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

After failure to be able to lift our security freeze by phone or online, Equifax e-mailed us that the problem was solved. All we had to do was login on line and lift the freeze. We tried this and the website advised us that we could not lift the freeze online and had to phone them. We e-mailed Equifax and advised that our online account was not functioning to enable us to lift the freeze. We advised Equifax that after our first experience WE WOULD NEVER PHONE THEM AGAIN but that we would talk to a knowledgeable and helpful representative if they wished to phone us to solve the problem. We gave them our phone number. Equifax replied that " due to the information we provided '' they would not be able to set up an online account. Note that we do have perfectly functioning online accounts at XXXX and XXXX and were able to lift our freezes at each company within 5 minutes. ( Subsquent the above, Equifax bizzarely sent us an e-mail congratulating us on having successfully set up an online account. ) Equifax e-mailed that we would need to complete a " Security Freeze Request Form. '' We replied that we has already sent a completed form with all the requested documentation by Priority Mail to PO XXXX, XXXX, Georgia,XXXX. We also stated that the Post Office documented that they had received the form today ( XX/XX/XXXX ). We attached a copy of the completed form to the e-mail. In response this Equifax again replied that we needed to mail a completed " Security Freeze Request Form. '' Obviously our e-mail was read by malfunctioning AI/Auto Response or was received by a person who could not bother to read it before replying or was unable to read. Solution : Equifax needs to lift our credit freeze as directed on the mailed in " Security Freeze Request Form ''. My understanding is that they are legally obligated to lift the freeze when they have received written instructions and documentation. They also need to set up a functioning online account that we can use in the future like all the other credit bureaus have done. I also believe that Equifax staff training and computer programing needs to be thoroughly investiogated. This is the same firm that made news headlines by leaking a huge number of social security numbers.
Product: Debt collection

I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information.
Product: Credit reporting or other personal consumer reports

I believe that FCRA XXXX mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some accounts are inaccurately reported, including incorrect amounts and dates.
Product: Checking or savings account

ON XX/XX/XXXX A PRE-AUTHORIZATION HOLD IN THE AMOUNT OF XXXX WAS PLACED ON MY CHIME CARD. FOR MY CAR RENTAL. THEN ON XX/XX/XXXX THE AMOUNT OF XXXX WAS CHARGED AGAIN TO MY ACCOUNT FOR MY CAR RENTAL THAT I HAD RETURNED SINCE THE XXXX OF XXXX. XXXX CAR RENTAL CHARGED AN ENTIRELY NEW CHARGE TO MY CARD WHICH WAS NOT AUTHORIZED. THEY FAILED TO COMPLETE THE INITIAL CHARGE FROM XX/XX/XXXX. ADDITIONALLY, THEY DID NOT EVEN CANCEL THE PENDING CHARGE FROM XX/XX/XXXX. BOTH CHIME AND XXXX SAID IT WAS MY FAULT I WOULD HAVE TO WAIT XXXX DAYS, BOTH COMPANIES HUNG UP ON ME. THIS RESULTED IN MY CHIME ACCOUNT WHERE MY DIRECT DEPOSIT GOES INTO BEING NEGATIVE. CREDITORS ARE CALLING NON STOP, I LANDED IN THE HOSPITAL BECAUSE OF THIS ISSUE, AND THE REPRESENTATIVES EVEN TOLD ME TO SHUT UP.
Product: Debt or credit management

I'm not sure if this is the proper place to report this but a company called Kickoff financial services is selling inaccurate credit reporting as a service to improve credit ratings. For example when you sign up they charge a monthly fee that claims that you have a line of credit which varies with the plan you choose but the credit is only usable in a store that sells digital media that comes with a positive but false statement such as backdating positive payment history or reporting that the account is older than it is. This seems like outright blatant fraud. They claim this is a legal practice but I don't see how it isn't fraud to make false claims to a credit bureau regardless of them being positive or negative.
Product: Debt collection

