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

Credit scores are very important for people that do not have a lot of money and need to get loans or move into places. So, I make sure to monitor my score and try to improve it the best I can. I trust these companies with my information and my credit reporting because I have no other choice. I live and die by these arbitrary credit scores and now my information opens me and millions of others to fraud that can prevent me from buying a house, getting an auto loan, or even loans for any children I have down the line that may want to go to college one day ( so I can help build their arbitrary credit score, much like my parents did for me ). Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

You keep XXXX with my credit and score get this XXXX right and stop playing around with peoples lives Im sick of this XXXX how the XXXX do I drop XXXXXXXX XXXX in one day due to incorrect information and 1 inquiry even the lady at FICO XXXX said shes never seen anything like this before in her 20 year career
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid in full in the amount of {$1100.00} on XX/XX/23.
Product: Checking or savings account

XXXX XXXX has XXXX both of my savings accounts, one of which my paycheck is direct deposit into. I have called them on XXXX, when I finally get to the correct department on XXXX, they wont tell me why exactly my accounts have been block. But the first time speaking to someone in the correct department they took all my employment information and told me they will review but cant tell me when the accounts will be un blocked.On XXXX I called again and ask them to tell me why my accounts are block again they wouldn't say, only that they needed more information on my personal worth! 
I provide that information and again they said they would review but they cant tell me when the accounts will be unblocked. I asked please expedite my request because my paycheck goes into that account and I need access to my funds.
Product: Debt collection

I called to cancel XXXX XXXX cable because I couldn't afford their service anymore the customer service rep said there were going to waive all the charges from what I owed {$92.00} I didn't have to pay it now it's on my credit report
Product: Debt collection

they will call constant from XXXX everyday about XXXX or XXXX times .from different phone numbers. when you try to answer it hangs up. 
they have learned to go around the block and leave XXXX to XXXX messages on voice mail. even when you speak with someone they will call back. this has been on going. they will call even with the 7 day grace periord. conn 's has over done it so many times. 
the call from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : Fair Collections & Outsourcing Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking weed, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to FCO. I spoke with FCO sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this grievence due to my frustration with a medical balance that was regretfully placed with Nemos Collection. I recently created an account to monitor my credit and was alerted to a collection still reporting to the bureaus that was paid with the understanding it was going to removed from my credit profile, which I now see it was not. I reached out to Nemos Collections for clarication and to request a deletion of the collection but was met with if I paid my bills I wouldnt be in this situation & that this is my fault, etc. which is highly unprofessional and unethical. In hindsight, had I have known I could have disputed the collection while I researched the validity of the balance to ensure it was in compliance of the Medical Debt Act & HIPAA guidelines I would have gone that route. This is not my area of expertise which is why I trusted, in good faith, the process. Due to erroneous collection tactics, I would like this collection removed from my credit profile with the bureaus. The debt was settled XX/XX/2018.
Product: Credit card or prepaid card

I have been trying to get Barclay to send me my refund balance of {$1300.00} since the middle of XX/XX/2020. No one will answer the phone nor will they respond to the 5 emails I have sent them. Online they say they will respond to messages within 6 hours. No one responds. I eventually closed my account thinking that would nudge the system to send me my money, but so far it hasn't. I understand the situation with Covid 19, but this is ridiculous. The phone lines indicate longer than normal wait times. I have waited 45 minutes and still no representative. I need my money due to being out of work. Please help me with this.
Product: Consumer Loan

My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report
Product: Debt collection

Santandar Consumer USA continues to collect a debt that has been written off by the company. I have contacted them for over a year with no change to the debt. They're XXXX understand the term " written off '' means they accept the debt as a loss to the business which means I do not owe this debt. They have not sold my debt to a debt collector yet they continue to personally collect this debt while also using the accounting term " write off '' when describing my debt and how the company handled it
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America credit card reversed a charge back in the amount of {$2500.00} previously issued against XXXX XXXX XXXX XXXX also known as XXXX  Held Desk. Bank of America alleged : " We can not intervene in situations involving a merchant 's return, refund, or cancellation policy ... Merchants may operate their businesses independently and set return and refund policies that best suit their business needs. I disagree and believe that Bank of America 's assertion is in violation of the Fair Billing Act, my consumers rights by using services not provided or received and also it constitutes a breach of contract with Bank of America cash reward credit card. 

The presenting issue stems from a travel ticket I previously purchased with my Bank of America Visa Cash Rewards through this Agency with its Headquarters in XXXX XXXX, CA. I was unable to use the ticket for travel as intended because I was wrongfully prevented from boarding the plane by the airline through no fault to me. While in transit at the XXXX airport, XXXX and traveling to XXXX as a dual citizen of XXXX and the USA, the travel agent did not realize that I did not need a visa on my USA passport and that my XXXX passport was sufficient. When the XXXX airlines eventually realized the error, the plane has departed. I contacted XXXX XXXX XXXX or XXXX Help Desk at the airport and was denied boarding another plane reportedly because my ticket was non refundable. Other monetary damages and losses occurred as a result as I had to return immediately to the United States from XXXX XXXX. 

