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

I am serving as guarantor for a residential rental in XXXX XXXX XXXX in Maryland. As part of the evaluation process, the XXXX XXXX  requests that I go into a website called XXXX to provide personal information and to authorize them to get a credit report. I followed their instructions and completed the information in their website on Friday XX/XX/XXXX at about XXXX EST. 

The next day, I received a message form the XXXX company requesting me to Un-Freeze my credit report because, according to them, I had placed a FREEZE in my credit report and they could not retrieve my credit information. They instructed me to go to EXPERAN.com to UN-FREEZE my credit report. 

I was surprised by this news since I know I have not placed a freeze in my credit report. In fact, I had never heard of EXPERIAN. 

Nevertheless, I went into the EXPERIAN.com/FREEZE website and supplied my personal information and request to UNFREEZE my credit report. The website requested a security PIN number in order to proceed, a PIN I have never received because I have never requested such a FREEZE. I have tried to UNFREEZE my credit report for several days now, including using EXPERIAN 's website and by calling them at several phone numbers. One of the persons I was able to speak to, XXXX, who works at EXPERIAN told me his records show that I had requested a FREEZE in my account on XX/XX/2019, something that is NOT TRUE, because I did not request such a FREEZE. In fact I was trying to UNFREEZE something they FREEZED without my authorization. During the conversation it came up that they could UNFREEZE my credit report by tomorrow if I paid them {$20.00}. And this, I suspect, is their goal in all of this, to get my credit card information and to get paid {$20.00}, or even more, once they have my credit card. 

I believe this is a fraudulent activity by EXPERIAN and or the XXXX XXXX, where one of these firms, or both working together, have hijaccked my credit report and now they are coercing me to pay them in order to UNFREEZE my credit report, something I had never FROZEN before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX. XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : 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: Checking or savings account

On Tuesday  XX/XX/XXXX at  XXXX  two transactions in the amount of {$2600.00} were attempted to be used at a convenience store in New jersey . Citibank contacted me after the second transaction and that was declined due to the report. They then called me to verify if I had the card in my possession I stated no, and they shut down that card. I asked for a provisional credit which they processed and filed my report with them. They also asked me if I was willing to file a police report if needed. I agreed.
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On  XX/XX/XXXX  I was informed that they found that the transaction was in my normal shopping behavior ( it was not ) and therefore they denied the claim. I requested to reopen the case by ways of an appeal, they said they would reopen the case but they would not credit my account.
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I then got the following items a police report and a letter from my employer and submitted it to them on  XX/XX/XXXX  stating that this was a fraud transaction and also that I was in another state at the time of the alleged purchase. I was informed on XX/XX/XXXX  that they have not yet reopened the case.
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Citibank has since sent me 4 letters electronically that they have resolved my problem but nothing has yet been resolved.
I also provided Citibank with the detectives phone number, case number and informed them that they have CCTV footage from the theft that proves it is not me.
Product: Credit card or prepaid card

I have been trying to get a debit card replacement since XX/XX/XXXX. The expiration date on the old card was XX/XX/XXXX and they did not send me a new card. My debit card amount was {$370.00}. 

I was waiting on a replacement card in XX/XX/XXXX and I did not receive one. On XX/XX/XXXX, I called them about a replacement card and sent them two documents with my address on both documents cus they wanted to know my new address. I worked for Experience Work ( many years ago ) a senior citizen government program to help low-income seniors. I added money to this card too and was saving the money for emergencies. 

I contacted XXXX on XX/XX/XXXX, because I did not get a new card and learned that the dollar amount on my account changed to {$360.00}. Spoke with XXXX and he said they did not receive the two documents and ask me to send them my social security card. I felt uncomptable sending them my SS # over the internet and asked what other options I have and I resent the two documents with my address. XXXX said I should get a new card in 10 days. 

XX/XX/XXXX. I called XXXX  and my account balance changed from {$360.00} to {$360.00}. Every time I call they withdraw money from my account. I uploaded my driver 's license and birth certificate as an option on their website. XXXX said they received the documents and he will make a request to replace the card and told me my options based on regular mail delivery or special delivery which include a cost and I accepted regular mail delivery. He said I should receive it in 10 days. 

As of today no replacement card for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX CREDIT Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. My working E-mail is XXXX Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have made multiple attempts with the company to be able to load money, however when attempting to reach a customer service representative, I was unable to due to the lack of customer service representatives. Each time I had an issue, there was no one to resolve this issue. I have yet to resolve this and it has been multiple years. I am not able to physically load money to my account. Attached is a photo of where the option is not available for me like all other cash app users.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & TransUnion ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
Product: Mortgage

In XXXX of 2022, I was awarded {$40000.00} from the Texas XXXX XXXX  to be applied directly to my mortgage with Penny Mac. This award was based on my application with this organization and the death of my husband in XX/XX/2022 as a direct result of the XXXX. On XX/XX/2022, Penny Mac RETURNED the {$40000.00} award to the Texas XXXX XXXX with no explanation or notice to me.
Product: Debt collection

i have been getting calls from Midland Credit Management. i have blocked many many numbers from them. They keep calling from different numbers and leave no messages. they call almost every day. it is really starting to become bothersome. this has been going on for way too long.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with Capital One Auto. I purchased this car in 2012 and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with Capital One. This is not true.I have several blemishes on my credit report from Capital One stating that I have not made a payment. I want these late payments removed. 