Beginning inXX/XX/XXXXI moved into XXXX XXXX XXXX, XXXX XXXX, Al XXXX. It was a home that I rented along with XXXX XXXX. My daughter was also there. We rented this home through XXXX  XXXX XXXX. While I was there the rent was paid and all utilities including rental insurance was paid, nothing was behind. On XX/XX/XXXX XXXX XXXX XXXX XXXX me by XXXX and he also snatched the phone out of my little girls hands who had dialed 911. He hung up and the phone from her. He continued to XXXX XXXX me. After the cops were called and I spoke with the magistrate of the city of XXXX XXXX and made out a report. I was informed by police that XXXX XXXX wanted to remain in the house. XXXX XXXX XXXX also called and informed me that he wanted to remain at the residence. So I moved all of me and my daughters things out and I had to find another place to reside. Because of the XXXX he subjected us to that night, we could no longer stay there because it was XXXX. He couldve XXXX XXXX. No one at XXXX XXXX XXXX  cared. And they also let him reside at the house when he was suppose to provide proof of income to get my name off of lease, they also let him reside there and he did not have any rental insurance, and having insurance was a stipulation of the lease. Also providing his proof of income so my name could be removed was a condition of the lease and he failed to do both. I have proof because I have emails, voice messages, and recorded phone calls from XXXX XXXX XXXX. He stayed at the residence from XX/XX/XXXX til XX/XX/XXXX. I have proof of this. The debt owed is his because he resided there and he made was violent and assaulted me. I have talked to several people at XXXX XXXX XXXX and also Hunter Warfield. They showed no concerned. XXXX XXXX XXXX  didnt make him do what he was suppose so my name would could be removed from the lease. Im not going to pay for a place I was not staying. I had to pay for a safe place for me and my child. Hunter warfield needs and XXXX XXXX XXXX  need to hold the right person responsible which is XXXX XXXX. I have attached several emails after I left the residence that show only XXXX XXXX is responsible. He did not pay rent for where he stayed.
Product: Checking or savings account

Account was created with chime, Im not sure how but they have my ssn, email address, phone number, name and address. They did not close my account and requested personal information from me to do so such as my ssn which I declined to provide.
Product: Credit card or prepaid card

Before the pandemic, I had most of my payment options for my bills on Autopay. Some through my Bank and some arranged with the Creditor. Due to less income during the pandemic, I needed to keep closer track of my cash flow, so I undid most of my Autopay options. 
This led to an oversight in XXXX, I was overdue on a {$31.00} minimum payment, Charged {$29.00} Late fee, {$89.00} was the next minimum payment due. Why the {$60.00} minimum payment difference? 
I had the same thing happen on a XXXX card, and they didn't explain why the difference. With this Synchrony Sam 's Club card, I tried the online chat, but got their Artificial Representative. 
During this same XXXX statement my balance was lowered from {$1400.00} to {$1100.00}, leaving not enough for some new fees and my Sam 's Club membership which went up in price. I don't even usually charge this to my Sam 's Club card, but that's something different. 
Now I'm Overlimit, my interest rate also went up and they Call every single day. Interest rates on Credit Cards is out of control for normal people who have a recurring balance.
Product: Credit reporting or other personal consumer reports

I was a tenant at XXXX XXXX. I moved out and contacted the front office several times before moving and noone never came to view the apartment. After several months i an being charged for carpet that gets replaced after every move in, cabinets that was broken before i moved in and a hole in the wall. All of these items was listed on a pre inspection report that the apartment complex has refused to provide. I have gone to the complex, called them, and emailed them and they refuse to give me a copy of the report which has all of the things listed that they are trying to charge me for. No one never came to fix any of these problems. XXXX XXXX  cant keep upfront managers or people that know how to conduct business. They are very fraudulent.
Product: Debt collection

This company XXXX XXXX was hired by XXXX XXXX XXXX XXXX to collect a debt that was discharged in  a Bankruptcy due to medical reasons. It was filed in 2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. XXXX XXXX XXXX XXXX is intercepting my tax returns, even though they have collected over {$27.00}, 000 through wage garnishment. 
When I call XXXX XXXX, they refer me to the XXXX XXXX XXXX, and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquiries reported on my credit report. On my Experian credit report, the following are unauthorized hard inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry ON XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also on XX/XX/XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not recognize any of these. I called the companies on my Experian, XXXX and XXXX XXXX report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution proces + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Checking or savings account

Under the FCRA, you can dispute inaccurate, incomplete, or unverifiable information in your XXXX  file.
Product: Debt collection

