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

After finding out that Equifax had wrong name associated with my account and having placed six calls on why there was a freeze on my account it still was an issue. As requested by the company I mailed copies of my drivers license and social security card to them to correct the name. I received a letter saying this issue was resolved. Now today it is coming out that they are placing a fraud alert on my file since this issue was not resolved. This is a never ending problem with Equifax and incorrect reporting issues with them regarding my name and credit freezes. 


I then placed 3 calls within the last 2 weeks and have attempted to remove the freeze and the fraud alert on my account I am still not able to get my credit union a credit report from this agency. Attached is an email from my credit union as of today. This problem dates back to XXXX when I first filed this complaint with this Bureau. 

When calling them when you want to remove a freeze instead of offering an option to place or remove the automated system automatically places another freeze. So this ends up going round and round having to speak to someone who barely understands English as a second language. It takes no less than 20 minutes to get through the voice mail decision tree, texts to confirm identity so the calls take over 30 minutes once you get through to speak with someone who doesn't understand nor takes care of the problem. 

Here are the case numbers from last week and earlier today, there was a case number today but was unable to understand the CSR and could not right it down. XXXX & XXXX I need my file cleared off so I can get my autoloan approved. If this is not resolved I will call my legislators at both the state level and federal level to report these issues. The credit bureaus are impossible to work with and should be abolished!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Inquiry Included in Dispute : XXXX XX/XX/XXXX
Product: Credit card

I used rewards I had earned to pay off my balance to {$0.00}. I am now being charged with an interest charged because statement credits are not the same as payments. My balance was {$0.00}. How could I pay more?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Before applying instore for the kohl 's card, I asked the associate several times if this was a soft or hard inquiry. She ASSURED ME kohl 's only did soft inquirys and that itwould not show up on my credit as a derogatory remark even if I was denied. Now I check my credit which I am working to fix and find that the associate wrongfully informed me and pressured me into this application which is negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX repo my car In XXXX OF XXXX. THIS WAS ILLEGAL AND THIS CAR WAS PAID FOR OUT OF MY XXXX XXXX XXXX XXXX. THE XXXX  ACCOUNT. YOU TRY TO GET PAID TWICE. DOUBLE DIPPING. NEVER GAVE ME MY XXXX FORM FROM REPO MY CAR. I FILED A XXXX FORM TO THE IRS. AND XXXX FORM. NEVER GOT MY XXXX XXXX FROM THEM. THEY PUT FALSE PAYMENT ON MY CONSUMER REPORT. XX/XX/XXXX {$250.00}. PROVE THIS PHONEY TRANSACTION.
Product: Credit card

It has been several years now, I did n't know about the CFPB at the time, my sister and I had inherited our grand parents house a XXXX family building. We were fixing and selling it, in the mean time she had found out XXXX, on the same day she got notice to appear in court for a Capital One credit card that she had fallen behind on cause she was being treated XXXX and not able to work XXXX The XXXX on her mind she had forgotten about it and no one else knew about it. She had signed the house over to me to cover a loan we had on the building for down payment on a house she was getting with her daughter. She passed away about a year later, we finished on the building and put it up for sale. We had gotten a buyer and when we went to close found out there was a lean on the building from Capital One for the loan my sister owed, well her loan started out at about {$2000.00} and at the closing was over {$5000.00} and had to pay before we could close on the sale. We knew nothing about this and was never notified about the lean if we had been we could have paid off the loan earlier. When we called and talked to the lawyer that was handling the loan he said they did n't have to notify anyone, if we had n't sold the building when we did they would still be adding interest to the loan and we would n't have known about it. My complaint is that people should be notified about these leans when there are more than one name on a property cause if we had n't sold that house till 20 years down the line can you imagine what the amount of interest would have built up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Report dated XX/XX/XXXX, AES shows I'm late XXXX, XXXX, XX/XX/XXXX. This report also shows I'm was late XX/XX/XXXX. 

XXXX Report dated XX/XX/XXXX, now shows I was on time all of XXXX. They completed deleted my late payments. And this report states I was on time XX/XX/XXXX. 

Why does this company keep changing my past due dates? 

More recently, after my dispute with XXXX dated XX/XX/XXXX, they changed the date this account was first reported, from XX/XX/XXXX to XX/XX/XXXX. Again, why does this company keep updated and changing the dates on my report? 

Furthermore, not AES nor XXXX have supplied me with the information used to verify and validate my profile the way it is being reported to the credit bureaus. In addition AES states they no longer are in possession of this loan. If they are no longer in possession of it what do they keep incorrectly updated my file? 

Lastly, this account and case was dismissed by a Florida judge because after 11 months they refused to submit any documentation that substantiates their claim that I was in breech of a contract. 

