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

In the wake of the Equifax data breach, I attempted to freeze my credit report with them using their web site. At the point in the process where the freeze was to execute, nothing happened, the site locked and never issued me a pin. When I return to the site, it only offers me options to remove a freeze but requires a pin to do so. 

I signed up for their credit monitoring service because a call center rep on the data breach response line told me that I could use that service to lock and unlock my report at will. When I log into that site, I get an error where it is supposed to show my lock or unlock status. 

I have sent numerous emails to their " contact us '' email address and have Case #  XXXX. Days have passed with no contact. I 've tried to call customer service but the phone has been busy for days. Today I got into their automated system and have been listening to their hold message for 90 minutes so far. 

My report may or may not be frozen at this time. I ca n't contact Equifax to correct it.
Product: Payday loan

I was contacted by ELoan.They would give me a loan for any amount.All I had to do was get a XXXX card for {$170.00}. Then they would deposit the money into my account within 30 minutes. That was 3weeks ago. They called back and said they trouble putting the money in my account. My bank would not except the amount. So they called back again and told me to get a money gram for {$250.00}. Then they would give me back the money in a money gram and a cashier check. I called them back the next day to find out what happen and they said it expired and I would have to get another money gram again for {$250.00} and was so made and I said I could n't they said it will be a XXXX mintues again. So stupid me did will they said they money gram had technial difficultes and would call me the next day at XXXX. That did not happen at all. Now they wanted a {$380.00} to get my credeit score up to XXXX. If I did't pay that they would have it freezed by FCC. I did not have the money and I jut want my {$690.00} back into my bank account that they have.. i just live paycheck to pay check.Here is the Number of the XXXX I have not signed a thing with them it as all been on the phone Please help me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WAS CHECKING MY CREDIT REPORT AND ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am writing because I have certain protections under 15 USC 1681 and I believe that Equifax has violated them on a number of occasions. I demand that the account listed below be removed from my credit profile immediately because : 1. According to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish information concerning these accounts.

2. 15 U.S. Code 1681s-2 states : 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. 

There is inaccurate information on my report and I have contacted Equifax concerning this matter, yet they have made no changes. 

The account is as follows : XXXXXXXX XXXX XXXX - ACCT # ENDING IN XXXX
Product: Debt collection

I received a letter from XXXX. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.
Product: Checking or savings account

XXXX suites XXXX day trial subscription XXXX debit payments In XXXX I authorized a XXXX  day free trial for XXXX suites which required providing a debit card for future payment. After the trial period and without my knowledge or communication by XXXX, they began deducting XXXX each month from my checking account. As if this date I have paid over {$48.00} for a service I can not use or can not access due to the user name -and password i have lost or misplaced. They do not have a customer support help desk phone line or email address to report this information to. I have notified my bank but the also are still investigating this matter and have not been able to address this complaint. This is an example of a bait and switch transaction as the customer has no means of contacting XXXX to report this problem. All their support information requires a long drawn out process to address this issue but still requires your original username/password which I do not have. Please provide assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting multiple accounts that the furnisher requested to be removed. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I submitted a fraud claim to boa in XXXX about unauthorized XXXX charges in the approximate amount of {$6000.00}. It took boa less than 5 days to deny the claim, even before I was able to provide any documentations and their trivial reason was that i logged into my boa online account during the time the charges took place, which means I'm aware of them. I explained to them that that's incorrect and although I've done business with XXXX, those charges were unauthorized. I even sent them proof from XXXX itself, telling me that my account was hacked and encouraged me to report all unauthorized charges to my bank. I reopened the claims weeks ago with the XXXX admission of hacking, police report number, FTC complaint and OCC complaints. Not a single update, I even contacted their phone representative and all they said was I don't know, I'll notate the account. These are claim numbers and amounts as well as the fax text I've seen along with the supporting documents : Hello, Attached are supporting documents for claims : Claim No. XXXX {$2900.00} Claim No. XXXX {$2900.00} My XXXX account was hacked and XXXX has told me in writing to dispute all unauthorized charges that went unnoticed over a long period of time. I also uploaded a copy of my FTC and OCC complaints. In addition, I filled a police report with XXXXPD : XXXX and was advised to file a report with IC3.gov. I would truly appreciate a diligent and prompt reversal of all charges in both claims. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting inquires I have reached out on several occasions to get this matter resolved. They have refused to take this off of my credit report. This is inaccurate and aggravated identity theft and is stopping me from reaching a good quality of life and is adding terrible situations to my life. It is horrible, please help me. These reports are inaccurate and causing personal injury.
Product: Debt collection

