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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending multiple requests, I have not received any response up to this date. The inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXXXXXX XXXX****Balance : {$2400.00} ; XXXX XXXXXXXXBalance : {$44000.00}
Product: Debt collection

A woman called from XXXX to MY WORK numberXXXX todya XXXX/XXXX/2015 at XXXX XXXX XXXX times. She would not say her name, her company or what this was about. She wanted to speak to my supervisor and claim if I did not provide payment today she would go to my HR department.
Product: Mortgage

A loan modification package was submitted to XXXX XXXX on XXXX/XXXX/17 - we were advised that the loan was being transferred to Caliber home loans on XXXX/XXXX/17 effective XXXX/XXXX/2017 - XXXX XXXX denied the loan into review with loss mitt. We then called Caliber on XXXX/XXXX/17 the day we were notified of the change in servicer 's, Caliber advised that the loan would not board their system until XXXX/XXXX/2017 - The clients home is set for Foreclosure sale on XXXX/XXXX/17 and neither servicer will accept the loan modification package for the review or postpone the sale date due to the transfer in servicers.
Product: Mortgage

XXXX payment was not accepted because it was {$6.00} short ; lender refused to apply payment that was issued from their bank account to their loan department because I questioned the increase of insurance. They cancelled my homeowners and started a new policy charging XXXX per year without my knowledge. Home is a XXXX sf townhome connected on both sides by other homes. Insurance should XXXX per year per contract with increase to XXXX per year for wind last year. In XXXX taxes were lowered because I appealed and value has decreased to XXXX from XXXX. Bank refunded in XXXX and in XXXX meaning there should be no increase. They initiated and increased the insurance so it is over insured so they could increase the escrows needlessly. Now they are punitively rejecting payments to harass and force payment where not needed. I have an appointment with bank to discuss in person however I would like a formal review by this agency since they are mismanaging the loan and overcharging.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to Experian, XXXX, and XXXX on the issue but got no responses.
Product: Checking or savings account

Hello I am requesting that Bank of America close my account immediately. Bank of America did not properly investigate this matter as to why my account negative almost {$24000.00}. This is unfair and unjust to me and it causing my business that I have had for almost 4 years to plummet. I want this account closed immediately. All of my scheduled deposits are now going into a negative bank account and Boa is just collecting money that's not even available to me as the business owner. This is a business dispute between 2 businesses and to not properly investigate and just make my account severely negative is unjust and shows pure greed on the banks end. This is written request to close this bank account immediately. If this bank account is not closed within 30 days I will be taking legal action against Bank of America.
Product: Debt collection

On Thursday XX/XX/2022 my wife received a phone call stating that I was being served an order of location at my residence and I would need to contact XXXX for information regarding a file number XXXX. The same day, my mother was also contacted and was told that I was being located for a legal matter and they advised that they were attorneys. When I contacted the number I was told that I was being sued for defrauding the bank and breach of a contract. When I asked for additional information and a letter of validation for the debt they were reffering to they advised that they were not required to send me anything ans if I did not comply today they would continue their filing with the courts and would send an order of location out for me to my residence. The compmany would not even provide me with their full name and where I had called, the representative continued to raise their voice and demand payment immediately or I would be located. When I asked for written documentation of a payment plan or payment arrangement information I was told that they were not required to provide me with anything until I satisfied the debt they claim. This company calls my family members everyday and intimidates them and tells them they are attorneys and that I have legal troubles and that they are sending an order of location. They also will not provide me with any validation, validation in the mail, or answers to my questions, they just demand payment and threaten me.
Product: Credit reporting or other personal consumer reports

