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

Whenever I try to obtain a credit report through Equifax for free ( either as an annual report or due to a denial of credit ), the system won't allow me access to my report. However, if I try to purchase a report, they will provide it for me immediately. In the past, I would purchase the reports because I needed them for something immediately, but now I know I can report this practice. 

On XX/XX/2018, I tried to obtain my credit report due to denial of credit. I went through the online system and successfully supplied my correct information. It stated I was entitled to a free report. When I clicked to retrieve this, it stated " online delivery unavailable '' and gave me the customer service number to call. I called the number and went through the prompts within the automated system and was provided a confirmation number and no additional explanation. The system then stated it would connect me with a representative. The line hung up on me. Immediately after, I contacted the Equifax customer service via chat, and received terrible service. I stated, " I requested my credit report ( I was denied recently ) and when I finished, it said, " online delivery unavailable '' and gave me information to call. I called and went through the prompts, receiving the confirmation code : **********. Then the phone hung up on me. Someone allow me access to the report I'm entitled to. The only time I have issues obtaining my report is when I'm supposed to receive it for free. '' The representative said they could not help me and referred me to the number that had disconnected me. I stated that I would file a report about this issue and they ended the chat without any conclusion from me. 

After the way Equifax leaked so many customers information ( including  mine ), I believe they shouldn't be allowed to operate as an agency anymore. They aren't able to be responsible to its customers or their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My info was use to obtain goods. On top of corona virus I cant survive. Please remove fraudulent accounts from my credit report XXXX XXXX XXXX XX/XX/18. {$1900.00} XXXX XXXX XXXX XXXX XX/XX/18. {$110.00} Remove of my credit report immediately. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request.

I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit card or prepaid card

Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one.

When I apply for credit I expect the creditor to ask which credit report they want unlocked to review. However, XXXX does not seem to comprehend this and after 3 representatives yesterday, repeating my question 17 times over a course of 1 hour and 7 minutes, I hung up.

FCRA rules are not being followed and it makes it hard to obtain credit that way. 

If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX, then perhaps legal action should take place.
Product: Debt collection

I received a notice in the mail from American Coradius International LLC. Attempting to collect a debt of {$670.00} to XXXXXXXX XXXX, for my XXXX account. I have contacted XXXX and XXXXXXXX XXXX. Both agree that I do not owe any such amount for any XXXX credit ( XXXX ) account because my application was declined.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against XXXX ( File No. 2025-CFPB-0002 ) for similar misconduct. 

XXXX failure to conduct a proper investigation has caused significant harm, including damage to my creditworthiness, emotional distress, and difficulty in obtaining financial products. I provided all necessary documentation to support my disputes, yet XXXX continues to rely on automated processes or incomplete verifications instead of conducting a reasonable review. 

I request immediate action to ensure my disputes are properly investigated and the inaccuracies on my credit report are removed. Additionally, I request that the CFPB take enforcement action to prevent such violations from recurring and ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I opened a PNC bank checking account on XXXX XX/XX/2021. It has a promotion that get get 2 direct deposits of {$1000.00} and then they will give me {$200.00} cash back bonus. I have already got 4 direct deposits in this account totaling more than {$2800.00} but no {$200.00} cash back bonus. 
When i asked them this question via secured message center, they are asking about the offer.
Product: Student loan

I started business with Premier Student Loans Im XX/XX/2017. At this point I have put in at least XXXX towards my student loans through Premier. Then it turn out they are being sued for unethical business practices. I reported the payment I made to them to my bank, but my bank was only willing to help me with three of them ... and they may take that money back from me anyway. I want my money back. I owe over XXXX for school loans. In the meantime, my loan amounts seem to be going up. At one point, my student loan withdrawals from a Premier showed on my checking account statement as another company NOT Premier. I was told by a representative that it was okay and was normal because the company works with different businesses? This year I finish my XXXX XXXX this year and will need to start paying ASAP. Yesterday, Premier attempted to debit from my checking account twice!  And it was for amounts that I have never paid before ( XXXX dollars twice ).  I want my money back so I can actually give this money to the Department of Education for my loans. and of course all of this is happening during the holidays. I am completely disheartened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX CO ) XXXX Open Date : XXXX XXXX, 2019 Balance : {$1900.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) XXXX Open Date : XXXX XXXX, 2020 Balance : {$630.00}. 

