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

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX DateUpdated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated:XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXBalance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Yesterday, XX/XX/2020, I phoned my credit card, Capital One to ask about a fee. I have 2 cards with them, and I inherited money, and paid them both off. In fact, I have a credit on one, of over {$150.00}. The other card had a balance due of {$29.00}, and {$23.00} was a fee. The card people, and I called 2 times and spoke to 2 representatives, would not not me pay the {$29.00} with the other credit card. They would not dismiss the fee and they would not close my card unless I signed an agreement. I am deaf and low visioned, which I told each rep. One rep wanted to read the the conditions, I said I could not rely upon my hearing for a legal document read over the phone. She said she could not close my account. I called again, and got the same thing, only this rep directed me to the same online written agreement, which I read and said I did not agree to all of the agreement. She said she could not close my account. I was able to close one account, as it had a credit balance. They demanded I pay the {$29.00}, so I paid it with my personal checking account. They told me they would be charging my account {$23.00} again for the next billing period. The also allowed a company to auto bill me, when I never had a service with them. I had lost my wallet, and reported it immediately and had them LOCK MY CARD. I had not unlocked my card until I got my new card, but they did allow this company to auto charge to my new number. They said they can do this without my permission. Needless to say, many errors, each alarming. They go their money, I am sure they plan to take more next month, as they will not close my account. I want to close my account, and not have to sign a contract with conditions I do not agree with, and is not relevant to closing an account. They also threatened me that I could never have a card with them again. Not doubt they will also impact my credit rating in some way. Thank you for your help
Product: Credit card or prepaid card

Santander  Bank frequently placed " fraud locks '' on my credit card account whenever I made purchases. I frequently had to call in to confirm the transactions. It was very frustrating because it happened often. To be clear, I am the sole user of this card and never had any disputes with the charges on my account. I also never used this card outside my home city.     Sometime in  XXXX    XXXX  ,  Santander Ban k put a " fraud lock '' on my account. This fraud lock was different because I could not resolve it over the phone. They demanded that I physically step inside the branch to resolve the issues on my account.     This is the issue with that request  : Santander Ban k does not operate any physical branches outside th e Northeast Region. I  live in  Chicago. I opened the account online in Chicago, I only ever used the card in Chicago, and I continue to live in Chicago a t this time.     On  XXXX   XXXX ,   XXXX  , I called in to request that my account be closed. The bank continues to refuse any service on my account due to the fraud lock. Again, they demand that I show up in branch.      Santander Bank open ly solicits their products and services to all states, that 's how I was able to obtain an account in the first place. I believe it 's outrageous for a company to expect their customers to travel outside their home state in order to address the issues on their account. I do not like that my account is being he  ld hostage on account of my residency in Illinois.
I have no immediate plans to visit any of the states that fall within Santander 's small footprint. Even if I did, I believe this is an issue that should be addressed by the bank at the policy level.       I will never conduct business with them again.
Product: Bank account or service

My husband and I are on XXXX. I have been trying my best to keep up with our bank acct at Regions Bank. I have gotten all my statements together and in 2016 so far they have taken out overdraft charges in the amount of XXXX and returned item fees in the amount of XXXX. I went to the bank and my account was getting hit by debits that i did not authorize. The bank said that when my acct was in the XXXX i could come back and open another acct. We are on a fixed income and can not afford these charges. Please tell me what i can do. Our checks are direct deposited so they just keep hitting me with charges and my house payment and utility bill has been returned unpaid so many times that i can not write a check anymore. As you can see i would have more than enough money to pay my bills if i was not PAYING the bank!!! PLEASE HELP ME
Product: Checking or savings account

On XX/XX/18 I checked my account online to find 2 unauthorized charges. I contacted them immediately both charges were pending.. they paid XXXX 2 charges {$190.00} {$240.00}. XXXX is slow to get back to me..
Product: Debt collection

XXXX XXXX Phone XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a Citibank N.A. debt that was originated in XX/XX/XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but Citibank sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from Citi stating that the loan was fraud and asking them to remove it from my credit but XXXX has refused to move it. On XX/XX/XXXX Citibank sent me a notice of account closure of this fraudulent account partial account number XXXX but XXXX XXXX still trying to collect on it. on XX/XX/XXXX I called XXXX XXXX, but they are still insisting I pay them.
Product: Checking or savings account

I received an text from numberXXXX, Law Offices of XXXX XXXX XXXX It stated I had to confirm my Chase account within 12 hours. I called the number and it went directly to a voice mail that did not mention this law office. I called Chase which I never had an account with. Chase confirmed it was a scam. I also contacted A law office with the named attorney, but they haven't called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive submitted 2 requests to please include my previous address that i lived which is XXXX XXXX XXXX XXXX. I also asked them to add the XXXX on my last name to show XXXX instead of XXXX as i attached my social security and drivers lisc for proof. I also included the other reporting agencies who have my address listed. instead they deleted addresses that i didnt ask them to delete. I have spent time and money and still Equifax does not update. They either advise they can not find my file or they delete things i didnt ask them to delete, I am currently applied for mortgage and would like to ensure my information is accurate. what i dont understand is that i got my credit report from Equifax at that same address im asking them to list but yet they dont have any records..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US dept of ed Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, US DEPT OF ED Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Mortgage

This is my second mortgage I have had it since I bought the property its only for the property during the pandemic I lost my job I did make as many payments as I could I applied for hamp program but they denied stating it was a heloc though it technically was taken out to purchase my property as we did not qualify for the home with only one loan. ( predatory lending ) anyway we were advised by the state to ask for a modification or a repayment or deferment over the course of a year. I tried to make payments the servicer said the lender would only accept the entire past due amount I am a XXXX XXXX  who cant lose their home I just want them to work with me they advertise repayment plans and help but when you ask they say no, all or none I am getting letters to foreclose please help
Product: Payday loan, title loan, or personal loan

