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

I am filing this complaint against Equifax for failing to block fraudulent information from my credit report, despite submitting all required documentation as outlined under the Fair Credit Reporting Act ( FCRA ). As a victim of the Equifax data breach and the XXXX XXXX XXXX breach, my personal information was compromised, leading to fraudulent activity on my credit report. I identified the following fraudulent account and inquiries that should have been blocked immediately under FCRA XXXX : Fraudulent Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Status : Charge-off Balance : {$32000.00} Date Opened : XX/XX/XXXX This account was not opened or authorized by me and was the result of identity theft. 

Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Steps Taken : XXXX. I filed an identity theft report with the Federal Trade Commission ( FTC ), which was sent to Equifax along with supporting documentation, including proof of my identity and highlighted sections of my credit report identifying the fraudulent items. 
XXXX. My dispute was submitted to Equifax and received by them on XXXX fulfilling all requirements under FCRA 605B.

3. Under the FCRA, Equifax is required to block fraudulent accounts and inquiries from my credit report within 4 business days of receiving my identity theft report and supporting documents.

Equifaxs Failure to Comply : Despite fulfilling all requirements, Equifax failed to : XXXX. Block the fraudulent XXXXXXXX XXXX XXXX account. 
XXXX. Remove the unauthorized inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This failure has caused ongoing harm to my credit report, including a negative impact on my credit score, difficulty obtaining credit, and emotional distress resulting from unresolved identity theft. 

Resolution Requested : I am requesting the CFPB to investigate Equifaxs noncompliance with the FCRA and require them to : XXXX. Block the XXXX XXXX XXXX account from my credit report immediately. 
XXXX. Remove the fraudulent inquiries listed above from my credit report. 
XXXX. Provide confirmation in writing that the fraudulent items have been permanently removed. 

If Equifax continues to fail in fulfilling its legal obligations, I may consider additional legal action to address the damages caused by their noncompliance. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.
Product: Credit card or prepaid card

I have been a loyal Best Buy consumer since XXXX ; In late XXXX I applied for Best Buy credit card. I was offered {$1000.00} credit limit ; and I made very few purchases, and was mindful of credit limit. I've called on 2-3 times in XXXX ; and again in XX/XX/XXXX and again on XX/XX/XXXX ; and spoke with customer service Rep. XXXX and supervisor who identified himself as XXXX. Both agents for Best Buy admitted on a recorded line they realize I was not receiving *invoices for payments due, additionally Best Buy some how had an incomplete mailing address to me/consumer. I immediately requested a review of the account, Best Buy said they corrected their records. However, upon further review I noticed my Credit Card limit reduced from {$1000.00} to {$430.00} ; I am not getting a clear answer why my credit report has been ran, when I did not authorize for anyone to run my credit reports. I do not think it is fair my credit card limit was decreased, especially if I did not receive notice by mail nor email. And Best Buy has not factor in Covid Pandemic and USPS delays etc. This is poor customer service ; Best Buy is showing me they do not value loyal consumers nor their credit card members. Furthermore Best Buy has failed to inform me of any changes to conditions and terms ; if this is their new business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into XXXX itself to check XXXX  XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX  XXXX and it said it was not going to affect my credit
Product: Credit card

Bank of America offered a promotion for credit card to spend {$1000.00} get {$200.00} credit by XXXX. I met this requirement yet they are not delivering on the terms due to XXXX charge that did not post to the account till XX/XX/XXXX yet the purchase and receipt state XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per judgement in my divorce decree on XX/XX/XXXX, I was to be, " held harmless of any mortgages and or liens '' on the primary residence given to my ex-wife. On XX/XX/XXXX, the mortgage company XXXX performed a quitclaim title of the primary residence to Shellpoint Mortgage Servicing ( a part of XXXX XXXX, XXXX XXXX. Shellpoint foreclosed on the primary residence in XXXX of XXXX. Despite the judgement in XXXX, the foreclosure shows on all three credit bureaus. I have tried multiple times to get it removed from all three credit bureaus with no success. I have tried to get it removed from Shellpoint directly with no success. Finally, I enlisted a third party, XXXX XXXX, to try on my behalf to remove Shellpoint. All three credit bureaus ( XXXX, XXXX, XXXX  ) refer back to Shellpoint and Shellpoint re-validates the account with each request. XXXX XXXX not been successful either in removing Shellpoint. 

Please note that I have successfully removed the original mortgage company, XXXX, from all three credit bureaus and XXXX XXXX has been successful in removing other incorrect and negative information. I am trying to rebuild my credit to purchase a home.
Product: Debt collection

I keep getting calls from area code ( XXXX ) with the following numbers : XXXX & XXXX & XXXX ( 4 times in one hour today from this last number ). I do n't answer, but they continue leaving voicemail messages threatening to send a server to my door if I do n't call back ; threatening to take me to court. I have absolutely no debt. I looked up the first XXXX numbers and there were many reports of this being a scam. How can these people keep calling me when my phone number is registered? I feel like I 'm being harassed now. Thank you for any help you can provide me!
Product: Checking or savings account

I ordered from XXXX XXXX  on XX/XX/year> i authorized charges of {$11.00} for the food and {$3.00} for driver tip. XXXX XXXX  charged my a 3rd time for {$28.00} this is completely unauthorized when I contacted XXXX XXXX to see why they charged me this i was told a supervisor would contact me back and never did. This charge is completely unauthorized.
Product: Money transfer, virtual currency, or money service

