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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

My name is XXXX XXXX. I have a XXXX XXXX that I had purchased brand new at XXXX XXXX in XXXX. I got approved for a hardship due to a fire I had and they granted me some extra months to pay for it so I was placed on a payment plan. I was never given the notice of a repossession simply because I was paying extra every month to get my notes caught up. My initial payment monthly was XXXX. I was paying about XXXX or so a month. It was difficult for me to catch up, but they was giving me an option to pay, which was good, I had a lot of problems with my vehicle and I tried many times to do a voluntary repossession so I can get me another vehicle. I was told that I had to put {$6000.00} down plus the XXXX. so I managed to get the {$6000.00} to get me a new vehicle they still did not put me in a vehicle. I call corporate. They did not fix the problem, another Worker from the company called me and said that it would be a {$4000.00} down payment and even with that I still was not able to voluntary return my car due to all the issues that it was having. But all of a sudden my vehicle got repossessed. I didnt know why simply because I even had a pending payment that was going through my bank that I just paid a few days prior. I did call them they said that my car was going to be {$1200.00} to get back. I said OK. I called them back the next day to pay the {$1200.00}. They told me it will be {$4000.00} because they was fixing the engine and the seats which I never agreed for them to do and I called back again to get my vehicle back and they told me that it would {$1900.00} but it was in a whole another state and out of reach. I was not given the option to get it back anymore time after that. They played a whole joke on me and gave me the runaround and now I am without a vehicle. They took my vehicle in XX/XX/year>. They did not give me the 10 day option to get it back and I only had a little over a year to finish my payments.
Product: Vehicle loan or lease

My car was declared a total loss and XXXX paid off most of the balance but left {$900.00} balance owing. I purchased GAP Insurance from this lender when I bought the car to cover in case something like this happened. They refused for 3 months to file the GAP claim and waited until {$2000.00} in fees and interest had accrued to file the claim. By this time they filed the claim only after I threatened to file a claim with the AZ Attorney General Office. The GAP coverage only covered the original balance and not all of the interest and penalties that has accrued. They immediately filed a claim in small claims court for the balance which I paid within 10 days. This company has poor business practices and are selling GAP policies that they have no intention of using and driving up interest and penalties to get more money out of their clients. They should not be allowed to do business and take advantage of people like this. They have now placed my account as a charge-off on my credit report and refuse to take it off. Please help me get this taken off.
Product: Mortgage

Taxes are est to be XXXX/year Insurance is est to be XXXX/year PMI est at XXXX/mo Total mo need XXXX Escrow holding is XXXX/mo Overcharge of XXXX. 

This overcharge is creating a financial hardship
Product: Debt collection

Indigo XXXX refused to acknowledge my claim for credit protection multiple times. There were several recorded conversations as well as written documentation where they agreed to approve the credit protection claim so that my payments can be covered. They repeatedly alleged that they continued to receive incomplete documents. This occurred throughout 2023.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding Equifaxs ongoing unfair and inaccurate handling of my credit report, which has caused significant harm to my financial standing and well-being. 

Despite my efforts to fulfill financial obligations, including settling accounts through agreed-upon payments and resolving disputes, Equifax has failed to accurately reflect these actions in my credit report and score. Specifically : Unfair Credit Score Impact : After paying off the account with XXXX XXXX XXXX, as documented in the attached materials, my FICO Score XXXX ( Equifax ) remained unchanged at XXXX. This is despite a significant reduction in outstanding debt. According to Fair Credit Reporting Act ( FCRA ) guidelines, credit scores must accurately reflect changes in credit behavior. Equifax 's failure to adjust my score accordingly is a violation of this principle. 

Incorrect Reporting of XXXX XXXX  Account : Equifax continues to report incorrect and derogatory information related to XXXX XXXX, despite the fact that this account was fully resolved with the company. XXXX XXXX confirmed that they closed the account, ceased all collection activities, and requested the removal of their tradeline from my credit report. Equifaxs failure to accurately update my credit file is a clear violation of FCRA regulations and has further damaged my creditworthiness. 

Violation of FCRA Requirements : Equifaxs failure to update my credit score and remove resolved accounts undermines its obligation under the FCRA to ensure the accuracy and fairness of credit reports. Descriptors such as Account Paid for Less than Full Balance and the continued presence of resolved accounts imply inaccuracies that misrepresent my financial standing. 

Harmful Misrepresentation : Equifaxs mishandling of my credit report has caused undue harm by misrepresenting my financial behavior, thereby affecting my ability to secure favorable terms for credit, insurance, and other essential financial services. 