Capital One partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used Capital One to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to Capital One, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit card or prepaid card

I have had the same Citibank Bronze card since earlier XX/XX/XXXX. In XX/XX/XXXX the card was compromised and needed to be replaced. I went to use my airline miles that I have been intentionally accumulating on this card, when I was informed there is no record of my miles from XX/XX/XXXX-XX/XX/XXXX from the original card. ( I booked a trip to XXXX XXXX during that time, which really racked up some miles! ) I called Citi Bank and they conferenced in the rep from XXXX XXXX ( their partner sponsoring the miles ). I was in tears! They assured me they would find my miles. Yesterday I got a letter from them that I had some how forfeited my previous miles when they replaced my card for me in XX/XX/XXXX! There was never ANY mention of that at ANY time. I went to book a trip next month with my miles, and half of them are gone. I feel completely robbed. Never did anyone mention this -- -I wouldn't have done that. Someone made a mistake and their and they need to right it. 
I appreciate your involvement in this scam. I did NOT change card programs, I simply had my card replaced.
Product: Credit reporting or other personal consumer reports

I have provided Experian with 2 letters directly from XXXX XXXX XXXX  summarizing that they have asked experian to delete their reported account. For some reason, Experian is not interested in these documents and is not assisting with removing the illegal debt. 
I spoke to someone name XXXX today, who informed me that apparently XXXX informed them on XX/XX/24 that the debt will stay. This is not accurate information and I requested a copy of this communication for my lawsuit with the creditor as this is not what they told Experian, I've spoken to their lawyer directly who is handling the matter.
Product: Credit reporting 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 DEPT OF EDUCATION/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This is a debt that Im unaware of. The creditor is unknown.
Product: Debt collection

Late XXXXXXXX XXXX 2022 someone stole mu social security number somehow and opened up lines of credit in my name. One company is Affirm. They seem to have no interest in helping me. They claim the fraud department is looking into it but I continue to get emails claiming if I don't pay they will report it to my credit. They told me I had to fill out a form yet they refuse to email it to me. I have had several phone calls with them and I get nothing.
Product: Student loan

I have received debt collection notices from Ascendium Education Solutions , Inc. C/O XXXX Post Claim Assistance XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, -XXXX  , PA XXXX-XXXX  and address XXXX  XXXX XXXX, XXXX, WI XXXX. The debt is for student loans paid to XXXX XXXX University. I never attended XXXX XXXXXXXX University  nor did I do a parent plus loan for anyone attending XXXX XXXX University. The debt collection notices are addressed with my maiden name that I have not used in over 33 years. 

I called XXXX in XXXX-XXXX, PA XXXX and confirmed there is no student loan debts associated with my social security number and names. I also called the Dept of Education XXXX Loan Locator dept and Dept of Education student loan servicing dept XXXX and confirmed I have no student loan debt owed to XXXX XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my Equifax and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE TO OPEN THESE FRAUDULENT ACCOUNTS. I HAVE SENT MULTIPLE CERTIFIED LETTERS TO THESE CREDIT REPORTING COMPANIES TO BLOCK AND REMOVE THESE FRAUDULENT ACCOUNTS AS I AM A VICIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX  company regarding this discrepancy back on XX/XX/2020! I was asked.to submit dispute and I was assured it would be removed as a repossession to open and paying off remainder balance due to a total loss ( vehocle accident ) for which insurance paid theur part, GAP paid their part and I paid off balance as of XXXX. All the time making payments since XXXX it shows as a repossession and has prevented me from getting another vehicle. Company shows it repossessed but it NEVER WAS REPOSSESSED!!! I need all this to be taken care of as I need a vehicle!!!!! If I was late then mark it as that but never a repossession when it wss never that!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XX/XX/-February2020. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my XXXX semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.
Product: Credit reporting or other personal consumer reports

I disputed my personal information on XXXX to all 3 credit bureaus, XXXX, XXXX and Equifax. I also followed up with more requests to correct my personal information, including my true name, my true address and my true working address. Up until now, i've been offered no corrections to this fictitious information that they have on my reports. I don't believe that they are following the law. I want the false information removed as soon as possible. This fictitious personal information is spoiling my credit worthyness.
Product: Checking or savings account

Chase bank, let me get started extremely rude, lied about regulation e and told me it takes 14 business days on an account that is 7 months old, to investigate and process a credit for an atm they have already fixed and balanced. Then hung up on me. They still owe me XXXX dollars and some change. Awful bank closing all my accounts wouldnt recommend them. Biggest isnt the best
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This my refilling of my complaint to TRANSUNION for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was rejected from a car loan by SageStream. XXXX, XXXX were all high scores except. Sagstream. I ca n't understand why Sagestream is still allowed to moniter our credit, there are many other complaints about them also ' XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bank of America /Merrill Lynch has received a court order from the probate family court, XXXX XXXX , Massachusetts in my divorce case number ( XXXX ) to transfer, the Amount of {$39000.00}, which was awarded by the court order ( XXXX ) to my account from my ex-wife XXXX XXXX XXXX 401 K account, into my IRA 401K account. 
That money ( XXXX XXXX XXXX XXXX ) is held in Merrill Lynch, Merrill Lynch who, claim that they have received that XXXX court order on XX/XX/2021, Merrill Lynch claim that they have sent that XXXX order to a plan administrator called XXXX XXXX. 
I have called Merrill Lynch so many times, my last call to them was on XX/XX/2021, they are not cooperative and they do not provide me with any exact date to have my awarded judgement to be transferred into my IRA 401K account, they just keep saying it takes 30 days, but the 30 days have passed already ( that judgment was entered on XX/XX/2021 ) On XX/XX/2021 at XXXX XXXX XXXXone of Bank of America / Merrill Lynch 's representative has hanged up on me during a phone call, without any reason or fault on my side. Bank of America XXXX Merrill Lynch have been delaying the execution of the court order ( XXXX ) without any reason, I know of. 
Bank of America had also received a joint motion which was signed by the Judge and also, signed by all parties on my divorce case asking the judge to sign the XXXX  Order. the joint motion should eliminate the 30 days Bank of America claims.