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

I'm in the process of trying to lease a new apartment. Today ( XX/XX/2021 ) a leasing company asked me to unfreeze my Equifax account so that they could do a credit check. 

- First I tried going through the Equifax website, I created an account and submitted information so that they could verify who I was. Then I reached a page stating the verification failed and I could either have them mail me some documents or call them. 
- So I tried calling. I went through an automated verification process where I once again submitted information like my SSN. They sent me a verification code to my phone number which I entered. Nevertheless, in the end I was told that I couldn't be verified and provided with the option to talk to a human agent. 
- So I talked to an agent. Once again I provided information like my SSN, address, phone number, date of birth, email, etc. I was sent a link so that I could take pictures of my driver 's license. The software asked me to retake the front picture of my license 4 times although the picture looked fine to me every time. After the 4 time I reached a screen stating " Sorry, you exceeded your photo limit. '' The agent on the phone informed me that I would now have to send documents by mail or fax in order to get verified : photocopies of my social security card and driver 's license, and a cover letter with additional personal information stating that I requested my credit to be temporarily unfrozen. This would take " 3-5 days to be processed ''. 
- I informed the agent that rentals are competitive in my area and that I needed the leasing agency to be able to access my credit score today. I also explained that I was in possession of a PIN that was given to me when I paid to freeze my credit. However I was told in no uncertain terms that there was nothing else said agent or their supervisor could do. 

I initially froze my credit because of the Equifax data leak a few years ago. It's a service I had to pay for at the time ( something like {$10.00} or {$20.00}, I don't remember exactly ). Now I was told they are not using PINs anymore and I'm supposed to hand over personal information and documents to the company that leaked my information in the first place. Not only that but their process has multiple points of failure which makes unfreezing my credit time consuming and burdensome even if I am willing to provide said documents and information. This is unacceptable in my view.
Product: Money transfer, virtual currency, or money service

Bank of America refuses to refund me for XXXX ( Authorized push payment fraud ). They said they are not responsible for the authorized wire from XXXX XXXX which turned out to be fraud/scam on XX/XX/XXXX. I lost $ XXXX and I am not alone, there are at least 10 others I know of. The wire recipient bank ( XXXX XXXX ) won't share any information with me either because I don't have account with them. XXXX XXXX has said they will comply with authorities and that they need a court order or subpoena to share information. Obviously XXXX XXXX XXXX  XXXX methods didn't work if they allowed a scammer to open accounts and use it for money laundering. 

On XX/XX/XXXX, I wired XXXX XXXX from bank of america to XXXX Trading for investment of the XXXX XXXX XXXX XXXX. I saw earnings and sent another XXXX XXXX  in XX/XX/XXXX ; Saw earnings of $ XXXX until XX/XX/XXXX when I could not login to XXXX nor call because phones disconnected and emails returned. I could not contact anyone at the XXXX XXXX XXXX nor XXXX Trading ; I immediately told my bank regarding the wire fraud/scam and they did recall the wire from XXXX XXXX bank XXXX XXXX XXXX bank is the recipient bank ; I asked bank of america for my money bank due to the Authorized Push Payment Fraud ; They said from the beginning that money back/refund is NOT a guarantee because time has passed between XXXX to XX/XX/XXXX. I had access to XXXX account from XXXX to XXXX that's why I didn't complain. XXXX XXXX just dissappeared and took all investors money with them.
Product: Credit card or prepaid card

ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO XXXX CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that certain derogatory information is being reported without validation, which is a violation of my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ).

As per the aforementioned statute, consumers have the right to request validation of any debt being reported by a credit reporting agency. Despite multiple requests for validation, I have not received sufficient evidence to substantiate the accuracy of the derogatory information on my credit report.

I am requesting that you promptly investigate this matter and provide me with the necessary validation for the disputed items. Please ensure that any information provided is in compliance with the Fair Debt Collection Practices Act and other applicable laws and regulations.

Furthermore, I expect that you take appropriate action to correct any inaccuracies in my credit report resulting from the unvalidated information. Please provide me with written confirmation once this investigation is completed and any necessary corrections have been made to my credit report.

Failure to address this matter in a timely and appropriate manner may result in further legal action to protect my rights as a consumer.