Requested Actions : Immediate Correction : I demand an immediate correction to my credit score, reflecting the positive impact of my repayment and debt reduction. 
Removal of Incorrect XXXX XXXX Information : The inaccurate reporting of the resolved XXXX XXXX  account must be corrected, and the tradeline should be permanently removed from my credit report. 
Audit of Reporting Practices : Equifax must conduct an internal audit to identify and rectify any systemic issues that lead to such inaccuracies. 
Adherence to CFPB and FCRA Regulations : Ensure all actions comply with the Consumer Financial Protection Bureaus ( CFPB ) and Fair Credit Reporting Act ( FCRA ) standards. 
I have attached supporting documentation, including my credit report, payment proof, dispute results, and XXXX XXXX  confirmation of account resolution. I trust the CFPB to ensure Equifax upholds its legal and ethical responsibilities to protect consumers like myself from such unjust practices. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Money transfer, virtual currency, or money service

Unable to reach a live agent whenever I requested for an issue to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a series of erroneous, credit-damaging late fee payments reported by  XXXX  on an overdraft account dating back to    2015  -- that I did not know existed.      XXXX  has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my accou nt. ( See   XXXX  communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated by  XXXX  as a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
Product: Credit card

Each year, I receive my Costco rewards certificate via email. For year XXXX, issued in XX/XX/XXXX, I have no email record of this certificate. The certificate expired XX/XX/XXXX. ( Today is XX/XX/XXXX. ) I explained this to Citi and Costco, telling them that 1. I could not locate my certificate email, and 2. That the only reason I had not gone shopping was my wife was in the hospital at years end. Citi said, Talk to Costco. Costco said, Talk to Citi. Citi said, Just show your old email to Costco and theyll make it good. Costco said, We need the original email certificate to make it good. I said, Ok, but I never received the original email certificate. Costco said, Ok, tell Citi to re-issue the certificate. I go back to Citi for a third time, go through the story, they say, Sorry, we cant re-issue expired certificates. I say, I understand, but I never got the original one, and I couldnt use it by XX/XX/XXXX because my wife was in the hospital. Citi said, Sorry. We dont re-issue expired certificates. 
What I am asking the CFPB for is : is there any help / remedy for me, a faithful customer, to make good on my hard-earned {$180.00} rewards from a multi-billion dollar company? 
If this gets published, my advice is to use credit card rewards that DO NOT EXPIRE.
Product: Checking or savings account

I'm a college student. I was recruited by a professor to participate in a paid research study. My first assignment was to order supplies for research they were conducting. They provided me with a check for the supplies. Something did not feel right and I tried to get out of this research study. I was then threatened by this Professor that I must do what they are saying or that my college record would be affected. Under duress, I sent {$2000.00} to email XXXX on XX/XX/XXXX via XXXX on the Bank of America XXXX. The confirmation number is XXXX 

After I did this, I realized it was not a real Professor and I was not buying supplies. On the XXXX contacted the bank and tried to get the transaction reversed, but it apparently failed. A day later, I did not see any activity on my account regarding this and then phoned Bank of America on the XXXX. The man I spoke with created case number XXXX and claimed it would be easy to retrieve my funds from this fraudster and that it would take less than 10 days to do so. He also claimed I would see a provisional credit posted on my account while this is ongoing. I did not see that appear. On XX/XX/XXXX, I phoned Bank of America again to verify the case number I was provided and the women confirmed it existed, and XXXX told me that it was a 50 % chance of returning my funds and that it would take 45 days. 

This is a transaction made in error under Regulation E and I'd like to retrieve my funds. The bank does not appear to be helpful for me. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/2022 2022
Product: Payday loan, title loan, or personal loan

I applied for a personal loan using Their online process. After many underwriting issues that hours and days of back and forth, I decided to take my rental income off the property. I was asked to re-apply for the same loan minus my rental income because they had a technical glitch after I called a fourth time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my credit file that was unathorized and I would like them removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

I sent my payment to MACY 's via online banking on XXXX XXXX. It was for payment in full. The payment was miss applied to another account, that not only was delinquent, was " charged off '' due to a bankruptcy! I 've asked it to be corrected. Macy 's admits they have my funds, YET they want me to FAX them a copy of my bank statement.
Product: Debt collection

