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

I placed a lift of the freeze on my account with Equifax and was told that I would receive a confirmation with my pin for future use. The pdf I received did not have my pin, so I called the number Equifax provided if I did not receive it. I then got a run-around by the Equifax representative who asked me a bunch of questions about my credit history which she claimed I did not pass because it did not match my credit report. So, then I asked for my credit report and was told I would have to mail in a request with a bunch of personal information. 

This system places an undue burden on consumers, especially since the company has been found to be lax in its security and now wants me to go to the trouble of sending in more personal information that can fall into the wrong hands. The questions I was asked had to do with mortgages I had years ago and I should not be expected to remember. If this is complying with the requirement to provide consumers with a free annual report, there is something terribly wrong with this system! 

All of this is remarkable given that I was able to lift the freeze on my account but was not able to get some basic information about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and found and account listed as " charged off '' from XXXX XXXX for {$200.00}. When I contacted the credit bureaus, I was told that it was associated with my ex husband 's social security number and name, of which I left XX/XX/XXXX and was officially divorced from XX/XX/XXXX. However it has been placed on my credit. I sent a debt validation request to XXXX XXXX and let them know, that this was not my account. That in fact my ex husband ordered out of the catalog and the debt did not belong to me. I did not hear back from XXXX XXXX. I reached out to the company, and the only answer they could give me was to file a dispute with the credit bureaus. That is not professional at all. If an error was made and the company was contacted, it should be cleared up. They are reporting erroneously on my credit report. Not only that, they are in violation of my FDCPA rights as a consumer. I have the right to request validation, and the contract that is between myself and this consumer for this debt. Which they clearly do not have! There is absolutely no contract between myself and this company, so how can they place and report a fraud account on my report. This account was opened XX/XX/XXXX. I don't even live in XXXX  anymore. Why wasn't I notified? I am horrified that this company would allow someone to simply order a catalog in someone else 's name, someone incorporate their social and ruin their credit without even a proper signature nor mutual bonding agreement with signature. No telling who else has gone through this and with no help from the company. No proper validation, no rights to report.
Product: Mortgage

This is a complaint, I have had multiple phone conversations with customer service on the following issues and nothing has been resolved, they are as follows : Citi refuses to update my address, they are sending documents to a PO Box that I no longer have access to, and I have called and written in about this issue for over 4 years. 
For the last 4 months, Citi has made errors on my payment, they are debited from account that does n't belong to me, and they are giving me a confirmation # on the transaction and then reversing out the transaction without telling me. I can not get a straight answer from Citi on why this is happening. 
Because of this you are ruining my credit, I want the credit agencies notified by Citi that an error was made on Citi 's end and my score adjusted. 
I have been given multiple payment notices that are incorrect ( see attachment of 1 example ), they ca n't tell me why this is happening. 
I am speaking with the CitiMortgage Executive Office, they are not on the same system of Citi 's Customer Service Group, I am receiving conflicting information from both groups, my issue is still not resolved and we are going on month 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account capital one, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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, credit repair services, or other personal consumer reports

I went on XXXX website to try to get my report and now they are saying they are not able to verify my information. I was also denied for two loans because they can't verify my identity due to pulling reports from XXXX... I have always been myself and would never steal anybody else 's identity
Product: Credit card

On XX/XX/XXXX I realized I had drastically overpaid my Chase/Amazon Prime Visa card from my bank 's XXXX  XXXX  ( I missed a XXXX  point and paid XXXX instead of XXXX ). As soon as I realized this had happened, I called Chase. They informed me that a check would be mailed to me in XXXX to XXXX business days. On XX/XX/XXXX a 'reversal ' showed up on my account on the Chase website. On or around XXXX, I received a letter from Chase dated XXXX which said that the money would not be sent by check but would be returned to my checking account. As of XX/XX/XXXX I have not received the returned funds. It has been XXXX business days since I called to request a refund. On XX/XX/XXXX a representative of Chase told me over the phone that 'the latest I would receive my refund was XX/XX/XXXX '. This seems to violate XXXX which says that the creditor should refund the money within 7 days of receiving a request.
Product: Mortgage

This is intended to supplement my complaint, Case Number : XXXX, which I submitted earlier today. 
Ocwen claims that it updated the information which it reported to the credit reporting agencies but, except for XXXX, there is no change related to XXXX & XXXX. And, based upon a report which I received today from XXXX and which is dated XX/XX/2015, the account still remains open, with a past due amount of {$1900.00} as of XX/XX/2015. Now there are two late payments entered, one for XX/XX/XXXX and one for XX/XX/XXXX. Concerning the reporting data by XXXX, my credit score which before those illicit negative reports by Ocwen, which was at XXXX is now at XXXX, which effectively is a costly decline in terms of financial credit worthiness. Concerning, XXXX & XXXX, my credit score with each has been lowered to XXXX from XXXX and that has already been translating into significantly tangible impaired credit worthiness for me by denial of credits from banking services. These matters will most likely bring about a lawsuit against all of these financial entities : Ocwen, XXXX and XXXX, which are gratuitously harming my credit worthiness and their costly consequences.
Product: Credit reporting or other personal consumer reports

