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

On XXXX XXXX 2017 I called Equifax and spoke to a rep regarding my dispute # XXXX of all unauthorized inquires that was reported as " verified '' and I asked how were they verified. The Rep told me that they really can not investigate inquiries and that even though they give you the option it seems to do so and use " unauthorized access '' and that if I feel that it was not me to call the companies and have them modify it. I asked for a supervisor. I was told the same thing and that I could go to fraud department and put an alert on my account. I proceeded to state that why even offer the option to dispute inquiries if there is nothing that this department which is the Dispute Department can do about it. Plus to tell me to contact companies I already contacted before I disputed with you and that you clearly stated you investigated in your report but you just now told that you do n't do which I believe to be true because if you had it would n't have been " verified '' as was reported back to me. That seem to be misleading plus to tell me to prove that I am a victim of fraud when not only 6mths to a year ago I had a case of identity theft with someone opening a XXXX XXXX Credit Card and putting a freeze and fraud alert on my accounts and that Their own company notified ME that my info was a part of the breach Is utterly ridiculous to me. Plus I was told to get a police report which the police had already advised me that it was a non tangent offense since no offer was extended thus no crime was actually committed.
Product: Mortgage

Violations of laws and consumer protection rights, lender fiduciary responsibilities, and bad business practices. Caliber Home Loan Company ( XXXX, XXXX ) has been dismissiveness and unresponsive to my request to cancel my escrow account and return all funds to me. 

On XX/XX/XXXX, I sent an " Escrow Removal Authorization Form '' to Caliber Home Loans to have my escrow removed. I meet all the requirements to have my escrow removed ( Conventional loan, XXXXXXXX XXXX  equity, and loan documentation allowing removal of escrow upon request ). I received a letter back from Caliber dated XX/XX/XXXX, stating that, " Investor requirements or loan type do not allow escrow removal for your loan. '' I contacted Caliber 's escrow customer service on XX/XX/XXXX and spoke XXXX XXXX and requested written evidence and proof of this claim by Caliber. XXXX XXXX was going to escalate my request. On XX/XX/XXXX, I sent a message to Caliber inquiring about the escalation. I received a boiler plate response back and that leadership was reviewing my request. On XX/XX/XXXX, I sent another communication inquiring about my request and receive the same boiler plate response. On XX/XX/XXXX, I called Escrow Customer Service and spoke with XXXX and went over my request with her. XXXX agreed that my escrow should be removed and saw no reason for it not to be removed. While she was attempting to get a manager to address my request, we got " disconnected ''. I called back and spoke with XXXX. He just speculated on my question and was all over the place but didn't have any factual information or knowledge. He said he would escalate my request ( again ). I followed up with a written communication to them. The response I received back indicated that XXXX had addressed all my concerns. 

Caliber continues to collect and hold my escrow for their financial gain and will not respond to my request for proof and documentation to support their claim that my escrow is not allowed to be removed.
Product: Credit card or prepaid card

Can't get money, or use the card. I have verified several times. It is not right. Fix this please. Need the card activated. Have XXXX XXXXXXXX dollars and can't get the money.
Product: Debt collection

I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

CREDIT COLLECTION SERV - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I answered a phone call after being called 9 times in a 24 hour period. It belonged to sunrise credit services, stating they are collecting a debt on behalf of XXXX XXXX XXXX. I told them that they have violated FDCPA guidelines. They said they have only called us once. My phone records show otherwise. They also called from different numbers.
Product: Money transfer, virtual currency, or money service

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

Experian continues to list " XXXX XXXX '' on my credit file. The XXXX account I had was closed with XXXX Military XXXX and they continued to charge me after the fact. The account was turned to collections and XXXX will not respond to my phone calls regarding this account. Thus, it must be deleted from my credit because the original creditor does not own the account.
Product: Credit card

As of XX/XX/XXXX, CHASE BANK closed my credit card account ( ending in XXXX ). My account was kept up to date and I believe this account was closed in retaliation for my other credit card I have ( ending in XXXX ). I have sent in alternative financial instruments for that card ( XXXX ) with instructions to contact me via email if there were any problems processing the instruments in order to fix any issues. CHASE BANK never contacted me to dispute the instruments and therefore under Postal rules ( instruments sent via certified mail ) are considered accepted and the debt " MUST '' be discharged! CHASE BANK did tell me that they don't accept such " payments '' after the fact. Since the United States government has assumed all public debt after House Joint Resolution XXXX of XXXX, CHASE BANK can not refuse the discharge of the debt. The government of the United States has assumed all debt obligations and that they shall be discharged, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. " Coin or currency '' means coin or currency of the United States, including Federal Reserve Notes ( FRN 's ), and circulating notes of the Federal Reserve Banks and national banking associations. { see 73d CONGRESS, SESS. I. CHS. 48, 49. JUNE 5, 6, 1933 pg. 113 }. The payments sent in are legal tender and therefore CHASE BANK ( or their Indentured Trustee ) is negligent in their fiduciary duties as to the Public Trust account for XXXX XXXX XXXX. They have harmed me by making me unable to use " MY '' credit to pay bills and destroying my credit scores for future credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multiple Inquiry Removal Letter and Public Record Letter on   XXXX   XXXX    2017 by ce rtified mail in order to dispute information, in regards to  XXXX  hard inquiries and public record, that was being reported on my credit report. They received the letter on   XXXX   XXXX    2017 a nd they completed the request on   XXXX   XXXX    2017. T he request that I submitted included  XXXX  Hard Inquiries and public record that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, F CRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the FCRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries and public record on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and public record that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Experian to delete the account asap.
Product: Student loan

I received message # XXXX, saying i had a payment returned because my payment was a non-transactional account. I was put on hold for XXXX minutes and did not receive a requested call back ; I sent a message on XX/XX/XXXX @ XXXX asking for clarity. 
I received a response XX/XX/XXXX " According to our records, XXXX  your payments from XX/XX/XXXX and XX/XX/XXXX were returned because you used a non-transaction card to make your payments. Unfortunately, we are unable to accept payments by debit or credit cards for federally owned student loans. '' XXXX XXXX has a direct withdrawal on XX/XX/XXXX for {$390.00} which is my monthly payment. I spoke with the bank on XX/XX/XXXX and they said this money was not stopped on their end nor was it returned to my bank account. 

