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

Transunion is reporting inaccurate erronious information on my credit report and refuses to correct it after i have asked the many times to the keep replying verified with the us court and the court denies the verification
Product: Credit reporting, credit repair services, or other personal consumer reports

How was Equifax, XXXX, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?
Product: Checking or savings account

Six weeks ago my savings, checking ad credit building accounts were frozen by chime and they requested receipts for some transactions. I provided them and it took them two weeks to tell me they were the wrong ones. I then sent in the right ones and have emailed and called everyday since for the last month and I can not get a response from anyone and when I call I get the same runaround answer everytime. They have XXXX of My money and I need it
Product: Vehicle loan or lease

I, the consumer, purchased a XXXX XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I made a down payment of {$2800.00}. I paid {$400.00} for insurance before I could leave the car lot. I have been making payments in the amount of {$290.00} for the past XXXX  months ( I have not missed a payment ). After learning of my consumer rights, I was not provided with the type of notice of my rights to recission under the Truth in Lending Act ( TILA ), 15 USC 1601et.Seq this is required by Federal Law. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant to 12 CFR 1026.3 named Truth in Lending. Per the congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer ( me ) will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit during the consummation of the contract. '' Furthermore, according to the Truth in Lending Act 15 USC 1605, my down payment and insurance should have been included in my finance charge, which is all I needed to complete the contract. There should NOT have been any cash exchange after the use of my social security number ( which is by law my credit card ), that constitutes as unauthorized use of a credit card once I entered into a consumer credit transaction. XXXX XXXX XXXX XXXX did not disclose my right to rescind. This being the case, pursuant to 15 USC 1635, I have the right to rescind my initial consent to pursue the terms of my contracts. I conclude this complaint with a demand for XXXX XXXX XXXX XXXX to return my initial down payment of {$2800.00} and all monthly cash payments totaling about {$11000.00} I have made since they have failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to them. 15 USC 1635 ( b ) ( F ). I demand that XXXX XXXX XXXX XXXX return my down payment and other cash payments made within 20 days of this notice by law.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information that has been reporting on my credit report by XXXX XXXX XXXX XXXX Equifax The account in question is under my name with Safe Home Security Account # XXXX Contract on file with Power Home Security They are continuing to report inaccurate payment information and refuse to close the account after written and verbal notification Date of Last Payment - Inaccurate Refusal to close account I previously disputed these inaccuracies Equifax continues to update this closed account with late payments reported by Safe Home Security - whom refuses to close the account. See reference below to better confirm the current situation Safe Home Security, its sister companies, and XXXX XXXX XXXX XXXX, employed alleged deceptive tactics to prevent consumers from canceling their contracts, charged consumers for services when their systems were not working and engaged in aggressive and illegal debt collection practices, in violation of G.L. c. 93A and the AGs Debt Collection Regulations. 
https : XXXX I would like to bring to your attention these inaccuracies are damaging my creditworthiness and financial reputation, I have attached supporting documentation that provides evidence to support my dispute including Equifax disputes ( 4 ) Correspondence with XXXX XXXX XXXX
Product: Student loan

I had around {$30000.00} in student loans remaining at Navient after paying them down for about ten years. I refinanced with XXXX and XXXX remitted {$27000.00} payment to Navient on XX/XX/2018. That ended up being an overpayment of {$1400.00}, and both XXXX and Navient told me that Navient would write a check back to XXXX for {$1400.00} and they would apply it to the principal balance.

According to my Navient statement, they acknowledged the {$1400.00} overpayment on XX/XX/XXXX. After almost three weeks when {$1400.00} had not yet been credited to my XXXX account, I called XXXX and they said they had not received any check from Navient reimbursing the overpayment. I then called Navient and asked them to confirm details of the payment. They told me they " batched '' a check to XXXX on XX/XX/XXXX, but they claimed they could not provide me the check number or confirm whether or not the check was negotiated, and that it takes " up to a month '' for a check repaying an overpayment to be reflected in the new loan account.

On XX/XX/XXXX, a month after Navient supposedly sent a check to XXXX,XX/XX/XXXX XXXX had still not received a check ( I confirmed this through my online account and a call to XXXX ) so I called Navient back and the customer service agent confirmed that there was an overpayment in the amount of {$1400.00} and claimed that Navient had sent a check on XX/XX/18 to XXXX. I said checks don't take a month to go to another state, and she said that it could take six to eight weeks. I asked for a check number, whether it had been negotiated, and copies of the check, and she claimed it was impossible. After the call, I faxed them a letter demanding they process the overpayment and provide me evidence that they actually issued the check. They did not respond to that at all.

