. Additionally, Equifax received a FTC Affidavit on XX/XX/2023 disputing the XXXX XXXX XXXX account as Fraud as well. According to a representative from XXXX XXXX XXXX XXXX XXXX Operations Department as of Wednesday XX/XX/2023 this letter to remove the Fraudulent XXXX XXXX XXXX account ending in XXXX has been sent to Equifax 4 times. These people are some of the stupidest people alive, they don't speak English, and they lie to the customer. I have been told twice the account was removed when it wasn't. The XXXX XXXX XXXX Account ending in XXXX was Fraudulently Opened using an address that has been blocked and flagged as a Fraudulent Address by Equifax. So, the XXXX XXXX XXXX Account shouldn't even be reporting.
Product: Mortgage

I am trying to pay off my loan early and make automatic payments biweekly. I also want to pay more than the minimum payment. I have completed the required paperwork. ( They do not have this ability on their website. ) However, they have not updated my payment information. When I try to contact them via phone I get stuck in an endless deadend loop and am not able to talk to anyone. I did get a hold of someone once, and they said the issue was resolved. However, my payments still have not been updated. This is honestly the worst customer service and the worst internet interface of any mortgage company I have worked with. It's not the employees, but the processes are set up to indicate that they want to make it difficult to get help.
Product: Checking or savings account

There is {$500.00} in my checking account with Navy Federal Credit Union.When I attempted to withdraw {$500.00} this morning at an ATM machine the transaction was declined.It would not disburse the money, Said account was " restricted '' .Same thing at a second ATM machine.I called the Credit Union and was told my account was frozen and I could not get the money out.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/2024 CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX XXXX YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that XXXX ready to initiate my own investigation by filing complaints with the Attorney XXXX XXXX in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB Client name XXXX XXXX
Product: Debt collection

Debt collector is EOS CCA. This is for XXXX home. Bill is  dated XX/XX/2015. Ammount on bill {$2600.00}. Agency claims I  owe approximately {$1200.00}. Final bill was paid to XXXX immediately after I discontinued services and all equiptment returned within one week. Collection agency can not provide me with any documentation. I have explained that no money is owed.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Because of this, I request that the documents Ive provided be thoroughly reviewed so that I wont have to deal with this issue again.
Product: Vehicle loan or lease

Purchased a used XXXX XXXX from nissan of XXXX on XX/XX/2021 ... was told my payments were going to be around XXXX then was told to see a guy named XXXX to finalize the paper work ... XXXX begin offering me additional services the extended warranty..my main concern which i expressed to XXXX was will my payments go back to the original quote if i could no longer afford the extended warranty and he said yes absolutely ... so i took the extended warranty but the next day i called to cancel it.. XXXX said he had not put the information in the system but it will take 30 days to cancel.. i said if its not in the system then just dont put it in he said he had to in order to cancel it..so for 3 weeks i was given the run around to cancel the extended warranty..was being told XXXX was not in dont know when he would be in, that he was theg only one who can cancel it ... being sent directly to his voice mail or wrong person ... so i started showing up in person and was being told Noone was available to do it until the 3rd time i went in and said im not leaving and i will make a scene ... so they got one of there salesman to cancel it ... so i then was asking the guy about my payments going back go its original quote he stated that once i cancel the payments stay the same i told him thats not what XXXX XXXX told me .... i then reached out to the general manger who tried to sell me a up grad or to return my car he also said he would redue the the paperwork go honor what XXXX had yold me but he needed to pull my credit to do XXXX question pulling my credit if its just paperwork to later find out he was trying to refinance me ... i said you pulled my credit about 10 times already my credit score has been hit enough and its not the same as before so you cant pull it ... i to the invitation to come out and look snd the upgraded car from the general manager so that i can talk with him face to face but when i got there XXXX XXXX me XXXX XXXX the general manager was busy but he would be assisting me ... he showed me the car i said no and drove off ... 3 minutes late the general manager XXXX XXXX called me and asked why didn't i take the upgraded car ... I said you guys are full of it and hung up ... i also called Nissan finance and spoke with them and they said they dont have anything to do with it its up to the dealership ...
Product: Mortgage

I mistakenly electronically paid my Wells Fargo credit card instead of my Wells Fargo Mortgage. I realized my mistake and called the credit card people and they assured me they could and would transfer those funds to Mortgage. Countless calls, many assurances that it has been fixedand I am receiving collection calls. I have invested about XXXX hours on hold and still ca n't get this fixed.
Product: Debt collection

I am tired of doing all the leg work. I emailed the company and asked for a call from Senior Management members and asked for them by name and no response or call. Once again on my credit is ruined my credit and my reputation. I want to come to some sort of amicable resolution, but this has been the hardest task I have had to deal with in my life. I need for my communication to reciprocated versus just hitting my credi. From my perspective Americcollect version of good luck and we do not care.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting the ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681, which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666a, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Opened new savings account online with NY Community Bank on XX/XX/XXXX funded with an initial ACH deposit of {$20000.00}. 

