23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was told by TransUnion Credit Bureau back in XX/XX/XXXX that I could not freeze and unfreeze my credit using my pin number that I created because they no longer use that method. I had to answer questions about my file in order to freeze and unfreeze. In XX/XX/XXXX I tried to obtain credit, but my Transunion Credit Bureau report was frozen. Therefore, I had to call them to unfreeze. I was then told that I had answered verification questions too many times that I could not unfreeze my credit. I became frustrated that I could not unfreeze my credit report. On XX/XX/XXXX, received a call from a Transunion Representative who said that I had to send a letter stating that I need maintenance for my credit file. Include a copy of my identification and social security card and File XXXX XXXXXXXX and mail to their office. The representative stated that by doing this, this will enable me to freeze and unfreeze my credit report online. Well, I did as the representative told me to do on XX/XX/XXXX. I received a letter from Transunion on XX/XX/XXXX, stating that Transunion is unable to process my request, or my request was illegible. I called Transunion on XX/XX/XXXX, and told a representative of my problem. She had given me a new case number XXXX and said that someone will call me in 5 business days. Friday XX/XX/XXXX, I received a credit report from Transunion that I did not request. I still have not received a phone call nor have not been able to obtain credit due to the freeze on my report as of XX/XX/XXXX. Also, as of XX/XX/XXXX, I am not able to freeze/unfreeze my credit file online as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am an XXXX XXXX military member who XXXX XXXX XXXX. I would like to know if someone could please assist me with this matter. Thank you. 

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

The company originally only allowed payments via mail or bill pay. When I used bill pay, I could not confirm when the payment was received by the bank, and the bank would often claim the payment was received after the due date and charge late fees and report missed payments to the credit reporting bureaus. 

Sometime in the last year, their website allowed " direct pay '' where I could make the payment online using a checking account. I was very relieved to be able to prove when my payment was made. However, I made multiple payments via this method and would find that although it showed online that I made the payment, it would not hit my bank account, and record of the payment would drop off and then again, I would be charged a late fee and have a missed payment reported to the credit bureaus. 

I made multiple phone calls to Customer Service and they told me that direct pay " doesn't always work '' and to go back to using Bill Pay.

Over the last two months - I have used " direct pay '' AND Bill pay and both have failed to be credited to my account in a timely manner, resulting in late fees and reports to the credit bureaus of missed payments. I have documented my attempts to pay my bill on time over the last two months, and that proof is attached.

Additionally, the bank does not provide any confirmation of payment via email, etc, other than what shows online on their website. If I don't take a screenshot, I have no proof that a payment was made.

Attached documentation : 1 ) screenshot of online payment confirmation for payment made in XX/XX/XXXX using " direct pay ''. 
2 ) statement from XXXX showing that the payment was applied, as expected, with no late fee for that month. ( Also note on the statement the 'fees charged for this year ', because of all the payment issues. 
3 ) screenshot of payment made via " direct pay '' on XX/XX/XXXX, before my XX/XX/XXXX due date. 
4 ) XXXX statement, with no payment applied. Late fee was charged. No payment was ever credited, or presented to my bank. I didn't realize until after the late fee, of course. 
5 ) Screenshot of XXXX payment made via bill pay from my bank showing receipt by XX/XX/XXXX. 
6 ) screenshot of First progress account on XX/XX/XXXX. No payment shown, and I will incur a fee today and an additional report to credit bureaus. 


I believe this company is failing to take payments on time with the intention of charging late fees and additional interest. It has cost me hundreds of dollars in fees, interest, and has done significant damage to my credit.
Product: Credit reporting or other personal consumer reports

I received an alert from my bank saying a collection had been added to my credit report which surprised me because I haven't missed any payments on anything. 

When I checked my credit report, there was a collection for an account from original creditor XXXX XXXX for an astounding {$14000.00}. I have never had any mobile devices with XXXX and have no idea what that sum of money is related to. Also from a state I've never resided in. 

