23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting ) the freeze. 
However, Equifax online does not provide the option for victims, but rather has only XXXX default - Pay them {$10.00}! 
Nor does Equifax mention this available free option ( again, going for profits while using our info tho willing to leave it exposed due to Equifax delays in implementing a Freeze when demanding fees and nonsensical reports ). 
Especially galling is the fact that I am an ID Theft victim as verified by another Credit Reporting agency, XXXX ( attached ), i.e. my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, ALONG with XXXX XXXX other XXXX victims of this theft / XXXX breach. 

In contacting Equifax on XXXX occasions, XXXX and XXXX Equifax asked ( XXXX ) that I send a written request. Then when they ignored that, I again called ( XXXX ). They now asked for the attached Experian notice. 

Again Equifax ignored that which led me to call on XXXX/XXXX/2015. The first level rep, then the supervisor, then the next level supervisor ( XXXX XXXX in the Equifax Consumer Affairs Office ), first stated Michigan law did not apply ( false ) ; then that only a police report would qualify me for1 ) a refund of my {$10.00} that they essentially extorted from me ( the only way I could implement an immediate freeze to avoid serious credit, monetary, and repair time losses ; and,2 ) as per Michigan law which Equifax denied, no charge for the ongoing freeze ( including no charge for lifting / resetting the freeze in the future ). 
However, proof of ID theft is NOT restricted to a police report. 

Not only does Equifax provide false information ( MI law ) and ignore responding to follow-ups they request, but they also are willing to put victims of ID theft at risk if the victim does not pay them to implement a freeze. 
However, Equifax states that if consumers ( in this case all XXXX MILLION of us ) can get a police report re the breach, Equifax will " generously '' waive the upfront fee .... what a farce, they only apparently want to collect fees from OUR information. 

Meanwhile, XXXX and XXXX had no difficulty immediately implanting the free ( per MI law ) freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with equifax on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both equifax and XXXX XXXX XXXX have clearly violated the fair credit reporting act. Equifax by not performing a real investigation into this account and XXXX XXXX XXXX by reporting false and inaccurate information.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase.com. Recently, I tried logging into my account, entered the XXXX code generated by my authenticator app, and was then prompted to verify my identity. Following the instructions on their website, I submitted photos of my drivers license and a short video. Despite completing the process, the verification failed. I repeated this process multiple times, and each time, I was informed that the verification failed again. 

I called XXXX customer service helpline for assistance. The customer service associate ( XXXX  ) placed me on long holds several times, claiming each time that the team was working on the issue. I was instructed to change my password, which I did, and the XXXX assured me that my identity had been manually verified by their team and that I would now be able to log in. However, when I attempted to log in again, I was met with an error stating that I had attempted to verify my identity too many times and needed to try again in a few minutes. 

I requested that the case be escalated, but the XXXX informed me that it can not be escalated. When I asked to speak with a supervisor, the XXXX refused to connect me to XXXX or provide further details on why the verification had failed. After waiting approximately XXXX minutes, I tried again and received the same error message : try again in a few minutes. When I asked the XXXX  what the duration of a few minutes actually meant, I was told there was no defined timeline and to simply keep trying. This response was vague and unhelpful. 

The XXXX  also requested that I provide photos of my immigration and travel documents instead of my government-issued drivers license, which I declined to do due to privacy concerns, especially given Coinbases repeated failure to verify my identity. When I expressed frustration over being unable to access my account or funds, the XXXX went as far as to threaten to cancel my account. The call lasted over XXXX minutes, during which I received no clarity on why the verification failed, no resolution to my issue, and no escalation of my case to a supervisor or anyone who could assist further. However, I was threatened with cancellation of my account and the potential confiscation of my funds. 

