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

On XXXX, 2021 I became aware of the fact that Experian unilaterally dropped my credit score by 25 points ( from XXXX to XXXX ). I called their so-called help line to find out why. They refused to answer any of my questions using the dodge that I had to hire a outside credit advisor. My credit score aXXXX XXXX is XXXX, at XXXX, XXXX. 

I have no credit card debt, no auto loan and the only debt I have is a very manageable mortgage payment. Nothing has changed as I've had no debt other than my mortgage for the last three years. I have a stable comfortable retirement income The Experian rep suggested that it " might '' be because I don't have any credit card debt and suggested I carry debt!! This begs the question as I've had no credit card debt for three years and out of the blue it becomes a problem? 

How can Experian penalize me for prudently managing my financial affairs?
Product: Debt collection

Theres an account on my credit report from XXXX claiming I owe money for service I didnt/dont have. I didnt open any account, I called XXXX on XX/XX/2020 asking why did they access my credit report, I was told that someone tried to use my social security number for service in Utah. I informed them it wasnt me I live in XXXX and I wouldnt get a contract for phone service because I dont trust phone companies with their outrageous fees. Now all of a sudden I owe over {$5000.00} for something I dont/didnt have, and what company let 's a bill reach {$5000.00} before they decided to stop it. This is fraudulent on the companys part if a person miss a payment they usually cut the service off, they dont let it go to XXXX and then send it to collections. So no Im not responsible for whatever fraudulent charges that were accumulated while using my stolen information.
Product: Credit card or prepaid card

In early XX/XX/XXXX, I purchased 5 {$50.00} American Express gift cards at XXXX. 
I lost one of the five {$50.00} cards on XX/XX/XXXX and called to say that I had lost one of the cards the previous evening. I did not write down the numbers on the card but kept the stickers on each of them. The representative took the information down and verbally indicated that I would be reimbursed. 

I subsequently have received at least four letters from American Express asking for documentation to support my request. The final letter dated XX/XX/XXXX indicated the receipt does not match. The Reference Number from American Express is XXXX and they will confirm that they have requested and I promptly responded to every request. 

The letter sent by AMEX does not have a phone number so there is no one I can call to discuss further. I was hoping that you could help me in resolving this issue. Thanks
Product: Debt collection

Asked for me and when I called back they said they were looking for XXXX my name is XXXX. They then demanded I give the last 4 of my social security number.
Product: Mortgage

Ocwen the 3rd party servicer is forcing me into a undue/unnecessary foreclosure. 
We have complied with all the time lines Ocwen has requested and required. Ocwen has failed to request the BPO appraisal from their vendor management company. I was advised by Ocwen 's escalation management XXXX XXXX | Escalation Manager - Liquidations Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX XXXX www.ocwen.com. See email ( Exhibit A ) from XXXX stating Ocwen would need to obtain the value of the home before they would review the XXXX cash offers we currently have in hand. During this time I had to request a foreclosure sale date, which was granted an moved to XXXX/XXXX/16. During which time Ocwen had problems on their end ordering the BPO/appraisal. I contacted the first BPO agent Ocwen emailed to contact XXXX ( see email Exhibit B ) and XXXX told me she was on vacation for 2 weeks and asked me to contact Ocwen and have them reassign the file to another BPO Agent. I emailed and informed XXXX, then was give another BPO agent to contact See email Exhibit C, I contacted XXXX XXXX, I called him and asked if he can rush schedule the BPO, the BPO took place XXXX/XXXX/16, and I contacted XXXX XXXX today XXXX/XXXX/16 and he confirmed his BPO report has been submitted to the XXXX XXXX XXXX XXXX XXXX ) and that Ocwen should the report by now. I called Ocwen on XXXX/XXXX/16 and the rep indicated she does n't have the XXXX. I 've sent the XXXX with XXXX of the offers, even though Ocwen has no idea what they are basing the value of home since, per XXXX XXXX XXXX XXXX PH XXXX - told me that he will request the BPO valuation today and he should have it within in XXXX7 business day to receive. I 've asked because Ocwen 's process is taking so extremely long, why are they are not willing to postpone the foreclosure sale date of XXXX/XXXX/16 to allow time to complete the short sale. We have XXXX cash offers and we can perform and close this XXXX as a short sale to avoid a foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Reference # 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 in instructions.
Product: Debt collection

Jefferson capital is reporting laye payments!!!!! I never agreed of any sort thing of payments with this company.I don't know where they're getting this from.But this is unethical on their part for them.Being a business and it's a violation of the FAIR CREDIT REPORTING ACT!!!! THIS IS DEFINITELY UNFAIR AND UNETHICAL OF JEFFERSON CAPITOL!!!!!!!
Product: Credit reporting or other personal consumer reports

=My information was sold and bought illegally because I was a victim of the Equifax state of breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax has admitted that I was victim of this state of breach and Equifax has done nothing. 

