23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax blocks consumers who have frozen their credit files from being able to use the online XXXX site to get their free annual credit report. This violates the spirit, if not the letter, of the law. 
I spoke to Equifax about this. They assert that " for my security '' ( because I have a freeze ) they will not answer a credit report request online. This makes no sense. I have a freeze PIN which I can use at Equifax 's website to unfreeze my credit file ; that clearly is a much more security-sensitive operation than viewing my own credit file. Thus, the conclusion we must draw is that Equifax is deliberately making it harder for consumers to exercise their right to see their own credit report, in order to dissuade consumers from protecting themselves by setting up the freeze. Equifax must be penalized, and forced to change their procedures, so that consumers who have frozen their credit files can use the XXXX site ( or a direct Equifax web page ), along with their freeze PIN, to get their free annual credit report, in accordance with the law.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE INQUIRIES AND ID THEFT ACCOUNT NAMED IN THE DEMAND LETTER PLEASE ALSO REMOVE ALL FRAUD HOLDS ON MY CREDIT REPORT
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed.     Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.
Product: Credit reporting or other personal consumer reports

am writing to dispute inaccurate information on my credit report. Payments have been made on the listed accounts, yet the balances falsely reflect higher amounts instead of decreasing as they should. This is fraudulent and shows that the accounts are being reported inaccurately. I have also sent a letter requesting validation of these accounts, and over 30 days have passed without any response. From XXXX. XXXX its now XX/XX/XXXX If the information regarding payments and balances can not be trusted, it undermines the credibility of the entire reporting process. Therefore, I request the immediate deletion of these accounts from my credit report, as Experian has failed to ensure the accuracy and reliability of the information.
Product: Student loan

I made a large payment on XX/XX/2023 that was supposed to be distributed over 11 loans that I have with Mohela. They did not distribute the loans correctly, and made significant errors. I have now called them 3 times to fix the error and they keep making more mistakes. Each time I call I have to wait on hold for over 3-hours. I have tried multiple times to fix this problem and they keep making the same mistakes, please help.
Product: Credit reporting or other personal consumer reports

I am reiling this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, I received a notification that ( 11 ) delinquent accounts were added to my credit file. After review, it was ( 11 ) US Dept of Education accountsthat were deleted in 2021 ( due to being re-aged by the original creditor ) .Pursuant to 15 U.S.C . 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act, TransUnion was obligated to notify me, in writing, no more than ( 5 ) business days after the re-insertion of these accounts ( this did not happen ). TransUnion received my credit dispute on XX/XX/XXXX regarding this matter and other discrepanciesfound on mycredit report. 
On XX/XX/XXXX, TransUnion made initialcontact with me -- -they provided a copy of my credit report and acknowledged that I had a dispute in progess. On XX/XX/XXXX, I contacted the company by phone because I had not received the results of my credit dispute.I was transferred to an international supervisor by the name of XXXX. Once I was transferred, I began recording the call. I asked XXXX, on which date did TransUnion mail out my dispute results. He told me twice before opening my file, he could mail it thatday ( XX/XX/XXXX ) if it had not been mailed. After reviewing my file, XXXX confirmed that TransUnion did not mail out the dispute results. I informed XXXX that TransUnion was in violation of the Fair Credit Reporting Act and that all items I disputed needed to be deleted. We went through the following items : ( 11 ) US Dept of Education accounts XXXX, a late payment listed on the XXXX XXXX account, ( 6 ) inaccurate addresses, and ( 2 ) inaccurate phone numbers. ( I have attached the original documents sent to XXXX for your reference ). 
XXXX advised me that all items referenced on the call would be deleted and I would receive a mailed copy of my credit file in 7-10 business days. On XX/XX/XXXX, I attempted to log into my TransUnion account but was denied due to an " ongoing investigation '' I never requested. Instead of deleting the items that TransUnion failed to investigate, XXXX began a brand-newdispute on my behalf. Again, the conversation was recorded, I did not request a new investigation. This is a violation of my rights under the Fair Credit Reporting Act and I am not opposed to litigation if this violation is not corrected immediately.
Product: Money transfer, virtual currency, or money service

Complaint Against Wells Fargo Failure to Trace a Returned Refund. 

