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

Every single month since my dispute XX/XX/2017 XXXX and XXXX XXXX XXXX process investigative process as follows : 1. i would submit dispute to credit bureau credit bureau sends a generic message stating item is being investigated 2. within 30 days creditor will make two separate updates on two accounts removing and adding on various derogatory remarks and/or info to lower score that went from mid XXXX ( fair ) on XXXX to lower XXXX ( poor )
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called Equifax,  XXXX , and   XXXX   to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer calle d each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.
Product: Debt collection

XXXX answers to CFPB USAA says I knew I recieved goods. They defamed me to XXXX  that I am a crook. They alleged I Reporded Fraud to steal funds. USAA needs to view their own statement XX/XX/XXXX. See attarched. There are No Adjustment Purchases Credits to begin an investigation. There are only Merchants Credits. My balance was zero. Two merchants credirs totalling {$340.00} applied. No temporary credits from USAA no Permanet Credits from USAA. CLEARLY I DID NOT REPORT FRAUD ON THE XXXX XXXX {$120.00} UNTIL IT APPEARED AS A NEW PURCHASE XX/XX/XXXX. USAA DESTOYED MY CREDIT AND DEFAMED MY GOOD NAME. I have made USAA aware the statements prove they are wrong to no avail.
Product: Mortgage

PennyMac bought my loan in XX/XX/year>. Loan number is # XXXX. 
My address is XXXX XXXX XXXX XXXX, XXXX XXXX I mail payments in same day I get statements, I drive them to the post office and put them in the drop box inside the post office. My car payment takes XXXX  days to process, my Credit card payment takes XXXX  days. Penny Mac takes XXXX to XXXX  days to process my payment. 
Their processing center is in XXXX XXXX, IL XXXX I called their customer service on XXXX XX/XX/year>, I think I talked to XXXX or XXXX, I made myself clear, that I did not want my payment held, I wanted it processed immediately. XXXX 's payment took PennyMac XXXX days to process, my phone call reduced XXXX payment to XXXX days. This delay is costing me interest. Can you deal with this company and have them process my payments in a more reasonable timeframe. I DO NOT RECOMEND PENNY MAC TO DO V.A. LOANS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I logged into my closed XXXX XXXX credit card account. I checked my credit score and noticed that a fraudulent auto loan was on my XXXX credit report from GM Financial. I then contacted XXXX to report the fraudulent loan, then contacted GM Financial to report the fraudulent loan. 

On XX/XX/2022, I receive a letter from XXXX stating that the investigation results are " verified as accurate and updated. '' On XX/XX/XXXX, I filed a dispute with XXXX regarding the results received from XX/XX/2022 letter mentioned in above paragraph. 

On XX/XX/XXXX, I mailed a letter to GM Financial 's Credit Fraud Department, requesting that they remove this loan from my name and absolve me of any responsibility for this loan.
Product: Checking or savings account

There has been some major issue with Capital One. I havent received my payroll direct deposit and will soon have to pay late fees on bills and will lose my phone which I finance through XXXX. 
Ive received no word from Capital One except what they post on XXXX and waited 3 hours on hold just to be hung up on.
Product: Bank account or service

On XXXX/XXXX/15, I lost my debit card and a single check. I went to the bank and filed a lost/stolen card, and set up a new bank account. I went through all the charges that were bad, and disputed them. I also advised other charges that were previously authorized, that I recognized. One of them being a payment for {$180.00}, and advised that was for one of my bills. The bank acknowledged that and also again acknowledged that on XXXX/XXXX/2015, when they followed up with me. I later find out that they reversed the payment, because they mistakenly considered apart of the dispute. This reversal caused my account with XXXX to be suspended because of non-payment. I had a payment arrangement and because the bank reversed the payment without my knowledge, I am now required to pay the full amount, and I ca n't pay that, hence the reason for the payment plan. I reached out to the bank today, I was on hold for over 40 minutes while they were " researching '' the issues, and the best they could come up with is provide me with a letter of apology to me and XXXX.
Product: Debt collection

