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

XXXX XXXX XXXX XXXX  also exceeds Statutes of Limitations since they were entered in XXXX. Here you can see how Equifax has not only reinserted previously deleted data but has continued to push untrue entry dates forward. 

XXXX pulled my credit reports and found that they contained lots of fraud. This included Equifax Report Confirmation XXXX XXXX wrote a letter to Equifax disputing the fraudulent reports. This included XXXX XXXX, a report from XXXX. 

XXXX This Equifax report shows XXXX XXXX  removed. Report Confirmation XXXX XXXX This Equifax reports shows XXXX XXXX  removed. 
Report Confirmation XXXX XXXX Equifax Re-Entered the XXXX XXXX  on my reports and dated the entry as XXXX. 

XXXX Equifax entered into XXXX XXXX the XXXX XXXX. 
The other credit bureaus have removed the collections XXXX Equifax Report XXXX The entry date is updated with an untrue date of XXXX. 

XXXX Equifax Report XXXX The entry date is updated with an untrue date of XXXX. 

Do not allow Equifax to flagrantly report falsehoods and flout the laws regarding statutes of limitations against consumer rights.
Product: Checking or savings account

I called US Bank on XX/XX/21 to redeem or cash out a fully matured XXXX CD valued at {$160000.00}. This process was not smooth and I was dropped or put on hold several times throughout the request, which was done via telephone. In the end, as the recorded conversation with prove ( my daughter was also present on the line ), I requested that the check be sent to my home address. Having not received it by XX/XX/21, I called US Bank to ask for an update. Again, I was put on hold for an hour and repeatedly disconnected when asked to speak to a supervisor. I was told there was an error processing the check, but never provided assurance that I would be receiving my money. It is impossible to speak with anyone competent at US Bank and I fear that I am being taken advantage of due to my advanced age. Requests for a callback from a supervisor have not been answered.
Product: Mortgage

I had a phone call from Rocket Mortgage telling me they might be able to give me a better rate. I said that I was happy with my current mortgage but what was the going rate. The guy said he would have to call me back - I said fine. That was about 30-40 days ago and I never received a return call. Today XX/XX/24 I received a refinance packet in the mail. It had my credit score and a disclosure agreement and loan estimate including all the closing cost. I tried to call the number on the letter of the person but had to leave messages. I then logged into my current 15 year mortgage to see that I had a loan pending for 30 years. I NEVER agreed to this. I said I was fine in my loan and looking to pay it off early and then I get this in the mail. This is fraud - there was nothing said to authorize a refinance or to run my credit. Now they will not return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently added a collections charged off on my credit report for a card that I never used or received and did not want because of an annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my report from XXXX, an account that is still open and active. XXXX continues to collect payments from me every month for internet service, but never thought to apply those payments to my supposedly past due balance. I was also told by XXXX that the collection account will stay on my credit report for 7 years from the day the collection agency decided to report the account instead of the 1st day of delinquency. I was not living at the address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX during the time the services were being charged and had moved to XXXX, AZ ( XXXX ). I have attached a transcript from my communication with XXXX stating that only the credit bureau would have the authority to remove this account from my credit report and they are not sure why I would be told they can not do it. When I spoke with Equifax I was told that only the reporting Collection Agency could request to remove the account. When I spoke with XXXX XXXX ( the collection agency ), they told me that only XXXX would have the authority to request for deletion and XXXX stated the the account was not reported in error. It actually was reported in error since XXXX never contacted me about the separate bill once they decided to create a new account for me when I moved. XXXX continues to allow me to be a customer even with this XXXX collection on my credit report ( apparently a separate account ), which defeats the purpose of the negative mark on my credit. No information was ever given to me about anything and I had to wait to see this reported on my credit. It took getting a Director of Compliance from the Collections Agency to even give me a full report with the information I requested after several disputes. I don't understand how it is my fault that I was never contacted about the {$200.00} debt and was allowed to continue using services with the same company that reported me to collections. The debt is apparently not in the hands of anyone who can request removal so I am requesting it.
Product: Mortgage

Since inception of the loan, we have had issues with our payments not being applied correctly. Until about the last 2 or so years, it was manageable with NewRez. The last several years have been a nightmare. We are calling every month or more to get them to fix the payments that were sent to principal only, in error. There is a permanent note on our account to leave EVERYTHING in Unapplied payments, until a full month 's payment has been made. We pay our loan payment every week, as that is how we get paid. At this point, we should have {$930.00} sitting in unapplied to go towards XXXX 's payment. Our XXXX 's payment should have been made with the weekly payment on XX/XX/XXXX. 
I sent in proof from our bank records of the payments made for the last 2 years, as well as a spreadsheet showing how the payments should have been applied. ( What payments went to what months ) Every time I call they tell me, " it is a different department that would handle that, and they do not have a way for you to contact them. The only thing you can do is fill out a complaint/ request form online. '' Which is what I have done every time. But now no one will contact me, except to tell me that my payment is late... I have given them all the data that they need and dozens of chances to fix it, without results.
Product: Debt collection

Consumer Finance, On my 3 credit reports there is an unpaid collection account for {$240.00} by Berlin-Wheeler , Inc.. This was paid on XX/XX/2022 and attached you will have the receipt- they agreed for a " pay to delete '' and it was to be deleted from all 3 credit bureaus.

