23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

EQUIFAX REFUSES TO SEND ME NEW YORK STATE SECURITY FREEZE PIN NUMBER. 
EQUIFAX DENIES ME FREE ANNUAL CREDIT REPORT.
Product: Student loan

Wells Fargo has made my life XXXX through my private student loan. I have had a private loan with Wells Fargo from when I started college ( XXXX ) until a year ago when ( XXXX ) when they pawned off all their student loans to XXXX. Now Wells Fargo no longer gives me access to my account for me to give dates and examples. Throughout the span of this loan I tried to get Wells Fargo to lower my payments or even give me income driven which they denied several times. I have had to make payments to Wells Fargo rather than paying rent or getting myself groceries, to that the woman said, well thats just how it is.I can not believe how cruel and cold they have been towards me. The mental stresses they have put upon me is not right. They would rather get their money and have me suffer. There have also been a number of times in which they have not accepted a day late payment and charged me late fees as well as not accepting partial payment to suffice one of the loans. XXXX claims to have taken on the same liabilities as Wells Fargo. I have been in forbearance with XXXX for 9 months now. I only have 3 months left until I have to start paying that ridiculous payment. Which I absolutely will not be able to do, especially with the current economy.
Product: Credit reporting or other personal consumer reports

Started with company promising to report credit line to all XXXX bureaus. There's no history and limit is incorrect. Additionally, its reported correctly to XXXX bureau, incorrectly to XXXX, and not reported at all to Experian.Have asked through numerous emails and various disputes this be rectified to either no reply or " we ; re aware of the issue ''. Five months later, no resolution and company doesn't reply to emails
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.
Product: Checking or savings account

Dealing with Marcus has been a real nightmare. My account got blocked on XX/XX/XXXX, and despite making four lengthy calls this week, I'm still stuck in a verification limbo. They couldn't send me a PIN to my cell phone, and it turns out it's because the number traces back to my wife, who set up the wifi in our apartment. 

After many hours on the phone and requesting to speak to a supervistor, they suggested either going through the tedious process of sending an affidavit ( and getting it notarized ) via mail or getting a new phone number linked directly to me. Opting for the latter, I got a new number, but alas, this morning 's call brought more frustrationstill no PIN, and I'm back to the affidavit option.

Currently locked out of my account, it seems like accessing it will be a long wait and I am scared I will not be able to access my savings. This has been the worst customer experience ever, Marcus is to avoid like the plague.
Product: Debt collection

On XX/XX/XXXX I contacted Merchants Preferred now XXXX Preferred Lease to discuss the balance owed and to create a payment plan. I was in direct contact with a customer account specialist named XXXX XXXX who was able to send me a spreadsheet containing payments made towards the account. We discussed that I will review the spreadsheet and contact her with an amount that I can pay towards a payment plan and what it would look like. 

When I tried called Preferred Lease on XX/XX/XXXX ; I was on hold for approx one hour and never could reach a live customer agent, I tried again on XX/XX/XXXX and was on hold for yet another hour with no live customer agent. I sent emails inquiring about making a payment plan that went unanswered ; I decided to refocus my attention towards paying other debt that was more responsive. 

On XX/XX/XXXX, I received an email from Preferred Lease with the subject line reading " Use Your Stimulus Check and Settle Your Account ''. The email contained a settlement offer of {$740.00}, I sent them an email on XX/XX/XXXX stating that I did not want to settle, I would like to pay off the entire balance in full. I never received a response back from my email ; I tried placing calls, once in XX/XX/XXXX and again sometime in XX/XX/XXXX. During the calls, when I pressed to speak with a customer representative, it will say all agents are busy with other customers to please stay on the line. it will repeat that phrase twice and then it will state that they are experiencing technical difficulties at this time, goodbye.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Checking or savings account

On XX/XX/XXXX I received a phone call about a loan payment from a third party company that I owed. I told the representative that I made a full payment on XX/XX/XXXX. So, I called Chase bank and spoke with a representative about the fraudulent charge dated back to XX/XX/XXXX. I asked the representative how long do Chase go back to do an investigation. The representative told me 2 years. Chase refunded the {$740.00} to my account. On XX/XX/XXXX my account was a - {$740.00} because Chase reverse the charge. I called Chase and asked them to explain why was the charge reversed. A representative told me that they only go back 120 days and I had exceed the time to dispute. Also to contact the financial company who took the money from my account. That comment is no longer in business. The company telephone number has been disconnected. Had I know it was 120 days I wouldnt have filed a  claim. I think Chase has bad customer service and representative who give out incorrect information. Since the COVID-19 I have been with our work. I
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( EXPERIAN, XXXX, and XXXX was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Debt Collection Agency Trident Asset Management, LLC is reporting an old account from XXXX using and incorrect date of delinquency. The account has been re-aged to appear newer than it actually is. Which will subsequently allow the account to remain on my credit for much longer than legally allowed. The account is reported as having an open date of XX/XX/ when in fact the account was actually opened and became delinquent in XXXX. In XXXX I was no longer living at the address associated with the XXXX account and had in fact not been living there for 2-3 years. I have contacted the credit bureau regarding this issue and instead of verifying the delinquency date with supporting documentation from the collection agency, they only verified if the debt belonged to me. I contacted the collection agency with a certified direct dispute of credit reporting. I listed the information being disputed as the date of delinquency of the account. I have requested documentation showing the date of first late 30 day payment. I am still awaiting a reply.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Mortgage