Subsequently on XX/XX/XXXX I deposited an additional {$20000.00} also via ACH. 

My bank paid the ACH 's on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Subject bank placed a two week hold on all money in account in violation of Regulation CC. 

Further, also in violation of said Regulation, they failed to provide any notice of their intention to place an extended hold at any time
Product: Consumer Loan

According to our credit bureau report the loan with SST is showng as default and collections. This account has never been late and when I spoke with SST they stated that was incorrect and that they would correct with the bureau. This account is in excellent standings
Product: Money transfer, virtual currency, or money service

Welfargo bank did not follow due diligence to protect me from money laundering and refused to retrieve a wire transfer made using my checking account to a company for {$10000.00} for investing. I contacted the Welfargo to report that payment should be retrieved as the company is suspicious and the only response was because it was wire transfer online they could not help. My request to have them cancel the wire transfer and refund me several complaints have yielded no response.
Product: Credit card

Date : XX/XX/XXXX. 

Hello, I was very concerned to see XXXX unknown charges on my XXXX statement. There was a charge of {$1400.00} and a charge of {$2.00} posted under Adjustment. I immediately contacted the credit card company, and while their fraud department couldn't locate the " Adjustment '' amount, they suggested it could be a chargeback reversal. I informed them that I did not initiate any dispute for {$1400.00} or {$2.00}. Because I never made any purchase for {$1400.00} After some discussion, the credit card company informed me that they would escalate the issue to their senior fraud department, and I should expect a credit within 14 days. 

On XX/XX/XXXX, I followed up with the credit card company, and this time, they told me that the {$1400.00} and {$2.00} were transactions made through XXXX XXXX. They provided an email receipt XXXX. I explained that I did not recognize the email address and that I had never made a payment of {$1400.00} to anyone using XXXX XXXX. 

While I do use XXXX XXXX, my account has a limit that doesn't allow me to send more than {$400.00}. I brought this to the attention of the credit card company, but they didn't have an answer. I went through all of my XXXX XXXX purchases with them. 

I had previously opened a dispute with the Best Buy credit card for {$200.00} from XXXX XXXX, which I acknowledged and lost. I questioned how a {$200.00} chargeback could turn into a {$1400.00} charge. I emphasized that I did not recognize the {$1400.00} charge or have any association with it. 

I urged the credit card company to review my transaction history from XXXX to XXXX to check for a charge of {$1400.00}. They could not locate such a charge, and I am still trying to understand why it was added as an adjustment to my account. 

There is an error between the XXXX XXXX and the Best Buy credit card. I would greatly appreciate it if someone could investigate this issue. It appears to be a fraud case, and my credit card company is not providing the assistance I need. 

I want your team to investigate and ask the credit card company to reimburse me for the fraudulent charge on my account, as it has significantly impacted my XXXX XXXX. This error by the Best Buy credit card has caused me great stress, and I should be compensated for the inconvenience. 

I have attached the following documents. 

XXXX ) XX/XX/XXXX statement. I have highlighted the amounts on page # XXXX. 
XXXX ) The billing dispute letter related to XXXX XXXX shows an entirely different amount of {$200.00}. 
XXXX ) Billing dispute letter showing the credit card XXXX completed the investigation and resolved the matter. 
XXXX ) Billing dispute letter that shows the credit card company again posted the amount back to my account of {$200.00}.
Product: Credit reporting or other personal consumer reports

I, XXXX  XXXX, have identified several violations of the Fair Credit Reporting Act ( FCRA ) related to how my credit information has been handled. Despite my rights as a consumer, there have been multiple instances of noncompliance and inaccuracies in my credit report that require immediate attention. 