I have contacted the current debt collector, SEQUIUM ASSET SOLUTIONS INC, to dispute but have not received any response at all. 

I also disputed it on all three credit bureaus. XXXX and XXXX both removed it from my credit report but XXXX are saying it's accurate and won't remove it. Now I can't request any additional info from XXXX ; they're saying I have to snail mail a request or call during business hours which is when I work. 

This is significantly damaging my credit and I have never received ANY notices in the mail about any debt until I got alerted from my own bank that something was added to collections.
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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Bankruptcy Information giving has been resolved but not removed attached is supporting documentations account has been discharged since 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

previously sent the 3 social on file ftc was sent theyre taking more than fcra law
Product: Credit card

I git charged a fraud for XXXX $ by a company called XXXX  XXXX  which I never received any goods or service. Tried calling them but they never picked up my phone
Product: Student loan

I have reached out to ACS three weeks ago about having issues making payment on my loan. They informed me of some sort of income driven repayment and said they would send me an application. I am now a week overdue and I have not received the application. This unfortunately is not the first time I have had to deal with this type of issue with ACS and am finding them sending documents late a recurring issue. I always have to call, sometimes up to three times to get them to finally send me the document I need. This creates my account to go past due and I am then penalized. ACS needs to be a little more on top of sending me the documents I request so I can stay current.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has not removedd challenged report
Product: Credit card or prepaid card

XX/XX/XXXX USAA makes statement : Temporary credits were applied on time no delay NOT TRUE. See statement of XX/XX/XXXX. XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Credit from merchants are the ONLY CREDITS shown on statement of XX/XX/XXXX. There are No Temporary Credits or Permanet Credits from USAA XX/XX/XXXX. KINDLY NOTE USAA CLAIMSl the TEMPORARY CREDITS Not MADE Permanet are Permanet. USAA LIES TEMPORARY CREDITS NEVER GIVEN for XX/XX/XXXX Fraud claim date. See letter of XX/XX/XXXX. It took 2 years to discover USAA MUST MAKE TEMPORARY CREDITS PERMANET as letter XX/XX/XXXX explains. No wonder all my fraud credits kept disappearing like {$2600.00} other credits vanished XX/XX/XXXX Temporary Credits do not apply UNTIL MADE PERMANET. WOW Now USAA uses the temporary credits ( not made permanet ) converting all temporary credits into PERMANET CHARGES OF NEW PURCHASES CREDIT REVERSALS claiming 2 credits as merchant paid. How can USAA reverse credit NOT GIVEN because not made permanet to apply to balance. THERE ARE NO PERMANET USAA CREDITS FOR FRAUD REPORTED AND there are No temporary credits posted timely XX/XX/XXXX for the claim date of XX/XX/XXXX. USAA sorry, but that is a lie and there are XXXX many more credits never made permanet. Also I spoke to XXXX, XXXX, XXXX, XXXX, XXXX at gr8 length. I explained. I have XXXX  with ADA tools of talk back screen reader and scanner. USAA tech will have to fix why USAA web and USAA mobile app do not hook up. I am able to access CFPB and FTC & Ideninity Theft.gov. I do not know a lot about tech but am ready to perform any hand movements that ARE NOT HAZZARDOUS TO MY XXXX, HOWEVER ; I DO NOT WANT TO CONTINUE A RELATIONSHIP WITH USAA DO NOT SEND ME ANOTHER NEW CARD USAA has a responsibllity to provide access and options for XXXX.
Product: Credit reporting or other personal consumer reports

As noted on my credit report, I am a victim of identity theft as a result of a data breach. Someone is applying for multiple loans in my name, and my spouses. The inquiries must be removed as they are damaging both of our credit. My wife has made complaints as well. 

FRAUDULENT INQUIRIES ARE : XXXX ( Finance ) XXXX ( Finance )
Product: Mortgage

OVM Financial denying my access to the statement of my mortgage payment. 