Please help me delete these illegal items for my credit reports. 

ALSO KNOWN AS XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian on several occasions with the attempt to to correct incorrect information being reported on Credit Report. I have been hung up on several times when an explanation can not be provided when asking about the dispute process. I have been told that there are no supervisors available when asking if someone else could take the call to assist me. I have experienced abnormal hold times when calling this business as if there is something in my account stating to be brief and short with this consumer, if not hang up on her. I do not feel as if I have been supported by the members of this credit reporting agency and have yet to been able to find someone in charge to address these concerns.
Product: Credit reporting or other personal consumer reports

Sending this complaint means that I am expecting a deletion from you within the upcoming 15 days as I am updating my credit reports. And I am positively anticipating such resolution to fix the negative impact brought by these fraudulent items that I listed in complaint. I also included in this complaint just like my previous complaint dated XX/XX/XXXX, the FTC Reports that I filed with reference # : XXXX, XXXX & XXXX. I really appreciate the efforts done by the Bureaus to remove some items but these items should be included in those items that were already REMOVED from my credit file. Please see the items that I listed in each Bureaus, for your reference : -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX  XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -TRANSUNION -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card account was closed by American Express after I filed a consumer complaint. Initial complaint took place after unsuccessful resolution in stopping some minor unauthorized charges and fees from being posting to my account. American Express did bring account to positive {$0.00} balance, but closed the account immediately without my consent. I contacted American Express and was told to file another consumer complaint if I want my account restored. So here I am : - ). Unfortunately closing this card costs me credit history in addition to unfair treatment. Any assistance would be great appreciated. Kind Regards, XXXX acct # XXXX
Product: Credit card or prepaid card

I had two balance transfer transactions on the same card. Both with unique transaction IDs and expiration dates. I was approaching the expiration on the first one and inquired through the customer service number how I would go about making a payment to pay that particular balance off. I was informed that I would have to wait until the day that offer expired to make the payment being as that balance would then be assigned an APR ( where all previous balances were at zero APR ). I called the card company again when that day came and asked if that was indeed correct. They said that I should submit the payment and they would apply my minimum payment according to their terms and everything paid beyond that would be applied to the balance with the highest APR. Seeing as that balance was expiring that day the customer service rep said I was good to go forward with paying that balance off. I made the payment moments later through their online app and didnt think anything more about it. I received my new statement and found that not only was my payment not applied to that balance, but they also extended that particular transfer offer another month. Only about a tenth of the almost {$1000.00} dollar payment was applied to the expiring balance and the rest was applied to the other balance transfer that didnt expire for months. I opened a case that day with the customer service department who was supposed to return my call with any updates or results since they didnt understand why the offer was extended another month and not sure it can be fix now that the payment has been applied. 
A week went by with no phone calls. I called back and was told there was no open case and was transferred to the executive office who proceeded to open a case and send me to a supervisor. That was over a month ago. I have called roughly once a week to check up seeing as no one ever called me back as they claimed they would. I have spoken to countless supervisors and case managers who continue to say weve never seen anything like that and I dont know how that happened or how we can fix it. I even opened a resolution case with the bank that the card is issued by and that case was closed 20 minutes later because a case with the executive office is already open and they will take care of the issue. I just received my newest statement which now has interest included for that remaining ( now expired ) balance transfer that should have been paid off two months ago. I should probably mention that I also work for this same bank and even being both an employee and a customer has gotten me no closer to the issue being resolved.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelle regarding handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution has failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and tracking the transactions were unfeasible. The CFPBs finding indicate not only has Zelle neglected to protect consumers but has allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/2023, I received an email from BoA saying an SafeBalance account was opened under my name and email. This is the second time it has happened to me, it back in XXXX or XXXX of this year. The first time, I was able to call BoA fraud department and was able to resolve it. But this is the second it has happened to me with my name and email, it means that they did not update their " check '' or " verification '' process. 

For completion or done state, I would like this account closed and get their process updated. I have not banked with BoA nor I have any plans in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/XXXX I called Equifax to inquire about the incorrect information on my credit report. I emailed XXXX XXXX and stated I was on hold waiting for a supervisor. The consumer affairs office picked up. This woman wasted XXXX minutes of my time. Each time Equifax is charged with doing their job its always a distraction. I have the Equifax Credit report and ONCE again incorrect information. They changed my password and I can no longer get into the portal to view my credit. 