On XX/XX/XXXX, I made a {$710.00} payment to XXXX via XXXX using a Visa card ending in XXXX, which was linked to my Wells Fargo Bank XXXX. account. In XX/XX/XXXX, I canceled my reservation, and XXXX issued a refund on XX/XX/XXXX. 

My Wells Fargo account was already closed at the time of the refund. Per Wells Fargo 's policy, any transactions to closed accounts should be automatically rejected and returned to the sender ( XXXX ). 

However, XXXX insists that the refund was processed successfully on XX/XX/XXXX, while Wells Fargo claims the refund was never received or processed. To resolve this, XXXX provided me with a trace number for the refund transaction so that Wells Fargo could locate and confirm the returned funds. 

Despite multiple requests, Wells Fargo has refused to trace the refund using the trace number, stating that they can not assist me since I no longer have an account with them. Additionally, Wells Fargo incorrectly filed a dispute on the original XX/XX/XXXX payment instead of investigating the XX/XX/XXXX refund issue. 

Attempts to Resolve the Issue. 

( 1 ) Contacted Wells Fargo multiple times and provided XXXX 's trace number, but they refused to investigate the refund. 

( 2 ) Wells Fargo misfiled a chargeback claim on the original XX/XX/XXXX payment, causing unnecessary delays. 

( 3 ) I remain stuck between XXXX and Wells Fargo, with each company blaming the other, while my {$710.00} remains missing.
Product: Credit card or prepaid card

LL Bean Mastercard closed my account after 14 years of business. I have not carried a balance since XXXX  They did not notify me of the closure, nor was I given any notice of the impending closure or an opportunity to use the card to keep the account open. Closing a 14yo account t affects average age of credit and negatively impacts my credit score. 
I will no longer patronize LL Bean as they are affiliated with this card and bank. 

I URGE CONSUMERS WHO HOLD AN LL BEAN MASTERCARD TO STOP USING IT AND STOP SHOPPING AT LL BEAN UNTIL THEY TAKE ACTION TO PROCTECT THEIR LOYAL CUSTOMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed account which i believe was reporting in error. 
XXXX  XXXX : {$19.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is reporting an account closed that I have not ever had closed and has always been opened and in good status. I have reached out to Experian numerous times about this and they have ignored my requests and now will no longer process my requests to correct this error. all the other credit agencies have the information correct and Experian is the only one with incorrect date being supplied and shown on my report. they are reporting a closed credit card account with best by and my best buy account is opened and has been verified by best buy credit card department, I have reached out to Experian on this matter for over a year now. please make this right and update this correctly so my credit file reflects correct information.
Product: Vehicle loan or lease

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly update or delete all information that is inaccurate, incomplete, or which can not be verified. 

Youre reporting inaccurate and inconsistent late payments. Details are listed below : XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days
Product: Checking or savings account

XXXX. com overcharged my accounty by {$27.00} on XX/XX/XXXX and XXXX XXXX. 
I called my bank, Huntington, and they were supposed to credit the XXXX  withdrawl as soon as it posted to my account, the first charge of {$9.00} posted today, XX/XX/XXXX, and now HUNTINGTON LIED, AND REFUSED TO CREDIT THAT POSTED AMOUNT.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I send a XXXX $ wire to XXXX XXXX XXXXXX/XX/year> to XXXX XXXX from my Citi bank checking account to make a trade I was scammed by XXXX XXXX I try getting my money back and they keep giving me empty responses I made a recall for the XXXX $ on XX/XX/year> my bank which is Citi bank made a horrible mistake and recalled XXXX XXXX but the wrong bank than we finally fix that and customer bank would not respond to my bank I put out a fraud investigation with XXXX XXXX fraud team and they didnt help either!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

account/inquires cant be verified and need to be removed from report ACCOUNT ACCOUNT NUMBER AMOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$9300.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Consumer Loan

