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

I received notification from Equifax that there was a security breach and that my information - including my social security number, date of birth, and contact info was potentially exposed. Equifax has been completely unresponsive in helping me deal with this matter. Here are the steps I have tried to take to find out more information : 1 ) they stated they would enroll me in TrustedID product to monitor my credit to see if there are any breaches ; the problem is that the enrollment email they sent indicates that I am already enrolled ( i have not ) and provides a dead link / a website that does n't load. 

2 ) I have tried contact the Equifax call center to resolve this and they have no one who can assist me. After a long period of time waiting for a response, I was provided another number that I can not seem to get ahold of someone who can help me ( I have been put on hold with no response for a week now ). 

Equifax is completely unresponsive to me at this time ; they have not been able to provide any information about the security breach, how I am actually affected, or even provide the security service they said they would in order to make sure I am not further victimized. I have had no luck in working with them - they are completely unresponsive in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # has violated my rights. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 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.
Product: Checking or savings account

I have two checking accounts with Bank of America : XXXX that's XXXX years old and another about XXXX XXXX XXXX, that I opened with my then-wife. We recently divorced so we wanted to close the old account. 

On Monday XX/XX/XXXX I call in bank of America and ask if it's possible to close the former over the phone, and they say yes no problem. I transfer the little bit of money from the account count I want to delete to my personal account, as instructed, and the rep assures me that the right account will be deleted. 

A couple hours later I find out the rep closed my personal account. The one I wanted to keep. I call in again and they apologize and tell me that this will get fixed by the next morning. 

The next morning comes and of course they didn't fix the problem. So I call in again and it's now been about XXXX hours on the phone over the past 24 hours with the bank. They route me from department to department until finally I get a hold of someone who restores my checking account and associated debit card. This was yesterday, XX/XX/XXXX. 

Today I try to buy some food and and guess what happened. These people closed my debit card, and when I check my app is says it was reported lost or stolen ( which is untrue ). I spend ANOTHER hour on the phone trying to fix this, and finally the rep says she has to create an entirely new debit card ( not just a card replacement ) to send to me in order to fix this while situation. 

However the rep didn't do her job properly and there's no temporary card on my app like she said there would be. 

Every step of the way they have screwed up. I have never experienced such a prolonged series of acts of incompetence from a bank before. 

I don't want to spend another hour on the phone with them tomorrow to fix their massive mistakes.
Product: Debt collection

Receivables Management Corporation XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Fax : XXXX My initial contact with this company is dated Saturday, XXXX XX/XX/XXXX asking them to validate with competent evidence bearing my signature that I had any obligation to pay them. They never produced the evidence. 

They continue to report to XXXX a derogatory mark on my credit report. 

I decided to pay the {$60.00} to XXXX XXXX XXXX XXXX XXXX since these people refused to stop reporting it as a derogatory account. That was paid on XXXX XX/XX/XXXX. 

They continue to report the account as derogatory After having a conversation with the collections person, they asked me to send the information from the account in question ( XXXX XXXX XXXX XXXX ) documenting that the debt had been paid. I did that after having been treated as a common criminal over the phone and talked to in an unprofessional manner. 

A consumer should never have to experience this type of treatment especially when the collection agency is in violation of the law ( Fair Debt Collection Act ).
Product: Credit card

I made a purchase from XXXX on XX/XX/XXXX, package delivered on XX/XX/XXXX while I was away. That along with a second package was stolen from the mail area. Disputed with Amex XX/XX/XXXX, which was rejected. Dispute was resubmitted and denied again XX/XX/XXXX. Retailer will not provide refund and redirected me to XXXX to file claim and an error message keeps appearing instead.
Product: Credit reporting

I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I called TransUnion to get my credit report on XX/XX/year>. And after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b, I also attached my credit report and letter showing that TransUnion is in violation of the FCRA.
Product: Checking or savings account

On XX/XX/2018, Wells Fargo Bank shut down my account along with any and all access to it without notifying me. When I went into the bank for clarification of this, I was told that " Wells Fargo has made a business decision to part ways with you because your account is considered a security risk due to too many claims ''. No correspondence was made prior to this, besides what I have attached from the messaging service they have on their website which states the account was being terminated. They also activated my debit card seen on the letter provided without my permission after they has already closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting

Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed XXXX accounts with them XXXX XXXX XXXX, XXXX & XXXX. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming they had verified all the accounts. So on XXXX XXXX, 2016 I sent a second letter requesting further investigation & requested they provide me with the proper documentation they received from the companies who were furnishing Experian with verification. On XXXX XXXX, 2016 I received a letter claiming they 'd already disputed the accounts & I need to contact the data furnisher. So on XXXX XXXX, 2016 I sent Experian another letter requesting the method of verification used in their first dispute and followed it up with letters to the data furnishers. I sent the letter Certified to make sure it arrived on time. Tracking # XXXX. It has now been well more than 30 days since Experian received the letter & XXXX XXXX XXXX, XXXX & XXXX have received theirs, and I have not received one letter from Experian, XXXX XXXX XXXX, XXXX nor XXXX. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question, however none of them have provided any verifiable proof these accounts belong to me. SO I 'm challenging Experian on all their investigative merits. They claim these accounts have been verified. If so, then I have a few questions ... How does an account with no address identifier get verified? This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. If this matter is not handled with the shiftiest & most accurate methods of verification I will be seeking a legal remedy. In addition I would love to see a signed contract which substantiates the validity of these accounts. Without one, then there is no contract & Experian nor the data furnisher have the right to report it. Please remove it at once. 
One last thing - Experian is still reporting inaccurate information in regards to my name. They claim they ca n't remove XXXX XXXX. This is not my name & unsure why they 're unable to remove it. That alone is another reason why I 've become irritated with their games & seek a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX 2024 I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of these creditors.
Product: Mortgage

We applied and were approved for a construction loan in  XX/XX/XXXX . We owned the land outright and so the loan was for the construction of the home only. Our lender,  CBM  Mortgage, recommended  XXXX   XXXX  to do the construction as they had recently done work with them. After speaking with the owner,  XXXX   XXXX , we entered into a building contract with him.  <P/> Construction on the home began in  XX/XX/XXXX . Throughout the process, the builder had issues making important dates and there were many problems. However, it became apparent that CBM Mortgage had given the builder draws that were not equal to the amount of work that had been done. No one with CBM has been able to explain the draw process - were appraisals done and if so, where are they? Were invoices submitted to justify payment?  <P/> There were many calls back and forth to both the builder and the mortgage company and we were assured everything was being done properly. Fast forward to  XX/XX/XXXX , and we receive a call from the owner,  XXXX   XXXX . He said all his assets have been seized by the IRS and he can not complete the home. A representative from  CBM  assured us that they will continue to work with us if/when we find another builder to complete the loan and if we need more money, they will make an exception to help complete the job. We began negotiating with some of the unpaid sub contractors ( the excavator ), but in that process, it becomes apparent there are several mechanic 's liens against the property ( over {$50000.00} ). CBM back tracked on their statement and said that until the mechanics liens have been paid, they are unwilling to fund anymore of the construction.  <P/> We believe that CBM Mortgage and   XXXX   XXXX   have ( or had  )  an undisclosed business relationship. We believe the owner of CBM Mortgage has loaned  XXXX   XXXX  money when times were lean and that he knew  XXXX  did not have a strong financial position. If  CBM  Mortgage was working in our best interests, they should have disclosed any and all information they had to make sure we could have made an educated decision. We also believe that  XXXX   XXXX  may still be in business as his trucks have been seen in the CBM Mortgage parking lot.  <P/> We are not sure your bureau is the correct department to handle this, but we certainly believe the lending process was not following as it should have been. Representatives from CBM Mortgage have been rude and unwilling to help. Now we face losing our land and future home.
Product: Credit reporting

I have sent Equifax numerous correspondence in regards to my credit file being inaccurate. I am a victim of identify, and filed a police report and filed an identify theft report, and provided all of this information to Equifax. I have called over 3 times, and faxed my paperwork to them over 4 times. XXXX and XXXX have made the corrections, but, it has been 3 months and Equifax still responds that the information was verified. How can it be verified if it not mine???
Product: Debt collection

I received a phone call from IQ Data International at around XXXX XXXX on XX/XX/2019. I mentioned during the call I had not received an updated invoice for the amounts owed and that I wanted to see in writing an updated itemization because we had moved out. I informed the operator ( a female ) that I would promptly follow up upon receipt of the updated invoice. I even read to her correspondence from the original creditor where I specifically asked for an updated invoice but did not receive it. I explained I wanted to pay the correct amounts due. 

Nonetheless, the operator refused to send the updated invoice. She would only send it if I provided payment information. I told her I wanted to see the bill first to confirm it is accurate. During the course of the call, she began raising her voice. Not only that, but she made statements like " you're not going to pay '' and " we deal with people like you all the time. '' On the recorded line, I requested that all communication moving forward be made by written correspondence. I also informed the caller I was at work. She disregarded my requests and was shouting over me. 

There was no reason for hostility and my request was reasonable. The caller was unnecessarily rude, attacked me personally and was unwilling to heed my requests as required by law. I insisted I wanted to actually see a written invoice and that I would be in contact thereafter. The caller threatened she would, following the call, report me to the credit agency. At some point, I informed the caller that her company was subject to the Fair Debt Collection Act, yet she persisted with her aggressive and loud communication and her threats.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern ; This letter is a formal complaint that you are infringing my rights under the Fair Credit Reporting Act. My distress is profound, stemming from your inclusion of the subsequent details in my credit report. Your oversight in instituting judicious mechanisms to uphold the pinnacle of accuracy in the credit narratives you disseminate is glaringly evident. Such lapses infringe upon a plethora of my rights, rendering you susceptible to civil liabilities. 

