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

On or about XXXX XXXX, XXXX I was informed by Equifax Credit Bureau that my personal information had been breached along with many others, and I noticed a hard enquiry on the CBR that I did not recognize. I called Equifax but have been unable to talk to anyone about the hard enquiry so it can be removed. The hard enquiry was made by XXXX XXXX, and I already have TV service, ( antenna ), have no need for satellite service, and I have never used XXXX XXXX here at this address. I use XXXX XXXX service and I have had it for years. I am a victim of Identity theft, and a victim of Fraud, since XXXX and I have fraud alert statement on my credit bureau reports, and I suppose to have a security freeze on my report but Equifax never sent me a ten digit code so as to be able to dispute any errors on my report to be able to temporary left/remove security freeze. IT has lowered my credit score and I have not applied for any service from XXXX XXXX and I called XXXX XXXX and complained about it, and all they did was send me a report showing that someone did in fact try to use my name and apply for XXXX XXXX service without my permission, but I do not know who. I can not seem to unlock/lock my credit report because there suppose to be a security freeze, but without a ten digit code, I ca n't do anything and I have n't received a code of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a negative account on my Equifax credit report where I was a authorized user only and not responsible for payment XXXX and XXXX  deleted this account from my credit report with them but Equifax refuses to do so
Product: Credit reporting or other personal consumer reports

Experian has to failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers that dispute outcomes These failures align with my experience where Experian has neither corrected nor removed the disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and seen XXXX XXXX  on my report. I have no knowledge of this account and it is fraud. I also filed with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Product: Credit card or prepaid card

I have been working with my neighbor and XXXX XXXX XXXX to get my phone switched over to my affordable connectivity plan since XX/XX/2023, and we were finally able to get the required information from XXXX to transfer my number. I checked all my accounts and had more than enough in my credit Karma account, so the transaction was done on the XXXX of XXXX. Furthermore, I keep getting e-mails saying they need more info again and come to find out Credit Karma is holding my money and will NOT release it until the XX/XX/XXXX. This is going to cause me loss of contact with the XXXX XXXX, my XXXX doctors, my specialty clinics and family and friends. It is my money, and they are treating it as if I asked for a loan and won't release it! This is what my account says at credit karma- XXXX XXXX XXXX XX/XX/XXXX Hold <<<<<<<< - {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hold <<<<<<<< - {$12.00} Posted XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$89.00} - {$15.00} XXXX XXXX XXXX XXXX  {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$85.00} - {$23.00} XXXX XXXX XXXX XXXX  {$100.00} {$43.00} XXXX XXXX XXXXXX/XX/XXXX {$65.00} - {$23.00} XXXX XXXX XXXX {$88.00} - {$20.00} XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$88.00} {$20.00} XXXX XXXX XXXX XXXX {$68.00} {$20.00} XXXX XXXX XX/XX/XXXX {$48.00} {$20.00} XXXX XXXX XXXX XXXX  {$28.00}
Product: Credit reporting or other personal consumer reports

Is engaged in falsely reporting false information to major consumer and credit agencies. WELLS FARGO CARD SERVICES is using a payment date of XX/XX/XXXX with a payment amount of {$0.00} dollars as the last payment received from the debtor to age the account. Taken from information provided to the credit XXXX. XX/XX/XXXX show an Amount paid of {$170.00} with a Balance of {$1000.00} with a credit limit of {$1600.00} now as of today XX/XX/XXXX WELLS FARGO shows balance of {$1600.00}. 
WELLS FARGO is using illegal tactics to keep reporting negative information in hopes of coercing payments.
Product: Prepaid card

RushCard has stopped me from taking money out of my account I have tried to contact them for the last XXXX hours and I 've been put on hold for at least XXXX hours and then hung up on or I will talk to a supervisor and they will put me back on hold and they will hang up this has been an ongoing problem I see charges on my account that I have not purchase anything because I have not been able to use my card I 'm not able to pay my bills because they 're holding my money
Product: Student loan

I received an email that Sallie Mae responded to my CFPB complaint however my complaint was closed due to Sallie Mae not being able to offer any type of help. As stated in their response a manger attempted to call me on XX/XX/2021 regarding my issue of lowering my payments, the manager left a voicemail with no extension number for me to get back in contact with her, I called customer service literally 3 or 5 minutes after she called me and they too were no able to get in contact with the manager who called me whos name is XXXX. Sallie Mae advised me that due to XXXX not leaving a call back number/extension they would get another manager or supervisor to call me, I have yet received another call, I have called several times after this and still have been told another manager or supervisor will call me but again no one has. With Sallie Mae knowing my financial situation and them still stating I have no repayment options to lower my payments is ridiculous, how do they expect me to pay almost {$500.00} a month will other bills and having to provide for myself and survive. I really had high hopes that XXXX wouldve resolved this correctly but since they did not I am filing another complaint and will be looking into legal representation since again my issue is not resolved nor has a manager or supervisor tried to get in contact with me since XX/XX/XXXX, all calls are recorded so they can clearly listen to when I called back in 5 minutes after I missed a call from a manager who didnt leave a call back number/extension, Sallie Mae can also listen to the recorded conversations where I have been told numerous times a manager or supervisor will call me and has not, I will continue to seek help about this situation which is why I will be getting legal representation involved if my problem is not resolved
Product: Mortgage