The story started back in XX/XX/XXXX. Someone had set up a merchant credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX service. I am an XXXX. I do not run an escort service. And heartland bank called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at heartland Bank. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX XXXX police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX Im being contacted by a collection agency for {$6200.00}. I was told by Life Lock to file a fraud alert with my with XXXX credit monitoring companies. I have done that. 
The heartland reference number is XXXX. The XXXX number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting on my credit report pertaining to the alleged debt associated with the account XXXX. It has come to my attention that there are multiple discrepancies that need urgent resolution. I have observed that both Lendmark Financial Services and the collection agency XXXX XXXX are reporting the same alleged debt. This constitutes a violation of the principle of double jeopardy. Discrepancies exist in the balances reported by Lendmark Financial Services and the aforementioned collection agency. I am confused as to how one account reports a balance that is {$600.00} more than the alleged debt. These inconsistencies need clarification. To date, I have not received proper validation of the alleged debt. You have failed to provide the necessary documentation, including the 1099-C form and the forward flow agreement form, to substantiate the legitimacy of the debt. The inaccurate reporting, failure to validate the debt, and discrepancies in reporting balances are clear violations of the Fair Credit Reporting Act ( FCRA ). I am formally requesting the removal of this entry from my credit report to rectify these violations promptly. If these matters are not addressed within 30 days as per FCRA, I reserve the right to pursue legal action to seek damages for the violations under the FCRA. Please consider this complaint as a formal notice of dispute as per the requirements of the FCRA.
Product: Credit card or prepaid card

DISCOVER CARD SENDS FALSE STATEMENT TO CUSTOMER CREATING {$7200.00} IN EXPENSES FOR CUSTOMER CUSTOMER SCAMMED I opened an account on XX/XX/XXXX for a credit card with {$8000.00} credit line. Someone I had made friends with online ( I later obtained information which leads me to believe this is an organized crime ring based in XXXX ) asked to borrow some money to ship some gold to the US and agreed to pay me back. I sent about {$7500.00} to this person on XX/XX/XXXX. The return payment of {$7000.00} was made from an unknown account ( not my account ) on XX/XX/XXXX. Discover Card told me the payment was received and gave me credit on my balance making {$7000.00} additional money available for me to spend. I sent an additional {$7200.00} on XX/XX/XXXX. The payment was returned on XX/XX/XXXX. I would not have sent the additional {$7200.00} and would not have been able to if not for Discover Card 's false statement. I turned this over to the FBI IC3 unit but the unit has not taken any action to date and they say they probably will not take any action. The courts awarded Discover Card {$7500.00} they paid a different court {$1000.00} security and they were then awarded {$14000.00} plus legal costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Credit reporting or other personal consumer reports

I noticed items on my report that I've requested to get removed the company 's aren't trying to remove them.
Product: Consumer Loan

This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. 

They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. 

They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.
Product: Student loan

This refers to the attached billing account statement received fron XXXX XXXX XXXX XXXX XXXX XXXX for my two semester of education. The total cost of Tuition and Educational Fees was {$7600.00} ( {$3800.00} x 2 semesters ). I received TAP awards totaling {$1000.00} for the two semesters, Based on above, it shows that the school was entitled to receive a loan of {$6600.00} from my lender ( Sallie Mae ) for the total cost of my education. 
However, Salie Mae and/Navient, the Lender and Servicer of these Loans have been collecting repayments since XXXX based on the amounts of Loans totaling {$17000.00} which my school received in XX/XX/XXXX and XXXX XXXX. There are issues of Overpayments/Overawards to be resolved. There is no account for the total amount collected from me by SalliMae before transfering my loans to Navient on XX/XX/XXXX. From XX/XX/XXXX to date, Navient has collected {$35000.00} from me and continue to ask for a payoff of {$34.00}, XXXX. I have never received any portion of overpayments returned to me or deducted from original loans by the school and the lender.. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX XXXX XXXX : {$6900.00} Date Opened : XX/XX/2020 - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX : {$7100.00} Date Opened : XX/XX/2020 - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX Balance Owed : {$7400.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.
Product: Mortgage

On XX/XX/2020 I mailed a Notice of Error letter to Specialized Loan Servicing ( SLS ), pertaining to my annual mortgage escrow statement which SLS was over charging my about {$50.00} a month. The escrow annalist I received from showed that I had a overpayment of {$2.00}. I would like SLS to show me how they Calculated a {$2.00} overpayment when SLS was over charging me every month. Today date is XX/XX/2020 and I have yet to get a response from SLS analogizing my Notice Of Error Letter. I understand upon receipt of that letter SLS has 5 business days to respond to that said letter. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX XXXX  XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!
Product: Credit card

I have a Macy 's AmEx. Yesterday I received an unsolicited issue of XXXX magazine. The mailing label said " Macys American Ex '' and listed my address ( not my name ). Immediately preceding " Macys American Ex '' was the password to my Macy 's account ( which has since been changed )! So not only did Macy 's not keep my password private within the company, it sent it to the magazine publisher and through the USPS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.