This matter has been escalated to Florida Attorney General XXXX XXXX XXXX  Consumer Protection Division and I'm actively interviewing attorneys to proceed with litigation.
Product: Credit reporting or other personal consumer reports

NOTICE OF MULTIPLE FEDERAL LAW VIOLATIONS AND DEMAND FOR IMMEDIATE REMOVAL Re : Unauthorized Hard Inquiries dated XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRREFUTABLE LEGAL VIOLATIONS : 1. DIRECT FCRA VIOLATIONS : A. 15 USC 1681b ( a ) VIOLATION : " A consumer reporting agency may furnish a consumer report ONLY if : '' - Written instructions from consumer exist - Permissible purpose is certified NO SUCH DOCUMENTATION EXISTS B. 15 USC 1681b ( f ) VIOLATION : " A person shall not use or obtain a consumer report for any purpose unless : - The consumer report is obtained for a purpose for which it is authorized - The purpose is certified '' NO CERTIFICATION EXISTS C. 15 USC 1681q CRIMINAL LIABILITY : " Any person who knowingly and willfully obtains information on a consumer under false pretenses shall be fined, imprisoned, or both '' 2. PRIVACY ACT VIOLATIONS : 5 USC 552a ( b ) states : " No agency shall disclose any record ... without prior written consent '' - No consent provided - No authorization exists - No permissible purpose documented 3. ELECTRONIC FUND TRANSFER ACT : 15 USC 1693e : " A person may not condition extension of credit on consumer 's repayment by electronic means '' - Multiple electronic credit pulls without authorization - No electronic consent obtained - No written agreement exists BURDEN OF PROOF : Under FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : " 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 '' The burden lies with the furnishers to prove : 1. Written authorization for each inquiry 2. Time-stamped applications 3. Signed consent forms 4. Permissible purpose certification NO SUCH PROOF EXISTS MANDATORY REMOVAL REQUIREMENTS : Under FCRA 15 USC 1681i ( a ) ( 5 ) : " If information is found to be inaccurate, incomplete, or can not be verified ... the information shall be promptly deleted '' LEGAL PRECEDENT : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : - Requires immediate removal of unverified information - Places burden of proof on credit reporting agencies- Establishes strict liability for violations
Product: Credit card or prepaid card

My XXXX Member Rewards credit card account, which was previously being successfully managed by XXXX XXXX XXXX, was transferred/sold to Comenity Bank with an effective date in early XXXX. Despite the fact that it was specified that monthly statements prior to the transfer ( for consumers with paperless statements/billing ) would be available online now through Comenity ( see screenshot from approximately XXXX weeks ago ), the statements are not available. Comenity customer support representatives on the phone have been unhelpful, suggesting that I contact XXXX XXXX XXXX to get copies of my prior statements. XXXX XXXX XXXX stated that they transferred the account and that they no longer have the statements nor are they obligated to provide them to me. Comenity Customer Service then suggested submitting a form on their website, which initially seemed to have gone through, but I later received an email stating that there was a " technical glitch '' and the message/form was not delivered. I responded to that email on XX/XX/2022 and have heard nothing back. I have also mailed them a request for statements ( paper mail ) as instructed by their phone customer service agents and have not heard anything back. Now ( as of XX/XX/2022 ) I can not even log into their website, which gives the " technical glitch '' error again, and I just called their customer service XXXX number again only to be told that the system is down and they can not help me nor can they give me a date/time of expected recovery ( only told to try again tomorrow ). There are purchases I made using the original XXXX XXXX XXXX  XXXX XXXX ( prior to the transfer ) for which I am now eligible to be reimbursed by a third party, but I need to submit the statements and I can not access them. This is costing me approximately {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The only name that should be on my credit report is XXXX XXXX XXXX The only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX I do not wish to list any phone numbers on my credit file Any other names and or addresses listed are incorrect please remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX
Product: Student loan

I was denied loan forgiveness under the TEPSLF stating I had not made enough qualifying payments from a recent letter dated XX/XX/XXXX. I had XXXX on XX/XX/XXXX, and still have XXXX as of XX/XX/XXXX. I have submitted all my Public Service Loan Forgiveness Certifications forms from my employer, and yet they said they have not had time to update my payments, which disqualifies me for student loan forgiveness. They can not give me a time line as when this will be updated and laughed at my request. I have been through this before with them, and NOTHING HAPPPENS. I am so upset at the lack of cooperation, honesty, horrible communication, and lack of respect. My loans are to be forgiven this XX/XX/XXXX. I have never missed a payment and have followed all the rules regarding PSLF, it makes me sick at how this company can be so dishonest.
Product: Debt collection