I applied for a loan here in XX/XX/XXXX for around 700. I always wanted to pay it back when I got the money but I can never find their website and they never send me any mail I know it use to be called money lion a while back that's what it was when I got the loan
Product: Vehicle loan or lease

lost job due to covid, requested a deferment or forbearance instead they gave me a payment plan, i followed the payment plan and started working so i started paying the exact monthly payment more than the payment plan, credit acceptance in return flagged my credit for being behind, i thought they would be happy.. XXXX practices
Product: Checking or savings account

My account had several unauthorized transactions for the amounts of XXXX $ another XXXX for XXXX $ and the last one for XXXX $ and I've tried to dispute them and the results for that my Wells Fargo account was closed and I never got a chance to access the account ever again
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today around XXXX an XXXX charge was made to my account from audiable charged by XXXX that I did not authorize. I had my card lock and chime still allowed this transaction to happen while I was sleeping. They wouldnt allow me to dispute it right away saying that I have to email chime customer support and chime customer support email replied they declined the dispute and I would have to contact customer support via phone. Neither was a help they both told me to email when I called and to call when I emailed giving me a run around.
Product: Checking or savings account

I deposited a check into my savings account that I received from my deceased fathers estate. They have had my account froze for over a week now. Deposited into my savings but they blocked my checking and debit card as well which has my main income from employment in it. 
I have submitted documentation pertaining to the check that I am XXXX of his estate along with the check info from whom issues the check. They labeled it as check fraud.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continue to allow XXXX XXXX Receivables to report medical debt to my credit profile illegally. I requested proof of consent, as required by XXXX XXXX, that I authorized XXXX Area Receivables to access as well as disclose my medical information to any third parties. It has been over 30 days since I requested this information. Under the FCRA the furnisher has 30 days to provide proof or delete these accounts immediately. 

I filed an FTC report for this fraudulent account, in which under 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. It has been well past 4 days and this account is still reporting illegally. 

Furthermore, former XXXX XXXX and XXXX XXXX issued a rule to the CFPB stating that medical debt can no longer report on Americans Credit Report. XXXX XXXX XXXX is still reporting illegally to my credit profile. 

XXXX and Experian responded to my disputes requesting that I provide proof of my identity, which Is merely a stall tactic to an otherwise simple deletion solution. I have attached my SS card as well as my drivers license.
Product: Student loan

My loans went into default with the Department of Education. TransWorld began a garnishment on my checks. THis garnishment continued for 3 years until I set up a rehabilitation contract with them. For 6 months I was to pay an extra XXXX a month along with the garnishment of XXXX. Once these 6 months were over, they would stop the garnishments. XX/XX/XXXX should have been the final garnishment from my checks. However, the garnishments have continued. I have attempted to call the Department of Education but their automated system gives me the number to call TransWorld since my loans are in collections. I call TransWorld and get a recording that they are no longer running due to the federal govertnment filing a lawsuit against them. Not only did I complete my rehabilitation promise, I have also consolidated all my student loans with XXXX. My first payment with XXXX is due this month but I am unable to pay it because my check is still being garnished. I have done what I need to do to no avail. Where is this money from my check going? I have all my loans in one place and the payment did not go there. How do I get this stopped and get my money put on my real student loans?
Product: Debt collection

I have a collection on my report for XXXX XXXX IN stating that I owe {$630.00}. They say the original creditor is XXXX CONTINENTAL FINANCE COMPANY LL. 

I have no idea who this is or what it is for. There is no number to call for either company.
Product: Mortgage

Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property.
Product: Debt collection

I do not have information regarding any debt. They do not leave any messages regarding the said debt owed. I receive phone calls from them at least twice a day. The phone calls come from various phone numbers. All attempts I have made to block them are thwarted by them calling from another phone number. It's beginning to get obnoxious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX and Equifax ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have called the company three times in XXXXXXXX XXXX. I have written to Comenity Bank via their website three times in XXXX, XXXX. I have not received any requested documentation of length of time of inactivity that would trigger an account closing and forfeiture of XXXX points valued at over {$1000.00} in XXXX XXXX. I requested a copy of the letter that the company reportedly sent to notify me of impending closure of account. I signed up for electronic notifications via email and text messaging and have no record of any communication from Comenity to notify me of closure of account. I documented numerous emails that were exchanged between Comenity and myself with problems with their website in redeeming XXXX XXXX. After charging {$9600.00} on the XXXX XXXX XXXX  to obtain specific rewards, and then being unable to redeem rewards on numerous attempts, I curtailed purchasing on the card knowing that points would not expire for XXXX  years per credit card agreement. I have requested that my points be restored and my credit card reinstated. Comenity has suggested I re-apply for their credit card, but my points won't be given back. This is an unacceptable proposed solution.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian regarding a fraudulent account associated with XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report on XX/XX/year>. Along with my dispute, I provided all required documentation, including a valid identity theft affidavit, Proof of address, A copy of my government-issued identification, and additional evidence linking me to a data breach. 

Despite fulfilling all requirements, Experian FAILED to block the fraudulent account within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, Experian informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. I've attached 2 prior CFPB complaints to this as proof of my attempts to resolve the fraudulent account.

When I called Experian and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly ineligible for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within 4 days.

Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. Experian 's failure to meet this legal obligation constitutes a violation of federal law.

Experian has not provided sufficient evidence or transparency regarding their claim that the disputed account was " verified. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon. Experian 's failure to comply with this requirement undermines my rights to accurate credit reporting.