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

I have been trying to remove a simple credit freeze on my credit report for the past week. I am not able to access the option via the TransUnion website because it says the option is unavailable. Typically this is an issue due to maintenance but this has been ongoing. I DEMAND THIS FREEZE TO BE REMOVED IMMEDIATELY!
Product: Checking or savings account

I open this account with CITI online. and transferred my direct deposit over to the bank. I open this with XXXX and I have not had access to the account and no one will tell me what is needed to clear up what the issues is. I have called and spent hours on the phone. This has been going on since XXXX. Now my direct deposit is in the account and I have no access to it. They continue to say that i will get a letter in the mail. WHY cant these people tell me what I need for them to unlock my access. I have not gotten went to social media and they reached out to me I sent my ID all my information for them to tell me they could not help. This is crazy that I cant get any assistance. I dont even know the account number because I have never had access to the account all I have is my social security number. I used my debit card from my XXXX XXXX XXXX account to fund the account. so you will need my social XXXX. XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have denied a new bank account on XXXX because of an account at XXXXXXXX XXXX having been reported to ChexSystems. I never opened an account at XXXX XXXX and this account is fraud. I have called many times to XXXX XXXX but they are not able to help me. This is very frustrating because I am just a college student and have no access to a bank account. I ask that you please look into this so that I can have a bank account. I have put my personal info below so that you can quickly locate my account. When I called XXXXXXXX XXXX  they refused to provide me a bank account number. 

My personal info ; XXXX XXXX XXXX XXXX : XX/XX/1999 SSN # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By following the steps from the FTC identity theft program I sent letters to all three credit reporting agencies on XX/XX/2020. The package included a cover letter, using the template provided by the FTC program including the amounts of each fraudulent account, totaling over {$2500.00}. The packet also included my FTC Identity theft report, police reports, copy of the FCRA 605 ( B ), copies of the credit report of the agency the packet was sent to along with dates of the accounts opened fraudulently, amounts of the fraudulent debts, additional documentation such as copies of forged checks directly from the bank, ( to further illustrate the fraudulent use of my stolen identity and information. The credit reporting agencies confirmed they received the information, however the written notification of my request to have the information blocked and removed was denied and the reasons were word for word the same for all 3 credit reporting agencies ... '' your request to block was made in error, or your request to block information was based on a material misrepresentation, or your knowingly obtained or should have known that you obtained possession of goods, services or monies as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block the information ... .. '' I have also now completed all the steps outlined in the FTC program and the first investigation result letters arrived from the CRA 's. I am dumbfounded that they all used the same worded statement, but the statement infers that my entire claim is, well a lie. Again, my correspondence included police reports, identity theft reports from the Federal Trade Commission, police witness statements, reports and copies of forged checks. These identity theft fraudulent accounts have severely damaged my credit and I am on XXXX as a direct result of the original robbery whereby my identity and all my information was stolen. The entire process has been incredibly cumbersome but I followed all the instructions from the FTC step by step program, provided more than sufficient evidence of the case and to be accussed of basically of being a liar, or politely " made in error '' or " material misrepresentation '' I INCLUDED THE POLICE REPORT, there is no misrepresentation, or " knowingly obtained or should have known you obtained goods, services or monies ''. I dont know where else to turn to, this complaint is the next step on the list of FTC program. If the fraudulent accounts that were opened and have severaly damaged my credit worthiness can not be removed after including police reports, Federal Trade Commission report, an over abundance of evidence, if this isn't enough evidence then no one could possibly provide enough evidence. I have requested documents from all lenders/debt collectors to validate/prove the account ( s ) are mine, I have received no documentation of any kind from any of the lenders/debt collections, this only reinforces my case. I have no idea what else I could provide. So that is my complaint. Hopefully, something can be done.
Product: Debt collection

On XX/XX/2019, I was notified by XXXX that something from Waypoint Resource Group was posted to my credit report. Upon review, I didn't recognize the amount of {$130.00} or that company. After some research, I learned it was originally from XXXX XXXX, a local phone/internet company in XXXX XXXX, NV. I did have an account with them but have closed it over 2 years ago, returned all the equipment and paid my balance. Waypoint Resource Group has since posted the collection 2 more times to my account, each time I was only alerted by XXXX, never was I contacted by this company or XXXX. XXXX on XX/XX/XXXX, then again on XX/XX/XXXX and again XX/XX/XXXX. I've attached a payment receipt for the closing of the account which shows the payment confirmation in the amount of {$130.00}, I can only assume this is the same account since I only had 1 with XXXX and as I stated, it's been closed for some time. Waypoint is fraudulently reporting this same closed debt over and over again in an obvious effort to pressure me into paying.
Product: Credit reporting or other personal consumer reports