On XX/XX/XXXX, I called again and went through the same explanation and the Navient customer service agent gave me the same story that the " check is in the mail. '' I asked her to elevate this to another level of customer service to produce a check number and check images so I could track it and see if it was cashed, and she said she escalated it and that I would receive copies of the check " by XX/XX/XXXX at the latest. '' Today is XX/XX/XXXX and XXXX has still not received a check from Navient and Navient failed to produce the check number or check copies that they promised.

It is apparent that they never sent the check for the {$1400.00} overpayment, and that they have just been holding {$1400.00} to which they are not entitled.
Product: Debt collection

I had an account with XXXX. I ordered two items. An headboard and modern sofa. I returned the sofa because I did not like it. The other item was an upholstery headboard which was only {$110.00}. I made my payment and verified with the representative after me paying the last XXXX since I owed nothing. She justified that. A year later XXXX hit my account stating I never paid. I called them and the representative said she didnt know why it was on my credit. I paid them off and it should not even hit my credit. They had no explanation. I asked if they could send the notes from my account where they saw it notated I dont owe anything. I have been reaching out to XXXX  more than a year. They have now sold my account the second time to midland credit management where they are saying I owe XXXX and calling and harassing me. I do not owe them XXXX. They should not even have my information.
Product: Mortgage

Unfair - Failure to respond to written submission under RESPA including QWRs, Notices of Error and Notices to produce, excessive billing with failure to issue requested reimbursement of funds over charged equates to breaches of contract, fiduciary duty, negligence etc... 

Deceptive practices include failure to fully disclose actual mortgage holder now appearing to be Mr Cooper demanding payment in the name of XXXX XXXX  and XXXX XXXX owner of Mr Cooper issuing partial refunds for overbilling issues. Deceptive Acts include but are not limited to Breach of Contracts, Negligence, Breaches of Fiduciary duty for altering terms without authorization, requests by Mortgagee and Unilateral Acts in contravention to those terms agreed to by the parties at settlement. 

Abusive tactics include conversion of funds without any alternatives given to the mortgagee, Unilateral acts by new Servicer not agreed to or applied for by Mortgagee and places the homestead in jeopardy by no fault of this Mortgagee satisfying the three part test under the FCT Act including It is substantial ; it must not be outweighed by any countervailing benefits to consumers or competition that the practice produces ; and it must be an injury that consumers themselves could not reasonably have avoided. The loss of escrow accounts while in part being billed for part while asserting the transfer, at first, did not affect the escrow requirements then changing terms is causing an unavoidable injury to this complainant that he has no way to avoid that has no benefit whatsoever to this consumer and flies in the face of those contractual obligations accepted at closing. The breaches of fiduciary duty therefore, negligence along with several contractual breaches ensures joinder of both XXXX XXXX and Mr. Cooper to that ongoing litigation in that Circuit Civil Action 22-CA-188 in the XXXX XXXX XXXX XXXXXXXX XXXX FL this is another injury complained of that is unavoidable and consequential to this complaining party, aside for the lack of any Credit and payment reporting which appears to be ongoing causing substantial and additional injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : US DEPARTMENT OF EDU # XXXX Account Name : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have numerous credits pulls and inquiries on my credit report which is not authorized. 

Factual Data XX/XX/year> Equifax and XXXX XXXX XXXX XX/XX/year> Equifax and XXXX XXXX XXXX XX/XX/year> Equifax and XXXX XXXX XXXX XX/XX/year> Equifax and XXXX XXXX XXXX XX/XX/year> Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : Credence Resource Manage XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX, XXXX of XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, Transunion and XXXX credit bureau reports.I opened the account in XXXX of 2015. 
The payments made for this account were for usage and a XXXX XXXX XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to XXXX XXXX. 
This entire account is fraudulent.I owe nothing.
Product: Mortgage

I recently had a payoff amount made to Bank of America during refinance of my mortgage. 

I accidentally paid an extra month of payments in the amount of {$4300.00} on XX/XX/2020. 

After completing my refinance with different bank I realized my mistake and contacted Bank of America on XX/XX/2020. They told me it would take 24-48 hours to transfer the funds back into my checking account. I provided them with my bank account information.

I contacted them again at the end of the week. Each time contacting them as 90 minutes on hold on the phone. 

I was assigned a case number XXXX and told again another 24-48 hours. I was contacted by a supervisor on XX/XX/2020 who told me it was still in process and that we was again escalating my case. 