I have contacted Berlin-Wheeler, Inc. as well as the original creditor, XXXX XXXX XXXX and the 3 credit bureaus since then, with documented proof, it has been paid, and to delete as that was the agreement. The collection agency blames the 3 credit bureaus, the 3 credit bureaus blame the collection agency, and I want this to be reflected as paid and deleted - I have requested this for going on 90 days to be fixed.

In addition, the same companies, put on a duplicate collection, as unpaid, then moved to paid, and then removed - as we agreed - yet this one remains! Its a simple fix - simply remove as it was a duplicate and should not be there- we agreed to a pay to delete and that needs to be done.

I am beyond frustrated as this is damaging my credit. I have paid the collection, provided proof, and it should reflect accuretly on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit card or prepaid card

On a letter dated XX/XX/2021 that I received via mail, it stated that Wells Fargo closed my credit card account as of XX/XX/2021. It stated the reasons why it closed my account which is as follows : 1 ). Amount owed is too high relative to the credit limit on too many credit cards 2 ). Percent of credit accounts with late payments of 30 days or more 3 ). Bank card balances are too high relative to credit limit I had paid off my total balance on this credit card months ago. The first and third accusation are not true or accurate because of this. Also the second accusation is not true because I was never late on payments since my account was on autopay. When I called Wells Fargo credit card account services the representative told me the 30 or more late payments accusation had nothing to do with Wells Fargo. That in itself does not make any sense whatsoever. All she told me was that Wells Fargo had deemed my account too risky to keep open. 

I believe my credit score and report has suffered because of this closure.
Product: Debt collection

Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate information listed on my credit report, which has been a continued source of concern. I recently reviewed my credit report and found that certain information, which I have disputed in the past, has not been corrected. Despite my previous efforts, the issues persist, and as such, I feel compelled to bring this to your attention once again. 
As per the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian, it was highlighted that the company has failed to follow proper procedures for resolving disputes, which has resulted in the continued reporting of inaccurate information on consumer credit reports. I am experiencing similar issues with my own credit report and expect prompt action in accordance with consumer protection laws. 
The following information on my report remains inaccurate and must be corrected : 1. Account Name/Type : List of the name and account number of the disputed item ( s ) 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 2. Description of the Discrepancy : Details are all inaccurate detailse.g., incorrect account status, payment history, balances, etc. I am a victim of Identity theft. I notice the accounts when I tired to refinance my current mortgage from XXXX XXXX. 
3. Date of Dispute : I have provided this request 4 times. Most recent was XXXX XXXX, XX/XX/XXXX, and XXXX XXXX I request that you thoroughly investigate these discrepancies and take corrective action by updating or removing the inaccurate information from my credit file. Furthermore, I would appreciate receiving a written confirmation from Experian once these updates have been made. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate representation of my credit report. I trust that Experian will comply with the legal requirements to resolve this matter, as outlined by the CFPB and the relevant consumer protection regulations. 
If I do not receive a resolution within the required timeframe, I will consider escalating this issue with the CFPB and other relevant authorities to seek a more comprehensive resolution. 
Thank you for your immediate attention to this matter. I expect prompt and accurate corrections. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account NamXXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name ICS Collection Service Inc partial account number XXXX in the amount of {$1100.00} with an open date of XX/XX/2018 and the original creditor is XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by Sessoms and Rogers PA. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Sessoms and Rogers PA, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Sessoms and Rogers PA has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Sessoms and Rogers PA immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Sessoms and Rogers PA does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.
Product: Bank account or service

