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

Like millions of other Americans, my credit information continues to be exposed by multiple security breaches. Experian.com refused to freeze my credit online, despite having updated, accurate information on my credit and addresses. Both XXXX   and XXXX enacted credit freezes for me online without a problem. 

Experian demands that I mail my confidential credit information and a copy of my ID to them to freeze my credit. Sending them these hard copy documents is a security risk. It provides all the information needed to steal my identity. Using a firewall-protected, encrypted website with a XXXX is an easier and safer way to submit confidential information. 

How can I get Experian to freeze my credit online as requested?
Product: Consumer Loan

There is a class action lawsuit involving 5th/3rd Bank. It was found that 5th/3rd bank was charging certain customers higher interest rates on auto loans. I qualify to be a part of the class and I am eligible to benefit from the settlement. As advised by a CFPB representative I contacted 5th/3rd bank to get more information however after several calls and tremendous hold time each representative I spoke with did not have and/or refused to give me any information on how to participate in the class.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XXXX - {$XXXX} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

My mother died XXXX/XXXX/2014 and left an unpaid credit card. I went into the store to pay it and learned that they had written it off. ( excused the debt ) When I got home my wife said a collection company called and wanted payment for that same debt. She did n't know it had been written off by the original company and she agreed to pay it. She gave them a check by phone to be cashed a few days later. I stopped payment on the check as soon as I learned what she did. 
The collection company is AscensionPoint Services. They have continued to call me and my wife on our personal phones and her work phone. They say we are n't responsible for the debt but they keep calling. I researched AscensionPoint and found numerous pages of complaints on them being a scam and not to pay them anything.
Product: Credit reporting or other personal consumer reports

I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would liket this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX  In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please proivde the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the credit bureaus to remove hard inquiries on my report that are not mine
Product: Student loan

Both XXXX and XXXX show that I have an open line of credit from a lender called Climb Credit. I never opened this line of credit. I never received a bill or statement from this lender. The website looks rather fishy. On my credit reports it shows that I am late in submitting payments to Climb Credit. I apparently have a balance of about XXXX USD. 

I submitted two disputes to XXXX and they both stated that the information and creditor is legit. I can not submit a dispute on XXXX because the dispute site is always down. 

Once again, I never opened nor have done business with Climb Credit. I tried to remove them from my account and have failed. Please help!
Product: Credit card or prepaid card

I made a purchase with my HSBC credit card, but cancelled the order with the merchant. Merchant accepted the cancellation : " XXXX-Sales Tue XX/XX/XXXX, XXXX XXXX Hello, We're so sorry to be losing your business and will submit your request to cancel. Is there something we could've done better to gain your business? Did you find a better deal somewhere else? 

Thank you, XXXX " Then I received an email nearly a month later : " XXXX-Sales   XXXX Thu XX/XX/XXXX, XXXX XXXX Hello, I am reaching out to let you know that today we tried processing a refund for your order with us, and the transaction was declined. 
There has been a very big push on the Credit Card processors to not do business with companies who sell firearms, and they are not allowing us to process refunds at this time. 
This has caused a huge problem for us as well as our valued customers, and we apologize for the inconvenience. Since we are unable to process the refunds through the Credit Card processer we kindly ask that your credit card company cancels this transaction for your order. We know that this could negatively affect our company, but unfortunately our hands are tied. 

We are so very sorry Thank you for your understanding. 
We hope that you have a wonderful day -XXXX Bless- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX '' I requested an immediate reply from XXXX : " XXXX-Sales Thu XX/XX/XXXX, XXXXXXXX XXXX It looks like we tried to refund your purchase, however the credit card processor we were working with declined the transaction. 
We kindly ask that you contact your bank and ask them to do a credit reversal. 
If they need to speak to us please just give us the contact information. 

We are so very sorry for the hassle. 

Thank you for your time. 
XXXX " Still no refund, so I contact HSBC.

HSBC keeps sending me different emails to submit these emails to them. Each email bounces back by their own server. One email given by email from HSBC was : XXXX. On the phone they said, " XXXX '' -- both can't be reached by XXXX XXXX or XXXX XXXX. 

HSBC is refusing to provide any support after multiple calls. 

Each email I send them ignores the information previously provided and given. 

Finally, HSBC suggested I contact the merchant. However, I have already provided the emails showing the merchant isn't being helpful AND HSBC has already tried contacting the merchant ( unsuccessfully ) while I was on their line with their dispute department.

Thank you so much. I have
Product: Mortgage

The transaction was a refinance of an existing mortgage with the current mortgage provider. The refi featured a reduction of the interest rate from 3.25 to 2.75 percent. 

