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

I AM WHO I SAY I AM, I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 U.S.C. 5511 ( c ) ( 2 ) I received a letter from Equifax on 9/18/21 dated 9/8/21?!? Thats a ten day difference I'm pretty sure they are back dating their letters! ILLEGAL. In the letter Equifax stated and I quote " For Equifax to block information under Section 605B on the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report '' I sent you Equifax my Driver 's License, a copy of my Social Security Card, my utility bill displaying my current address ( that you sent your letter to ), a NOTARIZED letter stating the unauthorized fraudulent accounts, and I identified every account that was a result of identity theft in my completed and submitted Identity Theft Report from the Federal Trade Commission. You are violating me and I have already been through enough. How dare you conspire with these companies against me, THE FEDERALLY PROTECTED CONSUMER!?!? Who gave you authorization to report these fraudulent accounts anyway!? I SURE DID NOT!!!! Block this fraudulent information off of my consumer report to cause no more harm, injury and suffering to me and my family.

Equifax is a RESELLER WITH FILE 15 USC 1681c-2 ( d ) ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
Product: Mortgage

I have been trying to get a loan modification from Wells Fargo due to a change in my income. They are giving me the run around, as if they are purposely trying to put me out of my home. They keep dragging this thing on and asking for the same papers over and over again, only to be denied. 
They are not helpful in any way but to take my home. 
I really need help. I do n't know what else to do when my mortgage servicer refuse me any help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Equifax for Violations of FCRA and FDCPA Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their unlawful practices concerning my personal financial information. I believe that Equifax has engaged in activities that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Graham-Leach-Bliley Act.

I have sent Equifax a notice requesting that they stop making reports on my personal finances. Despite this notice, they have failed to comply. The FCRA and the Graham-Leach-Bliley Act clearly state that consumers have the right to privacy, and I feel that my rights and liberties have been infringed upon by Equifaxs actions. My personal life and financial information should not be used for profit by a non-government agency, especially when I receive no benefit from such practices. 

I am particularly concerned about the following issues : 1. **Aggravated Identity Theft** : Equifax has purchased my private information from other corporations and subsequently sold this nonpublic information to other entities without my consent. I was not given any opportunity or notice to opt out of credit reporting, which constitutes a violation of my privacy rights. 

2. **Extortion and Coercion** : Equifax appears to be actively engaged in coercive practices by advertising nonpayment of debt as a means to influence payment. They have also made reports that are designed to disgrace and embarrass me as a consumer, which is a clear violation of the FDCPA and FCRA.

3. **False Reporting** : The reporting of false and inaccurate nonpublic information by Equifax has caused me severe distress, injuries, and damages. This practice seems to be a means for them to profit from the misuse of my stolen identifying information. 

I urge your offices to investigate Equifax for these violations and take appropriate action to protect consumers like myself from such unethical and unlawful practices. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely THE IS NO DEBT OWED ON THIS ACCOUNT THIS ACCOUNT SHOULD STILL REPORT AS A COLLECTION OR CHARGE OFF.
Product: Credit card or prepaid card

My Victorias Secret credit account # XXXX XXXX XXXX XXXX with Comenity Bank was charged a minimum interest charge in late XXXX ( I believe the charge was billed on XX/XX/XXXX ) for which I was unaware. I was not expecting a charge because I had paid off the balance in full earlier in the month on XX/XX/XXXX and had not used the card at all since. After I made the payment I checked to make sure it had posted the next day and it had and the balance reflected {$0.00}. However this charge was apparently for the previous month and was billed after the fact. I was advised it was charged anytime a balance carries over. But most people do not check a credit account when theyve already paid the balance in full. 

Also, considering the fact that the credit card company makes money only when someone carries a balance and interest accrues, to charge a fee for the credit card company to essentially make more money off of you when they are already making money by the sheer fact that you carried a balance and are paying them interest, it just feels extremely predatory to me - like they are finding a legal way to increase interest without actually increasing interest. Which prohibiting the unlawful increase of interest is the whole intent behind usury laws. Because I was not aware of this fee ( it wasnt a practice at the time that I opened the line ), I was advised it was something they implemented later, it continued to carry over and I only discovered it when my credit reporting agency notified me that my score had dropped 150 points because one of my credit lines showed past due. 