A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. XXXX and equifax did not remove it.
Product: Mortgage

Loan Number : XXXX I am a single mother of XXXX children and I 've been struggling every month to make my monthly mortgage payment of approximately {$1800.00}. I have applied many many times over the years, starting in XXXX for the XXXX mortgage modification program. OCWEN representatives emails me the documents, I complete it and faxed everything back and then months later I receive a letter stating they have n't received a tax form or something else did n't go through. So, I quickly refax it and call the customer service line and they tell me they received it. Then I hear nothing back. I keep calling and calling and they tell me they are reviewing my file, and NOTHING. I 'm sitting in limbo and then I 'm told to maybe default on my payment so I can be approved quicker and I WILL NOT DO THAT! I pride myself in making my payments on time although it is critically impact my livelihood and my children 's. 

It 's fraudulent to consistently be left without a decision, when I am clearly qualified for a modification. I have all the letters from OCWEN since XXXX and not one letter has come my way stating that I am not qualified and the reasons as to why I am not. 

I unfortunately am upside down on my home value and can not refinance anywhere although my credit score is outstanding. 

I 'm stuck between a rock and a hard place, I just feel they are trying to pressure me into giving up so they can take my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/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
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Debt collection

EOS-CCA ( XXXX XXXX ). Total debt was over 3000. 

I requested a settlement offer and I was also told that they could not provide this information in writing to me. 

I requested to make a final payment based on a settlement offer that I was provided in XX/XX/XXXX. I was provided a {$1500.00} settlement offer with payments for a 4 month period. {$370.00} per month. At no time did EOS CCA tell me that i had a 30 day window to pay this settlement offer. 

I called at the end of XX/XX/XXXX to change the payment to {$100.00} and to move the balance from that payment to the next payment due to unforeseen circumstances. Not one time was I advised that my settlement offer was going to be cancelled. 

I called again to do the same thing and once again no one stated that my settlement offer was cancelled. 

I called on once more asking about removing the debt from my credit report. I was advised that it could not be done. 

I made another call XX/XX/XXXX to get the final payoff of the settlement and it was that time that I learned he settlement had been cancelled. They try to say that I have not made payments when In fact, I made payments in the amount of {$100.00} and {$50.00}. 

I was just told by a representative today XXXX that I had 3 additional payments scheduled. How can that be if they only provided me 30 day window. 

I am requesting that this debt be REMOVED from my credit report. as I was provided incorrect information.
Product: Debt collection

I called this company numerous times in the last 2 years. I contacted the hospital they claim to represent, and the hospital stated that I have no debts to them at all, and any bills I had were paid in full and closed. I NEVER ONCE received any information from this company about this so-called debt, or I would have disputed years ago, back 6 or 7 years ago, they claim this first occurred. I only found out about this because my credit score went down, and I was shocked to see this on my report. Every other agency ( XXXX and XXXX ) have recently removed this debt, not only because it was not mine, it was also permanently removed because from what I was advised of because it " aged off '' so I am no longer legally tied to it, is what XXXX  and XXXX representatives explained to me. they stated that all other agencies should have it removed as well. When I advised the company of this nothing has been resolved, and they keep putting this closed acct on my credit report, which legally should have never been put on my report in the first place. I have gone to the police department to file a fraud report as recommended by TransUnion to go along with my dispute. I just want this company to remove this off of ALL MY CREDIT BUREAU REPORTS and leave me alone. And stop trying to illegally get money on something that has nothing to do with me at all. I pay all my bills, all bills with hospitals I had to attend have been closed and paid off for years. I am beyond sick of this with this company. Their attempts of bullying and threatening me to paying a debt that is not mine is illegal. They have tried threatening me with continuing to ruin my credit by refusing to remove their information even though I advised them it is not accurate, the agent claimed she could have a " deadbeat like me arrested '' if you look at my credit report ALL MY BILLS ARE PAID ON TIME, I NEVER MISS A PAYMENT!!! She claims if I just gave the money, they would go away. This is illegal, I want them removed from my credit report IMMEDIATLEY!!
Product: Debt collection