Firstly, credit information about me was accepted without proper verification, violating FCRA Section 616. Additionally, I was not informed of my right to opt out of sharing personal information, which breaches FCRA Section 603 ( d ) ( 2 ) ( A ). Inaccurate inquiries and accounts were reported without proper validation, a violation of Section 623 ( a ) ( 3 ). These actions demonstrate willful noncompliance and deception. 

Ive also experienced unfair practices, including the reporting of inaccurate debts and accounts, unauthorized sharing of my information, and harassment. There were incorrect reports of late payments, ambiguous definitions of finance charges, and unauthorized hard inquiries on my credit reportall violations of my rights under the FCRA and related laws. Even personal information on my report is incorrect and needs to be removed. 

To resolve these issues, Ive requested specific corrections and deletions. These include updating certain accounts to reflect accurate payment histories, removing unauthorized hard inquiries, and deleting inaccurate personal information. If these issues are not resolved promptly, I am prepared to pursue legal action under the FCRA to ensure my rights are upheld.
Product: Credit card or prepaid card

I cancled all of my Wells fargo credit cards because they hounded me day and night about purchases.I went to my branch to do this and told the rep I wanted to pay off every card and cancel them all to avoid anymore calls or payments and I did or at least I thought I did, but XXXX kept sending me on line bills that I ignored, and they droped my score from XXXX to XXXX or so because of XXXX $ or so.My credit cards in fact all of my bills are on auto pay so they are never late and for XXXX to do this after over 20 years of being a customer I think is a kick in the face, so if they don't set this right, I'll be moving my direct deposits to another bank! 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to correct/remove erroneous information on my credit report. I have tried numerous times to dispute this to no avail. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX : Account number # 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied for a JetBlue credit card through Barclays Bank Delaware on 2 recent occasions. Initial application said it required further investigation. I then received a letter asking me for copies of my drivers license and social security card which they requested I mail to them. That is a very unsafe way to send that information. I reapplied a few weeks ago and received another letter stating I was being rejected for : Too many recent applications. My credit score is XXXX and I have a net worth of {>= $1,000,000}. I have no debt. I have over 6 other credit cards and am never delinquent. I wanted the JetBlue card because my daughter lives in XXXX and I fly on Jet Blue from XXXX. I believe I am being discriminated against because of my age ( XXXX ).
Product: Student loan

Applied for PSLF as a government official and as a veteran and it was approved as of XX/XX/year>. I have made 121 payments which qualified me for PSLF. A part of my student loan was forgiven but there is a balance of {$24000.00}. I have contacted XXXX XXXX XXXX and they have sent me a letter on XX/XX/year> stating that my loan server ( Mohela ) will forgive the balance of my loan in 30 business days, and that I did not need to take any further actions. 
I am still waiting and can not get anyone from Mohela to take my issue seriously and forgive the remaining balance of my loan. I have been making my payments because I do not want my loan to be in default or reported negatively to the credit bureaus.
Product: Mortgage

In XXXX, I was impacted by COVID-19 and opted to ask for the Covid mortgage relief. The entire time I was on the COVID relief plan the mortgage servicer reported me past due though I was not past due when I entered the relief plan. Beginning in XXXX of XXXX I began contacting my loan servicer. This nightmare took 6 months before they finally told me my loan was modified in XXXX of XXXX, but the nightmare continued with me continuously calling every single day. Though the system did not reflect my modification, by every customer service rep I was told that I had indeed received a modification but it took time for the system to update. I continued making my modification mortgage payments, and in XXXX of XXXX, my loan was transferred to a new servicer even though they never completed the modification in their system. I started call the new Servicer ever single day and they were not able to see any loan details. In XXXX of XXXX, I received a letter from the new servicer that my loan was referred to foreclosure. I immediately called them asking why they had done that as they sent me a letter stating due to RESPA they were not allowed to refer my loan to foreclosure. They apologized and said it was an error and that the system automatically sent the letter but that it was not in foreclosure. At the same time I tried making my payment but they stated they could not accept a payment because they were waiting for my old servicer to send them the updated loan information. I continued calling my new servicer every day until finally in XXXX of XXXX, they emailed documents to me stating that I had to resign the documents dated XX/XX/XXXX and that they would honor the modification. Here it is XXXX and they still have not updated their system with the modification nor have they updated their system with the payments I made, nor have they adjusted their system for when they were not accepting payments from me. I just need some help, Two years of nightmares with these mortgage companies have ruined my credit as they have continued to report me as past due even though my loan was modified. Please help