I have a open collection for XXXX dollars from XXXX but I do n't have XXXX. Have n't received a bill. So I was wondering if it could be identity theft. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes to Equa-Fax about the reporting of my monthly payments to my XXXX Account. I have checked my account on several occasions and see that they have not updated my account to make it current as of XXXX. They have failed to report all my payments. I spoke with XXXX Representative XXXX XXXX XXXX this morning and she stated that they have reported all of my Payments up to XXXX when XXXX has reported it to them.
Product: Credit card

received an empty box from this XXXX XXXX, need help!!! 
need my money back, did not get what i ordered!! 
They have no customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violate my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Debt collection

My XXXX Credit report showed a debt that was sent to collections. The name of the collection agency was Sequium Asset Solution. Their information from the report is : Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Original Amount Owed : {$130.00} The original creditor is stated to be XXXX XXXX. I called XXXX XXXX XXXX and went into their store and even with my social security number they were not able to pull up any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

Dear Chase XXXX, the account ending in XXXX is not mine, it was fraudulently opened on my behalf. I did not apply for a Chase XXXX XXXX credit card at any time this year. Please do an investigation and remove any balance that occurred on this account. Under certain laws, I am not entitled and/or responsible to pay the debt that occurred on this account ending in XXXX to Chase XXXX which XXXX not mine. Again I did not authorize or verify that this account is mine. Remove the debt that occurred on this already closed account because it is not mine and I do not owe any debt to Chase, for the sole reason that this account is not mine in the first place. It is identity theft. As I am aware, this account is already closed but there is still a balance.
Product: Mortgage

I asked for HomePoint Financial, the company who services my mortgage for the investor XXXX XXXX, to request for a primary occupancy waiver requirement because I have moved to a full time telecommute position that requires a dedicated office space separate from the rest of my living areas. Because of this requirement, I was looking to move into a larger home as my current home does not have a space for this. 

The first request was sent at the end of XXXX and it is 5 months later with still no reply. At this point, the waiver isn't really needed because the occupancy requirement ends after 1 year on XX/XX/XXXX but I still would like to receive a response. I have been asked to provide additional info several times. There have been times where I provided the additional info and they say it hasn't been communicated to the investor after weeks of waiting. This process has been drawn out forever and noone follows up when asked. I just got asked again for the additional info I previously sent, I resent it, and now just received another canned, automated reply saying additional information is needed. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I completed a modification with Wells Fargo, who needed to obtain clear title to finalize the modification. It took around 4 months longer but the modification was completed and Wells presented me with a clear title. Notorized documents from a XXXX XXXX at Wells Fargo and Schedule A of the title. 16 months later I receive foreclosure documents from my condo association for a total of XXXX for XXXX liens dating back to 2011 in which I had no idea. All XXXX liens were invalid and now due to the title company and Wells Fargo I am fighting once again for my home. 
the title company and wells fargo should be held accountable for not finding the liens I now have to pay on top of mortgage an additional XXXX per month for these mistakes and am now falling behind in my mortgage again after taking 6 yeats years to get a modification
Product: Checking or savings account

I made complaint someone hacked my account and send money with XXXX I called the bank and they told me supposedly some one with my authorization made this transfer but I never gave my authorization so they denied my claim and closed this claim so it was XXXX dollars that I lost there
Product: Credit card or prepaid card

There were several fraud transactions occurring through my credit card for which i have never made a purchase since XXXX XXXX. These transactions were happening without any XXXX  however keep on getting messages that transaction has been made for the same. This is being reported to CitiBank and Card was blocked immediately due to which no major mishap occurred. Although hackers are keep on attempting to make a transaction but failed due to immediate blocking of card. 

So far around 6 transactions of amount Rs. XXXX were done for which amount is reflecting in my credit account and also several failed attempt for around Rs XXXX was made post blocking of card. Also attempt of transaction were made in another currencies other than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Capital One XXXX card which required a personal credit check. After being declined, I called to inquire as to what I could do for possible reconsideration. After speaking with the rep they reassured me that I would not get a hard inquiry as a result of my reconsideration inquiry. The next day I received another hard inquiry for the same card... so two inquiries for one card which is now having an unnecessary adverse effect on my credit report. In the end, I never received the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy XXXX in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to Experian, XXXX, and XXXX. Also dishonest disputing methods were used because nothing was able to be validated as accurate.