This debt was initiated by XXXX XXXX XXXX and was placed on my credit report with first notification when I responded and ask them to verify the death and all details connected to the debt they did not respond in XXXX and discharged the death off my credit report. Through monitoring continually my credit i realize the same debt reappear after XXXX under Debt Recovery Solutions LLC. At this time they began to call and hang up several calls per day and only when I call back would they communicate in return. I had one phone conversation where I asked them to put me on a do not call list and send something by mail. This is when I got the full name which they do not disclose in calls so I could respond by mail per FDCPA laws. On XX/XX/XXXX they were sent a letter by mail ( which is included in attachments ) stating the violation of FDCPA for failing to communicate with me before placing a debt on my credit report and I ask them to validate the debt with an itemized summary and Texas surety bond #. In Texas no debt collection agency can call or send anything by mail with out XXXXne. They never responded with all information and deleted the debt off my credit report. I contacted all 3 major credit bureaus by stating I was cleaning up my credit and monitoring it when this creditor Debt Recovery Solutions LLC placed it on my credit report illegally. For XXXX I heard nothing of said debt now Debt Recovery Solutions LLC has started calling and hanging up several times a week again. If they do respond they do not give their name just attempt to fish for information asking me to confirm things. When I refuse to confirm they hang up or persist with questions. I have told them I only communicate in writing place me on a Do Not Call List. I also received a letter about the debt where collection figure has now been inflated to appear as new debt. In the state of Texas Creditors can only contact a potential debtor for XXXX from the original creation which was XX/XX/XXXX. By FDCPA if a Creditors fail to provide validation of debt within XXXX of written notice debt shall be removed indefinitely. Because the debt was placed on my credit report illegal initially and removed for XXXX and is now trying to be reactivated as a new debt i am filing this complaint. As I stated in the letter XXXX ago when I wrote unto them I will pursue legal actions this time. Next I will also file with my state attorney general concerning this now " Zombie Debt. ''
Product: Credit card

I am getting a service charged for an account maintenance fee of {$5.00} every month. I don't see them doing anything special to be charging this fee. It's the same as other companies and oother credit card companies are not charging me an account maintenance fee. This company is already charging a XXXX XXXX interest on my balance. I feel this is a rip off
Product: Credit reporting or other personal consumer reports

I am a victim of fraud identity theft. I have filed a police report with local authorities. XXXXXXXX XXXX XXXX XXXX XXXX  has said I have opened an account XX/XX/2018 and charges made of XXXX. I have sent my police report to all three credit bureau and XXXX  card twice now disputing these charges. The company discover card is not helping me resolve these issues. I have hardly any information about this account. Where was the bill going all this time and years? Why am I just now seeing this bill at my house? The XXXX XXXX XXXX has been contacting me about the crime thats been committed against me. This is not my debt and I have never had a dicover card ever in my life and my credit has been great for XXXX plus years!
Product: Checking or savings account

On Friday XX/XX/XXXXan electronic wire transfer was fraudulently made from my XXXX bank account. When I went to the bank the same day the fraud was committed XXXX 's wire department contacted the receiving bank. Bank of America. I was told at that time the funds were frozen and would not be released. On XX/XX/XXXX I was notified by XXXX that Bank of America responded to them on XX/XX/XXXX that they were not able to recover the funds and therefor they could not be returned. If the funds were frozen the same day as the fraudulent act then why were they not able to recover the funds.
Product: Checking or savings account

I had multiple amounts come off my card. Not authorized. XXXX  days I had XXXX $ withdrawn and I wasnt the one who made the withdraws
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Our Chase Amazon XXXX credit card was charged multiple times at XXXX XXXX for what was determined to be gift cards in the amounts of {$100.00} and {$150.00}. Credit card company doesnt believe us that we didnt make these purchases. Sheriff dept in the county where we live even did an investigation where it was proven through video surveillance cameras that we didnt make these charges. They were fraudulent charges. The sheriff even sent his investigative report to the credit card company. He has also spoken with the fraud department within Chase card services to explain that these were fraudulent charges on our account. They still dont believe us that the charges are fraudulent. Weve contacted our attorney now, and shes sent us to this website to try to get some help. The dates and charges are as follows XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

XXXX On XX/XX/year> the company XXXX XXXX XXXX Inquiry my credit without my consent. 

XXXX On XX/XX/year> the XXXX XXXX XXXXXXXX Inquiry my credit without my consent.
Product: Credit card or prepaid card

I made payments to carecredit and it was misapplied to someone els account after an investigation the money was then applied to my account but they never took off late payments or the interest charges for those payments the company then proceeded to send this to collection and put it on my credit report when I asked for them to look into this issue I received a letter attached a statement for someone els XXXX XXXX account. 
I want this all fixed and they shouldn't send me other peoples account statements that's a violation of the law
Product: Credit card

On XX/XX/ XXXX XXXX  I applied for Bank of America Travel rewards credit card. Bank needed more verification so I called them XX/XX/XXXX. Application reference number is XXXX. They could not verify my Identity over the phone and advised to go to the bank. Right now I can not physically go to the bank. I have XXXX and remote work. I need to verify my ID by email link.