I called the credit company directly to say I wasnt aware of any fee, that Id already paid the balance in full and I asked them to please remove the late from my credit reporting - that I had brought the account current and wasnt aware of this practice. I was advised that the fee practice is legal, they can do it, that I missed it, and that they werent going to remove the late payment from my credit for the fee that they charged me for them making money off of me by charging me interest, even after Id paid the balance in full. 

This fee has caused the exact same issue to several other card holders as it has to me. This is a predatory practice, its not a clearly identified or anticipated fee ( like a late fee would be ), and I feel like this practice shouldnt be permitted, this is an overly complicated practice for the consumer, and one only designed for the intent of further making money off of increasing interest payment - without actually having to unlawfully increase the interest rate, thus bypassing usury laws. A lot of consumers feel that this type of fee should be considered a prohibited practice under usury laws.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX my husband and I both use this same CFPB account when needing to report something I hope that is ok, anyhow I looked at my credit wise tracker on Capitol One website this morning and I found a XXXX XXXX by capitol one card opened in my name I have never had a XXXX XXXX Card, I tried to see if my e-mail or info was registered on the XXXX XXXX website and it is not, I tried to ask customer service to locate and cancel this account and they refused as I can not verify info they request because I never opened a card with them, im not showing in the credit tracker any charges associated with the account so it appears that no one is using it, but I want the account closed, if this card is linked to any XXXX state address it may be fraud, a relative, opening the card in my name, I live in XXXX and have never had a XXXX   state address for any financial account, I moved at age XXXX before I had any credit, ive been in XXXX at the same address most of this last 15 years, I can provide any details you need to locate me I think they should be able to find account with my name and social and close this please, maybe capitol one just opned an account without consent from me, I have no idea I just know I never had a card withthis store they don't have my email on file and they refuse to help me resolve this issue I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the XXXX and XXXX and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( CAPITAL ONE ) - I've sent out a debt validation letter to capital one for proof of ownership on the debt of a credit card that capital one claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( capital one ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with capital one. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to Capital One they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times. 
. 
XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX   Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX & XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX   XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX  XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX  Inquiry Date..XX/XX/XXXX
Product: Student loan

I 've been repaying on my loans every month since my repayment plan kicked in after XXXX in XX/XX/XXXX. My original loan amount was around {$86000.00}. My original lender was XXXX, now Navient. My private loans are currently under forbearance due to cost. To date I 've paid close to {$60000.00} towards my loans and I 've only seen a decrease in my principle balance of about {$8000.00}. My currently monthly payment towards both fedaral and private loans totals {$750.00}. And they are currently on a 30 year repayment plan. One of my private loans has an interest rate of over 14 %. That 's almost a predatory level of interest for an education loan. I feel like I 've been completely taken advantage of with no one to turn to for help. I 'm literally bleeding money to this lender and no one cares.
Product: Credit reporting or other personal consumer reports

The U.S. Dept of Education is sharing my private information. I have requested they stop sharing and have also attempted to opt out to no avail. Per the FERPA, 34 CFR Part 99 ( The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ) Nor Does the furnisher of information meet any of the without written consent requirements needed to share as stated in 34 CFR 99.31. Please see 20USC1232 Gas well Nor have i been notified per 34 CFR Part 99.7a1 I have sent multiple letters and it is still on my credit report.
Product: Credit reporting 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. 


Account Name : XXXX # XXXX Account Name : XX/XX/XXXXXX/XX/XXXX # XXXX Account Name : XXXX # XXXX Account Name : XX/XX/XXXX XXXX Account Name : 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 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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am writing this complaint on my own behalf their are no third parties involved. I have been a victim of identity theft, and there are still remaining fraudulent accounts listed on my credit report that are delinquent, and have been furnished to my report without my written nor expressed permission. This is a large issue, to be presented to Experian due to the continued efforts on my end to have each of these accounts removed and resolved at once. The accounts I have disputed these fraudulent accounts that are in my name over 7 times now and theyre negatively affecting my credit file. The following accounts on my Experian report need to be removed : XXXX XXXX {$6100.00}, XXXX XXXX XXXX XXXX XXXX {$4000.00}, XXXXXXXX XXXX - {$3000.00}, XXXXXXXX XXXX XXXX {$5400.00}. Not only are these accounts fraudulent but these same accounts are reporting completely inaccurate information acrossed all three consumer reporting agency reports. It is the responsibility of Experian to be reporting 100 % completely accurate information, and at this time, they are not doing so. This is breaking the law, and preposterously making use of my credit file to illegally furnish said accounts that ARE NOT MINE.
Product: Debt collection