According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Secret XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX Ct, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX Wy, XXXX XXXX XXXX CA, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, I have received a copy of my credit report with the intentions of trying to improve my credit and take care of responsibilities and notice a few counts that I wanted a little more explanation on. I'm not saying the reporting is right or wrong I'm just saying I am not 100 % sure if they are also reading something called The Fair credit reporting act where it says by Constitution I have the rights to challenge anything. Also I am not sure if any accounts are accurate some the reporting things on me I have never heard of which made me contact you. I have different reports from XXXX, Equifax an XXXX credit karma that are not reporting as the same information. 2 collection that I never got debt validation. Also removal of disputes under 612 - 15 U.S.C. 1681j consumer under that section after the XXXX period beginning on the date of notification of the consumer under paragraph ( 6 ) or ( 8 ) of section 611 ( a ) [ 1681i ] with respect to the reinvestigation, which charge ( i ) ( ii ) shall not exceed the charge that the agency would impose on each designated recipient for a consumer report ; and shall be indicated to the consumer before furnishing such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint on behalf of myself without any assistance form third parties. I spoke with Equifax on the phone in response to their failure to properly report accurate information. They are not reporting 100 % accurate data as required by FCRA and are violating 15 USC 168s-2 ( b ). They did not conduct a proper reinvestigation with the furnishers of the information. I have also spoke to XXXX XXXX XXXX XXXX and they told me different information than what they are reporting to the CRA 's. I told them it was inaccurate, they are now aware that there are errors on the consumer report, which is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). This inaccurate data has been damaging to my entire financial profile. I have been denied extensions of credit, car loans and business loans.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update these suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a mortgage with Freedom Mortgage which I have now paid off during a refinance. 
I paid off my mortgage with Freedom in full on XX/XX/XXXX On XX/XX/XXXX I was charged the PMI for the month of XX/XX/XXXX and was up to date on my PMI. 
On XX/XX/XXXX {$290.00} was removed from my escrow balance. 
I called about this issue and was first told that this was a " hazard insurance supplement '' as they had determined that my insurance was not sufficient. I informed them that I no longer had a loan with them. They were confused and then took 48 hours to " research ''. After 48 hours they contacted me and told me that this was payoff to my PMI. I infomred them that I was up to date on my PMI and that furthermore the amount charged did not align with what my PMI payments were ( which was {$100.00} ). Several customer service supervisors were confused by this issue over three separate calls. They continue to claim that it is a valid charge without being able to articulate what the charge is for. 

I have asked for a refund of the charge and Freedom Mortgage has failed to refund over the past month.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX-XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # 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: Checking or savings account

I have been a member of NAVY FEDERAL CREDIT UNION FOR OVER 10 YEARS. I am concerned about the fees that I have been paying for the overdraws that have posted to my account over the past, I even had an prior account that had the same issue, where fees were applied and I paid them. I closed that account and reopened an second account and still had the same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.
Product: Student loan

I was XXXX when I had a meeting about how to pay for my school at XXXX XXXX I did not I did not understand what they were talking about. someone just gave me some papers to sign. after I graduated I got many, many calls about owing money for going to XXXX. I told them that I could not remember what they were talking about. I told them to stop calling but they not stop. I got really scared to answer the phone because they very mean to me. I went to my psychiatrist and he changed my drugs to help me out. I got a lawyer who told me he was going to sue and I would get a lot of money.
Product: Credit reporting or other personal consumer reports

there are several hard inquiries on my credit report that should not be on my report. mainly from auto finance companies. i have not authorized anyone to run my credit for any purpose let alone for the purpose of purchasing a car. At the time/date of these inquiries that are listed on my report i was not looking to even purchase a car or take out a loan of any kind seeing as my credit score was in the low XXXX or below. 
the following are the inquires listed on my report, and some of them are listed on transunion and not equifax. and one or two are on equifax and not transunion which also dent make sense. 

