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

In a recent dispute, the results came back verified. 

1. I cant imagine what legal precedence you have that would allow you to report [ Ref # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX XXXX or XXXX XXXX XXXX ] is, I need you to send it to me. 

Thanking you in advance.
Product: Credit card or prepaid card

On XX/XX/2017 I was shopping for a wedding ring with XXXX XXXX ( Location : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). I found a ring that I liked and there was a special running through the end of the week. The clerk suggested that I put the ring on " Hold '' using my already existing XXXX XXXX credit card but that he would only be able to hold it through the end of the week. 

On XX/XX/2017 the XXXX XXXX store clerk called me to ask if I had decided yet, I told him at this time that I had changed my mind and would not be buying the {$7000.00} ring. He told me " Not a problem, I will remove the hold on your card and put the ring back in the case ''. 

Over the last 9 months I have been arguing and deputing with XXXX XXXX who are convinced I now owe them {$250.00} including late fees and finance fees. This has had a negatively impact on my credit score, caused me much stress, and wasted considerable amounts of my time. 

Both of the " investigations '' by XXXX XXXX came back indicating that a Gift Card was purchased for {$100.00} on XX/XX/2017 and that my depute was invalid. I have never received a gift card and have never bought any merchandise from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

CFPB closed my original complaint but Equifax did NOT solve the problem. I still cant login to my account. 

XXXX XXXX XXXX XXXX  CFPB complaint : Im locked out of the myequifaxXXXX  online account. All attempts to login and/or reset password end up with same error msg " we are temporarily unable to complete this request ''. I've talked with four agents. All follow the same steps and end by saying it will be escalated and I will be contacted within a week. I have not received and follow up or fix. I see other people complain about same issue online. It's possible that it started because equifax had my old address. But that was updated by the first agent that worked with me. It did not help. I first called equifax on XXXXXX/XX/year>. I have called five times including today, XXXX 

XXXX XXXX XXXX  Company 's Response according to notification from CFPB : Dear XXXX XXXX, In reviewing your MyEquifax account, it was discovered that your registration was incomplete. Please attempt to register again at MyEquifaxXXXX. You will be able to access your MyEquifax account after registration is completed. If you experience any issues, please contact our consumer care department at XXXX between XXXXXXXX XXXX XXXX XXXX, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team XXXX XXXX  Ive already informed Equifax that when I try to register again at MyEquifaxXXXX that I get the error You have an existing account. The companys suggestion was useless. 

Here are the final two communications between Equifax and me. 

XXXX XXXX XXXXXX/XX/year> Equifax : Dear XXXX XXXX, I've sent you the account recovery link from the system. Please ensure that you are not using a private window, no vpn, and that your cache and cookies, along with browsing history is deleted. Should you still receive an issue a ticket has been put in to further investigate the issue. 
Respectfully, Equifax Executive Consumer Services ref XXXX XXXX XXXX XXXX ref XXXX XXXX XXXX  My Reply : I'm not using a private window or vpn. I cleared my cache and cookies, along with browsing history. I get the same error on my desktop PC as well as on my phone. I had your staff try it and THEY got the same error. 
Any suggestions? 

XXXX XXXX There was no further reply from Equifax. So far they've only supplied the same boilerplate strategies that I get when I call them at XXXX for months. I don't think they've made any attempt to get a higher level of tech assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report continues to display inaccurate address and telephone number combined with inaccurate non-verified collections.
Product: Mortgage

