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

Summary : I believe that Equifax is in violation of Federal consumer financial laws. Please require Equifax to timely provide me with copies of my free annual credit report immediately and annually hereinafter without delay or further harassment. And please require Equifax to allow me to request and receive copies of my free annual credit report online rather than requiring me to send my requests in writing. 

Timeline of Facts : XX/XX/XXXX - I tried to request a copy of my free annual credit report from Equifax online. Equifax refused to provide me with a copy online. Equifax 's automated online response to my request was that I could not request a copy of my free credit report online. Equifax did not provide any specific reason as to why not. It stated that I had to send a hardcopy of my request. 

XX/XX/XXXX - I sent to Equifax another request for a copy of my annual credit report. I used Equifax 's Annual Credit Report Request Form ( hardcopy ). I sent the request form with the requested supporting documentation to Equifax by US Mail to Equifax 's listed address which was XXXX. XXXX XXXX, XXXX, GA XXXX. 

XX/XX/XXXX - Approximately 45 days after my initial request for a copy of my annual credit report, I received a letter from Equifax requesting me to submit yet another request with additional supporting documentation in order for me to obtain a copy of my annual credit report. 

XX/XX/XXXX - I sent to Equifax yet another request for a copy of my annual credit report with the requested supporting documentation. I sent the request by US Postal Service letter to Equifax 's listed address which was a different address than was previously provided to me. Now I was being requested to send it to XXXX. XXXX XXXX, XXXX, GA XXXX. Equifax did not provide me with an answer as to why they changed the address or why I could not obtain a copy of my credit report online or why it did not fulfill my prior request for copies of my credit report. 

XX/XX/XXXX - It's now the XXXX XXXX ( XXXX ) and I am am still sitting here waiting for my a copy of my annual free credit report from last year ( XXXX ). Its been approximately 95 days since my initial request, and approximately 48 days from my last request, and I still have no free annual credit report which, by law, Equifax is required to provide me. Not even a timely response from Equifax. Nothing.
Product: Credit card

Over 40 days ago {$3.00} charge on my card that was fraud From Texas. Called cc and thought all was taken care of ..received overdue bill for the {$3.00} plus small late charge. I called them 4 times and was disconnected every time. Did talk to 3 different people. This is effecting my 800+ credit score. Due to there incompetence. Have request they call me to fix this with 2 emails. No response.
Product: Student loan

In XX/XX/XXXX I completed my required annual income certification for the income based repayment plan. I received confirmation of approved on XX/XX/XXXX. I also applied for PSLF and my loans were transferred from XXXX to XXXX XXXX on XX/XX/XXXX, I recieved the official letter of transfer. The new loan servicer ( XXXX XXXX   ) states that I NEVER completed my annual income certification and that my new payment amount is almost way more than I was approved for. I was forced to request a forbearance which could impact my consecutive payments under an IBR for PSLF. They say that I have no choice but to go to XXXX and request a new Income based repayment plan all over again because the " information didn't transfer over ''. I did everything I was supposed to do and the servicers are the ones that messed up, not me.
Product: Credit reporting or other personal consumer reports

As you can see by attached proof from XXXX XXXX, I've made 23 payments on time over the last 23 months and my current balance is reflected as XX/XX/year> was XXXXXXXX XXXXXXXX XXXX had an issue on their end and had to reset up plan in XXXXXXXX I've asked them multiple times to update my credit report as current and reflect current balanceXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH Both made unauthorized inquires on my credit report.
Product: Mortgage

My issue is described below in the letter that I have mailed to PHH Mortgage Services. The letter reads as follows : To Whom It May Concern, My mortgage loan was recently picked up my PHH Mortgage Services. I created an online account XXXX of XXXX and began paying my mortgage online via your website. I successfully made my XXXX and XXXX payment of XXXX. 

Today, XX/XX/XXXX, I logged onto my PHH Mortgage account and noticed that my XXXX payment had not yet been made. I tried to make an online payment, but your website stated that I could not make a payment at this time and I must call your customer service center for more information. I then placed a call to your customer service center as directed by your website. 

Your customer service representative, XXXX ID # XXXX, informed me that I could not make online or over the phone payments as an Amendment must first be signed and returned. She informed that that this Amendment is required to be signed by a new State Law. She was unable to state what new state law required this. 