As of XX/XX/2020 it has now been 2 weeks after being told it was going to be 24-48 hours and B of A has not given me my money back.
Product: Credit card

On XX/XX/XXXX our son lost his wallet containing his copy of our family 's USB credit card about XXXX XXXX. At XXXX he became aware and called me. At XXXX I called consumer services for the USB card. By then two charges, {$1100.00} and {$500.00}, at XXXX XXXX had been approved by USBank. USBank credited our account. XXXX opened two disputes, XXXX and XXXX. {$1700.00} is the total. In a letter dated XX/XX/XXXX by received XX/XX/XXXX, USBank wrote : " After careful review, we have verified that you have received benefit from the transaction ( XXXX ) by either receiving services and /or merchandise from the merchants... You have a right to receive copies of the documentation used during this research. Please contact us if you would like this documentation. '' On XX/XX/XXXX we uploaded additional documentation. We asked for their documentation. USB requested we resend our documentation, this time by mail. We did. On XX/XX/XXXX we asked USB to acknowledge our documentation and provide copies of their research. No documentation has been forthcoming. The charges totaling {$1700.00} have not been reversed. Our billing due date is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME THAT I HAVE ASKED EQUIFAX TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$590.00} IC System Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4300.00} XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I have reported this to experian multiple times, with suporting documentation, and they refuse to delete the items. This is ruining my life.
Product: Credit card

My payment date is due on the XXXX. They are are charging a {$38.00} late fee to my balance if not paid on or before the XXXX. The XXXX is not my due date. I have moved to another state almost XXXX year ago and have had financial slow downs while getting re- established. I did not realize the were charging this outrageous late fee after the XXXX. In my industry ( XXXX XXXX ) the deadlines dates are XXXX that night as this is within the XXXX hour day. My account is has a {$150.00} balance with a {$500.00} limit. No warnings on my paper statement disclose payments should be received on the XXXX. I happened to see it on line when I made my payment this evening. I have been running late due to difficulty but when I pay on the due date, I should not be charged a late fee no matter what time of day it is. The bank can draft out funds from our accounts in real time so our payments should be able to count in real time within the XXXX hour due date time frame. This is robbery and should not be allowed even if posted in all caps and Bold on the statements. It 's even worse as it 's not clarified on the paper statements at all. This means that those who do not have internet access have no way of knowing before they see the charge that this is happening or why if they are paying on their due date. The 26.99 % APR rate and the {$38.00} late fee is thievery and the sneaky way they are getting it is criminal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX, Please see attached- this account is showing the wrong balance. Please have corrected as soon as possible as its damaging my credit.
Product: Credit card or prepaid card

I enrolled into autopay and have been for a while. My account is supposed to have been paid {$350.00} on the XXXX of each month. Since XX/XX/XXXX no payments have been processed. I am now still in debt to them while they continue to charge interest to me and for some reason have not taken any of my payments. When I called and spoke to them they could not give me an answer as to why the payments were not taken out. Essentially they are keeping me in debt though I have signed up to make payments.
Product: Checking or savings account

I am a victim of an online scam in which a fraudulent check was processed through my account because I believed them to be the company they claimed to represent. As soon as I found out that this wasn't the case I immediately called my banking institution on XX/XX/XXXX to get the check totaling in an amount of {$3000.00} dollars to be canceled in which they said that they couldn't stop the processing and I would be charged a {$10.00} dollar fee even though they knew the check was fraudulent. 

On XX/XX/XXXX I went to the nearby branch with proof that this was a scam I had been victim of. Branch manager XXXX XXXX was the one who had helped me but only stated the same things I was told on the phone. That I would have to wait and only when I returned with my mother did the manager state he would attempt to expedite the return of this check so that I could close down my Huntington account. He had also claimed to call me once the check was returned which did not happen, I had to check myself after receiving an email that I had a negative balance in my account. 

So again on XX/XX/XXXX I went up the bank branch and spoke with XXXX. The feeling that they didn't care about my livelihood or continued business with them was evident by their lack of care nor urgency with this matter even after allowing them to make copies of my in hand evidence. Even being as careless as to ask me to give him my SS number out loud with another customer present, which I did not do. My account is currently sitting at a - {$3000.00} balance that shouldn't be there at all. I do not owe the bank anything since I never spent a dime of the fraudulent {$3000.00} dollars. In fact Huntington took the remaining {$5.00} dollars in my account even though that had nothing to do with the check in question. I am worried that this will most definitely reflect poorly on my credit score and the other debit card that I recently opened with XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but XXXX XXXX and Experian has not followed the laws.