I 'm XXXX and XXXX and XXXX and also will be filing complaints against them for discrimination against people with XXXX. I wish to make a complaint against PNC Bank. On XX/XX/XXXX, I attempted to use my XXXX Debit Card to make online purchases and received an error that my card was invalid, I then attempted to use my card again on XX/XX/XXXX at XXXX and my transaction was denied. I contacted PNC Bank with my son, to inquire why these transactions were denied and, I was advised that because my magnetic strip was worn out, this is the reason my online transactions were denied and a replacement card needed to be mailed. My son, felt this bad explanation being that an online purchase, has no bearance with anything to do with a card 's magnetic strip, and this being the case, why had n't they notified me. Then, I was informed by the service rep because, I no longer have a checking and only savings, these transactions were being denied, but I have used this card to always make purchases and to pay bills and other point of sale transactions. PNC issued this card to me on XX/XX/XXXX, but has never notified me in writing, that because I closed my checking XX/XX/XXXX, that I can only use this card to make withdrawals from my savings. This is a holiday week and now they ca n't even provide a good explanation of why I ca n't use my card. In addition, I was unable to login into my online account due to PNC Bank freezing my online account login and after providing the correct information they refused to allow me access to my online banking and stated they had to mailed password and I would receive it in 3 to 5 business days, when my account had been fully authenticated and what disturbs me is they always provide generic responses, besides having deployable customer service, and only resolution they can offer is about going into local PNC Branch ; who nowadays goes into local branches, that 's the reason for having online banking in the first place and I 'm also due to reason I 'm unable to leave my home due to my current medical condition. I need to make a complaint against them for blocking the authorized use of my funds and deliberately discriminating against the elderly and people with XXXX and failure to provide written notice of restrictions and changes made to my Debit or Bank Card.
Product: Student loan

Im part of the XXXX XXXX XXXX XXXX XXXX XXXX. My loans were suppose to be discharged and removed from my credit and a refund of all my payments by XX/XX/2024. They have not been removed from my credit and no refund has been issued. Im getting the run around with Mohela and the Borrowers Defense/ dept of education. Mohela says Im not due a refund and states its coming from Borrowers defense/dept education. They are saying its not. Im due a refund of all my payments made on these loans and the loans are suppose to be removed entirely from my credit report. I qualify for the refund since all my payments were made to XXXXdept of education through the years.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds in 24 hours 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 reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. title 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding against similar violations ( proceeding file No. XXXX ). I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation and validity of accounts. 
These are the accounts that have marked with major inaccuracies so far : XXXX Account beginning XXXX XXXX XXXX XXXXXXXX Account ending XXXX I also request that all future communication be done via e-mail ONLY. Do not mail anything to any address on file as there are major inaccuracies with those reports as well. ( XXXX )
Product: Vehicle loan or lease

Purchased a Honda Civic in XXXX. XXXX XXXX ( finance manager ) didn't print out or email my contract. I called/emailed/showed up in person 4 days later to have my contract printed ... guess what they included without telling me?! A vehicle protection plan ( I declined all additional services in person, SEVERAL times ) so SHADY. No wonder they didn't want me to have a copy of my contract! I contacted the dealership and XXXX emailed saying that she apologized for not sending me my contract to the correct email ( she misspelled it ), and that she would have my money refunded to my account and that she hoped that I would not leave negative reviews for her mistake blah blah blah .. it's almost XXXX and nothing has been refunded. I emailed XXXX last week and she said " it's a mystery to me why it has not been refunded '' like??? So unprofessional, so shady, would not recommend this dealership to anyone. 

Vehicle protection plan {$100.00} was charged on XX/XX/XXXX. 

I requested it to be canceled on XX/XX/XXXX and was told to send them my Honda account # to get a refund. 

I received my account # on XX/XX/XXXX and sent it to XXXX ( XXXX manager ) and she said that it could take 6-8 weeks. 

Hadn't seen any refund so I contacted her on XX/XX/XXXX - called/no answer/left voicemail and sent her an email to get an update. 

I received an email saying that " it was a mystery why I haven't received a refund ''
Product: Credit card

My concern is about using Capital One credit card and its attitude toward customers. 

Without explanation Capital One locked my card and I am not able to use it for more than a month. Calls are not answered and no info provided by the bank. 

Also, Capital One keeps charging monthly fees and interest for the service that is not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

**********************************ADDITIONAL INFORMATION****************************** *****************************EQUIFAX STATED THE FOLLOWING************************* Please be advised that we are unable to locate a credit file using the information you have provided. You may not have a credit report if you have not applied for credit or used credit in the past seven years. If you would like to provide additional information in assisting us with locating a credit file for you, please submit a copy of your drivers license and/or current utility bill with a photocopy of your social security number. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX ************************************************************************************************** I'm providing information that will help find my credit file. I have submitted copies of my identification to you by mail several times. I have done so again this time as well. ****** ************************************************************************************************** Equifax is reporting information on my credit report from XXXX XXXX that has not been validated. I want proof that in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL 9-614. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY. XXXX XXXX is required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Please provide copies of the required notices and proof that they were sent to me : Notice of Default and Right of Redemption/Right of Reinstatement Notice of Intent to Sell Property How they Calculated Your Surplus or Deficiency