23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax reinserted a previously investigated and deleted account onto my credit report and when I asked for a reinvestigation, the company locked my credit report, blocking my access. 


The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates credit bureaus and protects consumers credit information. Under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( 2018 ), credit bureaus can not lock or freeze your credit report without your consent. This law mandates that : 1. Consumers have the right to freeze and unfreeze their credit reports for free at all three major credit bureaus ( Equifax, XXXX, and XXXX ). 2. Credit bureaus can not lock or freeze a credit report without the consumers explicit request. 3. Credit freezes must be lifted upon requestwithin one hour if requested online or by phone. I did not request that Equifax block my credit report and I am demanding my report be unlocked immediately. Following a request for Equifax to investigate incorrect information on my credit report, Equifax placed a block on my credit report, preventing me or any creditors I give consent to access my credit report with a fraudulent message added when inquiries are attempted, stating, " Fraud alert requested by consumer ''. I did not request to have my credit report blocked. I contacted Equifax 3 times on XX/XX/XXXX and requested my report be unblocked and they have failed to do so, despite the FCRA stating this must be completed with 1 hour of the consumer 's request. The action of blocking a consumer 's report because Equifax is asked to comply with the Fair Credit Report Act and investigate inaccurate information appears to be an illegal, punitive action to scare consumers into not disputing inaccurate information found on Equifax credit reports. Equifax 's unethical tactics of violating my ability to exercise my consumer rights under the FCRA needs to be investigated. In addition, despite having experienced one of the largest data breaches and proving they can not safely handle consumer information, Equifax has requested that I make paper copies of my driver 's license and social security card and mail it to their office. This practice needs to be investigated, as Equifax employs 17,000 individuals across 6 continents and operates in 24 countries, we have no idea who will have access to these physical copies of sensitive information.
Product: Credit card

These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.
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  Accounts 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 604 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 1666B : A creditor may not treat a payment on a credit card, auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 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: Debt collection

I received an email that told me that Direct Recovery. Org is intending to sue me for an alleged debt from XXXX, a company I have never heard of. I welcome a day in court, Where I live. I called and ask for them to send me verification in the mail and was refused! The email list 's an address in XXXX Ca. I have not lived in near XXXX Ca. since 2008.I am afraid that I will be sued without proper notice in a state where I do not live. Any debt incurred in XXXX ca. would be beyond any statutes of limitations, both criminal and civil actions, UNLESS i am not notified of any hearing, then a judgement is possible to obtain illegally.
Product: Checking or savings account

Over the course of 7 to 8years Wells Fargo has charged me overdraft fees if my account went into default by the {$10.00} service fee. There were a couple instances that they had removed the overdraft fee but most of the time I had to pay that overdraft fee because of a bank fee for monthly service. Also about XXXX to 4 years ago I suspect that they had overcharged me for transfer fees from my savings to my checking by {$65.00} for each transfer which I had transferred quite a bit. I had probably up to XXXX times that I was charged a service fee and had to pay for overdraft fees due it causing me to go into default. Eachover draft fee was about {$35.00} - {$40.00}. The last time this happened was a few months ago and wells Fargo caused my account to go into default with the service fee, then they charged me an Ioverdraft fee. And within a few days they closed my account and immediately sent this {$10.00} service charge plus overdraft fee into collections. I didn't know this even happened until I checked my emails one day and saw a notification that they closed my account. I could no longer even access my account. Luckily for tax reasons I had downloaded some digital copies of my account bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened onXX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Student loan

I was directed to use multiple forbearances by Navient instead of being directed to use an income driven repayment plan. I learned of the Income driven repayment plans from a friend instead of from the people servicing my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) for fraudulent transactions and false live customer support and identity theft
Product: Credit reporting or other personal consumer reports

I opened a dispute with Equifax, XXXX and XXXX. However they did a personal dispute and not a dispute under the FCRA laws which is incorrect disputing to begin with. As of result the dispute concluded as is. Both XXXX XXXX XXXX XXXX XXXX XXXX did not remove the debt from my credit report.
Product: Debt collection