This is a very old debt for which PORTFOLIO RECOVERY ASSOCIATES has issued XXXX XXXX numerous presentments. I have accepted their presentment for value on XX/XX/XXXX which, according to the rules of the UCC, puts me as the holder in due course. Instead of closing the account, XXXX XXXX XXXX has chosen to ignore the law and continued to issue presentments ( XXXX dated XX/XX/XXXX and another dated XX/XX/XXXX ) for the same debt, along with incessant phone calls ( 6 times so far just in the month of XXXX, XXXX ). No contract has ever existed that obligates me to pay PORTFOLIO RECOVERY ASSOCIATES anything, I am the holder in due course of this claim and I am on the National Do Not Call registry. This is a serious breach of the laws which lay at the foundation of our monetary system and I, as creditor and holder of preferred stock in the United States corporation, accepted this claim for value, as is my right for any unfounded claim such as this. As it is, this claim of {$950.00} is now owed to XXXX XXXX by PORTFOLIO RECOVERY ASSOCIATES. 
I would ask the CFPD and the Inspector General to investigate this matter and the abusive practices of PORTFOLIO RECOVERY ASSOCIATES. They seem to believe that they can ignore the law without consequence and continue to issue unfounded claims against anyone.
Product: Credit reporting

XXXX is mis reporting the date of last activity to Equifax for my old master card account. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX XXXX and XXXX ) however, on Equifax it is reporting XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am unable to sign in to the Experian app. I get the following issue : " Experian is committed to protecting your personal information. Unfortunately, we have not been able to properly identify you from the information provided. Please note that your order has been canceled. If you continue to have issues, please contact Customer Care at XXXX. '' Contacting the given phone number for login issues redirects back to the website, which does not fix the problem. I am also unable to access my credit report through XXXX.
Product: Debt collection

I requested the validation of debt with ARS. I recently received a letter back stating that they contacted their client and they verified the debt. And at the middle part of the letter, they listed out the debt, provider, amount of the bill and the date ( which clearly shows that the debt is out of the statute of limitations to collect. 
The does state that they will continue to report as delinquent on my credit report. The funny thing about this debt, Is I don't know any more about this debt and this collection company re-age it, so it looks like a brand new collection on my credit report!
Product: Credit card or prepaid card

I applied online for a credit card in XX/XX/XXXX from XXXX XXXX. When I submitted the application online, the immediate response was that they could not complete the application and that I needed to call a toll-free number to complete the application. I never did. I subsequently received two letters in the mail asking me to call the bank to complete the application, which I ignored because I no longer wanted the card. In XX/XX/XXXX, I received a credit card in the mail, which surprised me because I had never completed the application. But I figured I could use the bonus air miles they were offering, so I called to activate the card. I tried to use the card but it didnt work, so I called back right away and was told that there was a block on the card because I owed late fees on the annual fee that accrued when I opened the account in XX/XX/XXXX ( which I had never done I started the application online in XX/XX/XXXX but never completed the application by calling the bank ). I have talked to XXXX XXXX and they insist that I opened the account in XX/XX/XXXX, which I clearly didnt do. I closed the account but am now faced with damage to my credit score as a result, and Synchrony is being cagey about whether they will waive the annual fee. Also, they never even sent me a bill for this annual fee plus late fee, so if I hadnt called them, I never would have known and my credit would have been trashed, not to mention the debt collectors that could have eventually come my way ... I would like Synchrony to alert the credit bureaus that they opened my account in error ( technically, it was fraudulent they denied my application then opened the account without telling me! ) so that it doesnt damage my credit, and also I need them to get rid of these bogus fees ( annual and late fees ) theyre trying to claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied for a secured credit card with Discover Financial Services on XX/XX/XXXX and was approved. On XX/XX/XXXX the account was opened. On XX/XX/XXXX I was sent an email requesting my signature for IRS Consent form XXXX Then on XX/XX/XXXX I received an email saying my account was closed because they were unable to verify personal information. So now as I am rebuilding my credit I am set back even further with a closed account on my report. The 4506-C clearly should have been sent before the account was opened. Additionally, when entering my income in the credit application there is no mention that they may ask for tax information from the irs. I think they should be more clear to the consumer that it is very probable that they will request a 4506-C after the account is already opened.
Product: Money transfer, virtual currency, or money service

I am a victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds to the XXXX number, I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, I ultimately paid the {$900.00} via XXXX at XXXX on XX/XX/2020. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I never received the keys. I requested my deposit back, but I haven't heard from him. 

On XX/XX/XXXX XXXX, I called Chase and XXXX. Both refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to file for a civil matter. Can you please help trace the funds at Chase and XXXX so I can recuperate the money back? I can provide all transaction details. Chase 's claims department is XXXX.