23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX To Equifax Business  Credit This is my third complaint to Equifax for inaccurate information on my Business credit file, Neglecting my Business Credit file Equifax to delete account number XXXX immediately, and to send me a confirmation letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX My name is XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information Referring to Commercial credit card number XXXX, account inaccurate On Equifax complaint response dated XX/XX/XXXX and on Equifax complaint response dated XX/XX/XXXX the disputed item, account number XXXX Not on my credit file, Equifax is inaccurate Exquifax claimed NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns, see attached Equifax response Equifax inaccurate information, on account number XXXX. As per Equifax Commercial account number XXXX, on my credit file as per email dated XX/XX/XXXX See attached This is inaccuracy on my credit file affecting my company I hereby request Equifax to delete account number XXXX, immediately without delay and to send me detailed letter of account number XXXX, deleted from my Commercial credit file Please do not delay this is affecting my company Thank you XXXX XXXX For the Equifax complaint response dated XX/XX/XXXX and on Equifax complaint response dated XX/XX/XXXX, Equifax inaccurate and misleading information Equifax inaccurate information on my Business Credit file On XXXX XXXX Equifax report # XXXX, Equifax claims account ending in XXXX See attached THE DISPUTED ITEM NOT CURRENTLY REPORTING ON THE EUQIFAX FILE : Company name Commercial Credit Card Account number XXXX, see attached On Equifax XXXX XXXX Business credit file, account number XXXX it shows reporting See attached Equifax has not removed account as they claim, therefore I demand a deletion letter for account number XXXX immediately without delay Florida statues of credit card limitation is 5 years Georgia Statues of credit card limitation is 6 years Account number XXXX reported on XXXX Account dated XXXX, account outdated Thank you XXXX XXXX
Product: Checking or savings account

On XXXX a person claiming to be a Bank of Americal ( BOA ) employee called me from a number that appeared as coming from BOA on my phone. This person had all of my checking account information, including my account number, ATM number, expiration date and secret access number. He informed me that my account had been hacked, and if I could enter a XXXX transfer to BOA, he could fix. The person gave me a BOA address to send the XXXX to. This person had all my BOA information and never asked me for account numbers. In fact, kept repeating that BOA would never ask for account numbers over the phone. 

He knew the e-mail address associated to my account and all my personal info. 

I did enter the transfer, but never waived my right to have protection ( stated in my BOA Checking Account Agreement ) from fraud. The person who called, supposedly from BOA, initiated the action and I received absolutely no benefit from the transaction. 

I contacted BOA immediately after the fraudulent call, but they were unable to reverse the transfer. 

I did dispute the fraudulent XXXX transaction, for {$1500.00}, with BOA. Claim # XXXX was processed, at BOA, and I was recently denied refund.
Product: Debt collection

This is on my credit report and is hurting my reputation as and credit. 

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I C SYSTEM Last reported XX/XX/2023 {$140.00} Open balance XXXX XXXX XXXX XXXX  Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest XXXX. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX XXXX to XXXX XXXX and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe XXXX XXXX XXXX NOR XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I am distressed by the discovery of a XXXX  payment notation, despite not having any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

I CONTRACTED WITH MARRIOTT MEMPHIS FOR A CERTAIN NUMBER OF ROOMS. THE HOTEL CHARGED ME FOR THE UNFILLED CONTRACTED ROOMS. THE CONTRACT WAS COMPLTED BY THE AMOUNT CHARGED. HOWEVER, THE CONTRACT ALSO STATED A CERTAIL LEVEL OF MARRIOTT POINTS WOULD BE AWARD WITH THE COMPLTED CONTRACT. THE POINTS WERE NOT AWARD FOR HOSTING THE EVENT PER THE CONTRACT.
Product: Mortgage

We refinanced our home, signing the Closing Documents on or before XXXX XXXX, XXXX. The loan was funded on or about XXXX XXXX, XXXX. The old loan did n't pay off on or about XXXX XXXX. We had n't paid our XXXX XXXX payment so it was reported delinquent. We have recently been notified another payment was reported as delinquent in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to XXXX for refinance of existing auto loan. Experian supplied an incorrect birth date indicating that I was a minor. My correct birth date is XX/XX/XXXX. 
This mistake was repeated on XX/XX/XXXX and XX/XX/XXXX when I applied to cosign for a loan with a XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On one occasion My account was hacked and my personal information distributed. My money was also transferred out and I was told there is no relief for the matter.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX - {$2700.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

XX/XX/2024 I got a notification that my XXXX XXXX was affected by debt collection of {$8500.00} from XXXX XXXX XXXX XXXX XXXX, XXXX I served as a courtesy XXXX XXXXXXXX for the complex. My rent XXXX XXXX in which I only XXXX XXXX on my own in which I did. 