Sent Equifax multiple letter in reffrence to this account and it shows on my credit report a monthly payment of XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 Cash App closed my account with them for no suspected reason. In order for me to use the application furthermore, I had to cash out all remaining funds, unlink my email and phone number and then proceed to make a new account with the same information, in which I did, with the exception of using the same email. I used a different email for the new account in hopes that they may need accessibility to my original email for the previous account in case of re-opening. I did as instructed from their help section on their app. On XX/XX/2020 I received a Cash card merchant refund to the cash card that was associated with the closed account for an unpleasant stay with XXXX. I communicated to an XXXX  support ambassador that was assigned to my case prior to XXXX initiating the refund that the card that was used to book the reservation was closed and I had no access to that account. The Ambassador stated that XXXX can only refund the payment to the payment method that was used to book the reservation initially and that the recieving bank should either transfer my funds to my new account or mail me a check of the balance. After she initiated the refund, I contacted Cash App immediately to inform them of what was happening. They gave me one option called a merge and that was unsuccessful. They gave me another option of sending random payments back to recipients from the old account totaling the amount of the XXXX refund and then telling them to forward the funds back to my new account that is accessible. That was unsuccessful. Then they told to have XXXX recall the refund. I reiterated to them that XXXX can not recall the refund as with many other merchants. I reminded them that it is the financial institution 's responsibility to make sure the recipients funds are delivered to them. They said there was nothing they could do, they could not provide me with further information, my account was closed due to violation of their Terms of Service, and I would no longer be able to acccess the account or the funds. When I asked them what would happen to the funds since I can't retrieve them via their end or via XXXX, they did not respond with an answer to my question but instead just kept saying I will not have access to my funds for security reasons. Throughout the emails ( there is no live support ), they kept giving me false hope and the run a round with retrieving my funds. I just want my money. XXXX refunded {$680.00} and out of that, there is {$680.00} as a remaining balance on the card. I have contacted many agencies about this issue in the hopes that someone will help me. I am tired and need my funds.
Product: Mortgage

After experiencing a hardship period, we sought legal and financial counseling from bankruptcy attorney and HUD counselor. We filed bankruptcy, aggressively sought to devise and maintain family budget with every household member contributing to household expenses. This over a few months started to take some positive shape. We have been working with a HUD counselor to apply for a mortgage loan modification. XX/XX/XXXX we submitted out initial application packet with required documents via our HUD Counselor via HOPE Portal. This certainly gave us XXXX that our family would not lose the roof over our heads thru foreclosure. We understood that the application process would be much more streamlined end-to-end via our HUD Counselor who would directly upload all documents and communicated via HOPE portal with Bank of America ( BOA - my mortgage company ), What we have found is that we ( myself and HUD counselor ) have met all deadlines yet BOA keeps creating delays. I was strongly advised to file this complaint because BOA continues to sit on the documents uploaded in the HOPE Portal and allows them to expire month after month! Moreover, they have changed contact person handling my application XXXX times since the process was started in XXXX 2015. Each time a new Customer relationship manager ( CRM ) is introduced, they take weeks to familiarize themselves with my file and missing weekly update calls that they schedule with me thus allowing documents to expire again! Recently my newest assigned BOA contact surprisingly asked me to review, notarize and return within XXXX days some documents for our County Deed Recorder which was missed during my XX/XX/XXXX modification. This has nothing to do with the open XX/XX/XXXX modification application actively under review from what I understand OR does it? Bank of America offered me a {$500.00} incentive to compensate me for my time and effort in getting these XX/XX/XXXX modification documents completed, notarized and back to them asap!?! I do n't understand exactly know what to do with this unexpected element now in the mix - at the tail end of a new modification application! Firstly, I 'm not a legal person and want to make sure I am not doing something that will put me further in the hole financially!!! 
We were told a decision on the modification application would have been made weeks ago, yet they have managed to continue to delay a decision on our current modification application. We continue to sit on pins and needles wondering why?!?! XXXX will be here before we know it and still no answer .... Please help! Just HOPE we get a fair option or decision to make our life work for our family. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry : XXXX XXXX XX/XX/2018 Not my account delete it immediately Account : XXXX XXXX XXXX    XXXX**** Not my account delete it immediately Account : XXXX XXXX XXXX XXXX**** Not my account delete it immediately Account : XXXX XXXX XXXX**** Inquiry : XXXX XXXX XX/XX/2018 This account is not mine delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX**** This account is not mine delete it immediately Account : XXXX XXXX XXXX**** This account is not mine delete it immediately Account : XXXX/XXXX  XXXX**** This account is not mine delete it immediately Account : XXXX  XXXX  XXXX****
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX : XXXX : {$0.00} Date of Account:XXXX
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Product: Money transfer, virtual currency, or money service