The following incorrect inquiries are as follows and are on either all 3 of the credit bureau 's or at least one of the 3 : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( no phone number listed ) XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. ) XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied XXXX XXXX credit card. Someone used my identity to used credit card. 
I made a police report and disputed this matter with Experian, XXXX, XXXX XXXX. 
The Credit Bureaus stated my account was properly investigated but they did not. 
I never lived at XXXX XXXX area, There are address show on my credit report along with inquiries. I am trying to buy a car but this negative impact hurting my financial situation. 
I disputed more than XXXX times but nothing happened. 
Please delete this XXXX 's credit card account.
Product: Credit card or prepaid card

I applied and was approved for a XXXX XXXX XXXX credit card which is sponsored by Barclay 's bank. I used the XXXX  credit card to purchase excursions on the cruise which were discounted by 20 % if purchased with this particular credit card. For my general expenses, my XXXX XXXX debit card was on file and used for food, drinks and the spa. My ex-husband was also on the cruise and stayed in another room with his mother. He kept his debit card on file with the cruise for his expenses as well. His debit card was used and XXXX XXXX attempted to " force post '' certain expenses onto his debit card but his bank rejected them since he did not have enough funds available in his checking account. Because I have his last name, they forced the charges on my XXXX XXXX without my permission! When I called XXXX, they acknowledge they should not have done this but refused to remove the charges unless he presented them with a valid credit card. I told them not only do I not speak to my ex-husband to make such a request, but this is illegal! They can not just use a credit card they were never authorized to charge for someone else 's charges! XXXX XXXX is clearly committing fraud. I contacted Barclay 's, the sponsor of the card, and while they sympathized and agreed XXXX can not do that they actually told me to get my ex-husband to fill out a form with his credit card number and they can remove the charges from my account! I threatened to sue the bank and report them to the regulators and after fighting with the fraud department they agreed to submit the fraud dispute to mastercard but were unwilling to provide me proof that they would indeed handle this according to the law. The Barclays rep said that if they can not resolve the complaint within 90 days then I will be held responsible for my ex 's charges and should just sue him for it! I am appalled that they are doing this to people and are helping barclay 's commit fraud! i have attached my statement. as you can see I always paid my charges in full except I refuse to pay for charges not mine.
Product: Mortgage

My wife and I were having difficulty with our mortgage payments because it was a variable rate. Over time the loan payments went from {$2000.00} to {$2600.00}. We wanted to refinance/re-modification, the bank rejected our application twice. At this rate if nothing is done we might be in position of not being able to keep up with payments. We have children who are under XXXX. Repeated calls went unanswered or fell on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX & XXXX Hard Inquiry Removals : 1. ) XXXX XXXX / XX/XX/2023 2. ) XXXX XXXX / XX/XX/2023 3. ) XXXX XXXX XX/XX/2023 This is a violation of the Fair Credit Reporting Act ( Section 1681 b ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX has listed late payments of 30 days from XX/XX/XXXX to XX/XX/XXXX which is incorrect. Payments were made within 30 allotment and are not subject to late payment reporting to the credit bureaus. Also repossession listed as XX/XX/XXXX and XX/XX/XXXX are also incorrect. Car was in my possession and account was current at that time. Past due balance had been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new immigrant, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Equifax received appropriate proof of my identity ; copy of identity theft report ; the identification of the information ; and a statement that the information was not related to any transaction by consumer. On XX/XX/2018, Equifax sent a copy of the credit report dated XX/XX/2018, indicating that an Extended Fraud Alert was placed and that the file was blocked for promotional purposes. The information resulting from identity theft remained on the report. 

On XX/XX/2018, Equifax took my call regarding their liability for noncompliance with section 605B of the FCRA. XXXX, a manager in the fraud department, stated that Equifax did not accept the identity theft report because the account numbers were incomplete. The account numbers were truncated exactly how they appear on the Equifax credit report. XXXX also state that Equifax policy does not mirror the FCRA in regards to the four ( 4 ) business day period to block information resulting from identity theft. 

The fraudulent information remains on my report without notification or justification required under the FCRA.