I ended my contract in which the XXXX XXXX was ending my contact due to my XXXX XXXX XXXX and in exchange they would not affect anything against me as they would hire another XXXX to fill the spot. 

I was not notified by anyone from XXXX XXXX XXXX nor the creditor until I noticed an alert with my XXXX XXXX that dropped XXXX points from over a XXXX XXXX XXXX I have achieved. 

I contacted Pro Collect INC in which the agent stated he did not want to hear anything from me and that I have to pay this. I attempted to explain that XXXX XXXX XXXX and myself have a contract that states this. Unfortunately the unprofessional agent refused to let me talk and stated he had my contract. I further attempted to explain in which he hung up multiple times and stated I dont know who youre talking to about this in a rude and belittling manner, and proceeds to hang up the phone call which hinders my ability to deal with this miscommunication he is not willing to address.
Product: Mortgage

XX/XX/XXXX : received a notice from the County of XXXX stating my property tax payment is overdue. I paid the pending balance due even though I have an escrow account with Nationstar/Mr Cooper. 

I subsequently contacted Nationstar/MrCooper to let them know that I paid directly because the county did not get my payment from them. Nationstar stated they sent the property tax payment of {$3500.00} on XX/XX/XXXX. 

As of XX/XX/XXXX there has been no payment in the amount of {$3500.00} from Nationstar/MrCooper ( or XXXX XXXX, which is the company who makes the payments on Nationstars behalf ). 

I have asked Nationstar to credit back the {$3500.00} they deducted from my account but they have yet to respond back to any of my inquiries.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Student loan

In XXXX of 2019 I was contacted by a company called Fed loan servicing to set up a loan forgiveness program which would reduce my balance from approximately $ XXXX {$16000.00} by making payments monthly that were automatically deducted from my check in the mail and the amount of $ XXXX monthly I was informed this was based on my income and I would have to recertify annually. For approximately six months this amount was deducted from my account and I thought nothing of it until it stopped withdrawn from my account. And became suspicious wants to stop withdrawing from my account and just recently checked my credit report only to find out then an additional {$49000.00} that has never existed in the 15 years since my student loan balance begin appeared do on my credit report as a separate line item from my original amount due which is valid of XXXX. When I called Fed loan servicing they informed me that this was a scam and that often scammers pose as the actual company and working with the department of education but are there to steal your money I am asking for your help to rectify this I am currently contacting XXXX the original provider of my student loan to get an actual statement of account to provide the valid representative from Fed loan servicing So they can indeed validate that my balance is only XXXX And not XXXX as indicated on my credit report. I do have a copy of my statement that was mailed to me showing the two separate balances one of which is completely invalid and have spoken to the one I believe is the valid company Fed loan servicing  they asked me to reach out to your company to correct this and file a complaint if someone could please get back to me to ask me what else you need from me I have just a little bit more information can also provide bank statements of the amounts being withdrawn the original number and name of the person I was given I was even provided a username and password and direct number to reach the company but since can not reach them.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern regarding what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to the accounts listed below : 1. Account # : XXXX 2. Account # : XXXX 3. Reference # : XXXX / XXXXXXXX XXXX XXXXXXXX Under 15 U.S.C. 1681 Section 602 A of the FCRA, I have the fundamental right to privacy, which has been compromised in this situation. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 of the FCRA clearly stipulates that a consumer reporting agency can not furnish an account without my explicit written instructions.

I have diligently attempted to address this issue by reaching out to credit reporting agencies, including XXXX, Equifax, XXXX, and XXXX XXXX. I have submitted multiple letters expressing my concerns, yet regrettably, I have received no meaningful response. Instead, I have been met with a frustrating cycle of vague explanations, such as " The accounts came back Verified '' or " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' To further illustrate my concerns, I have taken the liberty of highlighting discrepancies within my credit report and have attached copies of the letters I have previously sent for your reference. 

