23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed certain information on my credit report with Equifax - apparently filing these disputes with people who are in customer services positions overseas ... Either they could not understand what I was saying or they were not listening. At any rate after a month of working with Equifax I had a bigger mess on my record than prior. Shortly after that I had a horrible accident and have been ill since that date only now am I able to redirect my attention to address theses issues : The following were all listed on my Chapter XXXX Bankruptcy ( filed XXXX ) - were discharged as debts and should not show on my credit report. Court says I no longer owe these bills - therefore they do not exist - all were listed on the bankruptcy. 
1st issue - XXXX XXXX XXXX for XXXX XXXX assigned XXXX for {$36.00} - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report.Should be deleted. 
2nd issue - XXXX - ( XXXX ) assigned on XXXX - removed this information when they received the dismissal by the Bankruptcy Court - in speaking with the person overseas whom I could not understand I was asking if this had been removed and they said it was no longer listed on my report. Without my asking and without my knowledge this person disputed this bill thereby requiring a respoce from XXXX XXXX - thus what had been dropped from my credit report now shows again - thanks to the incompetency of the Equifax employee. 
3rd Issue - Merchants XXXX of XXXX - date assigned XXXX ( incurred XXXX - XXXX XXXX ) - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted. 
4th issue - Judgement dated filed XXXX - XXXX XXXX - case # XXXX - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted.
Product: Student loan

Withheld information from me. Shared my information with unauthorized users. The list goes on and ON!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing one of my credit card accounts as closed when it is in fact open and has been since 1979. I sent in a dispute via XXXX XXXX in XXXX of this year. In XXXX I received notification that I was indeed correct, the account is still open and that they would correct the information on my credit report. On XX/XX/XXXX, my account had not yet been corrected so I filed another dispute. I became inpatient after a couple of weeks and called Transunion. The result of that conversation was that they do show the account as open so the problem must lie with XXXX XXXX. My attempt to get XXXX XXXX to call me or provide me with a number to call them fell flat .... they do not provide that kind of customer service ... one must deal with them via email. In the mean time, I called my credit card company ( XXXX ) and spoke with someone there to check and make sure that they had not closed my account and " forgotten '' to tell me. Well, of course they had not, and the young man even checked my credit reports for me .... NOT via XXXX XXXX. Apparently all 3 credit bureaus show this credit card as closed! I am currently making plans to purchase a new home and am pretty anxious to have this corrected immediately, but keep running into brick walls. It is deplorable that these credit bureaus can have such power over us and we have no recourse. I hope you can help rectify this .... quickly.
Product: Credit reporting or other personal consumer reports

these accounts fraudulent remove at once I also contacted the bankruptcy court XXXX and XXXX XXXX they both told me they didn't report any bankruptcies to equifax
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed student loans via FAFSA. While meeting with my financial adviser we went through all the steps necessary to receive federal student aid for my education at that school. This was back in XX/XX/XXXX, it was n't until XX/XX/XXXX that I was contacted by Tution Options to process a payment of {$230.00} to help pay off my student loan. At that time she also mentioned that I should go on a payment plan of about {$50.00} a month. According to XXXX XXXX, the account manager at the time. This monthly payment was to help keep my loan paid and in good standing and for a while I believed it. I even got a letter in the mail saying that my loan has been paid. What luck! Finally, free from the burden of being in debt! Excellent! Time to get my life moving forward again. It was n't until i got an email from XXXX saying that I required to make a payment. What is this? How can I possibly have a balance on my account, I just received a notification saying that it was already paid off. In fact I got a letter and an email that says so. So in my dismay and confusion I called XXXX, they were super helpful and very kind in helping me with all my questions about my account. She even shared how much of it I still owe. Which is all of it. I mean all of it. All the monthly payments I 've been making through Tution Options had been for nothing. When asked if there were any payments made on that account she kindly replied that I have n't for quite some time and that my account is not in good standing. So naturally I asked if she 's ever heard of Tuition Options, she replied that she did not and immediately recommend that I speak with someone at the CFPB. I hung up the phone and immediately made the call. I was greeted by XXXX who was really helpful in identifying my issue and wanted to start a claim immediately. I told him I could do it on the phone but I did not have the supporting documents with me at the time.
Product: Checking or savings account

On XX/XX/XXXX, I filed a chargeback dispute with my bank XXXX XXXX, for around {$3000.00}, for debit card transactions to XXXX XXXX fraudulently tricked me into believing it was a secure service to secure my assets. Under XX/XX/XXXX changes to Reg E that are documented on CFPB 's website here : https : //www.consumerfinance.govXXXX XXXX XXXX 

" A consumer who is fraudulently induced into providing account information has not furnished an access device under Regulation E. As explained above in Electronic Fund Transfers Error Resolution : Unauthorized EFTs 3, 4, and 5, EFTs initiated using account access information obtained through fraud or robbery fall within the Regulation E definition of unauthorized EFT. See Comment 1005.2 ( m ) -3. '' " Regulation E sets forth the conditions in which consumers may be held liable for unauthorized transfers, and its commentary expressly states that negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. 12 CFR 1005.6 '' " Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. 