I received a call from Pentagon stating I owe them a payment. I told them I don't have car loan with you, I have been paying XXXX XXXX in XXXX for a year or so. Pentagon stated that XXXX XXXX sold my account to them and that me or my son was to start paying them. I said I was never told that such account was sold to anyone and secondly, the account you have is a fraudulent because my son and I don't have an account with XXXX XXXX  and I never had an car loan agreement with my son so whatever account you have with my son and my name on it is fraudulent and not mine nor my son 's. My son never signed any papers to be a cosigner with me on any car loan. I always make it clear to anyone when looking to purchase a car that if a cosigner is needed I would not be purchasing a vehicle. I was assured that a cosigner was not needed and I read everything I signed. I would never put my young college son on any loan with me. Pentagon stated my son is a cosigner for this XXXX XXXX XXXX car loan. I stated he is not and any signatures of my son 's name on any such agreement wasn't his and is fraud and I requested proof of the original loan and whether their lawyer has looked over this car loan agreement to see if it is legit which I knew otherwise that it wasn't and they hadn't but I requested a copy and proof of this information both from Pentagon and XXXX and the other two main credit reporting bureaus. This vehicle loan reported information was removed from both mine and my son 's credit file with XXXX and XXXX, but not from XXXX and Pentagon Federal Credit Union who both refuse to stop reporting it or remove it. Pentagon then turn around and sells this fraudulent account they say is ours to another collection agency who continues to harass us with letters and calls to pay this remaining debt even though Pentagon refuse to pick up the vehicle and told me to sell it to a car dealership and they released the title and it was sold to XXXX the dealership on XX/XX/XXXX at their request. Pentagon reported this vehicle payments as being late at least XXXX times on my credit file with XXXX after failing to come pick up the vehicle during the Pandemic in XXXX, XXXX, after the last payment was paid the beginning of XXXX, XXXX. I never was late. Pentagon even stated on my XXXX credit file that I paid as agreed. How can you pay as agreed and be late. This loan was reported late after Pentagon refused after several requests to pick of said vehicle for over XXXX months. After finding out a year later that the car loan agreement had false signatures and fraud was committed by the original seller, XXXX XXXX of XXXX and the account was sold to Pentagon, I wanted no dealings with neither parties.
Product: Debt collection

I was given the amount that was to be paid when my XXXX  had the procedure done. I made sure to check/ask ahead of time what the payment would be so that I would know if I could afford it or not. Weeks after the procedure, they decided to send me another bill that was not quoted. I do not owe this. This is the second time this medical practice has tried to charge me for more than they initially quoted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This continuing mortgage issue with NFCU has been a nightmare that has harmed me financially. I have had an FHA loan with Navy Federal Credit Union XXXX NFCU XXXX since XX/XX/XXXX. I have never had a late payment on it. I requested in XX/XX/XXXX a loan forbearance through the CARES ACT due to financial difficulties with Covid-19. I am XXXX as is my spouse. In XX/XX/XXXX my spouse suddenly went XXXX after we both had XXXX a few months prior and decided to end our forbearance quickly due to our need to possibly try and sell our existing home because having steep stairs became a hazard, and to also give us some time to get back into making house payments again. We were told you must make at least 3 payments to either refinance or purchase another home. I also was desperate to bring my currently reported mortgage balance down to where it should be ( about $ 36K ) rather than the now over $ 40K reported balance. Despite being told that my credit would not be harmed during forbearance, NFCU spent over a year adding interest and late fee 's to the balance being reported. That alone caused my credit score to drop over 100 points as balances are supposed to decrease not increase. I asked for assistance throughout XXXX from CFPB and NFCU but NFCU refused and CFPB did nothing to stop them. NFCU knew that what they were doing was purposely harming my credit. I exited my forbearance in XX/XX/XXXX and made a mortgage payment immediately but was not applied to my mortgage. I was given no options by NFCU other than a stand alone claim which was approved but no other options or modification to my mortgage was offered or discussed. I had to log into my online account and print all my documents then I was responsible for providing notorized copies to NFCU and mail them. To date I received nothing pertaining to this stand alone claim was told nothing about the program. rather I waited patiently for my credit scores to rebound once my mortgage balance was brought down to where it should be if no forbearance due to this pandemic disaster had occured. And my scores did rebound only to drop AGAIN in XXXX when NFCU reported my mortgage balance as being OVER $ 40K AGAIN! I was shocked and angry and confused and contacted NFCU many times only to be told that the " system '' didn't know how to process this $ XXXX payment thus kicked it out again and reported my mortgage balance as increasing $ XXXX causing my scores to plummet once again. NFCU admitted it was their error but has done NOTHING to correct this false information with the credit bureaus telling me that I have to call each one, they will not. I have been victimized yet again and additionally my payment went up ( {$280.00} to {$300.00} ) DESPITE my first payment being applied to my escrow account to insure this DID NOT happen. NOTE : NFCU no longer originates FHA loans. If my scores were not harmed by them I would seek out a cash out refi VA loan so that I could find a single story home while renting my existing home out while awaiting its sale. But qualifying might be an issue with my credit scores again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account # XXXX was included in bankruptcy filing in XX/XX/2019 and XXXX on XX/XX/2019 but is reporting {$34.00} balance & charge offs after bankruptcy filing. I have notified the creditor and the credit bureau multiple times but they have yet to fix this account - it should have a zero balance and no charge offs after XX/XX/2019. They fixed the other accounts with this creditor on Transunion but still have not fixed this one.
Product: Checking or savings account

