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

equifax, both on the web and on the phone -- at hours they themselves by written word say they are available -- make false claims ; and won't enable me to lift the freeze. On the web they tell you to enter my email address ( XXXX ). But when I did as instructed they told me it didn't match the one on file, or, they sent a needed link to the secreted email name. They wouldn't let me in. And, that, after telling me I could lift the freeze easier thru the website, they belie their own words. Blatant, fraudulent actions SOLELY ON THEIR PART. Those people are evil liars. And since, in writing several ways/times, they purposely SWITCH the rules. CLEAR LAW BREAKING!!! 
Next, I tried the phone GRUELING/TORTUROUS as it was, about six times for a minimum total each time of TWENTY minutes. Even when they sometimes say they'll put me through to an agent, the ultimate response is : call back when they are there! BUT, THEY WROTE, they WERE there then. Another MISREPRESENTATION. 
AND what is the only option they gave me? That I MUST give them my mobile number, and I NO LONGER HAVE ONE. Though I've TOLD THEM ON SEVERAL PREVIOUS ENCOUNTERS with them that they need an e-mail or voice-call option workaround, DOGGEDLY they HAVE NOT provided those REASONABLE ALTERNATIVES. And they violate the statutes again by INVOKING AN OBSTRUCTIVE CONDITION the LAW never REQUIRED. THEY'RE NOW LAWMAKERS AND LAWBREAKERS in their own little ALL-CONTROLLING, ALL-PWERFUL, SADISTIC-OBSTRUCTIVE bubble of a world. 
GENTLEPERSONS, it's time you BURST their bubble!!! 
AND, those of them who have designed that implement of MEDIEVAL TORTURE and BY INACTION AFTER POLITE PETITION FOR CHANGE refused thereby to STAY AN ILLEGAL COURSE OF ACTION, WELL, THEY NEED TO BE BROUGHT BEFORE A GRAND JURY AND be INDICTED, TRIED AND CONVICTED of all their WILLFUL, PURPOSEFUL violation of The Laws, be IMPRISONED FOR AT LEAST FIVE YEARS!!!!!!!!!! I contacted my lender, and she said MANY OTHER CONSUMERS had had this experience with Equifax. THEY NEEDTO BE FINED, and FORCED to alter their setup to one MUCH MORE HUMAN AND REASONABLE. 
They could use XXXX  or XXXX  as MODELS for their OWN NEEDED redesigns!!! 
XXXX  and XXXX  were a joy to use : freezing OR UNfreezing of credit accounts. 
THE ONLY rotten apple is Equifax. 
Please PURSUE EVERY course of action you can IMAGINE against Equifax itself WITH HEFTY FINE AND PENALTIES ; AND EVERY TORTUROUS turn of the SCREW against THOSE EVIL PETTY DESIGNERS/RULERS of the Equifax MACHINE. 
They NEED to SERVE some PRISON TIME. You can begin with a MINIMUM PRISON SENTENCE of FIVE years. 
PLEASE GET THEM!!!!!!!!!! 
THANKS!!!
Product: Checking or savings account