I then asked why I was not informed of this change sooner and given the appropriate amount of time to sign the amendment and return before I would be locked out of paying my mortgage via online payment. She again was unable to answer my questions. She has assured me that no late payment fee would be applied for the month of XXXX, XXXX while the Amendment was being mailed to my residence which was not mailed until today. 

I am extremely upset with this process that PHH Mortgage has implemented. If I would have not logged onto my account, I would have assumed that my autopayment would have processed and never known that my XXXX mortgage payment was not paid. I am sure PHH Mortgage would then apply a late fee and report it to the credit bureau where it would have adversely affected my credit score. 

PHH Mortgage should have sent a notification to all of its customers of this change months in advance. I can only imagine how many others are experiencing this same problem and will miss their payment. 

I am requesting a phone call with a PHH Mortgage representative who has the power and authority to discuss this issue and make it right not only for myself but all of your customers. I can be reached by email at XXXX and by cell at XXXX. A copy of this letter will be sent to the Consumer Financial Protection Bureau and an official complaint filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires wasn't authorized by me. 
XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified affidavit to TransUnion twice and yet they have ignored me i sent a affidavit identity theft to them as well # XXXX as well as a CFPB # XXXX and still ignored why don't you all get on these crooked credit bureaus for violation of the FCRA you all just send them the same documents that i uploaded to CFPB and these documents are sent to some other country who do not even verify anything there is nothing ever done i would really like to see someone do something about this knowing that this is surely a violation. the CFPB is suppose to get on them in regards to any matter that a consumer disputes. PLEASE DO YOUR JOB
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Been trying to resolve the issues with wakefield & associates and i explained to them that I didn't reside in XXXX, TN where the original collection was from, i even fax the a copy of my driver 's license and my insurance card to prove to them I didn't reside in XXXX or the state of TN. 

This is their fax number that was given to me by their agents : XXXX XXXX XXXX XXXX. 

They verified they did receive the copy of my ID and my insurance card and Instead of working with me to resolve the issues, they still insist that I owed them the money even though is obvious that my ID showed different state and address, they even threaten me by assuring me that they are going to destroy my information and they did follow through with the threats of destroying my credit history and now my credit reports show that i owed them money. 

Please assist me on this issues and punish them as the fair debt collection practices states they shouldn't threaten the individual and instead this company not only threaten me that they are going to destroy my credit, they follow through with their threats and now, my credit reports was destroyed by them.
Product: Debt collection

I was looking over my credit report and I received a notification on XX/XX/2018 from " Diversified consultants '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " XXXX XXXX XXXX '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for XXXX XXXX XXXX to be deleted immediately. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently pulled my credit file from all 3 credit bureaus and was overly shocked. I discovered credit inquiries on all 3 not authorized by me. What a travesty! Guessing, like our government, you can do what ever pleases you without any permission.
Product: Credit reporting or other personal consumer reports

The first credit report that I sent to the XXXX XXXX XXXX they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they can't verify them than remove them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent the Transunion credit bureau a certified letter requesting the removal of XXXX XXXX XXXX from my credit file, due to the agency 's failure to provide debt validation. When I initiated a CFPB complaint against XXXX XXXX XXXX, they provided a document stating they sent me validation, but the document contained an incorrect address that I was never associated with in my life and it was missing the items I originally requested ; however, XXXX XXXX XXXX used that as justification of sending items to a erroneous address to be able to place the collection account on my credit file. This deceptive practice from XXXX XXXX XXXX directly violated my consumer rights protected under the Fair Debt Collection Practice Act. This federal law protects consumers from abusive debt collection practices by requiring debt collectors to provide information about the debt when requested, including verification of its validity. To prove my case to Transunion, I submitted the document that I received directly from XXXX XXXX XXXX with the incorrect address as justification to highlight this violation of the FDCPA law and requested removal from my credit file, but that request was denied. 