Based on my emails and complaints Equifax dropped my credit score from XXXX to XXXX. This was retaliation. There is a security freeze on the account. No one is checking my credit. I do not use Equifax for anything. 

XXXX XXXX Equifax has the wrong date of the account being opened. The XXXX XXXX card was opened early XXXX not XX/XX/XXXX. Then the account is not listed as closed. The account has no date of removal after 7 years.Which 7 years is this month. 

This organization tried to be slick as usual. As they are asking for my verification I have the credit report in front of me going through the verification. As I already stated if outside counsel is necessary I will have no problems with it. Several complaints going at once. Then to be funny they keep sending complaints to XXXX Equifax. When they know the account is with its XXXX America Offices. 
The agenda is clear. The organization is XXXX and practices XXXX tactics against XXXX American customers. 
After I gave my email address, social security #, address, 7 credit card accounts all accounted for. Student loan accounts all accounted for yet she is asking for me to fax over ID and my Social Security card. Equifax has no integrity. Several data breaches and a settlement that still has not been settled. No one will get my social security card and when identity theft happens with their company they won't accept accountability if my information is lost, misplaced, or stolen. So since they need a complaint filed every step of the way I will gladly accommodate.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
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 solutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I have disputed a collection, which appears on my report with XXXX XXXX, on XX/XX/2017 and again on XX/XX/2017. The date shown on the credit report is the date XXXX acquired the account through a third party, not the original delinquency date with the creditor. The original charged off account has been removed from my credit report, confirming well over seven years since the original delinquency date. The date the collection agency acquired the account has NO AFFECT on the amount of time this should be reported and remain on my record ; '' the collection account will still be removed at the same time the original account is removed. '' XXXX Collection and Charge Off Information. BUT, XXXX XXXX continues to report on this account every month using their acquisition date, and they refuse to remove the account, although with help from CFPB, they will no longer contact me regarding this out dated collection. Unfortunately, the dispute with Trans Union has offered no adequate resolution ; they only added " consumer disputes this account '' and has not removed it from my report even though they have the original delinquency and charge off date in their records.
Product: Credit reporting

Have been trying since XXXX, 2015. To get the collections items removed. 

I have asked Experian to earnestly update and remove the collection items off the credit Report. According to the provisions of the Fair Credit Reporting Act ( XXXX ( a ) { XXXX XXXX ( a ) That these items must be seriously reinvestigated and or deleted from my credit report within 30 days. as the mere reporting of items. Contacted XXXX, With complaints as well. Your records will show that I have contacted your Government Entity to assist. Trying to get my mortgage and appraisal licensing completed. 
Your assistance in this mater will be greatly appreciated. 

XXXX XXXX
Product: Credit card or prepaid card

I took out a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Barclays. When I had difficulty working with the website to pay my bill, I sought help via their customer service phone number. They couldn't help me with my password or user name. They couldn't help me access the account. So, I told them I wanted to cancel the account since it was difficult to use/manage and asked for the outstanding balance of {$180.00}, which I paid, over the phone, on XX/XX/2022. ( BTW, I pay all my bills and do all by banking online. I know how to use these systems, but theirs just doesn't work. ) Then, on XX/XX/XXXX I received an email saying that I was behind in my payments. 

I contacted them by phone on XX/XX/XXXX. They told me I had a balance of {$9.00}. This balance was due to an interest charge of {$1.00} on the final balance I had paid off when I cancelled the account on XX/XX/2022. In the intervening months, late fees and interest charges accrued totally {$9.00}. 

I don't think I should have to pay these late charges or interest. Maybe I do need to pay the {$1.00}. But even if I pay the entire balance, how do I know this will end? I could pay the entire {$9.00} right now only to find in a few months that I owe them another {$20.00} for interests and late fees they charged on the {$9.00} balance. 

The account is closed. I have no access to it. They have sent me no paper bills, but even if I pay the bills, then they just charge me interest on the previous balance. It never ends. 

I tried to get the charges removed by calling the customer care people. Three people put me on hold, then after several minutes, they hung up on me ( while I was on hold ). The customer service people seem to mean well, but the system is rigged to keep robbing you even after you close the account and pay of the balance since they charge you interest on whatever balance you had when you paid it off to close the account. 

No one will help me. All I get are some XXXX people at a call center in XXXX, but they can't do anything. They told me to call the number on the back of the card but I threw away the card when I cancelled the account and none of them can give me the number I need to call. 

It's hard not to think XXXX is just running a scam. Does XXXX know about this?