The initial offer was a " no cost '' out of pocket refi. The loan estimate included closing costs in the amount of about {$4000.00}. The estimate was agreed to by me via " docusign ''. 

The next step was the real offer which increased the closing costs to almost {$11000.00}. 

The lender wanted me to agree to 11 months of prepaid property taxes. What struck me as fraudulent was that my payoff ( principal ) increased by the same amount as the alleged " prepays ''. In my opinion, the prepaid amount should have been reflected in the escrow account, not the final payoff amount. 

When confronted, they said it was common practice. I refused to docu-sign these terms. My savings would have been less than {$40.00} a month, while my principle increased by almost {$11000.00}. And that doesn't include the interest owed. 

I have not changed my lender but I feel a true lack of trust after their bogus offer.
Product: Credit card or prepaid card

On XX/XX/XXXX I scheduled a credit card payment for XX/XX/XXXX to my Discover credit card account in the amount of {$200.00}. 
The following day Discover debited my bank checking account for {$200.00}. This payment has not been credited to my credit card balance, and I am having concerns that my {$200.00} payment has just disappeared and will not ever be credited to my Discover account! 
This is obviously a flagrant error on the part of Discover card, and they seem to have no interest and are very lackadaisical in correcting this egregious, careless error! 
Thank you!
Product: Mortgage

I am in the process of refinancing my home loan. The previous lender sold my loan to XXXX XXXX. I have requested a " net escrow '' payoff from my new mortgage lender since XXXX XXXX, 2015. There have been several requests since then. I have called in and also faxed in a request several times, with no success. They keep sending me a regular payoff. I had {$2400.00} in my escrow account that was to be deducted from the payoff balance. They keep saying they have processed the request. Two weeks ago they sent out a payoff only showing a balance of {$1100.00} and the property taxes are n't due until next month. Last week I requested documentation that shows what happened to that money and have received no explanation. This delay has caused me to lose my rate lock and now rates have gone up, which is now costing me thousands of dollars in back end interest.
Product: Debt collection

I have a debt that is owed to Availblue loans, which is currently under dispute. This company notified my on XXXX that my account had been removed from revenue reporting services. I am disputing that availblue had the right to lend to me because they are not a legal lender in south carolina. They emailed me back stating that south carolina law did not apply to them and they would continue to collect on the loan. They gave an address to mail a formal dispute letter which I have done as of the end of XXXX. I have not gotten a response but I did receive a call from XXXX XXXX XXXX at my workplace today. I have previously been told by XXXX XXXX that they had a cease and desist order on my account, and by availablue that they had retracted my account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding CFPB 's Failure to Enforce FCRA Subsection 605B and 15 U.S.C. 1681c-2 Against XXXX XXXX XXXX, and TransUnion Dear Consumer Financial Protection Bureau , I am writing to formally express my concern and dissatisfaction with the CFPB 's apparent failure to enforce the Fair Credit Reporting Act ( FCRA ), specifically Subsection 605B ( 15 U.S.C. 1681c-2 ), against the XXXX XXXX  credit reporting agenciesXXXX, XXXX, and TransUnion. 

Under the FCRA, Subsection 605B provides clear legal protections for consumers who are victims of identity theft, including the requirement for consumer reporting agencies to block the reporting of information resulting from identity theft within four business days of receiving proper documentation and a consumers request. Despite these requirements, there is substantial evidence suggesting that XXXX, XXXX, and TransUnion routinely fail to comply with these obligations, leaving consumers vulnerable to further harm. 

As a federal agency tasked with protecting consumers from abusive financial practices, it is the CFPBs responsibility to ensure that credit reporting agencies operate in compliance with federal laws, including the FCRA. The failure to enforce these provisions not only undermines the rights of consumers but also erodes public confidence in the CFPBs ability to fulfill its mission. 

Specifically, I would like the CFPB to address the following concerns : XXXX ) Non-Compliance by Credit Reporting Agencies : XXXX, XXXX, and TransUnion often ignore or delay the mandated process for blocking fraudulent information, in direct violation of FCRA Subsection 605B. 

2 ) Lack of Effective Oversight and Enforcement : The CFPB appears to have failed in holding these credit reporting agencies accountable for their non-compliance, despite the documented evidence and consumer complaints filed over the years. 

3 ) Consumer Harm : The ongoing lack of enforcement has resulted in significant harm to consumers, including damaged credit scores, financial losses, and emotional distress. 

I urge the CFPB to take immediate action to investigate these violations and to enforce the provisions of Subsection 605B of the FCRA against XXXX, XXXX, and TransUnion. Furthermore, I request that the CFPB provide transparency regarding the steps it has takenor plans to taketo ensure compliance with this crucial consumer protection law. 