Thank you for your attention to this matter. I expect a prompt response within 30 days as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; FXXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXX  XXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank you for looking a my complaint. Equifax and XXXX done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the fraudulent account in my file that is reporting on Experian Credit Bureau. I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

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

Dear CFPB, There was a late payment reported from the following account in XX/XX/2015.

XXXX XXXX Late payment : XX/XX/2015 This account has since been paid in full and closed. The reason for this late payment was because the XXXX XXXX payment site had malfunctioned and I was unable to make the payment before the due date. I contacted XXXX XXXX to explain this but was unable to resolve the situation. This is the only late payment that is on my credit report and I would like to do everything I can to get it removed. I would greatly appreciate any help you can give me to get this removed from my credit profile.

My email address is XXXX.

Thank you very much, XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied for a XXXX XXXX XXXX online in response to a promotional offer to earn a big {$500.00} bonus. 

I met all offer terms but have not received the bonus. 

Now, I respectfully demand that US Bank pay the advertised {$500.00} bonus. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to the Bank. 



Sincerely, XXXX XXXX
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 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 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 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: Debt collection

I did not sign for this account. Room mate signed up for service. Said I owed for equipment and service.
Product: Credit reporting

Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior.
Product: Credit reporting or other personal consumer reports

I submitted DC police report XXXX showing fraud and credit reporting agency continues to report XXXX XXXX XXXX  reporting negative reporting on my credit reports
Product: Credit card or prepaid card

On or around XX/XX/XXXX I chatted via phone with a rep., while making a XXXX purchase, about a promo offer that I believed to be 0 % because that was the offer I had last seen for my card on the account. I was assured the offer was active and approved so I made my purchase. In XX/XX/XXXX I became concerned because I was still receiving offers and more importantly the offer I approved was not displaying on my end. So I chatted online again on XX/XX/XXXXwith " XXXX '' who assured me yet again that the 0 % offer was active and that I would see it in my next statement. On XX/XX/XXXX the statement still didn't show the offer so I chatted again with " XXXX '' who said the offer was active but not " 0 % '' but 3.99 %! I was then patched to " XXXX '' who notated the account and flagged it for verification of rate and told me to call back in 48hrs. XX/XX/XXXX I spoke with XXXX who restated the rate was 3.99 % not 0 %. I asked for a supervisor. XXXX reiterated this and said " there was no way to adjust the offer because I accepted the 3.99 % not 0. I tried to tell her that my understanding was the 3.99 % was for another Citi card I have and why would anyone do so for such a large purchase? I asked if the current offer on my account could be applied and was told " No ''.  There's nothing else we can do. This is unacceptable to me. Why would I want to pay interest for a purchase when my standard is to pay in full. I only use promos that are 0 %. I feel the least they could have done was applied the offer as I originally understood it to be 0 %.
Product: Credit reporting or other personal consumer reports

These 2 inquiries that are reporting on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit card

On the morning of XXXX XXXX, 2016 I was alearted to charges on my Sams Club XXXX issued thru Synchrony Bank that I did not authorize. At this time I am unsure what other personal informaiton has been put at risk.
Product: Credit reporting or other personal consumer reports

Since XXXX, i have tried to remove the accounts on my credit report that were caused by idenity theft, however the bureaus have been less than helpfull. They say that this was submitted by someone other than me. which is not true
Product: Credit reporting or other personal consumer reports

We traded our car, and we authorize the dealership to only do wine, credit inquiry, and they did XXXX. Please remove them immediately, because now my credit went down almost XXXX points. 
The dealership says they can not do anything, and that they didnt realize, that they were trying to find us the best possible rate. They say theres nothing they can do. Im extremely upset because he took me years and years to be my credit. Please remove all the credit Hits/inquiries for an auto loan. Thank you very much.
Product: Mortgage