I was trying to pay my rent by XXXX if I did not complete payment by then I would have to pay a {$120.00} late fee. I arrived to the location at XXXX. Upon attempting to make payment my card was blocked. XXXX minutes later I received a text asking if it was me. I confirmed it was me and they said I can now use card. Once I tried to use my card again it was blocked. I waited on hold for XXXX minutes before I got in touch with a representative. At this point the location closed and I now have to pay a extra {$120.00} late fee due to incompetence by the banking institution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, amended & restated my tax returns from XXXX & made themselves my conservator. My home was sold by my former employer in XXXX, using my XXXX XXXX ss #. The XXXX Family is also involved with organized crime. The Family made copies of my mortgage at XXXX XXXX XXXX XXXX TN using my signature. They refinanced my home with XXXX XXXX XXXX, this was done in XXXX with US Bank. The XXXX Family have property in Texas, XXXX XXXX. XXXX XXXX XXXX XXXX forged my signature to steal {$100000.00} from XXXX XXXX & sent to US Bank mtg .
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last XXXX months, I have been trying to correct my credit report and I have been told by the XXXX XXXX XXXX, such as XXXX, XXXX, and Transunion. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, Experian and XXXX credit reports and I can see account reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXX, CA ( not on your list ). They misled and inflated their promises of 100 % job placement. They also manipulate their attendance records for their own gain. I was sent to an intern site during my second month and then called after 3 weeks that I would be dropped for non attendance. I was then told that I need to get back to class. When I went back, I missed 3 weeks and was sent to a room across the hall and told to read through the material and do the assignments. Essentially, I was told to teach myself. I did not understand it and did the best I could and amazingly I finished XXXX XXXX XXXX XXXX with honors. I did not know how to bill and only knew some coding from a previous XXXX XXXX class. I never received any job assistance and was also never certified as I was told. I received nothing but wasted time and debt. I was in forbearance and hardships for years before being told about income based repayment. Navient led me into years of high interest debt being in forbearance and hardship, also for their gain. Before the AG Settlement payments, I was told I did not have to do anything to receive a {$450.00} settlement check and possible forgiveness. I have not received any settlement or talk of forgiveness. I have called AG Settlement several times, and was told on 3 occasions that my case was being expedited and I would receive a check 4-6 weeks. Never received a check or correspondence. I have been told to call the Attorney General, they referred me back to AG Settlement, who referred me to call Navient, who referred me back to AG Settlement. I went on the Attorney General website and emailed a complaint XXXX  and also mailed ( USPS ) them a complainXXXX XXXX XXXX have never heard from anyone. I called back to AG Settlement and was told that there is no check and they are very sorry for the misinformation. I was then told I could contactXX/XX/XXXX Consumer Financial Protection Bureau and Federal Student Aid Ombudsman. Consumer resources is the same site that I sent a complaint by email and USPS to the Attorney General. Next I will see where the Federal Student Aid Ombusman takes me. I attended this school XXXX. I do not remember exactly. The school is closed now but when I attempted to get my transcript, I was told there are no records. So why am expected to pay this loan? And why am I not entitled to a settlement that I fall in the category of. It sure feels like discrimination.
Product: Debt collection

XXXX   XXXX   XXXX ,  XXXX  continues to collect a debt well past t he seven year limit. Last payment was made to the original creditor almost ten y ears ago. They still contact me and refuse to remove from credit report.
Product: Checking or savings account

I made a dispute with Chime regarding fraud. Within 5 days they closed the investigation and failed to comply with EREG.
Product: Credit card or prepaid card

American Express Executive Platinum promises {$200.00} in credit on XXXX XXXX ancillary purchases each year. I made a {$50.00} qualifying purchase in late XXXX, and then canceled the card. They billed me for the purchase and refused to give me the credit. I filed a dispute in XXXX. I have asked several times about the status of the dispute, and all I am told ( with online chat ) is that the department that handles such problems can't be reached in person, either by me or by other AmEx employees. Today I was told that disputes are resolved in three billing cycles. It has been four. Every month I receive bills for {$50.00} stating " Pay Past Due Amount Immediately '' and " you may be charged a late fee of the greater of {$38.00} or 2.99 % of the past due Pay In Full amount if your payments is not received by the Next Closing Date. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency Equifax is reporting a fraudfully account on my report that does not belong to me. 
XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$12000.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX I disputed this account and i would like a through investigation on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my XXXX XXXX credit card charge off. XXXX XXXX  did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.
Product: Credit reporting

On XXXX XXXX, I went to the Experian website to remove a freeze that I had previously placed on my credit report after XXXX got hacked. The number associated with that freeze is XXXX. I entered my debit card info for the {$10.00} charge to remove a freeze. Experian then charged my account XXXX separate times at {$10.00} each. I have been unable to get a response via phone ( interminable hold for an agent ) or via customersupport@experian.com.
Product: Vehicle loan or lease