I sincerely request your urgent attention to this matter. My rights under the FCRA are of utmost importance to me, and I believe that addressing this issue promptly is essential to ensure the accuracy and integrity of my credit report. 

I kindly request that you investigate this matter thoroughly and provide a detailed response outlining the steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this concern. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Unifund CCR LLC bought this debt from XXXX XXXX XXXX  XXXX. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the XXXX XXXX XXXX  phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for XXXX, XXXX  and XXXX. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.
Product: Bank account or service

XXXX XXXX Account was overdrawn XXXX dollars. Ived had BofA for years and just last month they started to charge {$25.00} for it. Never told when it was going to be withdrawn. So when I had my mort gage payment set up for withdrawl it went overdrawn because of it ...
Product: Checking or savings account

Chase bank mistakingling i assume deposited my payroll checks from XXXX XXXX in the amount of XXXX and then my payroll checks in the amounts is over two hundred biweekly into my ex wives account instead if my correct account my ex wife has no financial association with me as i am now engaged and living with a new person these checks were able to escape my monitoring because i am so busy at work i can not always check my deposits but my fianc has brought this to my attention when i contacted chase they told me that i had to contact my ex and get tge money from her but i disagree she and i no longer speak nor would she give it back two three the bank is the one that made the mistake i was never listed a person on her account and should never had my funds taken I am tired of fighting with the bank i am now ready to take further measures this is not right
Product: Debt collection

ASG llc say my fiance owes a payday loan for XXXX. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.
Product: Credit reporting

i was asked questions to verify that it was me and none of the questions were even clos ei believe im a victim of identity theft, it wont let me view my credit report
Product: Checking or savings account

last thursday XX/XX/XXXX-2017 I made a deposit at the bank of america location in XXXX. I was informed that they were going to place a hold on the deposit. Well its been a week and now there saying its going to be 3 more days for a total of 9 days. This is really putting me in a bind. I am suppose to go out of town on business and I have no way to pay for my hotel because Bank of america wants to hold my depost. I have called bank of america customer service, i have went in to a location and spoke to a manager but so far they have been absoltey no help. I am incredibly frustrated with this bank. The company that wrote the check even said they could verify funds and bank of america customer service refused to let that happen. This has been one of the worst experiences I have ever had with any bank. One of their customer service reps even told me that i could go to an ATM and overdraft my account if i needed the funds.like what kind of company will do that. Bank of america deserves a very hefty fine over stuff like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Below are the listed items that need attention : XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 1 1/2 years no bank or credit union can pull my Equifax report, generally, when I call or attempt to dispute anything on my report it contains my wife 's name and or the creditors who try to pull it simply find a missing/blank report. 

Have been calling several times per week trying to resolve this, they claim nothing is wrong which I disagree as it 's impossible for every bank/creditor in the country to have the same issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported my account as being delinquent even though they we fully paid with no lapse. They got money from progressive on XX/XX/2023 then turned around in XXXX or whenever they did and reported to XXXX XXXX and TransUnion
Product: Checking or savings account

I interviewed and accepted a new job. A week later the company sends me two checks for training/work materials to get started. I physically take the two checks into a local chase bank, they accept the deposits and are approved. A few days later the funds become available, and the company instructs me to send the funds to suppliers to purchase the training/work materials. Days later I get a notification that the checks have been retuned and the accounts have been closed so my checking account is immediately overdrawn by {$6500.00}. Chase takes the little money I have in my checking and savings wiping out all my money with on help. I try contacting the company ( XXXX ) and they don't respond, come to find out I was a victim of job fraud, and this was no ordinary fraud this was highly skilled individuals using the companies material, doing this to people across the nation. Chase takes no liability in letting me use funds from these deposited checks, didn't notify with any concern or inform me to wait any amount of time after the funds became available. I now have no money, can't buy food or anything at all. I met with the local branch manager, and he can't believe this is how Chase treats there customers who are victims of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute letter was sent XX/XX/XXXX. My second letter was sent XX/XX/XXXX according to my mailing receipts. 

Bank of American continues to report negative inaccurate information to my credit report. 

After the first letter, BOA updated accounts to verified as accurate but ALL debts are paid off. BOA has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, BOA sent a letter stating BOA is attempting to collect a debt. 
Bank of America has not provided valid documentation of debts owed. 
This information is inaccurate. 
Bank of America is now in violation of the FCRA and continues to be in noncompliance.