On XX/XX/2024 I received an updated copy of my consumer report. I noticed that Metro Collection Services acct XXXX was still listed. This account has never been verified. I have never enter into a consumer credit transaction with this corporation. According to 15 USC 1692g debt collectors are required to notify the consumer within 5 days and send proof of the alleged debt. I never received any thing regarding this account. Furthermore any electronic copies of a bill statement does not prove that I owe a debt. Those documents can be fraudulent and if I never signed a contract with Metro bearing my wet ink signature then you have not right furnishing this false and inaccurate information on my consumer report. I want to remind you that according to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. and ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I processed a payment to XXXX using the CASHAPP prepaid debit card and subsequent available funds in my CASHAPP account. 

On XX/XX/XXXX I was advised by XXXX that the reservation I attempted to make was no longer available and the hold placed on the funds for said reservation would be released. 

On XX/XX/XXXX I attempted to contact CASHAPP to have the amount of {$480.00} released back to me and provided them the case ID from XXXX. 

On XX/XX/XXXX I received correspondence from XXXX advising that they could not use the case ID as a means to release the payment but if I was able to secure an email from XXXX stating the payment was to be released, they would do so immediately. 

On XX/XX/XXXX, after spending a few hours on the phone I was able to secure said email from XXXX and sent it over to XXXX. 

On XX/XX/XXXX I received an email from XXXX stating that they could not see the transaction and that I needed to screenshot it from my phone for them to see the dollar amount. 

On XX/XX/XXXX I responded with the screenshot requested showing the amount. 

On XX/XX/XXXX I received a response from XXXX stating that they could not use the information I provided to affect the refund and that any issues should be referred to XXXX. I responded pointing out the obvious fact that the information provided was the exact information they stated they needed and at no time did they claim that any of the provided documents ( upon receipt ) would not suffice. Furthermore, despite articulations that the information would not suffice they gave no remedies or instructions on what would suffice. They essentially decided to simply ignore the documentation provided ( that they requested ) and move to deny providing the refund. 

At this point, any financial vehicle with unregulated access to funds should be held accountable when it shows to be operating in poor faith. The question is not only why they do not affect this refund but ; 1 ) where is the money 2 ) who is gaining interests on the capital 3 ) is this money being reported as income to the IRS?

4 ) where is this money being held?

5 ) who enforces standards against predatory financial instruments 6 ) if I do not receive my refund, is that considered a loss and as such can I seek to strike that as income from my income taxes?

7 ) when this type of behavior causes financial hardships, is CASHAPP responsible for any subsequent financial harm caused by their poor stewardship.

9 ) should business such as this be allowed to operate or have access to standardize institutions when this type of behavior in large scale could cause widespread economic harm? 

These are questions that should be asked by not only regulatory agencies but lawmakers as well. In this time of economic hardships, they Gov us a fiduciary responsibility to ensure these type of operations are not allowed to continue and remained unchecked. 

For me, it was only {$490.00}. For the less fortunate or those who can not access traditional banking options, it could be their lifes savings.
Product: Payday loan, title loan, personal loan, or advance loan

WELLS FARGO has not properly processed payments for these accounts. I have attached a letter that goes into further detail ( please see attachment ).
Product: Credit reporting or other personal consumer reports

The company did not look into my account nor prove that the account belonged to me. I submitted a dispute with equifax XXXX XXXX to gain clarification & fix my credit report. They did not help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian informing them that I was a victim of identity theft and documentation supporting my claim. Experian removed some of the accounts, but one reappeared on my consumer report. This process has been highly stressful and is a prime example of aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid my balance in full with the credit card company back on XX/XX/20 of@XXXX. I am now getting charged interest of {$7.00}. I don't understand where they think I owe this money. I paid my balance over a month ago and they want me to pay interest charges due in XXXX.
Product: Money transfer, virtual currency, or money service

I used my online account at Optum Bank XXXX to request {$62.00} payment to XXXX  XXXX on XX/XX/2024. My online account shows a deduction of this amount on that date. 

As of XX/XX/2024XXXX XXXX XXXXXXXX has not received this payment. 

I previously requested payments in this same way, and they were processed.

Optum Bank states that they present " virtual card payment '' to providers, and if the payment is not accepted after 30 days, they issue a paper check. Optum bank claims that they sent a paper check on XX/XX/2024. 

I use online banking tools at XXXX XXXX  and never experience this kind of delay.