I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Zip Code : XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office
Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, Inquiries : XXXX XXXX XX/XX/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 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 XXXXXX/XX/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 an account without my written instructions.
Product: Mortgage

It started with IndyMac switching are mortgage to Ocwen without giving me any notice. I was in the process of modifying my mortgage with Indymac. I had to start over with the modification process with Ocwen and its going on 3 years due to a reduction in my income. I sent in all the required documents by fax and email. When time to discuss my information they always reply '' we do not have your documents ''. When I send my documents I send them repeatedly. I received a house evalution on my property which is not accurate causing me to continue to pay PMI. My LTV is more than XXXX % and I should be paying PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I was flagged on XXXX XXXX that I tried opening an Amazon card through Chase. I had not done this. So I immediately called Chase and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/17 the same thing happened. So I again immediately called Chase. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back Chase and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called Chase and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called Chase and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. Chase is in no way concerned about this and it 's fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Omni Loans is reporting inaccurate information to all 3 credit bureaus. They have been unable to verify the debt and that it belongs to me. They even have sold the debt to another debt collection company. This debt does not belong to me and needs to be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Merchant Credit Guide 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been unable to access my equifax credit report since XX/XX/XXXX. XXXX XXXX XXXX was unable to access my equifax report on XX/XX/XXXX. XXXX  was unable to pull my Equifax credit report on XX/XX/XXXX. Ive reached out to Equifax on numerous occasions to try and resolve the issue. Ive spent at least 6 hours on the phone speaking with multiple agents but no one can seem to get to the bottom. Im told the account is not frozen/ or locked. I think this may go back to when I cancelled my equifax premier plan. I just need help to get this accessed so we can refinance our home.
Product: Checking or savings account

On XX/XX/year>2024, in the afternoon, I have used my checking account from Bank of America to make a XXXX payment to a friend for {$1000.00}, the limit is {$3500.00} according to the representative from Bank of America. Less than one minute from the transaction request the transaction was denied, and my friend was removed from the recipients list. I have added again my friend to the recipients list and tried to send again {$1000.00} from my checking account. The transaction was denied again, and I called Bank of America. The supervisor told me that Bank of America uses an algorithm for transactions, and I have to wait 24 hours for the transaction to be cancelled. On XX/XX/scrub> 2024, in the morning, I have tried to access my accounts at Bank of America and found out that my access online has been denied completely. The provided a phone number and the robot told me that Bank of America is closed in observance of the holiday. In the past i have requested transfers of {$500.00} and had no problem. Bank of America 's actions are abusive and unjustified especially since I am a member for more than 38 years.
Product: Credit reporting or other personal consumer reports

I am in the process of trying to get a personal loan. I was informed by my lender that they were unable to verify with Transunion specifically and I would need to call into get the problem resolved. I went onto Transunion site to set up an account, it told me I need to call in. I called in and was told we can not help you today try again within 24 hours. I questioned the reason for not being able to help me. They said I reached my max for today. I said how is that possible when I only try to set up for an account which told me to call in and the lender company gave me notice two days ago. There is no reason I should be maxed out for getting verified over the phone or being able to know what I need to do to get verified if I need to submit documentation. The customer service person would not give me what the max number is for verification and I stated you are telling me one alert is the max for each day. I even asked for a manager which I was denied access to a manager to discuss the issue. This is poor practice and service. I had to give my social security number twice, once through the Automated system and then with the dispatcher. That makes me uncomfortable. 4 years back Transunion reported me as deceased and I had to do a lot to prove I am a valid live person. So my confidence in Transunion is minimal at XXXX. Unfortunately other lenders and businesses rely on Transunion as being able to provide credit reporting. How can I use a system that denies each time I try to get verified as a consumer? Practices are poor at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company calling me asking for personal information in my biz Been a victim of if theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had poor security practices and allowed an unknown amount of information about me to be stolen sometime in XX/XX/XXXX-XX/XX/XXXX. This breach affected 143 million people, and was discovered by Equifax at the end of XX/XX/XXXX. However, they neglected to notify the public until early XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an account listed on my credit report. Under the Fair Credit Reporting Act ( XXXX  ), all information in a consumers file must be accurate, complete, and verifiable. Upon reviewing my credit report, I discovered an incorrect account that is negatively affecting my XXXX XXXX. This company improperly made this error on my report without even notifying.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent Equifax a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from Equifax. Equifax is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to Equifax.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I signed contract with a scam loan company that call them self XXXX XXXX XXXX to get a loan and I need to send {$3000.00} for down payment on XX/XX/XXXX they asked me to send another {$4000.00} for insurance and then they asked to send more so I told them I would stop the loan because I realized that's it's a scam but they don't want to send back the money and they blocked me all ways to reach them out so I got to my bank should reask the wires I do from the other bank but they didn't want to that I show them prove thats its a scam but nothing and I told them you are partners of the crime because they are stealing money from people but nothing ..... 
By the way they asked me to send the money on different business name that called XXXX XXXX XXXX XXXX