XX/XX/2020 - Received call from " XXXX '' with Financial Corporation of America stating they were attempting to collect a debt for XXXX XXXX XXXX. I informed him I would make the payment the next day via online. 
XX/XX/2020 - Tried to make payment online through XXXX XXXX XXXX, they showed a XXXX  balance. 
XX/XX/2020 - I phoned FCOA to let them know I was unable to make a payment online. I gave them my account information and they said they could not locate any account for me. The rep requested my full social security number, which I declined to give over the phone. 
XX/XX/2020 - I received a debt collection letter in the mail dated XX/XX/2020. The total amount due from FCOA was {$1000.00} which was different than my statement from XXXX XXXX XXXX of {$970.00}. 
XX/XX/2020 - Attempted to locate account with FCOA ( now that I received letter with new account number ) and still could not locate. Website stated " FCOA Payment Portal does not Authenticate ''. Created an account, received the same message. 
XX/XX/2020 - Phoned FCOA to discuss statement balance discrepancies. Spoke to a rep that was extremely rude, said the balance of {$1000.00} was from XXXX XXXX XXXX. I told her " not according to the statement I am looking at ''. She then said I needed to fax the statement to FCOA. I told her I did not have a fax machine. She responded with " that's what XXXX XXXX is for ''. I requested that she send me a statement that was broken out with the charges. As of XX/XX/2020, that document has not been received. 
XX/XX/2020 - Spoke to " XXXX  '' from XXXX XXXX XXXX. I explained to her what was happening with FCOA. She verified that the amount I had was correct. She said she would try to have the statement reversed so I could pay them directly or look into the reason why there was a difference with FCOA in the amount of {$94.00}. 
XX/XX/2020 - Received a call from FCOA stating if I paid this debt within 30 days I would receive a 30 % discount. I explained to the rep that the totals were different. She asked if I could email my statement to FCOA. I agreed to send, but then she told me my account rep was " XXXX '' and she would relay this information and have him call me. I provided her with both my home number and my cell number. As of XXXX call from XXXX. 
XX/XX/2020 - I attempted to reach XXXX/FCOA. A rep that answered the phone said he would transfer me, gave me a new phone number to call XXXX and the phone went to voice mail. I left message, with phone numbers again. 
XX/XX/2020 - I called XXXX XXXX XXXX and tried to find " XXXX '' but " XXXX '' said she could assist me. When I explained the situation, she only stated that " will have to wait for a response from FCOA. I told her we requested this over a month ago and my credit is getting ruined NOW. She could not provide any information. 

I have made NUMEROUS attempts to pay this debt but unable to pay online and will not pay a higher amount than what is owed. Nobody can explain to me why this amount is higher than what I actually owe, and I think it is illegal. I have never worked this hard to try and pay a bill!!!
Product: Debt collection

XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed me as the PR for my late father 's estate and appointed XXXX XXXX CF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MD XXXX, as the PR based on the claim made by the attorneys alleging to represent XXXX XXXX. Since then, she's tried to have me pay her rent on behalf of EasyKnock. She withdrew that motion after I filed a motion to remove her for attempting to carry out the Ponzi scheme initiated by EasyKnock and attached a copy of the Order from the Massachusetts Attorney General which stated that EasyKnock engaged in fraudulent and deceptive practices. Most recently, on XX/XX/XXXX, she filed a Line with the Court to change the address of my brother ( who shares the same name as my father with the distinction of being the " II '' ). In the line she indicated that XXXX XXXX ( XXXX XXXX XXXX XXXX attorney was the point of contact. ) XXXX XXXX sent XXXX XXXX an email the next day stating that she and her agency have and had no interest in this matter. 

Aside from impersonating or alleging to represent my brother, she's deliberately ignoring the will and the instructions to convert everything into the living trust.
Product: Debt collection

I sent a letter to Capital Accounts on XX/XX/2022, about a collection they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

Re : Account # XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

Despite following Equifax procedures for document verification and providing all requested information, including submitting my drivers license through their verification system, Equifax has failed to provide adequate resolution or assistance. 
On XX/XX/XXXX dates, I submitted a dispute to Equifax regarding inaccuracies on my credit report. This dispute was marked as complete on XX/XX/XXXX, but Equifax did not provide any explanation of the actions taken or any documentation ( such as a PDF or detailed report ) to clarify how the disputes were addressed or the outcome. 
When I contacted Equifaxs customer service for clarification, they refused to assist me further, claiming they could not verify my identity. This response is puzzling and frustrating since I had provided my drivers license through the verification system while on the phone with customer service. Their refusal to engage or provide further assistance has left me without any resolution or understanding of the steps they took regarding my disputes. Furthermore I can not view an updated credit report to see what/if any updates were made. Have tried for the past couple of days to get an updated report to no avail. 
I believe Equifaxs actions violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations into disputes and provide clear responses. Their lack of transparency and refusal to assist has caused unnecessary stress and confusion.