I contacted the bank on XX/XX/XXXX, and they tried to use a loophole to decline my dispute ( that loophole was closed by the XX/XX/XXXX updates to Reg E ). I am currently pursuing all avenues to hold them accountable. The debit card dispute is from a card offering by BNY Mellon, and they are violating Reg E
Product: Credit card or prepaid card

I own a small business, and we were using XXXX XXXX XXXX XXXX XXXX for processing credit cards. Last year, we closed the business and cancelled their services. However, despite this cancellation and no transactions being processed, they have continued to charge us merchant fees every single month, totaling hundreds of dollars. We have called repeatedly to cancel and be refunded, and it just never happens. They will take our complaints, claim that they are cancelling the account and submitting our reimbursement request, and then nothing happens. Sometimes we get an email confirmation of the interaction, sometimes we don't. Most recently they have at least created a paper trail for which we have case reference numbers, but we're still getting charged. They've of course conveniently forgotten that we have been trying to cancel since XXXX of 2021. I have heard similar stories from other business owners. They are defrauding customers and just make it impossible to cancel. I don't want to have to close my bank account to stop the charges, but it seems this may be my only resort. And, I want to be refunded the $ XXXX taken over the last months. Our point-of-sale system has even cut ties with them because of the number of businesses having trouble.
Product: Mortgage

Nation Star mortgage is adding fees for inspection and other fees that they do not make the customer aware of and will not waive the charge. There is not a notice left on your door when an inspection is done and why is an inspection being done if I live in the property. The other fees added are unexplained. Letter attached of Nationstar response.
Product: Debt collection

XXXX XXXX XXXX XXXX has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to MRS BPO, L.L.C. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of Metro2 compliance.

see the attached letter for further details.
Product: Mortgage

I have a Bank of America home loan that was supposed to close on XXXX XXXX 2016, and that date was guaranteed by BOA 's " Close on Time '' guarantee. The guarantee states that BOA will pay {$500.00} if they fail to meet the closing date. The Loan Officer at BOA ( XXXX XXXX ) dropped the ball along the way, and as a result, BOA failed to meet the closing date ( though he never explained exactly what he did to cause the delay ). I have the email from XXXX XXXX notifying the title company and the seller 's real estate agent that BOA would not be able to meet the guaranteed closing date. His exact words were, " I am so sorry but at this time, the closing can not happen on Friday. XXXX is aware of the situation and we are remedying what needs to be fixed. To make it clear, he is not at fault, we are. '' Despite this clear admission of fault, BOA decided not to pay the guarantee. 
Even more perplexing is the reason that BOA gave for not honoring the guarantee. They determined " the delay was due to the seller delaying the closing as he/she/they were out of town and required a mail-out ''. But BOA has the events completely backward. The seller was in town on XXXX XXXX ( the original closing date ) and available to meet at the title company to sign the documents. The seller moved from XXXX to XXXX the day after the scheduled closing date ( XXXX/XXXX/16 ) and only required a mail out of the documents because BOA pushed the closing date back a week ( to XXXX/XXXX/16 ). Had BOA met the guaranteed closing date, the seller would not have required a mail out. 
I explained this to the Loan Officer, XXXX XXXX, and he appealed the decision, but the appeal was denied. I then contacted his Supervisor, XXXX XXXX, who examined my file and indicated that he had identified the source of the misunderstanding. He assured me that he would resubmitted my claim and was confident that I would receive a satisfactory result. That was in XX/XX/XXXX and I never heard back from him. I have since attempted to contact him via email and left voice mails but have received no response. 
Both XXXX XXXX and XXXX XXXX declined to provide me with the name of the department that handles these decisions. So, with no other means of recourse, I am hoping that filing a complaint will result in BOA honoring their guarantee by paying me the {$500.00} I am due.
Product: Checking or savings account

I opened an online savings account with BMOAlto on XXXX XXXX. I funded the accounts and started to link my other bank accounts. On XX/XX/year> I received an email from the fraud prevention department that they placed my account on hold. I contacted them on XX/XX/year> and they requested a copy of my driver 's license and statements for my linked accounts. I provided the info on XX/XX/year>. I have reached out to them several times to try to resolve and I was promissed on XX/XX/year> by end of day I would have this resolved. BMOAlto takes no urgency in resolving disputes and no common sense on what their fraud department is reviewing.
Product: Credit card or prepaid card