Companies XXXX XXXX XXXX account # XXXX And total XXXX XXXX XXXX account # XXXX I requested 1099-c from these companies and previously disputed these accounts with XXXX Equifax XXXX XXXX problem has not been resolved charge offs are considered income and income is not to be reported to consumer credit report 15 usc 1681 e ( b ) maximum possible accuracy 15 usc 1681 b ( a ) 2 permissible purpose of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX CHILDSUPPORT XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I have a capital one credit card with a XXXX limit. I reported my credit card stolen XX/XX/XXXX. On XX/XX/XXXX, there was a charge approved by capital one for XXXX that posted to my account. I immediately contacted capital one to dispute. First off, the card was reported stolen, a charge should not have gone through in the first place under any circumstances. And second, the amount approved is 8 times my credit limit. 

Their response is that when i signed up for the card, i was automatically opted in for over-limit protection, so it was within capital one 's discretion to approve or decline. The strange thing is just the week prior, the same company attempted a XXXX charge that was declined. So they decline a {$280.00} charge and then the following week they approve an almost {$2300.00} charge. 

From what i have read, they should not be allowed to do this. The law seems clear that they should require a separate opt in form/signature, and not have it set to opt in by default. 

To sum, my issue is 3 fold.They allowed a charge to go through on a card that was reported lost. On top of that, the amount was ridiculously above and beyond my issued limit. And they are not adhering to the credit act with opt in authorization. 

At this time they have removed the charge pending investigation. But there should not be an investigation. The charge should never have been approved in the first place.
Product: Student loan

I applied for, and an eligible for, public service loan forgiveness from Fed Loan Servicing. 

I have made XXXX qualifying payments. 

My employer from XXXX has closed. I submitted to forms with the " I am unable to obtain a signature '' option. This was in XX/XX/2021. I received no feedback. 

I reached out XX/XX/2021 and was told to submit W-2s for those years, which I did, in XXXX. 

3 months later my count is still stuck at XXXX because my W-2s have not been processed. 

I spoke to an ombudsperson on XXXX who claimed they were expediting the process. 

Still nothing.
Product: Debt collection

Commenity Capital Bank has sold a number of credit card accounts that were fraudulently obtained and used in my name to a company called XXXX XXXX XXXX. Commenity sold these accounts knowing they had failed to provide proof of debt. In fact after ignoring numerous proof of debt requests they began stating that they had " sold the accounts '' which was in and of itself a fraudulent action given that they knew they were contested due to being fraudulently obtained. 

XXXX XXXX XXXX also failed to provide proof of debt, stating they would obtain that information from the original creditor. They did not not instead they wrongfully filed a lawsuit in the Second Division District Court of XXXX, XX/XX/XXXX The first I learned of this lawsuit was on XX/XX/2020 when I received a notice of their voluntary dismissal. 

They have been properly provided with affidavits, police reports, and FTC Identity Theft reports. In contrast they have never supplied anything I requested of them in terms of proof -- rather they negligently proceeded with a law suit without evidence in order to harass and intimidate me. 

If this debt were real they would have signatures on a contract. They would have an accounting for how the debt accrued. They would have itemized charges since it is a credit card debt. However, Commenity and XXXX have never been able to provide any of that information.
Product: Checking or savings account

On XXXX - Transfer of {$10000.00} rejected by Chase from XXXX XXXX XXXX ( I am the owner of both accounts ) XXXX - called customer service rep, told me Fraud team rejected it, fine verified the identity together with XXXX XXXXXXXX XXXX Chase told me to try to transfer $ XXXX again and rep said she put the notes to not reject it as she verified I am the owner on the account XXXX - Chase again rejected the transfer and locked me out XXXX - I called Chase again, rep told me Fraud team rejected it, and the rep said don't know why. While restoring online access, the Rep deleted the external account I have to have the money in the bank account for a payment XXXX - what can I do now? Why is the Fraud team NOT READING the notes?
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic deficiencies such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses, and insufficiently notifying consumers of dispute outcomes. My experience aligns with these allegations, as Experian has not corrected or removed the disputed items despite the supporting evidence I provided, which continues to negatively impact my credit standing. I am formally requesting immediate corrective action to amend or remove the disputed accounts, as Experians failure to act constitutes a violation of federal law and my consumer rights. 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following inquiries and accounts from my credit report, immediately : Inquiry removal : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Account Removal : Account Name : XXXX XXXX XXXX Balance : {$10000.00} Account # : XXXX Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  Account XXXX My brother contacted XXXX XXXX to get different dates for the condo. I thought he paid the condo fee at the time of due. I moved due to a divorce and did not get anything from XXXX XXXX XXXX XXXX collection notice. I would like to dispute the debt collection and immediately pay XXXX XXXX but I did not know it was not paid. I was never contacted by XXXX XXXX via phone or email, just a mailing which I no longer lived at the address.
Product: Checking or savings account