I kindly request that the CFPB investigate this matter and ensure that Equifax provides : Enclosed are copies of relevant documents, including screenshots of dispute statuses from Equifaxs website and evidence of my attempts to resolve this issue directly with them. 
Thank you for your attention to this matter. Please let me know if you require additional information or documentation from me to assist in your investigation. I look forward to your response and assistance in holding Equifax accountable for their handling of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I applied for a XXXX credit card with Comenity Bank now Bread Financial had to do a verification process because of my credit freeze and I sent in all of the documentation and they still declined it and did not tell me why
Product: Mortgage

I asked the mortgage company why six months of added to my account after showing a XXXX balance for 2.5 years, without being told that they did so. Also a loan modification was done by the bank and denied without the bank telling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc report attached I am a victim of identity theft, the informatiion on my transunion credit report regarding inquiries are fraudulent -there are fraudulent hard inquiries on my credit report that does not relate to any transactions that i have made, this is a result of identity theft. these fraudulent hard inquiries are not mine and must be removed XXXX Transunion XXXX XXXX XXXX XX/XX/2022 XXXX. Transunion XXXX XXXX XXXX XX/XX/2022 XXXX. Transunion Fraudulent Inquiries XXXX XXXX XX/XX/2022 XXXX Transunion Fraudulent Inquiries XXXX XXXX
Product: Student loan

Have repeatedly asked for my SAVE application update and processing. Now see interest accruing although being placed on admin forbearance. Cant get any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX and XX/XX/ 2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
Product: Bank account or service

Opened a business checking account at the XXXX, NJ Chase branch. The account had a promotion of {$500.00} for depositing {$500.00} and keeping the balance for 60 days. I have inquired about the bonus not posting and have been informed that the deposit funds needed to be new to Chase. This was never communicated to me by the branch personal banker who transferred {$1000.00} out of my personal account at Chase into my business acccount to fulfill the promotion requirements and to hold a minimum amount in the account to avoid the $ 20 monthly fee which is waived for the first 2 months anyways.If new money needed to be deposited, then there was no reason to transfer the {$1000.00} on that account opening day. I could have easily changed my direct deposit to go from my personal account to the business account. There was a lack of communication on the banks behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report and/or I noticed someone applied for something in my name which are : XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX  Bank Credit XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX TYPE Credit Cards Issued by Finance Companies XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX XXXX XXXX TYPE Credit Cards Issued by Finance XXXX XX/XX/2022 XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX TYPE Bank Credit Cards Have contacted the creditors
Product: Debt collection

Synchrony bank has and continues to contact my mother and my niece.
Product: Credit reporting or other personal consumer reports

" There is need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This is listed in the Fair Credit Reporting Act 15 USC 1681 section 602. I have the right as a Consumer to make sure my privacy isn't being violated by being shared by such consumer reporting agencies such as XXXX, XXXX, and XXXX. 15 USC 6801 states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' None of the consumer reporting agencies, financial institutions, XXXX XXXX XXXX XXXX, Capital One, nor XXXX XXXX have my consent to furnish this information. They also never had my written consent. Whether it be verbal, non-verbal, written, or implied in any other fashion any and all consent is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, Capital One, XXXX XXXX never informed me of my right to exercise my nondisclosure option. It is also stated in 15 USC 1681C ( a ) ( b ) that " Except as authorized under subsection ( b ), 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 the records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' states in 15 USC 1681e. XXXX, XXXX, nor XXXX are maintaining reasonable procedures. As a Consumer I have the right to opt out at any given time according to 12 CFR 1016.7, and have decided to opt out of their reporting services.
Product: Money transfer, virtual currency, or money service

I received an unsolicited statement regarding a transaction that I did not make or authorize with a request for payment for a " cryptocurrency ''. The statement suggests that I contact them if I believe there is an order, or that I click on the statement to " Print or Save '' the statement. There is an attached telephone number to contact and an embedded email address to contact if I believe there is an error. 

I believe that this is a fraudulent statement designed to lure me into a conversation that will lead to my divulging password and account information to give them access to my financial accounts and resources. 

The email account embedded in this invoice is " XXXX '' The invoice has a header displayed of " Invoice # XXXX for {$760.00} from Your Crypto Order Inbox ''. The telephone number to contact the " sender '' for help is " XXXX ( XXXX ) XXXX '', I have taken no steps to respond to any of the phone numbers or links embedded in this message.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a flight for my family using Citi XXXX points. The flight was originally scheduled for XX/XX/XXXX. It is Trip ID : XXXX. At some point, the flight was cancelled due to COVID-19. On multiple occasions, i have attempted to cancel the flight via Citi XXXX, both by phone and online. As of right now, I have been on hold for over 1.5 hours, to no avail.
Product: Credit reporting or other personal consumer reports

For my personal information, they have XXXX listed as my spouse. I do not have any credit with XXXX nor any outstanding accounts or closed accounts listed on my report is joint with XXXX as a signer or with my credit history. I did not give Experian Credit Bureau permission to add XXXX to my report. None of my accounts have XXXX name on them. Please remove him from my report. They can not provide anything with my signature on it that states he should be a part of my report. PLEASE REMOVE XXXX FROM MY REPORT. I DID NOT GIVE EXPERIAN PERMISSION TO ADD HIM SO NO DOCUMENTATION ON MY PART SHOULD BE NEEDED TO REMOVE HIM. This is improperand potentially XXXX EXPERIAN to add someone to my credit report without my explicit permission, especially if we do not share any joint credit accounts.