Transunion as a credit bureau is legally obligated to remove errors from a credit report if you dispute them and provide sufficient evidence that the information is inaccurate ; this is mandated by the Fair Credit Reporting Act ( FCRA ) which requires them to investigate and correct any errors within 30 days which in my case was not completed. I provided the documentation of the violation, yet Transunion allows the collection account to remain on my credit file, thus assisting XXXX XXXX XXXX to continue to violate my consumer rights.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Money transfer, virtual currency, or money service

I did a money transfer from my bank account to my cash app account for {$180.00} however I did not use the cash app card I tried to send {$180.00} dollars back to my bank account it was canceled for the transaction called cash app XXXX and spoke with XXXX from cash app he told me me to download two apps # 1 XXXX XXXX # 2 XXXX XXXX  so those apps can view everything on your phone in the interview process he told me to push in {$100.00} the XXXX XXXX dollars came from my bank account with him on the phone my bank Frud protection services called me and asked if Arthurise this transaction after I got off the phone with Mr. XXXX I told my bank no I didn't my bank closed my debit card I called cash app back after back and forth with saying that I was refunded and I made a cash app transaction to another account / I tried to tell them that how did the money get into my account and back to the cash app when my debit card was not working ) ) please look into this matter..
Product: Mortgage

My loan service company changed XXXX XXXX XXXX. After the new company ( Shellpoint ) did an escrow analyst it is showing a shortage of almost {$9000.00}. Come to find out they never got proof of me paying hazardous insurance since XXXX. Ive always had lender placed hazardous insurance because it is cheaper for some reason but the company is telling me that it is my responsibility to find all the policies for the last 13 years. I want to know if this is legal and if they can back charge me for this. It even shows in their system two insurance claims Ive made, XXXX & XXXX.
Product: Debt collection

I've made contact with the company more than once. The debt was result of an identity theft case in which the fraudster was caught and prosecuted where the debt was created ( a fraudulent apartment lease ). The company that created the lease using the fraudster 's fake ID and fake name ( which did not match my name on my credit file ), was present at the trial. They requested NCC Business Services stop making attempts to collect this debt in the amount of {$7100.00} for a lease that was abandoned and property damages. In XX/XX/2015 NCC provided me with a copy of the lease and ID, both in a fake name, and a fake ID of the young man who was charged in the District Court of Maryland XXXX  County. Despite providing my driver 's license and the more than 20 fraud accounts that were created by this criminal, NCC Business Services remains the sole business that continues to attempt to collect and is damaging my credit file with this fraudulent account. I've contacted this business more than 10 times, providing all requested documentation, and yet they refuse to do the lawful thing. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach a live person to speak to at XXXX  credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my XXXX credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX has deleted the account I do not understand why XXXX  and transunion are still reporting this. I contacted XXXX and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to XXXX  and transunion as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX has corrected it but experian just keeps updating the same information. The last one is XXXX  XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because XXXX  doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1XXXXXXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

On XX/XX/XXXX, I signed up for the XXXX XXXX Citi Platinum card via a link on the XXXX XXXX website that promoted the following promotion : Earn up to {$400.00} statement credit on eligible XXXX XXXX purchases in the first 6 months of account opening. Plus, earn XXXX bonus miles after {$1500.00} in purchase within the first 3 months of account opening. The link led me to the sign-up page and asked me for my information. Upon providing my info, I was told that I was approved and that my card would be sent within XXXX business days. I received my card and purchased my airfare on the XXXX XXXX website on XX/XX/XXXX. I wait until my first statement came out to see if the {$400.00} credit was applied and it was not. I then called Citi on XX/XX/XXXX and informed the representative of this. The representative stated that they would open a case to get this looked into. They also said I would receive a resolution via email. I waited until XX/XX/XXXX to call again and check the status as I did not receive an email. Per the representative, the case was closed on XX/XX/XXXX stating, the {$400.00} promotional credit was not applied as this promotion is not included on my account. I requested to speak to a supervisor and they informed that when I signed up, I did not select the {$400.00} credit offer. I informed the supervisor that I did not have an option to choose the offer I wanted and was supposed to receive both. They refused to give me the credit based on their findings within their system. This appears to be a common practice by Citi bank as many individuals have reported the same feedback via a XXXX post I found. I'm very displeased with Citi and find this practice to be dishonorable and greedy on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : XXXX XXXX Compliance and FCRA XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ). 

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the XXXX XXXX compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and XXXX XXXX guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly. 

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I never received the funds from a closed Savings Account once the bank in question was acquired by another bank