To Whom It May Concern : On XX/XX/2018, I tried to open a bank account at XXXX XXXX XXXX as was denied due to an amount of {$330.00} reporting to XXXX by XXXX XXXX XXXX, now known as XXXX XXXX. After calling the bank to inquire and asked about how long it would be before the account was removed from XXXX, I was put on hold then blind transferred to a collection agency by the name of Convergent. 
The collection agency answered the phone after a blind transfer, how may I help you? As I was blind transferred at that time, my girlfriend identified herself as XXXX XXXX and the collection agency failed to get my authorization to speak with her and failed to mention company name and/or give mini miranda. At this time, the collector didnt know the answers to the very specific questions regarding the account they were collecting for their client, XXXX XXXX/XXXX XXXX. Not to mention blindly transferred to them without knowing it until later on when my girlfriend clarified from a very late Mini-Miranda. 
The questions being asked by XXXX XXXX were specific to the account Convergent was collecting for She wanted to know more about the ChexSystems process, which is the question I had initially asked the bank before the blind transfer. He continued to tell her he didnt know when the account would be deleted from XXXX. After clarifying I was transferred to a 3rd party collection agency, she asked for a supervisor that may know the answers to the questions she was inquiring about. 
She also failed to mention the Mini-Miranda, also asking for the name on the account my girlfriend again stated her name and they continued to discuss the account without getting authorization from me. They even asked if the account was for XXXX XXXX. She said yes. These are clearly violations of the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : - My girlfriend was with me and wanted her to speak with the collection agency. Collection agent answered the phone how can I help you at this time I didnt know we were even on the phone with collection agency ( Convergent ) Mini Miranda was not given by collector until later in the call. 

- Collector asked for name and my girlfriend clearly identified herself as XXXX XXXX and at that point they continued to give her information without asking my permission. 


- Supervisor by the name of XXXX XXXX advised her after the conclusion of the call that she didnt violate any laws by speaking with me and she can talk to anyone who calls. 

- In addition, when I contacted the company regarding the debt in XX/XX/XXXX, they failed to send me validation of the debt.
Product: Debt collection

Collection agency repeadly contacts me with aggressive tactics threatening me over a " parking violation '' for {$87.00} from an XXXX XXXX XXXX ( acct XXXX ) that I have never used or been in contact with. I have never received an invoice or any type of bill from the company.
Product: Mortgage

In XX/XX/XXXX I entered into a HELOC with U.S bank for a Line of credit of {$1.00}. The rate was 2.25 % interest only mortgage for 5 years. I made all my payments and taxes for 5 years.I had talked to XXXX XXXX, in the XXXX XXXX XXXX in XXXX WI, and who had originated my loan. I talked him 3 times and he assured me that it would not be a problem to renew to mortgage. In XXXX or XXXX  on XXXX had left his position.
I called to see if anyone could assist me but to NO avail. The problem is the U.S bank only services the loan but has NO money in the loan and therefore has so incentive to work thing out. Early in the process, after I realized that my " modification '' was going nowhere I told them I would pay them 5 years of payments and 5 years of taxes up front as good faith. They told me that they could not because the loan was due in full.
In XX/XX/XXXX I left my position to become a XXXX XXXX after 25 years in the XXXX XXXX XXXX profession in which 20 years I owned my company so I am very familiar with to whole process in including the XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX because in how the mortgage servicing was handled I had a XX/XX/XXXX and was hospitalized for 3 weeks and I am still on XX/XX/XXXXtoday. The doctors said the XX/XX/XXXX occurred due to XXXX which was at least partially and entirely the way the mortgage was handle for 2 years. Had they just renewed the mortgage note none of this would have happened. In XX/XX/XXXX i secured a position with XXXX XXXX but I have since lost that position due to my XXXX. I was only in the position ofr 3.5 months. That position paid me {$120000.00} plus incentives up to about {$190000.00}.
I have had at least 10 employee relationship managers and No one who can a decision. Also in XX/XX/XXXXwe had a offer for {>= $1,000,000} that finally got pulled inXX/XX/XXXX ( more that 11 months ) because U.S bank could not make a decision.
I summary I have never experience anything like this. It has been over 4 years since my balloon was due and I made numerous attempts to resolve it. There is about 4 years and 4 inches of correspondents which is too much to email. I have sent you the statement from XX/XX/XXXX showing my balance and the amount due. I can mail the rest of file if it is requested
Product: Vehicle loan or lease

Boeing employee credit union charged me fees for gap XXXX insurance that I didn't get and an extended warrenty XXXX that I didn't get refunded or the extra insurance they put on my lian that cost about XXXX in XXXX each and becu kept that refund as well as made me get a savings account and directly deposut y ssi check into and they froze my account for parent and only took it out the payment every once in awhile ruined my credit score they supplied me with a lian I couldn't afford or qualify for that XXXX loan on ssi XXXX XXXX a month they sold me a car that car company defrauded me by not disclosing it had been wrecked repaired resold ad a newer used car I went to a different dealer ship and that's how I found out they collected insurance on car first time and collected refund for their in insurance they put on contract my payment was increased from XXXX. To XXXX .month when I found out I valetaryly gave the car back but they purposely waited several months and charged me fees that shouldn't of accumulated and when they sold the car they made a profit on sake I believe they owe me XXXX from profit of sale and all itherrefunds and fake extended warrentys that still sendse a paper I mail to renew becu ruined my credit and now says I owe them after all their defrauding me and the sales if car and phoney charges XXXX owe after paying on car for two years direct my through ssi depositing every month wasn't late ever but becu would only pay out of savings when they wanted too so my credit score went from XXXX to under XXXX score totally this bank is iam not the only one becu us kmowen for these kinda shady practices XXXX is only a fraction of what becu owes me