We have a loan with One Main Financial and feel we have been misled in so many ways. They are using our vehicle even though it 's already being financed through a Credit Union. They never explained how much interest we would be paying over the life of the loan. We asked for help on a somewhat different matter and will not get a response either. They are very convincing to people in bad and desperate situations. So far, we have lost about {$600.00} in fees and interest
Product: Credit card or prepaid card

I traveled out of the country on XX/XX/XXXX and returned on XX/XX/XXXX, XXXX when I returned I noticed some unauthorized transactions on my TD Bank credit card. I called immediately to report and inform them of the unauthorized transaction on my credit card. Even though my credit card was still in my possession. There were six different transactions that occurred on the card, which summed up to {$760.00}. I spoke with someone on the phone and it was made clear from the conservation that, once the card was in my possession and the transactions proved that the card was physically present for those transactions, there was nothing they could do. She then proceeded to ask to file a police report if I wanted to consider the case legitimate and increasing my chances. I did file the police report and faxed it over. 
Going back and forth on the phone, I was told to go see a local representative at any local Td bank to try and resolve the issue. but when I got there. they informed me that there was " nothing they could do ''. They don't usually handle fraud and dispute. The only thing that was resolved my them canceling my credit card and issuing me another one. 

I received a letter saying my case close and I was responsible for the unauthorized transactions. After reaching out several times, most representatives could not give me a solid reason as to why my case was closed and I was responsible for the {$760.00}. A representative told me to fax the police report over so the can open the case again. Which I did again. Another representative told me they never got my fax. I fax it again. Different representatives gave me different stories as to why my complaint has not being resolved. The recent conversation on the phone with a representative stated my claim was on the system and will be reviewed by top management. 

I was vetting out on social media and my informantion was taken. I lady by the name of XXXX reach out to me. explaining to me the process but nothing was resolved either. She was supposedly in top-level management While this dispute was going on. I was made aware that I am not responsible for any payment until the issue was fully resolved. I was very dismayed when I received a letter on XX/XX/2020, stating that, my monthly payment of {$7100.00} is past due. And before that my monthly payment was {$35.00}. 

This whole process was quite frustrating and not my fault. I don't see any reason why I should be footing a bill I am not responsible for.
Product: Credit reporting or other personal consumer reports

Hello, I have called over 20 times since XXXX XXXX to request access to my credit report, but each time, I have been refused access to my personal credit account. Despite verifying my identity over the phone, I have received numerous excuses such as promises that someone will call me back, claims that the system is down, statements that no supervisor is available, or even being abruptly hung up on. 

As an American citizen, I have the right to access my credit report to monitor it, freeze or unfreeze my account, and ensure its accuracy. I kindly request immediate access to my personal credit account as per my rights. 

Here is the error I get every time I try and log in to access my account Oops, we're sorry! 
Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call from a place saying they were attemptening to colect a debt. However I do not recall ever recieving a loan from XXXX XXXX XXXX, it is not even on my credit report. I went on there website and they can't even locate me. The so called collection company call me at my work and threatens me. THey called just today saying they would have me served at my place of employment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a bill, and a picture ID, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- - 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law, which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These are the affected accounts. XXXX XXXX XXXX XXXX bal. {$20000.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to address a matter of significant concern regarding the debt collection activities undertaken by XXXX XXXX XXXX XXXX XXXX in connection with the alleged debt associated with my credit report. It has come to my attention that there may be a serious lapse in compliance with the laws of the state of Wisconsin regarding debt collection licensing. 
Upon recent examination of the relevant state regulations, I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX not possess the required licensing to conduct debt collection activities within the jurisdiction of Wisconsin. This letter serves as a formal request for the Consumer Financial Protection Bureau to enforce a cease and desist of all collection activities immediately from XXXX XXXX XXXX XXXX XXXX. 
It is imperative to bring to your attention that XXXX XXXX XXXX XXXX XXXX engaging in debt collection activities without the proper licensing is a direct violation of the Wisconsin state law. 
Your immediate attention to this matter is crucial, and I appreciate your cooperation in ensuring that all actions undertaken by XXXX XXXX XXXX XXXX XXXX align with the legal requirements of the state of Wisconsin. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX XXXX '' file or account # 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