According to the Fair Credit Reporting Act, you are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. You have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. Please understand that you are civilly liable.
Product: Mortgage

We purchased our home on XX/XX/XXXX. We made regular mortgage payments of {$1500.00} for 15 months. In XXXX of XXXX, I lost my job due to Covid19 economic issues. I found another job in XXXX of XXXX but lost that job to Covid19 as of XX/XX/XXXX. I received Unemployment Compensation with the additional federal allotment, so my wife and I continued to make mortgage payments through XXXX of XXXX. In XXXX of XXXX, our mortgage company, XXXX, sold the mortgage to Flagstar Bank. Due to our situation and when Unemployment Compensation ran out, we entered Forbearance with Flagstar in XXXX of XXXX. 
In XXXX of XXXX we were offered a VA XXXX XXXX by Flagstar. The payment was increased from {$1500.00} to {$1700.00}. We initially declined the offer since the payment was increased by almost {$200.00} per month. This was going to be difficult as I paid for schooling to become a XXXX XXXX  XXXX XXXX XXXX and my income was half of what it was prior to Covid19. 
After further discussions with Flagstar via phone, we were offered a Trial Plan Agreement. We did receive an email with the agreement details, we signed it and sent it back to Flagstar, but never received a signed copy back even though we called several times requesting the documents. The payment was {$1700.00} and payments had to be made via phone and direct ACH from our checking account. We did this for four months in XXXX, XXXX, XXXX, XXXX and XXXX. However, in XXXX of XXXX, Flagstar informed us that we were not on any Trial Agreement and that our payments were merely going to our outstanding forbearance balance. This was shocking to us! We were told that our only option was to submit a Loss Mitigation Application, which we did, and we suspended the trial payments in XX/XX/XXXX, and XX/XX/XXXX. 
Now Flagstar is denying our application for the following reasons : 1 ) Our property was not impacted by a federally declared disaster false, since President Trump declared a nationwide emergency pursuant to Section 501 ( b ) of the XXXX XXXX. 2 ) Flagstar claims we did not make 12 consecutive mortgage payments false, as described above, we made 15 payments, plus the four trial payments.

Every time I have called Flagstar to discuss our situation, I have been given a different story. First we qualify for a Trial Mortgage Plan, then we dont. Copies of requested documents are never provided by Flagstar. Flagstar repeatedly denied things over the phone and changed offers on multiple occasions. There has been no plan to help a veteran, but rather the bank seems to just be trying to recoup the money from our time on forbearance. 
Now Flagstar says that unless we bring the mortgage current by giving them {$21000.00}, then they will move forward with foreclosure. We are appealing the decision to deny the loss mitigation
Product: Money transfer, virtual currency, or money service

I paid for a XXXX service threw XXXX once the customer recieved the money i was. Blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/2020 a XXXX payment was debited from my checking account for a total amount of {$150.00} ID # XXXX. The payment was returned and a fee of {$35.00} was charged for the return of posted check fee based on my online banking. A few days later on XX/XX/2020 the same payment was retried. The charge shows as " Retry Pymnt '' and uses the same ID # for the payment " XXXX '' and another NSF fee of {$35.00} was charged. I was charged for more than one NSF fee charged to a single transaction that was processed more than once.

I feel that this is bad practice, and does not fall within the rules of the bank that an NSF fee can only be charged " per item ''. In my case i was charged more than one NSF for the same item. Please see attachment. 

My bank digged me into a deeper financial hole by attempting to retry the payment and theres not enough money in my account, instigating the bank to reject the charge. When I tried to make a complaint with the bank I was advised that there was no charge that i could dispute even though the service agreements lacks this practice.
Product: Credit reporting

Within XXXX minutes of giving my credit card number to the customer service person with Equifax experienced problems with the site, Equifax Premium Credit Monitoring. Information was wrong as I had just spoken with all XXXX credit bureaus. Also, I could not change my password, and my computer does not support this site. I immediately requested to cancel and get an immediate refund. I was deceived. The cancellation took place but was not told until after an hour on the phone that I could not secure a refund of {$19.00} even though the service did not work for me. The employee kept me on hold for 45 minutes listening to music. No one ever came to the phone. This is a rip off. Information is wrong and the site is difficult to work. Horrible. That is why within 10 minutes, I kept the person on the line as I signed on to the site, I was requesting my money back. The complaint if file no. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from XXXX that show account was paid before the due date. This is not the first time XXXX has falsely reported information to the credit bureaus
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.