I would like a review of the basis of Bank of America 's denial along with its investigative process. I do not believe that Bank of America conducted a fair investigation into this matter, has partially sided with the merchant and have not followed up the rules and regulations of consumers rights related to services and goods not received. This was through no fault to me and caused by the merchant 's negligence and predatory tactics. I have never been afforded due process as I have been unaware of the merchant 's response. I should have been given the opportunity to respond back to the merchant 's allegations or some evidence should have been collected and presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is intentionally reporting unverified and inaccurate account information from XXXX XXXX account. Account has been deleted from two other credit reporting agencies. Have sent to Equifax XXXX XXXX 2019, 4 letters with USPS certified delivery to the company and the company refuses to respond to any letters sent to validate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit lock on my account because of prior hacking. For some reason Experian does not have my phone number in their database, so when I try to lease a anew vehicle for example, people can not contact me to confirm the transaction. I have called Experian many times to rectify this, and each time they assure me the phone number has been added, but it never is. Last time I talked with them to rectify this was early XX/XX/2019. I spent a long time on the phone with multiple people at Experian who assured me this time it was corrected. I now find it has not been, and it is causing me credit issues again. What do I have to do to get Experian to work for me instead of against me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car ( my first car ), I was scammed. The vehicle broke down on me and the company I brought it from wasn't trying to help at all. I was charged XXXX for a used XXXX XXXX with XXXX miles on it. I had no clue about buying cars. I kept trying to refinance and no one not even credit acceptance would refinance. The car ended up breaking completely down. I willingly told them to come get the car, after I had already paid it down to about XXXX. They took the car and resold it for ( how much I don't know ) but they never took that balance off my loan. This was in XXXX. Here we are in XXXX and this company is still falsely reporting to the credit bureau that I'm missing payments. They closed the loan every time I call and have my lawyer call and then reopen it and say I'm missed a payment constantly damaging my credit. They have been doing this for years. It has to stop. I never agreed to another payment against after I have the vehicle back and they are constantly reporting false information to the credit bureau.
Product: Credit reporting, credit repair services, 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$220.00} 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX  XXXX. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
XXXX, XXXX, Equifax are non-affiliated third companies & an invasion of my right to privacy
Product: Credit card or prepaid card

Was contacted by company stating I was past due on payment. Notified them that I have not used card since previous one expired in 2020. I had never received another card nor activated one. The person I spoke with would not listen as I explained I have made no charges and kept interrupting me to ask for a payment. I again explained that these are not my charges but again was told to make a payment as if they were reading off a script and not listening to me. I will not make payments on charges that are not mine on a card I have NEVER received and NEVER activated. And I didn't even hear from this bank until months after they claim there were charges. Plus this is a different bank then the one from when I originally opened the account. I refuse to pay charges that are not mine and this is a TERRIBLE company that will not listen when I explain these are not my charges. I've had impeccable credit & would have no reason to randomly jeopardize it now but I will not be bullied by horrible companies with no customer service demanding payment from me on unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness,XXXX credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( XXXX ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( XXXX ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.
Product: Mortgage

I 'm an XXXX representing a gentleman who has a mortgage with US Bank. The home went into foreclosure XXXX 2014, 20 months ago. Twenty months ago. The home is no longer in foreclosure because the lender has failed to prosecute the foreclosure. The lender does not even realize that it is *no longer in foreclosure* due to its own delays. My client and I spent XXXX minutes on the phone with US Bank today. We were transferred many times, asked the same questions many times and, in the end, told that it could not assist us. It referred us back to the foreclosing attorneys with whom we spoke yesterday. The foreclosing attorney noted that it had no information on the property other than the fact that it was in foreclosure. It is *not* in foreclosure. US Bank took too long to prosecute the foreclosure and the Public Trustee removed it from the process In Accordance With The Foreclosure Law. All my client wants to know is what does US Bank intend to do? Instead US Bank insists that the property is in foreclosure and has referred me to the foreclosing attorney. Truly going round in circles here and both the foreclosing attorney as well as US Bank are well aware that it has engaged in a run around with my client. Consumers should not be treated in this fashion. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CO XXXX
Product: Credit card or prepaid card

Due to the COVID-19 pandemic crisis, I was laid off of work on XX/XX/XXXX. Once I realized I would have problems paying my bills I called every creditor, including Home Depot on XX/XX/XXXX, and asked for a hold on the balance of my deferred interest payment that would be due on XX/XX/XXXX. I was told that they did not get direction from corporate as of yet, and did not know if they were helping their customers with their accounts. However, they would have someone call me back or send a message as soon as they knew. I waited a little over a month, and noone called back. I called again on XX/XX/XXXX to ask what ( if anything was being done ), and I was told I would be put on a COVID-19 account assistance and my deferred interest payments would be put on hold, and what was already charged on XX/XX/XXXX would be reversed since I call just days before that. I waited, and it was not reversed. Therefore, I called again on XX/XX/XXXX, and was told the exact same thing and this time the rep ( who was very helpful ) said she went in and did it herself and I should see the change in my balance within a few days. I then received a letter via online, which stated my request was denied. Naturally because I was told that this was handled already I was confused as to what request this letter was referring to, so I called. I was then told that the rep was mistaken and although she said this would be handled ( which I am is on our recorded call ) they would not reverse the {$1500.00} that was added to my account on XX/XX/XXXX as as as well as the {$130.00} that was added on XX/XX/XXXX, and give me extra time to pay the promotional balance that is due, since I made it clear that due to the COVID-19 I was out of work. I would like them to remove this extra interest charge off of my balance, which is lowing my credit score, and give me an extension to pay my promotional balance, so that extra interest is not applied to my account balance in the mist of this global pandemic that has halted my family 's income. Thank you in advance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX  ) . Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX 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 an 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.