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

I am a double victim of credit base victimization. 1st under the Equifax Data Breach crime and second under a recent Electronic Signature fraud victimization. I have been trying to address the issue of electronic signature fraud victimization through Equifax 's website and I am unable to do so because of fraudulent ID verification information inside Equifax 's data base precluding me or obstructing me from being verified through their website. I then tried to get my ID verfied with Eqfx over the phone and the same thing is happening. Equifax has misinformation in it's data base which then is asking me personal credit questions which Equifax believes is True and is really false and I am expected to come up with correct answers to false questions which I can not do. By me not being able to do this, this has rendered my ID unidentifiable and therefore locked out of credit base services through equifax. I faxed Eqfx information which their customer service rep gave me over the phone in order for me to correct the misinformation that's on eqfx 's database. By the way, I also do not have a cell phone number and I am being forced by Eqfx to provide a phone number to them and given no choice to select I do not have a cell phone number and to provide an alternative ph number of a home ph, which by the way, is not in my name but in my mom 's name. I am being forced to tell falsehoods about this since If I do not give a phone number of some kind, I will not be able to proceed further into getting help from eqfx automated telephone srvc # I sent these docs requested by eqfx to fx # XXXX from a local fax # and it went through without any problem in order to get services from eqfx. I sent this fax to Equifax and eqfx has not contacted at all they received my id verifiying information by [ mfax nor can I speak to a live eqfx cust srvc rep to verify this fact.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a recent data breach, which has led to several fraudulent accounts and unauthorized inquiries appearing on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts to Be Deleted : XXXX. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX. Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018, CMRE Financial Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, CMRE Financial Services has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Vehicle loan or lease

on the time of the repossession. The towing company negligence of proper procedures, has violated my rights. They ripped out the front end of the vehicle. I was never provided with proof of cell or any paperwork that I requested. They keep updating my credit report, making it look as if Im not paying my current bills. I have proof all the damage done to my vehicle and yet theyre reporting to the credit agencies as charge off over and over again this violate my rights as a consumer of negligence and if they dont correct us and remove this from my credit report, I will have no choice, but to file legal actions on both parties involve
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires I don't recognize
Product: Student loan

I called Mohela at their customer service number around XXXXXXXX XXXX on Thursday, XX/XX/year>. After navigating through the automated menu, I was told I would connect with a representative in 32 minutes. After waiting on hold for 53 minutes, I connected to a representative who confirmed my information and then told me that to she needed to transfer me to another department. I was then placed on hold and the automated system told me that the wait time would be 136 minutes. I had to get back to my job, so I had to hang up. 

I called later the same day, around XXXXXXXX XXXX  and after navigating through the automated menu and waiting for another 50 minutes or so, I was again connected to a representative. They took my information and then told me again that I would need to be transferred to another department. I asked them why since I had never needed to be transferred before, and they told me that a new department was set up the previous week that was now tasked with handling all issues related to forbearance, the reason I was calling in the first place ( Mohela still has not processed my SAVE plan forbearance despite receiving my application on XX/XX/year> by their own admission ). I asked if I could contact that office directly and the representative told me that there was no number to callin short, no. I was again placed on hold but my phone battery died before I could get connected with the office that apparently is solely responsible for handling a forbearance. 

Given that Mohela has a well documented program of call deflection ( XXXX XXXX XXXX XXXX I can only assume this is part of a strategy to prevent borrowers from being placed into forbearance. Moreover, the only reason that I need to be placed in a temporary forbearance is because Mohela has still not, and seemingly has no intention, of ever placing me in the long-term SAVE forbearance.
Product: Student loan

I completed the application for an income driven repay plan and submitted it. The info from the federal govt including tax info from the IRS went to AES and XXXX. AES is sending me letters stating they can not process the IDR because the application is not complete. A few months ago, they wanted paystubs I sent them that and they sent me the same letter. Now, they have another application and tax info from the federal govt and they are still sending me the same letter. XXXX processed the same IDR application that AES is claiming they can not process with all the information provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$740.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

Hard Inquiry XXXX XXXX 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. 

Account name : XXXX XXXXXXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : 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: Debt collection

XXXX XXXX XXXX has altered the date of an account opened from comenity bank on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on 4 times. the woman I spoke to XXXX, informed me that this debt was from a XXXX  credit card opened in XXXX  but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.
Product: Credit reporting or other personal consumer reports

I recently checked my updated personal credit report and I noticed several remaining unauthorized credit inquiries still on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also initiated a request to you for an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation is complete, you find my allegation to be true, please remove these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiries I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries as soon as possible.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

I am writing to formally file a complaint regarding the unlawful withholding of funds in my Venmo account, despite my repeated efforts to comply with your requests and resolve this matter. Below is a detailed account of the situation : Account Verification : I have verified my account on three separate occasions as requested by Venmo. Despite completing this process, my account was later locked due to a purported issue with funds transfer. 
Attempted Transfers and Account Lock : Following your instructions, I set up transfers to withdraw my funds. However, my bank allows only two transactions per day. When Venmo attempted to process three transfers in one day, my account was blocked, and subsequently locked, with a balance of {$1200.00} at that time.