I started a mortgage loan with OVM FInancial in XX/XX/XXXX. After making my first payment to OVM in XX/XX/XXXX, they sold my loan to XXXX XXXX XXXX. During this transition, OVM Financial failed to provide a final status of the loan, verification of receiving my payment and how my first payment was distributed. After reaching out to XXXX XXXX XXXX, they stated that OVM Financial also did not provide them with a record of this payment and that I would need to contact OVM Financial for this information. OVM Financial representative and CEO have deliberately denied my access to the statement of payment and it's distribution since the end of XX/XX/XXXX. 

I requested the financial statement reflecting how my first payment amount was dispersed and the loan transitioned to the new provider from OVM Financial mortgage loan originator XXXX XXXX on the last week of XX/XX/XXXX over the phone, followed by a written communication via email on XX/XX/XXXX and XX/XX/XXXX. At first XXXX asked to wait, then he advised me to contact my title company and eventually stopped replying. On XX/XX/XXXX I included OVMs CEO XXXX XXXX into the e-mail conversation. I wrote a complaint, explained the situation in detail and requested to receive the financial statement of my payment or a receipt of my XX/XX/XXXX mortgage payment and its distribution. At first, XXXX wrote he does not quite understand what I am requesting and asked to call him. At the end of our long phone conversation he said OVM does not provide any financial statements of payments. As a follow up to our phone conversation XXXX e-mailed a " first payment '' letter which gives an example of how the payment will be distributed, but the verification documenting and accounting for how my XXXX payment was applied was still missing. I replied immediately explaining again in detail what documentation I would like to receive, but he did not answer. 

The following day, XX/XX/XXXX with no response to my email, XXXX and XXXX began responding in a previous communication thread stating that everything was resolved. When I disagreed and recopied my follow-up email to XXXX sent on the XX/XX/XXXX, XXXX XXXX, OVMs CEO added clearly there is nothing more OVM can provide to you. 

Considering that this is OVM Financials CEOs position to this request, after I have clearly pointed out that OVM Financials inability or unwillingness to provide the requested documentation of my mortgage payment is a RESPA violation, I am now reaching out to Consumer Financial Protection Bureau to seek assistance in dealing with this matter.
Product: Debt collection

Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

I have had my Citibank credit card for XXXX  years. Citibank VISA issued by Citibank , N.A . ( a " XXXX '' VISA card ). 

I have been in good standing, never over-limit, never missed payments the entire time. 

On XX/XX/2024, Citibank closed my account abruptly without advance notice to me. I called repeatedly asking why. They said that they could not tell me, but that I would get a letter. On XX/XX/2024, I finally got their letter. It said that they were closing my account because they had " received information '' that I was going to file for bankruptcy. Any such information was false. I am a property owner with over {$1.00} XXXX net worth and no debts except for a small mortgage ( which is current, with no late or missed payments. I have no intention of filing any bankruptcy. On XX/XX/2024, I called them and applied to reopen the account. On XX/XX/2024, I received their letter rejecting my application without any substantive explanation. My credit score should be very high. I believe that Citibank has arbitrarily singled me out and wrongfully discriminated against me in closing my account and rejecting my application to reopen.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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 ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX 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.XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX DE ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

forgery of my signature cant take out payday loans due to being military
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX  ( Orig Cred : XXXX XXXX XXXX XXXX ) - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Services XX/XX/XXXX The XXXX XXXX  is also not my account the others were hard inquiries that I did not authorize or apply to any cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, ENHANCED RECOVERYCOMPANY, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint initially regarding a vehicle that was falsely reported on my report. The Bureau removed the car and not the inquiries that I did not authorize. Equifax refuses to update and correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, XXXX, and Equifax. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to XXXX. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, XXXX, and Equifax ) I also asked XXXX to correct errors and they failed to do so.
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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.