Flagstar foreclosed on my family after years of us trying to apply for a mortgage modification. We were passed around and sent through hoops by Flagstar, and were denied because of Flagstar 's own mistakes and time delays. We have done everything we can to save our house, but now we 're facing eviction. We believe we were subjected to the same practices of Flagstar 's that they were cited for by the CFPB in the XXXX XXXX, 2014 stipulation on this issue. We would like help from the CFPB in order to stop the eviction and receive retribution from Flagstar for the harm they caused us and their unwillingness to help us during the entire foreclosure process.
Product: Debt collection

I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck.
Product: Debt collection

XXXX end up on judgment entered on XXXX XXXX ( for {$1800.00} ). ( Filing date XXXX - disposition date XXXX XXXX, court- index number XXXX ) .I was XXXXe U.S. for 9 years ( XXXX issue ) Now i live in XXXX since XXXX ( XXXX ). I notice The Law Firm of Stephen Einstein & Associates put hold on my savings account for that judgment -hold for XXXX for XXXX judgment. On XXXX XXXX I was discharged in bankruptcy XXXX -Final decree XXXX/XXXX/XXXX ( this judgment was not in my credit report XX/XX/XXXX,XX/XX/XXXX-I have copy-and I do n't know about to add when I file for bankruptcy ) Thank you
Product: Payday loan, title loan, personal loan, or advance loan

My lender Dividend Finance was making advanced payments to my contractor XXXX XXXX prior to work being completed, permits taken, inspections passing and permission to operate. My lender also did not do their due diligence PRIOR to paying contractor. Now Dividend Finance is trying to put a lien on my house and demanding payments. 
There were many violations that XXXX XXXX violated and was obvious to Dividend Finance. I emailed Dividend Finance informing them that the panels were not properly installed and they ignored me. I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone per loan contract and any documentation giving XXXX XXXX permission to pay XXXX XXXX in advance without my consent or the project even being completed.
Product: Credit card or prepaid card

I signed up for services with XXXX under a promotion that offered a {$1500.00} gift card. In the mist of having their service and the past year I have encountered issues with my health on top of a XXXX and the gift card promo was the farthest thing on my mind although much needed. My husband did acknowledge that he can possibly recall us receiving same in the mail at some point but may have misplaced it. My name should have been on the gift card and the services are solely in my name and I have never saw the card nor aware of what their cardholder agreement could possibly be as far as how to use and or what the expiration date would be. 
I was having a casual conversation with a Vivint rep and the gift card came up. Thats when I was advised to contact either XXXX or Bank of America to issue. My husband called XXXX and advised them that he misplaced the card and was advised that the card had expired and could not be re-issued and used as there was now a XXXX balance. I called Bank of America and was told the same. My husband 's name is not on the account and should not be on any cards sent related to our VIvint services. If what he does think came could have been the card, we never used or activated the card so not sure how we could be aware or bound by any terms in the cardholder agreement that XXXX have accompanied the card outlining the specific terms and conditions. XXXX stated that Bank of America keeps the funds after they are expired which makes me question the integrity of both companies and if their ultimate goal is for customers to not receive and activate the card so they can keep funds.
Product: Credit card

Wells Fargo Home XXXX XXXX Credit Card Program payment calculation is deceptive beyond belief ( it is so complicated it is hard to explain it all ). We used their charge card in XXXX for windows at 0 % for 60 months no interest if paid off after 60 months. The payment was divided among 60 months. In XXXX we added a charge for Blinds that was 0 % for 12 months. What they did not explain is how the payment was calculated for the XXXX different terms. We paid every payment for every charge on time until the last charge. We did not realize that the term was slightly different for the 12 month term. The 12 month " special rate deal amount was deferred interest, Wells Fargo only billing the minimum payment not dividing into XXXX equal payments which we would have paid off after 12 months. Instead the charge ( minimum pmt ) was combined with the 60 month term, but the statement did not show what was getting paid, as it is not separated on the bill. After 12 months it was n't paid due to misunderstanding the terms, therefore we were charged the entire year of astronomically high interest. Not only did it leave a larger balance than anticipated, but the payoff for the 12 month term was only giving the amount for that charge and did n't add in the payment for the 60 months. The interest rate immediately jumped from XXXX ( as if that is n't high enough - since our credit score is in the XXXX range ) to the 28.24 % If we had realized and paid the entire amount, we would then be short for the 60 month term because that amount is listed in small print in a separate sentence, so technically we 'd be in default on XXXX payments. The online payment option makes this very easy to overlook because you need to open the statement to realize that the Special Terms balance is due. The charge was put in my name, but my husband was paying the bills. You need a computer accounting program to figure out how the Wells Fargo bills the charges. Wells Fargo said it was up to the merchant to explain the credit card terms. We always make our payments on time and we even got caught on this XXXX. I would recommend never adding XXXX different terms to the same account. We paid off the balance today and will never, ever use Wells Fargo or any other " Big Bank. '' We are so upset because this is pretty much close to scam as far as I am concerned. The amount due to avoid interest should be on the front page with the bill, not on the second page in a paragraph format.
Product: Credit reporting or other personal consumer reports

The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : XXXX XXXX XXXX, XXXX XXXX, Midland Collection Agency, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today.

In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA.

I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights.

According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Mortgage

My partner and I applied for a Bank of America HELOC refinance of an existing mortgage in early XXXX, 2019. Our equity is between {$1.00} and {$1.00} million dollars. We both have perfect payment records for over 55 years. BOFA stated that our application does not meet their income requirements. We both take RMD distributions from our respective IRA 's. But we take them on a timely basis in order to maximize the income and reduce the tax obligations. This is both a highly discriminatory action and one that would damage our income. We are also penalized from how we take capital gains distributions. The BOFA model for mortgage HELOC applications is flawed. It has taken over 60 hours of our time in submitting documents.