Consumers rely on the CFPB to act as a watchdog against unfair and abusive practices in the financial industry. Your prompt attention to this matter is essential to restoring trust and ensuring that the rights of consumers are upheld. 

Thank you for your time and attention to this critical issue. I look forward to your response and any updates regarding this matter. 

Sincerely, Without prejudice. Without recourse /s/ by : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

They offer rate to 5.99 % They run the pre-calification and offer a good rate.. But after They note your accent speaking, they increase.. 


They offer me 8.99 % by 5 Years. 

and after They move to 27.95 % They are making something bad things...
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I gave a friend {$3500.00} and they deposited there check in my account via mobile app for the same amount and the bank closed my account and kept my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to both Experian and XXXX  on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. Experian has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I obtained XXXXXXXX XXXXXXXX XXXX XXXX to give me an estimate on home repairs and was given a quote of {$7800.00} and decided to use XXXX XXXX fiance company at the time was XXXX XXXX and then changed to Concord Services. The job was completed in XX/XX/2021 and I made my loan payments on time and paid the loan off XXXX21. This morning XXXX2021 I had an email from XXXX noting a new loan reported on my credit report from no other than Concord Services showing my account is still active and it should be showing closed out. I filed a complaint with XXXX  and there are numerous complaints with this company with same issues. This reporting has cost me -22 points on my fico score and I want this false reporting removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX acoount # XXXX.I was never late.The information is incorrect.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a call that my daughter who is XXXX years old had some kind of outstanding debt. I refuse to verify her birthday because I could not get them, the caller, to verify their business. They claimed to be calling on behalf of Chase Receivables of New Jersey. I did provide them with my last XXXX addresses. However, they said the addresses did not match what they had on file. They called before a letter had been sent to my home. As of right now I still have not received a letter
Product: Student loan

After taking out Direct Parent Plus loans to put my daughter and son through college, I am fed up with the treatment and- let 's just say it- lies that I have been fed over the years. My payments have been on time and at the amount that I could comfortably manage. Two of the loans have been paid in full. I have taken advantage of the 0 % interest during the pandemic. Even with those measures, I still owe much more than I took out in loans. For example- one loan was for {$11.00}, XXXX. I have paid {$10.00}, XXXX and still owe {$6700.00}! Another example- a loan of {$12000.00} with {$7100.00} paid has a balance of {$15000.00}. As you see, the payment schedule with no confirmation and/or accurate counseling for forgiveness options leaves me with loans that I will never be able to pay off. 

This is year XXXX for me as a XXXX XXXXXXXX XXXXr. After hearing what seems like a million different things since I first took out loans to send my oldest daughter to college in 2011, my work in a low-income XXXX XXXXl recently qualified me for Public Service Loan Forgiveness XXXX From what my research tells me, I have probably qualified for this program- and possibly others- since that first loan was approved and dispersed. Rather than getting answers over the years in my many fact-finding phone conversations with XXXX and XXXX XXXX XXXX, I have had nothing but the runaround. One answer contradicted the next- sometimes within the same phone call. Yes- I took notes during these calls. 

Although I recently learned that I qualified for the PSLF, it was before the most recent changes to that program were announced. When I was notified, I talked with a counselor at the XXXX XXXX site to ask how my retirement after this year would affect this. I was told that I would have to continue working to receive the forgiveness because they do not count years of service ( I have XXXX qualifying years ). I was also told that I would have to start the 10 years/120 payments now since I just officially qualified, which would keep me in the classroom until XXXX. 

Because I tried in vain over the years to find out my options and make wise choices with the help of counseling through Navient only to receive bogus and ever-changing information, I feel that I have a case to bring to someone in a position to see that I finally receive some help. 

ATTACHED IS A COPY OF RESPONSES I HAVE RECEIVED OVER THE YEARS, WHICH ILLUSTRATE THE CONFUSING MANNER IN WHICH I WAS COUNSELED BY NAVIENT ABOUT MY LOANS.
Product: Credit reporting

I have been fighting XXXX XXXX Equifax for over a year the other XXXX credit bureaus have corrected this issue of public recordit has even been removed from the other XXXX credit agencies Equifax is my opinion keeping this on my credit score so I can have higher interest rates when applying or obtaining loansI asked if you will investigate Equifax for wrongfulpractices and reporting on consumers credit reports or if you may refer me to a legal representative to file a lawsuit against Equifax I have uploaded documentation to your services before and nothing has happen please guide me in the right direction resolve this issue