We had a water damage claim in our house. We were issued a water damage loss check from XXXX our Insurance company. The check was supposed to be endorsed by the mortgage company only. The first time I called they insisted due to the large check amount that we had to get a certified contractor to complete all of our house work. The people had already been working in our house for about 1 week and half and they did not have a contractor license. I explained this to person I spoke to the first time and they stated that I just had to write a letter of consent stating that i take full responsibility for the repairs. I faxed the papers in and they had not approved or sent any of my faxes through for a whole week and then when i called back they stated that I had to still fax the contractor license before they would send the check back endorsed. I have been going back and forth with several different personnel for almost a week and half. I last spoke with XXXX XXXX XXXX and she stated that she needed to request someone from the mortgage company to take a look and then he will send a report back to XXXX and then they will only send half of the amount of the check back to us. I called again today on the XXXX and the request had still not even been put through for the representative to come through. The workers are going to be done with the house work on Saturday on XXXX XXXX, 2016, and I still do n't have the means to pay them because of the mortgage company lack of communication and the incompetence of the company itself. I am thoroughly unimpressed, disgusted and disappointed that I 've had to go through so many hoops just to get a check endorsed for a project in my house. The customer service was non existent and was made to placed on hold for XXXX min each call and was hung up on XXXX different occasions.
Product: Other financial service

Experian sent a letter stating someone had tried to change my name, ss#, or address.  Because I had a security freeze on my credit they were required to inform me in writing within 30 days.  Then referred me to their website to view my credit report for a $XXXX charge.  I did receive the report with no changes made and now they are charging me an additional $XXXX  This is very deceiving in what they try to sell on their website through a scare tactic of someone trying to break the security freeze.  They will not tell you who or which creditor has tried to make a change so they are just ripping everyone off by using this scare tactic and charging the $XXXX every time they send one of these letters out.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt not owed by me and has not verified any information regarding this dept. They are also illegally trying to collect a debt from me because they are not legally licensed in the state of Texas as a Debt Collection Agency. This is against the law per section 392. 101 of the Texas Finance Code. They have submitted false information about me to the credit reporting agency and it should be  removed immediately.
Product: Debt collection

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$1100.00} with LVNV FUNDING LLC I did not sign a contract with LVNV FUNDING LLC and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : LVNV FUNDING LLC Date of entry : XX/XX/year> Reason for Dispute : XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( XXXX ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. LVNV FUNDING LLC has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( XXXX ) ( A ). LVNV FUNDING LLC is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section XXXX of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Mortgage

on or around XX/XX/2018 I received an offer for reamortization. In the offer it stated my new payment would be {$1000.00} a month, which included principal, interest, taxes/insurance. {$710.00} P & I and {$340.00} taxes and insurance. I was instructed to mail along with notarize affidavit. But instead they took my check and put me into default. The payment is in " escrow '' with a statement of default date XX/XX/2018. The XXXX bill which was paid before this agreement was for {$1100.00}. where the interest had already increased to 3.50 % Now there saying the payment is {$1100.00} with principal only XXXX, interest {$490.00} and XXXX tax and insurance?? they claim it went up in XXXX? yet they sent this agreement written on XX/XX/XXXX. which is when interest went to 3.50 % the interest went from XXXX in XXXX went to XXXX in XXXX.. 
It appears the amount towards my principal keeps going down but the amount of interest going up. In XXXX my principal being paid was XXXX being paid, now its XXXX???? so theres is no savings. They received and extra XXXX or so in the last 6 years from my Hamp modification. So I noticed I forgot to add XXXX cents to my payment submitted with agreement. Yet it was approved but with a different amount due? the XXXX statement showed XXXX for Escrow but the agreement stated XXXX, They made a mistake but now have me in default through no fault of mine. Instead of modifying the reamortization, they put my payment in suspense and sent my a late fee and past due amount of the full {$1100.00}. in reality my principal payment went down XXXX dollars so where is the savings? it went down about XXXX dollars. So there is no savings they just lowered the amount of my principal payment so this made no sense. I m just paying less principal. With the extra XXXX I would think the interest would have gone down. The new payment should have been, {$1100.00}, with the new so called saving of {$1100.00} but there is not savings, I'm just paying less towards my principal. Makes no sense. I call to have them apply my payment but there reluctant to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //wwwXXXX.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX OF MO XXXX XXXX : {$470.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX Balance : {$500.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

Company did not complete a thorough investigation even though I filed FTC complaint and a complaint with you. They only took 2 weeks to complete my investigation which I know isnt accurate given the nature of documents I submitted. I did not have none of the items removed from my credit.
Product: Debt collection

COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009
Product: Credit reporting or other personal consumer reports

My mortgage was paid in full on XX/XX/year>. Delinquent account information was falsely reported to various credit reporting agencies on XX/XX/XXXX XXXX XX/XX/year>. This in turn reduced my credit score by almost 90 points after having an exceptional credit score for several years with not one payment late. Contacted reporting agency and the bank who reported it [ wellsfargo ] for various recorded phone calls stating that my credit report would not be affected as long as the loan forbearance was caught up or paid in full by XX/XX/year>. I was informed the recorded phone calls would be reviewed and corrected pending information recorded during several phone calls prior to confirming the loan forbearance. The only reason the forbearance was accepted is because I was repeatedly promised that my credit would not be affected by the terms laid out in which were followed 100 %. Proof of account standing in XX/XX/year> that shows up to date is available. Please help in this ridiculous false claims made by the lender wellsfargo. I was also promised during a recorded phone call that my loan would never be sold. 2 months Into my mortgage wellsfargo sold my assets to fanie may without any type of communication at all.
Product: Checking or savings account

My Capital One account was closed in XX/XX/ and since then I have not received the money I had in the account. I have called Capital One many times and no one can help me. The call is always transferred to another person and the phone is disconnected without solving my problem. I don't speak XXXX very well and the company does not provide XXXX  speakers to help. This bank was not good to me from the beginning. I do not recommend the service and I feel harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove 30 Day delinquency due to bank error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized items removed.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX - Date : XX/XX/XXXX - Amount : {$25000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$99.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$230.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX
Product: Debt collection

I had a military star credit card with AAFES while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with AAFES comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the AAFES. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the XXXX XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.
Product: Bank account or service

Hello, I opened a small business checking account at my local Bank of America branch XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) on XXXX XXXX, XX/XX/XXXX The process seemed to go well and I had all the documents requested. Once the account was opened, I deposited a check made to my business and drawn on my client 's Bank of America account. It was because the check was drawn on my client 's Bank of America account that I opened my business account there in the first place, to ensure smooth processing and funds availability. 

The next day XXXX XXXX XXXX, the funds appeared in the morning and I was able to make a few transactions. Without being notified, in the afternoon that stopped being the case and I was n't able to use online banking to see the account. I called and was told by the Risk department the account was being closed ( but not given any reason for the closing or any way to rectify the situation ). Simply that BoA was electing per the terms and conditions to close the account. I was told by the Risk dept. rep that I should go to the branch to withdraw the funds, otherwise a check would be mailed from BoA to my business once the account was closed. But without a business account or the ability to open XXXX, I would n't be able to personally cash the check - essentially making the funds completely unavailable to me in any real form. 

So I go to the branch immediately and wait for hours. They eventually call what they call 'One Call ' and are told the funds wo n't be available until the next day ( XXXX ). Because I was told something completely different, I call the customer Risk dept. again, this time together with the Personal Banker at the branch at her desk. We are told again the funds are in fact available and they should be able to release them. But the branch does not. 

The branch manager comes by because it is taking so long and rudely takes over the call. She does n't allow me to hear the process any further, despite everyone clearly telling us the funds should be available for withdrawal. She disappears into her office for about an hour and reappears only to say there is nothing she can do. She is rude, unsympathetic, and offers no real resolution or reason. 

She instructs me to call the same Risk dept. again today ( XXXX ) and that the funds should then be free for the branch to release. Even though that same department had been telling me they were already released and free to release. 

So I call them today ( XXXX ) and am told it wo n't be until the XXXX that the funds are released. The Risk dept. rep is n't able to tell me if the account will remain active through the week it will take to verify and release the funds and that if the account becomes inactive, even after verified, the funds wo n't be available for withdrawal. 

It is absurd that they 've essentially stolen {$13000.00} from me in their tangle of broken processes and miscommunication.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD 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 XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted capital one auto finance and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me