Current Account Balance : My account now shows a balance of {$6200.00}. This amount is being held unjustly, as Venmo claims the account is " closed. '' If the account was indeed closed, no further transactions or deposits should have been allowed. 
Failure to Process Disputes : Despite multiple attempts to resolve this issue through your dispute resolution process, Venmo has failed to take appropriate action. This has left me without access to my funds and without recourse to address the situation. 
I believe Venmo is unlawfully holding my funds without any legitimate justification. I have complied with all verification requests, and your failure to release my money constitutes a breach of your obligations under your User Agreement and relevant consumer protection laws.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I drove down to this dealership to test drive a car, following an appointment set with XXXX. After saying I was interested in it, XXXX and I went into the financing office and started paperwork on the car. I stated I would be paying {$5000.00} down in check, and would be signing the electric vehicle tax credit over to the dealership to add an additional {$4000.00} to the down payment for a total of {$9000.00}. The agreed sale price on the Buyer 's Order is {$13000.00}, minus {$9000.00} as a down payment, leaving a balance due of {$6100.00}, once taxes and dealer fees were accounted for. I filled out and was approved for a loan with Huntington bank for {$6300.00}. XXXXXXXX XXXX manager ( do not recall his name ) had to come in to process the form XXXX for the IRS tax credit and reviewed that for the same {$13000.00} price to submit to the IRS. After finishing all the paper work, I accepted delivery of the car and drove it back home. On the XXXX, XXXX called and said the price of the car was actually {$17000.00} and that I needed to sign new paperwork/loan application to accept this new price, which also has a higher interest rate. Having read about Yo-Yo scams , I asked for more clarification on the situation but only got a response from XXXX of the price being wrong and wanting me to sign the new paperwork, without any of my questions answered. I had previously checked and confirmed the loan balance, but called in again today to ask for a copy of the bank 's paperwork to find that the loan had been cancelled without my approval, but the Huntington bank representative could see any indication of a reason. Huntington bank provided me with a copy of the approved loan paperwork that the dealership submitted to them.
Product: Debt collection

There is a problem with this personal installment loan account. I have been disputing this for well over a year and half. I was able to send over the paperwork request by the company in XXXX of 2020. I followed up recently. I called twice last week & once this week. I have been promised to get a follow-up call. I have never received one. I would like my files to be updated and acknowledged. It should not take this long for a fair investigation.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX
Product: Checking or savings account

Ides deposits here but i ndver get my money for reported frauds. I have never seen key respond to complaint.
Product: Student loan

I'm on the new XXXX plan and making all my payments ( {$0.00} ) so my balance is not supposed to go up, but MOHELA is still reporting it to credit BUREAUs as going up and this is making my credit score go down. They also removed the note " XXXX loan - payment deferred '' from my credit report and I don't know why. I've asked many times why this has happened to my credit reports and they don't respond. I've asked them to cease reporting this to credit bureaus as I'm on the XXXX plan, but they are still doing so
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement : I am writing this complaint to simply delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be EXCLUDED from a consumer report. 

Please understand that pursuant to 15 U.S. Code 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The law clearly states ANY card, and the credit card that I used to originate the consumer credit transactions below was my social security card which makes me the original creditor and issuer. 

The accounts below by law should be removed immediately. 
XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Also please be advised that I have asked Experian to investigate these accounts numerous times, and I have ample proof that Experian has conducted said investigations and sent me correspondence that the results of their investigations were factual, accurate and true. 15 U.S. Code 1681a ( e ) states that in order to conduct an investigation by law the information is supposed to be obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian can not provide proof of this because it did not take place. 

15 U.S. Code 1681a ( e ) also states that the consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer.. So, if Experian did in fact investigate the accounts and came to the conclusion that the information associated with the accounts were 100 % factual and true then it should NOT be included on my consumer credit report pursuant to 15 U.S. Code 1681a ( e ) I DO NOT trust Experian to thoroughly investigate this matter at all because they are regurgitating the same vague " verified as accurate '' letters that they have been sending me for almost a year, which is why I am submitting this complaint through the CFPB for a third time.
Product: Debt collection

American Express keeps on calling me daily despite the fact that I am making my payments. The caller leaves long " urgent '' threatening messages at home, my cell number and my work.
Product: Mortgage

Home received extensive storm damage resulting in a $ XXXX insurance claim. 

Received $ XXXX check from insurance company and brought it to my local chase branch on XX/XX/23. 

I contact chase several times to see where the money is as repairs have begun ( I had holes in my roof ) and receive no satisfactory response so I am forced to begin to pay for repairs to my home, that insurance has already sent payment for, that I can not access. I pay over $ 100k of my own funds to cover these repairs. 

On XXXX XXXX, 12 days after submission I receive $ XXXX. 

I then request an inspection to obtain the next portion of funds since repairs are 50 % complete and 70 % of the ( my own funds covering ) money has been spent. 

Here 's how that first inspection went. 
I request an inspection on XX/XX/XXXX, the soonest I am able to request. On XX/XX/XXXX I'm given inspection availability options. I pick the first one available on XX/XX/XXXX. I call daily after the XX/XX/XXXX inspection to get results. Nothing appears until XX/XX/XXXX when I am finally informed I failed the inspection. 

The inspector walked past $ XXXX in materials and a dozen people installing another $ XXXX on the roof. But because a single interior room that would cost {$500.00} in paint and drywall to fix was not fixed, I failed the inspection. Obviously the roof needs to be repaired prior to cosmetic fixes. 

It is now XX/XX/XXXX. Nearly 30 days after handing $ XXXX to chase that they are unreasonably denying access to. 

They have been contacted daily. I am no longer receiving responses from chase and I am not being allowed access to my insurance settlement despite having paid for much of the repair out of my own funds. 

I note chase has outsourced this function. Chase still has the duty to monitor the process. If I had not had my own funds obviously structural damage would have occurred due to their unreasonably withholding funds, which runs contrary to their supposed " interest '' int he property.