On The ending of XX/XX/XXXX I tried to withdraw money from my Discover credit card account, I did withdrew {$500.00} but I was unable to withdraw more cash. So I mailed out three proof of identification for them to have proof that I was the one who was trying to withdraw cash, so then my account was under review. Til yesterday afternoon when I made a phone call to discover card, they closed my account without letting me know ahead of time! I want You guys to take action to reopen my credit card account please, it 's so stupid of them to close my account for stupid reasons and I feel that it 's not right and not fair! I want this action taken immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I purchased a chair from XXXX XXXX for {$3900.00} plus tax and fees. The chair was delivered on XX/XX/XXXX, but was broken. I contacted the seller, sellers agent and home office and nothing was done, they refused to replace the chair for a new one according to their policy. I wrote, called, emailed and sent a letter by USPS. With no response I sent both and email and a letter cancelling the {$540.00} I paid for warranty, as well as informed I would report the charges of {$600.00} as fraudulent in my credit cards. I advised both the store and the home office I 'd dispute the charges and accounts as I requested them closed. Finally a technician was scheduled to fix the chair XX/XX/XXXXbetween the hours of XXXX and XXXX, I advised Conns in writing on XX/XX/XXXX that I would pay 1/2 the retail value on the base of the chair if they fixed it mi us the warranty I 'd written to cancel, I 'd begin payment 45 days after the chair was repaired. At XXXX XX/XX/XXXX the repair center called and said they would not make it and could n't reschedule. I contacted Conns again resending my prior offer as the chair is not repaired and I requested they come get it and allow me to speak to their arbitrator XXXX XXXX. They refuse stating my attorney has to call, however my contract says either myself or someone representing me could speak with them. 

In addition, the total amount owed on the chair is about {$2700.00}, not {$5200.00}. Conns has refused to follow their policies in regards to purchases and exchanges. I 've informed them that the debt would be disputed and received messages in return noting they understand.
Product: Credit reporting or other personal consumer reports

I have disputed this twice now and have gotten the same result and the company is kickoff i dont even know or should say didnt know what the company even was until I XXXX  it. First off I never signed up or purchased anything from this site and the things they did purchase arent even anything I would buy in a million years nor would I take the time out of my extremely busy life to send disputes twice. Its a pain and the date they are saying I apparently purchased this was XX/XX/XXXX  and I never did. The same thing happened with my account at XXXX someone purchased items under my account and had auto shipping to them but that was cancelled I caught them before it landed anywhere else. I would like this taken off my credit report the last thing in need is another negative against my credit report considering Ive already got enough debt and my auto loan on my report and Im not going to take responsibility for someone elses scandalous selfish behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX  XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... .XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XXXX .... XX/XX/XXXX XXXX XXXX XXXX .... XX/XX/XXXX=XX/XX/XXXX= XXXX XXXX .... XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX/= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX=
Product: Mortgage

My mortgage monthly mortgage payment is {$1000.00} ; the mortgage insurance is {$65.00} ( which goes to escrow ), which brings my total monthly payment to {$1100.00}. On XX/XX/2020, I made a check payment of {$1100.00} to Citizen 's One Home Loans, indicating the payment was for the XXXX Mortgage, Interest, and PMI. This payment was made using the XXXX bill stub, sent in the envelope. Citizen 's One Home Loans applied this amount to additional principal instead of My XXXX payment. I advised Citizens One they are no longer responsible to pay my property taxes, therefore I am not sending them any money toward my property taxes. Citizen 's One is deducting {$360.00} out of my monthly payment and placed into the escrow account. The only amount that should be going into the escrow account every month is {$65.00} ( PMI ). The rest should go to the mortgage principal, interest, and additional principal. Any amount in excess of {$1100.00} should go to additional principal. 

Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Inquiries that's on my Experian report numerous of times but Experian have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Experian have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX XX/XX/2020 and Disputed with Equifax, XXXX, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX  stating the car was paid in full and my title would be mailed in which I did receive.
Product: Vehicle loan or lease

I went to dealership got approved for a car financed the car paid a down payment on car got my own insurance all to find out I was never suppose to pay a down payment for this car per consumer law code 15 us 1605 finance charge all that was suppose to be include in my fincance charge 15 usc code 1662 state down payments are illegal 15 is code 1635 I have the right to rescind
Product: Credit reporting or other personal consumer reports

I have downloaded the entire history of my student loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is not listed on there at all. I have never had a XXXX XXXX loan, I have never cosigned a XXXX XXXX loan. 
I had no idea they were lying until I filed for XXXX and was told I didn't qualify because I have no loans in default, arrears, or charged off. They immediately got me in contact with XXXX who told me I have never had a XXXX XXXX loan. 
I then filed for, and was approved for, XXXX which took exactly XXXX minutes to consolidate all my loans over to XXXX, and receive confirmation. 
I was finally able to get a download of the list of every single one of my student loans I have ever had in my life from XXXX, and XXXX XXXX is nowhere on there, just like they told me on the phone. 
This is fraud. It needs to be removed immediately.