Vanderbilt has refused to provide me with all documents, forms, and contracts that may pertain to offers that they have made to settle our account. They proposed XXXX offers. XXXX was for deed-in-lieu of foreclosure, and the second was for a cash settlement to mature on XXXX/XXXX/2016. The have provided the jest of XXXX offers, but have yet to provide complete documentation that would be signed should we agree to either of the offers. I need to review the complete settlement agreement ( s ) including terms and conditions, legal disclaimers, waivers and omissions, clauses, releases, and all other verbiage contained therein. Without this information I can not make an informed decision and can not possibly know my full rights related to these settlement offers. I need to be able to review them in their entirety and have ample time to have them reviewed by legal counsel as well. I received correspondence from Vanderbilt 's portfolio manager, XXXX XXXX, indicating that he did not believe I needed this information. Due to the deadline for acceptance or rejection of this offer, it is imperative that I take the time to make this request even during the holidays. If Vanderbilt can not provide the complete contracts for both offers proposed, then no offer was truly made. I have many questions as to what these final agreements might look like and what restrictive verbiage they may or may not contain. For example, XXXX XXXX, debt collector for Vanderbilt, suggested that I would have to sign an agreement that if I were unable to acquire the funds needed for settlement, I would have to turn the keys over and walk away from the home. He also stated that Vanderbilt would include a clause stating that I would waive my right to legal recourse should I accept their offer to settle the account. This is why I must see any and all verbiage associated with both of the offers. Contrary to XXXX XXXX 's statement to his legal department, quote, " I am really not sure why he wrote us this asking for us to give him our offer again. XXXX gave him the XXXX options we were willing so I am really not sure why he is asking for us to provide that again??? 
XXXX, do we need to give it to him again in writing? '' end quote, I have never received anything other than a vague proposal with no further information that would allow me to make an informed decision. This has already happened twice before when they sent agreements to offer payment assistance and loan modification. 

So I respectfully request this information in its entirely as well as an extension of 30 days for review by myself and counsel. I have attached the original email where I requested this from Vanderbilt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I called Equifax to demand the inaccuracies to be removed immediately. 
I never made a dispute, I was requesting the incorrect information be removed and the agent told me she will be more than happy to help me with my request, but never removed the items only disputed them. These company are abusing my credit with accounts thats not mines remarked getting added and removed every week dropping my credit score. Equifax has failed to properly investigate these accounts, by law they are to do a thorough investigation and I can say they DO NOT! Us consumers lives are in the hands of people who are not compassionate enough to care about the welfare of human beings.
Product: Vehicle loan or lease

NAVY FEDERAL CREDIT UNION denied me a consumer credit transaction. They are in violation of 16 CFR 433.1. They are not exempt because 16 CFR 433.3. I am a consumer according to 15 USC 1692 ( E ). They are in violation according to the Truth and Lending Act. Credit is the right that is granted to me. They denied me this right.
Product: Debt collection

NCB Management Services for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX This debt is currently being reported as open. I have disputed this debt numerous times. I requested signed or E-signed paperwork to verify that it is my debt. 
I have NEVER received any verification from NCB Management. I have requested information about the results of their investigation, but I have NEVER received any written notification. 
NCB Management has reported this account as open since it has shown up on my credit report. If an account is shown as Open, that means that they are still extending credit, and I do not believe NCB Management is a credit-extending operation.

This is a violation of FDCPA U.S.C 1692e ( 2 ) ( A ) by falsely characterizing the account status as " Open '' to all credit reporting Agencies ( XXXX, XXXX, XXXX ) a consumer reporting agency as defined by 15 U.S.C 1681a ( F ) This Open status affects my credit score because it tricks the scoring model into thinking it is a NEW default, instead of a continuation of an old debt that has been charged off. Which is unlawfully reducing my credit score and causing harm to me and my family because I am unable to receive any extension of credit. Please investigate. I am XXXX on a limited source of income. The credit was opened months after I had the XXXX in XX/XX/XXXX. I was receiving XXXX payments from my employer at that time and did not need additional funding. 
Also, I spoke with a Lawyer who stated, that most credit-extending companies do not charge off a debt until at least 2 years of attempting to collect the debt. So that would mean this debt would have been opened sometime in XXXX, not XXXX as being stated on my credit report. So it would be beyond the XXXX limit and that may be why I never received any verification because of the original age of the debt. Even a collection agency must abide by the original start of the debt. 
He said if it was taken out in XXXX, they must have sold the debt within the year of opening it. 
Thank you for your consideration in this matter, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

XXXXavy Federal XXXX illegally charged my checking account overdraft fees estimated at {$30000.00}. I have contacted them verbally asking to refund the overdraft fees. However, no recourse was made.