After waiting nearly XXXX hours, I attempted to log in again multiple times, only to experience the same errors, despite being told that the issue had been resolved. Coinbase has not reached out to me with any updates, and no further attempts to resolve this issue have been made. My funds remain inaccessible, and I am left in a state of complete frustration and helplessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX account with XXXX XXXX reporting on my credit report. One account # XXXX and was for the amount of {$1600.00} and the other was for {$800.00} ( I had to call today to get the account number ), account # XXXX. I reported to TransUnion that I never received a bill for this debt or phone calls advising of the debt. The debt came back as verified and no action was taken. I discovered an email in my spam folder containing an offer to settle account XXXX some time after it appeared on my credit report and I submitted my complaint. So, I visit the website and they have an apartment number and a unit number for my address. And a phone number that I do not recognize. So, I know Id didnt provide this on the intake paperwork at the hospital. The address was listed as XXXX XXXX XXXX XXXX unit XXXX unit XXXX, XXXX, fl XXXX and phone number ( XXXX ) XXXX. I called today to XXXX XXXX to get the account number for the 2nd account so I could see what was listed as the contact information on it. I was provided account number XXXX. I logged an it shows my address this time as XXXX XXXX XXXX XXXX Unit XXXX XXXX, FL XXXX and phone number ( XXXX ) XXXX. So, XXXX not sure how these came back verified and the intake forms should be able to be confirmed. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX and my phone number is ( XXXX ) XXXX and has been for over 5 years. Account XXXX was removed because it is now a paid medical debt but should never neither should have been added in the 1st place. Please help.
Product: Debt collection

2 years ago I have advised this company XXXX XXXX I did not take out a credit card with them. since they they have attempt to call/ sends letters, as of today XX/XX/22 I got a letter in mail for civil judgement to appear in court. They also sent someone to my home to serve me a warrant. They have Midland credit management sending threating attempt to collect letter
Product: Student loan

I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making payments and let my account fall behind they can then work with me until then I am on my own. I have a XXXX credit score and do not think that I should have to ruin my credit to get assistance in trying to pay my debt down. When I asked would it help if I made more of a payment would the balance come down, I was told that not matter what I send it will come off the interest and not the balance until all the interest is paid back. I find it very hard that in 8 years nothing has come off my principle. I feel that no matter what I do AES will not let this loan be paid off. I feel as if I am drowning in this debt and cant tread water for very much longer with out giving up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitolone has been negligent and uncooperative in investigating these fraudalant charges.Presently they reversed the last of two charges that I did not make.A {$400.00} cash advance from an ATM. Recieved today through cfpb that they are " still investigating '' .I am requesting their security team access the CCTV to show who made the cash withdrawal.Safeguards at the ATM were compromised and Capitolone not only did not protect me from the fraud but attempted to make me liable for the fraud.This has cost me time, money and stress.Lastly, Capitolone has compromised user information in the past, as in 2019 with almost one hundred million users.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, just recently obtained my credit report on XX/XX/XXXX. I noticed numerous unauthorized hard inquiries that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my credit report must have permissible purpose according to 15 U.S.C. 1681b. See Exhibit A. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NC XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b Sincerely, SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My son took out a new car lease and. needed me to help do video for him to get approved for his car loan so I did the video but I do n't drive I don't have license the letter says XX/XX/year> it says I owe XXXX
Product: Checking or savings account

I was banking with Wells Fargo, since XXXX. Never had a problem with them. I was a very loyal customer, XX/XX/XXXX of XXXX I got XXXX  so I was XXXX  all the way until XX/XX/XXXX of XXXX before I got XXXX  up. I had 3 accounts, I had one. Checking and 2 savings with all 3 of my counts together, I had XXXX in my bank. When I went to withdraw funds from my accounts On XX/XX/XXXX I come to find out one of my accounts had a {$1.00} in it and the other account had XXXX cents and the other account had XXXX money. I tried to ask them what happened to my money. We did identity theft and a fraud on my account. I sent end documentations of me being XXXX  And where I was.at the time that All the transactions took place. 
The Transactions. took place around XX/XX/XXXX, all the way to the end of XX/XX/XXXX. At the time when I got XXXX, my landlord evicted me so he put all of my things outside. Yes, I had a computer, a laptop that had my information in it. My wallet was put outside right along with my social security card, my ID my Birth Certificate and all personal items. Somebody somehow got my information and took my money out of my accounts. I asked the bank to do a good investigation and to prove to me that they did the investigation. And only thing they did was send me an email and denied All my claims. From all 3 of my accounts that was. 
In my name.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Mortgage

***COVID 19 FRAUD .. 2020 CARES ACT LAW VIOLATIONS*** Our mortgage qualified for the Covid 19 forbearance plan, and Nationstar is reporting the loan as past due while scaring the homeowner. They are also not giving the consumer the option to pay the for the forbearance at the end of the loan. Faced with a {$200.00} million quarterly loss if they follow the law, Nationstar has decided to steal homes from victims of the 2020 pandemic.

I am not making this up ... attached are copies of the correspondence received you clearly see " you qualified for covid19 assistance '' followed by " all payments are immediately due '' and " your loan is overdue '' signed by them. 