I receive message # XXXX @ XX/XX/XXXX XXXX Payment Has Been Reversed From Account : Please be advised your financial institution returned your payment effective XX/XX/XXXX, in the amount of $ {$390.00}. 
The payment has been reversed from your account for the following reason and your account may now be delinquent  : NON-TRANSACTION ACCOUNT Please contact your financial institution if you have any questions regarding the returned payment. 

I call the companyy and after a XXXX minute queue, the representative determines she has never seen this error and needs to transfer me. 

As of XX/XX/XXXX @ XXXX I have been on hold for XXXX min and XXXX seconds after already waiting XXXX minutes earlier and spoke to a human for XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with the XXXX XXXX bank. There have been numerous phone calls contacting them and they have confirmed that no such account ( XXXX ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX credit, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Student loan

On XX/XX/XXXX I signed for a XXXX loan for my daughter with Texas Guaranteed. in XX/XX/XXXX I filed Chapter XXXX in Mississippi and claimed TG as a creditor which they filed a claim for {$10000.00} which was paid in full and my case was closed in XX/XX/XXXX. I have received phone calls from TG that I now owe them an extra {$4000.00}. The case number from TG is XXXX. My attorney explained to me before filing that creditors would file what I owed them and once they were paid that debt was over. Desired solution is have them quit calling and recognize this is a settled debt by The Bankruptcy Laws. They are also not to affect my credit scores or report in any way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX email- XXXXXXXXXXXX Texas Guaranteed case - XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX XXXX  Amount : {$3500.00}
Product: Credit reporting or other personal consumer reports

I have recently seen my credit reports and noticed that there's inaccurate information on my credit reports. It's hurting me to obtain credit. My understanding that you will investigate to assure accuracy. Please investigate the credit reporting agencies such as Transunion and XXXX.
Product: Credit card

XXXX. I have recording of call. After verifying pii numerous times, and reporting potential fraud of XXXX XXXX Representative failed to close card and send new card. Rep claims failure to provide PII in public is not indicative of fraudulent activity. Interestingly, Wells Fargo is no for charging consumer false fees for situations akin to fraudulent activity.
Product: Checking or savings account

My ex husband got into trouble with Wells Fargo Bank by maxing out HIS credit card ( not mine ). Because our checking and savings were opened 30 years ago - I explained it was simply an oversight to not remove his name from those two accounts after we divorced 9 years ago. We are NOT bankers - we would have needed to be ADVISED to make such a change. Wells Fargo literally emptied both MY accounts without warning causing my account to go negative {$830.00} and causing constant overdraft fees. Shocked - I just wanted the bleeding to stop so I took him with me to explain were divorced and to ask them to remove his name. Wells Fargo COULD have acknowledged the fact that I have nothing to do with my ex- but instead - proceeded to treat ME as if I am responsible for HIS debts. Most of my money comes in from social security. I asked them to at least put THAT money back because CLEARLY its not his and neither are my XXXX and XXXX Wages. Wells Fargo said because I moved my social security from the savings to the checking account to pay my mortgage- it was okay for them to take it. It has been two weeks now. They hate to hear me call their legal department. They refuse to put this matter before a CEO who can make the call to return my funds. Theyve refuse to even remove the negative balance and close the account. Its like a greedy corporation who does NOT care about stopping the bleeding they caused - all they want is more fees and more money by keeping my checking account open to continue the bleeding. Its a joke to them - meanwhile I got left broke by a company continuing to build new branches from scratch - THAT is how rich they are.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Student loan

I have a loan with NELNET XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NELNET XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquires on my credit report. However, I was incarcerated during these times so I did not apply for any type of credit. I asked to dispute then and was told to contact the ftc.gov website. There were two collections for services received during my incarceration as well. All medical services are to be covered by the state. These should not be on my credit either. They removed one for {$61.00} but not the other.
Product: Money transfer, virtual currency, or money service

Coinbase XXXX  put out a press release clearly stating that while trading of XXXX would be suspended on their platform XXXX would still be available for withdraw. I have sent several emails to customer support over the last 10 days and received not one meaningful attempt to help withdraw my funds. They are hiding behind " technical issues '' and indicating operator error. After reading that countless people are having the same issues I believe it safe to say it is not the latter. I'm really curious how this not theft or fraud? Coinbase XXXX  had no problem converting my USD into XXXX and charging me exorbitant fees to do so. Now that I would like to withdraw the currency I can't and I find it suspicious to say the least. I would expect more from a company looking to go public than to hold millions, if not billions of consumer funds hostage. This is a major injustice and I'm shocked it is not front page news.
Product: Checking or savings account

I received 2 emails today stating account information credentials for truist bank which I have never been to or used etc. it notified me I had opened a savings and checking account under my name at XXXX this morning when I was waking up for work. Every time I try to call any number for the bank it asks for my social security or card number which Im not going to disclose, theres no option to speak to anyone. Im broke as can be, theres no way Im opening any other accounts etc, Ive been working my butt off day and night to close credit cards and former debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A background check contains incorrect information : I have never been in Illinois. The assertion that I have been in XXXX, Illinois suggests that my identity has been stolen.