XX/XX/XXXX someone called XXXX at XXXX ( XXXX XXXX ) and knew my pin number and account number. 
At XXXX my phone was deactivated and the number was hooked up to a pre-paid T-Mobile phone without my authorization. 
At XXXX I received an e-mail from Chase that my debit card was hooked up to my XXXX XXXX ( my credit card was hooked up at the time ). I immediately called, because I did not do this. 
I checked my bank account and saw the following charge : {$5400.00} Card Purchase With Pin XX/XX/XXXX Apple Store # XXXX XXXX XXXX XXXX NY Card XXXX XX/XX/XXXX around XXXX I called Chase bank to dispute the {$5400.00} charge and they told me to file a claim XX/XX/XXXX I went into XXXX and discovered what happened to my account XX/XX/XXXX -- I filed a police report XX/XX/XXXX -- I faxed over my claim to Chase bank XX/XX/XXXX -- I called Chase Bank and they told me I was denied. I was told Chase called my phone number and the person validated the XXXX XXXX purchase ( but my phone was shut off at XXXX that day ), so someone else validated the claim XX/XX/XXXX -- I got a hold of the executive office and I sent in the following : identity theft report on the Federal Trade Commission police report letter from my work verifying that I was at work in California on XX/XX/XXXX a detailed letter with any account numbers and phone numbers of people that have have proof that I was in California at the time of the purchase. 

Chase bank refused to look at any of my evidence and just told me no. I was told that I needed XXXX to write me a letter that stated I was in California on XX/XX/XXXX. However, my work and the police department can verify that I was in California on XX/XX/XXXX. XXXX will not write the letter,
Product: Credit reporting or other personal consumer reports

XXXX temporarily held my XXXX  loans, they now have been transferred to XXXX XXXX The credit bureau however is reporting that i owe a duplicate balance and on my credit it reports it indicates both accounts. It should have been reported as a continuation of my account and not an additional account as XXXX account is closed and transferred the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the XXXX XXXX XXXX  on the XXXX XXXX website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached XXXX. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on EQUIFAX, XXXX AND XXXX! 

( XXXX XXXX XXXX XXXX Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

i am an identity theft victim. accounts open in my name were not mine XXXX XXXX  XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed reporting chase in my credit report. 
I disputed with them, and their collections companies they hired all collection companies and Chase failed to provide documentation verifying the debt. 
this. problem has been happening for 1 year. they have failed to provide documentation neither delete the accounts. 

By law statements of a bill or a print out of a bill does not constitute verification of the debt. chase has failed FCRA & FDCPA law. Also failed to mark the account disputed within not within 30 but never. 
Please help me clear this matter with them before filing locally to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name is violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Money transfer, virtual currency, or money service

I used square card to take payment for items i was selling online. Square card sent the invoice to the customer and took payment via credit card from the buyer. They put the money in my account. I then shipped the items to the buyer, received signature confirmation! Several weeks kater a chargeback was filed as " not recognized ''. I provided square card with all of the emails which stated he had received the items, and filed the chargeback because he thought i was a scammer, but he would call gis bank and try to cancel the cchargeback, apologize for the confusssion. Dispite all of this evidence the money is still being taken from me. The amount is {$3100.00}, i am expected to pay even though i have no product. I tried to speak with square and they blocked my phone calls and are now threatening me with collections. I had to file a police report as this is FRAUD, he buyer clearly stated he got the items, and filed the dispute in error. His reasoning of " not recognized '' is clearly fraud and nothing is being done about it. It is considered grand larceny according to my local police dept. They should be going after the card company and or the card holder as fraud is illegal, and they have evidence of him admitting to such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to closed complaint XXXX I wrote the three credit bureaus the same date and only one has remedied the error on my credit report - XXXX  - likely because I filed a cfpb complaint against them. I expected the other two to follow suit but they have not. The other two are taking too long and this is adversely affecting my credit/score and ability to obtain credit. I am told by my local bank, with whom I am attempting a mortgage refi, that the scores with Experian and XXXX  are good, but both still have a delinquency flag notation. I want that fixed!
Product: Vehicle loan or lease

I was recently informed that ALLY Financial has placed 2 years worth of negative/90+ days late, payments on my credit report. I purchased a car with them in XXXX and in XXXX informed them that I had lost my job and wanted to work on a plan to try to keep my car since it was nearly paid off. Not sure where the disconnect was but my car was taken shortly after that. I did not receive any notification about the repossession ( i.e. where the car was being taken, next steps, options for reinstating my loan, if the car was being sold, NOTHING ) I 1000 % forgot about this company until my credit report was pulled and I noticed the 24+ late payments starting in XXXX!! They had my phone number, address, etc and I received ZERO correspondence! How could I be late on a payment I know nothing about?? No amount due, no due dates, no total balance, etc. How could they just add 24+ late payments in XXXX when they have had the car in there possession since XXXX? This company has single handedly DESTROYED my credit without taking the proper steps to notify me of said debt, nor did they give me the opportunity to retrieve it. They placed this account on my report as a charge-off and they have not followed the federal guidelines of my state.