XXXX car rental agree not to take a additional XXXX $ holding deposit from my account, but later on tried to debit the XXXX and it over drew my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Debt collection

On XX/XX/XXXX, I purchased a desktop computer from Dell and financed it through Dell Financial Services. See Exhibit A. I included a one year warranty in the purchase price. Exhibit B. The payments for the warranty were {$5.00} per month and extended through XXXX of XXXX. In approximately XXXX of XXXX, I received an email notifying me I could extend my warranty, I opted not to do so. In XX/XX/XXXX, I was notified that Dell had transferred its financing to a third party, Comenity Bank. See Exhibit C. 
In XXXX I received the statement for {$10.00} and I paid it without thought, knowing it was my last charge for the warranty about to expire. I then received another billing statement in XXXX. I called the number on the billing statement, XXXX and spoke to a call service representative of Dell. He told me Dell records showed that I owed no money to Dell. He took some time and came back to my call saying he had a notation on the record and sent me an email confirming that nothing was owed to Dell. See Exhibit D.

Then in XXXX, I received another billing statement. I again spoke to a Dell representative and she told me Dell records showed that I owed no money to Dell and she referred me to Comenity. I called Comenity and explained the issue. The representative came back on the line and told me that Comenity only billed for what Dell sent them. So, back to Dell. The representative again told me I owed nothing and a note would be put in my file again to correct. The Comenity representative stated she would prepare a dispute claim and I sent her the documentation for it. 
In XXXX, I received notice from Comenity that my claim was under investigation. See Exhibit E. In XXXX, another billing statement. Same merry-go-round as before and I was told the matter was still under investigation. XXXX, XXXX, I received another billing statement. See Exhibit F. I then wrote a letter and sent it XXXX to the general counsel for Dell with a copy to Comenity. Exhibit G. I have heard nothing from that correspondence, except another billing statement on XX/XX/XXXX. 
I have very little recourse except through you or the courts, and at XXXX, having been a XXXX XXXX for 47 years, I do not want to spend my time in court. I ask for your assistance. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX claims to be collecting on an account for XXXX XXXX XXXX As of XX/XX/year>, Transunion has allowed this company to report information that has never been verified. XXXX XXXX XXXX has never attempted to validate this debt despite numerous requests on my part. I have no idea what this supposed debt is, and it does not appear on any other reports from other major credit reporting agencies. Transunion is the only agency allowing this to affect my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, once again, submitting this CFPB complaint to you to request that you remove the negative description on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00} XXXX You have failed to send me copies of results of your investigation and yet you claim that the disputed erroneous acccounts are acureate and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have submitted documentation including FTC identity theft form, police report and written dispute in reference to a fraudulent XXXX XXXX account reporting on my credit file. Every dispute has resulted in XXXX and Equifax responding the account was verified. However, on XX/XX/2020, I submitted a complaint to XXXX XXXX in reference to the fraudulent account and attached the same documents I have previously submitted to both bureaus above. XXXX responded that my dispute was the first time they were notified this was a fraudulent account. How could this be????? I have submitted the same documents to the bureaus above and they claim, the account was verified?! This is ridiculous that XXXX  and Equifax and blatantly not investigating fraudulent accounts and further intensifying the effects of identity theft on consumers! Now, I have to wait another 90 days for XXXX to investigate before they will be able to dismiss this debt as fraudulent. As of now, this fraudulent account is continuing to cause undue damage my credit profile as a result of the above credit bureaus not verifying, validating and accurately disputing this debt with the creditor! I am in the process of filing formal complaints with the XXXX XXXX XXXX, CEO 's of both bureaus and Attorney General as well until this erroneous deed is rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter for an unauthorized inquiry to my consumer report, demanding {$1000.00} settlement. It was delivered to SYNCB/ BP DC on XX/XX/XXXX and I received it XX/XX/XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Representative from the Federal Trade Commission informed and told me to send the attached IdentityTheft.gov report to Chex Systems to dispute inaccurate information on my Chex Systems Consumer Report ID : XXXX and have Chex Systems delete and remove the inaccurate information from my consumer report that has been reported to the Federal Trade Commission. The following account and inquiries currently listed on my Chex Systems Consumer Report ID : XXXX is inaccurate and fraudulent : XXXX XXXX XXXX, XXXX, {$16000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX  ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Hi, I refinance my house with Lenox financial which I was told the check I wrote during the escrow would be refunded to me but only about half was return. The realtor has stopped working with me and does n't return my call or my email complaint. Could you please help? XXXX XXXX