My name is XXXX, I was a victim of an error with a XXXX  bill that was duplicated on my credit report, the single bill collection was bought by 2 separate companies, XXXX and Convergant  the second without my knowledge. After consulting with a bank and understanding I had a phone bill in collections to pay off. I began to do so reaching a settlement and paying it in full. My credit was clean and so I thought. I saw nothing on XXXX and my other scores went up aswell. After being denied though for a card at my bank I thought well why. I did more digging to find that XXXX bill on my XXXX by another company. My bank told me to dispute it immediately which I did and my dispute came back stating accurate information and was taken off my report on XXXX and is still in process of being taken off of my XXXX. I am demanding XXXX XXXX dollars per error to compensate for the challenges this mistake has brought to my financial life and the fees Ive wrongly paid in high rates due to this error while funding my business.
Product: Debt collection

I was checking my credit report last night and noticed it had dropped XXXXpoints and there was a collection account listed. I looked at the collector 's name and called today. I informed them that I never received any type of communication regarding this debt. The man I spoke to who 's name is " XXXX '' told me they sent out notices to an unknown address. I related to him that I live at a different address. He then told me there was nothing I could do but send dispute letters to the credit bureaus. I told him they have hurt my stellar credit rating and I am in the process of buying home. He then told me the debt was for XXXX -- that is right XXXX. The agent then hung up on me. I called back to get his name and they put me on a very long hold and hung up. I called again and was finally able to get his name. I have sent them a debt validation letter and they have not responded to that request. I looked the company up on XXXX and they have the worst reputation. They are ATG Credit LLC
Product: Debt collection

I am receiving calls which are even calling me at my job asking to speak with my supervisor and tell him that I steal money from him, I felt threatened by XXXX XXXX who calls me from the number XXXX on behalf https : //improveddataservicesllc.com/ he says that I have a legal problem and that I go to jail if I do not pay him, I would like to be sent proof that I made a loan to this company, I am afraid they are trying to make me lose my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian, and XXXX are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXXXXXX XXXX on dates XXXX, and XXXX XXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Student loan

Despite submitting the correct paperwork on time in XX/XX/2018 I kept getting emails from loan servicer Navient that my IDR application was denied. Then a few days later I get emails saying that it was and a few days later that it was denied again. I called the company and the problem seemed to be resolved. However, XX/XX/2018 I am beginning to get IDR approval notices and a notvei thatI need to submit my IDR application by XX/XX/2018. 
Since the confusion with the IDR began I have also started to receive late payment notifications, despite my being enrolled in the autopay plan. The autopay system is supposed to automatically deduct a minimum of the full amount due. So, I am utterly confused as to why Navient 's system is deducting less than the minimum due. I am afraid that this company will end up ruining my credit because they can not get their system to function correctly and/or if the dysfunction is deliberate to scam customers for late payment fees. 

I have spoken with customer service twice ( once in XXXX and once in XXXX ) on the phone since this issue began and both times ( took about a hour each time ), I was assured the problem was solved. Now in XXXX here I am again with the exact same problems that I have been dealing with since XXXX.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX, XXXX. I was made aware today via my report online after having made contact with debt collectors and doing research to follow the proccess to remove these unfair judgments and after being phoned repeatedly about these debt that I can dispute them in more effective ways, I did not incure these debts. I wasn't aware did not understand at the time I could dispute it or tell issuerer this debt is not mine.
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with  copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or  verifying an account as accurate, when in fact there is no provided proof that it is accurate.
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  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I needed something shipped to my apartment to be repaired so i wouldnt have to pay this fee and it never showed up and he blocked me on everything. Tried to resolved this with bank of america but they declined this dispute but i have not received anything for this. I need this $ and i have proof of everything happening
Product: Bank account or service

I tried to open an account with Bank of America and without giving a reason the bank refused to open an account.
Product: Student loan

This is the 2nd complaint I submitted on your website against Navient. There are so many different entities that call me and so easy to lose track or even know who to talk to or trust. I call Navient and get sent to Student Loans then to FSA back to Navient, so frustrating. Today I receive a call from someone claiming to be with FSA-Center by the name of XXXX XXXX @ XXXX. He stated he was with FSA but by the end of the call it did not appear that was true. After he asked me to verify info on my loan such as address and name somehow he had an email sent to me with FSA ID # once I gave to him I received another email saying my ID was changed and I did not request that. He tells me Navient is being sued for doing unethical things to consumers. One of the links he forwarded me said Navient deceived student borrowes about requirement to release loan advising student they could made a certain number of consecutive payments ( 3 ) on time they entire loan would be forgiven. By the end of the call this is exactly what he said he was offering. I am afraid this person is a fraud and not sure what to do but he has all my Navient info somehow. The email that came through for him is XXXX. I was already against paying my loan because I feel I was mislead and now I deferred so much because that is what they recommended and I am in such a whole for schooling that was so unethical where they gave students the answers to the test so they could pass. I am so upset and want to know how to join the lawsuit " CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment '' if I qualify. My maiden name is XXXX last four of my social is XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

I have had this account for some time and I had gone on XXXX I had XXXX insurance on the card which paid the balance. However the date the insurance paid the balance was past the due date so there was a late fee. 
I had reached out to the Credit Card for them to credit the fee and was told no problem. 
I had continued my treatment and assumed all was well, They never credited the fee and interest and fees have been accumulating ever since. 
The insurance is charging a fee based on the principal which is entirely fee 's and interest. 
The insurance is a program also run by the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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  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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX/2017. This was a {$650.00} loan. The annual percentage rate of 558.4701 % which I did not know about which in total the finance charge would be {$1200.00} at the end I would pay in total {$1800.00} for {$650.00} loan. I tried to pay in full at the beginning but was unable to because they were giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed out a letter to Equifax Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Equifax since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Equifax has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Equifax must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house and today XXXX/XXXX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item needs to be removed off Trans Union file # XXXX.