I AM WRITING TO FORMALLY EXPRESS MY CONCERN REGARDING ZELLES HANDLING OF DISPUTES PARTICULARLY IN LIGHT OF THE RECENT CFPB LAWSUIT HIGHLIGHTING SIGNIFICANT ISSUSE WITH THE PLATFORM.DESPITE USING ZELLE NUMEROUS TIMES AND REPORTING DISCREPANCIES MY FINANCIAL INSTITUTION AND ZELLE FAILED TO INVESTIGATE MY CLAIMS ADEQUATELY THEY INFORMED ME THAT RECOVERING LOST FUNDS WAS IMPOSSIBLE AND THAT TRACKING THESE TRANSACTIONS WAS UNFEASIBLE THE CFPBS FINDINGS INDICATE THAT ZELLE HAS NOT ONLY NEGLECTED TO PROTECT CONSUMERS BUTHAS ALSO ALLOWED REPEAT OFFENDERS TO EXPLOIT THE SYSTEM LEAVING USERS VULNERABLE TO SCAMS.THIS LACK OF ACCOUNTABILITY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFETY
Product: Credit reporting, credit repair services, or other personal consumer reports

In, XXXX through XXXX, I reported information to each 3 credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies 1.5 years ago.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance {$720.00} XXXX XXXX Balance {$460.00} DPT ED/XXXX XXXX Balance {$9100.00} DPT EDXXXX XXXX Balance {$4700.00} DPT EDXXXX XXXX Balance {$1900.00} DPT EDXXXX XXXX Balance {$2100.00} DPT EDXXXX XXXX Balance {$4800.00} DPT EDXXXX XXXX Balance {$1700.00} DPT EDXXXX XXXX Balance {$2600.00} DPT ED/XXXX XXXX Balance {$2300.00} DPT EDXXXX XXXX Balance {$970.00} DPT ED/XXXX XXXX Balance {$270.00} DPT EDXXXX XXXX Balance {$1600.00} DPT EDXXXX XXXX Balance {$4200.00} DPT EDXXXX XXXX Balance {$6300.00} DPT EDXXXX XXXX Balance {$2500.00} DPT EDXXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$410.00} XXXX XXXX Balance {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the TOYOTA MOTOR CREDIT XXXX within the time set forth by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Product: Student loan

Premier student loan center did not infrom me that i could fill out the form on My own without charge. They didn't inform me that what they are charging me i could do it for free on student loan.gov. They have already charged me two months of {$230.00}. The dates were XXXX XXXX and XX/XX/2018. I wasnt aware they were a third party. I have been trying to contact premier student loan center but they never returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX
Product: Mortgage

In XXXX XXXX, I took out a mortgage with XXXX Mortgage XXXX, XXXX. They advertised the lowest interest rate and lowest monthly payments at the time, that was the reason I decided to take out the mortgage loan. However, the monthly payments ended up being to high that I was not able to afford them, which is the reason I defaulted on my loan in XXXX of that same year. Then in XXXX of XXXX, I received a Summons and Complaint that Wells Fargo started to foreclosed on my home. I tried making arrangements such as doing loan modifications with the bank but I have been denied several times. Lastly, I was selling my house as a short sale because it would help me not to accrue debt but the bank decided to place my home on an auction sale.
Product: Checking or savings account

A dozen calls to their HR help line,, on hold for a minimum XXXX minutes sometimes an hour, just to here them say the have not received the required documents they were waiting on, when I have printed confirmation from a local branch that it was faxed and received. Going on now for more than XXXX months. Everytime they ask for a different document, the last ones were faxed on XX/XX/XXXX and they say there still waiting on them.
Product: Debt collection

Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help!
Product: Debt collection

I am distressed by your bureau 's disregard for removing fraudulent accounts, despite filing a valid report on Identitytheft.gov and explicit confirmation from associated banks that they will remove the accounts immediately. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a loan with SANTANDER. 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 XXXX, XXXX, XXXX, and SANTANDER with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), and I was never 90 days late ( XX/XX/XXXX )