This loan was also originated with loan origination fraud, Nationstar and XXXX Mortgage admitted required items were left off escrow at loan origination ( copy o attached also ) but they claimed that escrow fraud and theft of escrow was well within their rights. 

Loan fraud and escrow theft was confirmed by a XXXX XXXX detective on this file and it was forwarded to the FBI IC unit. I assume Covid19 is slowing the prosecution of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, following a divorce, I bought a XXXX XXXX XXXX, I lived in Florida at the time. In XXXX, with my finances in a mess, I filed a chapter XXXX Bankruptcy. I would have filed a chapter XXXX, but I did not qualify. At any rate, the car was part of the chapter XXXX, but with a reduced payment from the Trustee. In XXXX I determined that I would file a chapter as financially I qualified. My lawyer agreed and drew up the paperwork, taking XXXX for the chapter XXXX. In a meeting in her office a week or two later she told my I did not qualify as it had not been long enough since my last Chapter XXXX. 
I contact Exeter Finance to try to work something out to keep the car, but they wanted me to pay the {$6000.00}, and that was not possible. At that time, I contacted Exeter finance and surrendered the car to them. At some point thereafter they sold the car. They violated Florida law when the sold the car, as Florida XXXX states that they must notify me of the time, day, and location to the sale at least 10 days prior to the sale. 

Exeter Finance then reported to XXXX that I owed a deficiency of {$23000.00} and XXXX under public records as included in bankruptcy. XXXX, Exeter and XXXX are refusing to correct the information even though they have been informed that Exeter violated Florida law when the sold the car without notifying me. In addition, the chapter XXXX Bankruptcy was dismissed in XXXX and XXXX  has been advised to the same, but refuses to either remove it from my credit file or put a note that says the bankruptcy was dismissed.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I am unable to create an account to track my mortgage with Truist.com As a result, I miss important information about my mortgage payments. Eg my monthly payment increased, I didnt know. 

I have repeatedly asked for Truist to MAIL me information since I am somehow unable to create an account. 

The account creation issues include : 1. They need to send me a code to verify my identity. XXXX XXXX is unable to send me the code. They can not fix this. I must take it up with XXXX XXXX as this indicates that I must have blocked Truist on text. ( False. I actually want to hear from my mortgage company. ) 2. I recently received a letter telling me my mortgage payment was short. It had increased, but I had not been informed prior to the increase. 

3. I tried to do as that letter suggested and create an online account again. My zip code did not match the zip associated with my account, and I was eventually timed out for too many attempts. 

I live in the home. My name is ON THE LOAN. 

I suspect this stems from a divorce. My ex-husband is able to get information on the loan. He doesnt live here nor does he make the payments. 

Ive been told to ask your husband to make the account since he has access. ( My response : ex. Ex-husband. Also theres a restraining order in place and contact is not allowed. ) Pretty sure theyd have no problem suing me if the loan went into default, but here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX, XXXX XXXX XXXX XXXX A XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$5700.00}
Product: Student loan

As of the end of this summer, I will have been a graduate student at XXXX University in XXXX, Georgia. I have applied for a SallieMae loan most of the semesters that I have been attending there, and every time that I have, SallieMae has approved my loan without any strings attached. But suddenly, and for the first time, they are requiring me to get a cosigner to acquire a loan. There is nothing in my credit history over the last half year that would even suggest that I have suddenly failed to meet the standards required to receive a loan.
Product: Debt collection

1. I never received any letter from the company about the debt. 

2. This is a medical debt of XXXX dollars. The collection company has reported this to all 3 credit bureaus to damage my credit. They have clearly violated the law. As per new law medical debt less than XXXX should not be reported to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}
Product: Debt collection

Paid portion of bill to Balanced Healthcare Receivables on XX/XX/18. Was promised an email as a receipt, as well as a email with website to continue payments and stop phone calls.. Never received receipt or website emails and less than a eek later received another call trying to collect the debt. The person spoke, got my info and hung up on me. Called back asking why I was receiving calls less than a week later and was told it was a glitch that they could see I paid 6 days ago online ( which was false as I paid on the phone ) and the lady kept saying it was a glitch and was a harrassing call
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/year>
Product: Credit reporting

i filed chapt XXXX XX/XX/2010 ... .EQUIFAX will not remove item from credit report ... .been 7 years ...
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my report I did not authorize. 
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