In prior complaints I have requested the original XXXX and buyers order from Both Capital One and XXXX XXXX. I was sent these documents. ( Attached to this complaint ) I have responded to XXXX XXXX telling them this is not what I signed. His email to me was offering me {$500.00} to basically drop my complaint and I refused. This is now a case of fraud. The purchase was done online not in the dealership. I was sent documents to sign in front of a notary on the XXXX of XXXX which now shows these documents are fraud and were done before I signed the real paperwork. I never agreed to this buyers order. I was sent documents that showed the car was in an accident that I was never aware of and would have never agreed to purchase If I knew this. I was the main buyer and the co-borrower is XXXX XXXX on the original notarized documents we signed. Please provide me with the notarized RIC and buyers order signed with the notary by XXXX XXXX as buyer and XXXX XXXX as co borrower. I am attaching the email to show the documents were sent to me after this date of XX/XX/XXXX. So these are not valid documents you have presented to me. You can see them email sent to me on XX/XX/XXXX is an affidavit to have signed in front of a notary. Then all other buyers orders were sent to me as well to be signed. How did XXXX XXXX get funded XX/XX/XXXX without me signing or agreeing to anything? You can also see they have the buyers order with me as the buyer and XXXX as co buyer. This is why XXXX XXXX XXXX XXXX, is offering me XXXX now. ( See his Email )
Product: Checking or savings account

On XX/XX/XXXX, a booking company ( XXXX ) charged me {$1900.00} for a vacation package that they chose to cancel on XX/XX/XXXX. The merchant stated they were not issuing refunds and instructed customers to contact their banks for refunds. I disputed the charge on my debit card with Discover Bank immediately on XX/XX/XXXX and they gave me a conditional refund and told me it would be no problem and they were very sorry this happened to me. I was re-assured that disputing this would be no problem, even though I feared it would be since the transaction was on a debit card and not a credit card. 

On XX/XX/XXXX I received a letter in the mail from Discover Bank, dated XX/XX/XXXX, stating that they deemed the charge valid and would be taking back the refund they gave me over 2 months ago. I am now about to close on a house and can not afford to be out nearly {$2000.00} when I was re-assured in XXXX that this refund would not be a problem at all. I am told that because of Regulation E, they can only dispute the charge if there as a banking error. I think there is an error that I am not refunded for an order that the merchant canceled. Discover Bank also stated that the merchant told them they refunded me {$1000.00}, which is incorrect ( also unacceptable as this is only half on the charge ). The customer service rep even confirmed that this refund showed up nowhere in my account and they never received it. This also sounds like a banking error. 

Regardless, I know of countless other people whose trips were canceled by this merchant, and they were able to receive refunds on their debit card transactions. I have been a loyal customer to Discover for credit cards, banking, and a personal loan through my spouse for years. I have referred many friends to use Discover as well and have always known them to do what's right for their customers. Refusing to fight for your customer 's hard earned money is not what's right.
Product: Credit card

I purchased online furniture and was allowed to apply for the record and even put things in my shopping cart. I later went and logged in the shopping cart was empty. And I was told a flat out misleading lie. I didnt have an account how can I be denied my own credit? I wasnt denied they got paid for the items I ordered them in attempt to defraud they claim. I didnt have account then it went I didnt qualify. Whatever lie they chose to try and continue to defraud is there issue. Im just seeking the things I chose to be delivered to address given. Without anymore attempts to defraud or steal. I will not play how much do I know legal games with the company. If ALL/EVERY item I chose I wish to be delivered to me XXXX hours from day they receive this complaint / notice thats is being given on a government platform. To start sending me my past, current and future debts. That way I can buy ky own furniture etc I do not want to be contacted unless their trying to set up a deliver date and where to send my debts. In the order stated if we can come to a swift fair. Ethical decision and agreement then I look forward to speaking to someone. This is a NOTICE as well as a complaint. I got the furniture for. Business I have and due to all this, it has hindered my business from moving forward and lost of potential income. Which goes into federal tort cause of action claim/complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordances with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 a state i have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish a accounts without my written instruction.
Product: Mortgage

I first e-mailed the Bank of America for a payoff amount on my mortgage on XXXX XXXX, 2017. Although this generated a reply that my e-mail would be answered within two days, I received no reply. I again e-mailed on XXXX XXXX, and again received no reply. I called on XXXX XXXX and received an automated replay that the payoff would be {$18000.00}, and also received a telephonic message that I would have to call and stop automatic payments. The automated phone line would not accept the instruction after hours. I called, I called on XXXX XXXX, waited over twenty minutes to contact someone, asked for a payoff now for XXXX XXXX and was told a letter would be sent. I also was asked to remain on hold while the operator transfer me to someone who could stop the automatic payments. 

I transferred the payoff amount as of XXXX XXXX, but the bank ignored it as a payoff and applied it as a regular payment, deducting an escrow amount and leaving the automatic payment scheduled. I called to get this corrected on the XXXX but was placed on perpetual hold. The bank is misapplying my mortgage payoff and THERE IS NO WAY TO CONTACT THEM. THEY LIST A PHONE NUMBER. AFTER YOU GO THROUGH THEIR SELECTIONS AND ASK FOR AN OPERATOR, THEY PLACE YOU ON PERPETUAL HOLD. THEY DO NOT REPLY TO E-MAILS. THEY HAVE MISAPPLIED MY MORTGAGE PAYOFF WHICH WILL DELAY MY PAYOFF DOCUMENTS, WHICH I NEED, AND THERE IS NO WAY TO TELL THEM SO. I WAITED OVER HALF AN HOUR TO BE CONNECTED TO A PERSON AND LISTED TO " YOUR CALL IS IMPORTANT TO US. WE 'LL BE WITH YOU MOMENTARILY. '' I LISTENED TO THIS FOR 31 MINUTES AND CHECKED FOR A REPLY TO MY E-MAIL EVERY DAY SINCE.
Product: Debt collection

I have sent this company numerous police reports of identity theft for an apartment I never lived at. They requested leases from where I lived during that time. I sent certified mail the leases and they never responded and there have not taken it off my credit report.
Product: Mortgage

Please be advised that this complaint involves Citibank and my previous complaint case # XXXX. Please note that the person named answering the previous complaint XXXX XXXX XXXX XXXX is not the party that actually answered my complaint through the CFPB. I spoke with XXXX XXXX today on XXXX different occasions, where she stated she XXXX ) Is a private contractor hired to help out the Agency and Trust Department of Citibank XXXX ) She is not an employee of Citibank NA and XXXX ) she just returned from being out of the office for an extended period of time. At approximately XXXX I was contacted by XXXX XXXX colleague at Citibank, XXXX XXXX in California who claims she is a VP of the Agency and Trust Dept. at Citibank. She informed me that XXXX XXXX is not an employee of Citibank and there is no way that XXXX XXXX could have answered a complaint from CFPB since she is not an employee of Citibank NA. She stated she would forward my emails to XXXX XXXX to XXXX XXXX at XXXX XXXX. A consumer/homeowner should not be led to believe that a specific person from any bank entity is the party responding to a complaint, when in fact they are not the party at all responding. I have conversed with XXXX XXXX XXXX time today at XXXX and I have conversed with XXXX XXXX on XXXX separate calls today at XXXX. While there is no harm committed with regard to their response in that I should contact XXXX XXXX at XXXX XXXX, it is still misrepresentation that I am being led to believe that an accountable party from Citibank is supposedly answering my complaint, when in fact this is not the case. The fact is that someone else wrote the response and attached the private contractor XXXX XXXX XXXX XXXX to the response to my complaint. I would think this is a clear violation of the consumer protection law. Again, nothing is as it seems. The deceptive web is a finely engineered model, and its intent is clear. I do not blame XXXX XXXX, for how could she have possibly known without my contacting her! There has to be some accountability for this mistruth somewhere though! 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer XXXX. XXXX failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted XXXX and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by XXXX would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, XXXX advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, XXXX. I called XXXX and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is XXXX policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

XXXX, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which XXXX agreed to and approved, according to this letter XXXX still would have reported the delinquencies to the credit reporting agencies.
Product: Debt collection

I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute an inaccurate address and misspelling of my name listed in your records related to my account with XXXX, Transunion, and XXXX, According to the information provided, there is an incorrect address associated with my name, and I believe this is an error that requires immediate correction. 

The inaccurate address in question is : Incorrect Address : [ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] However, my correct and accurate address is : Correct Address : [ XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX ] Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am entitled to request that all inaccurate information be corrected. Please investigate this matter and update your records to reflect the correct address as provided above. 

I would appreciate it if you could provide written confirmation once the necessary corrections have been made. If additional documentation or information is required, please let me know promptly so that I can assist you in resolving this issue as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. 

Sincerely, XXXX XXXX