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

I had tried months before to remove the security freeze on Equifax.com, but to no avail. I was unable to log in or get a hold of any person. I also mailed in information to their address on their website, but my account remains frozen. On Friday, XX/XX/2020, I tried again to remove a security freeze on Equifax by logging in to the account. Following the directions given by Equifax on the phone, I logged into MyEquifax and was met with the screen displaying this message : We are temporarily unable to complete this request. 
Please try again later. 

I tried to call them at ( XXXX ) XXXX, and was met with a recording, and when I pressed " 0 '' to talk to a person, I received a pre-recorded message telling me I needed to mail in paperwork with information about my identity. I had done that previously a few weeks ago after giving up on all my attempts to contact Equifax through the phone and logging into my account. There seems to be no accountability on Equifax 's part regarding their duties to consumers. I am not able to log into my account, talk to a person, or see any difference by mailing information to them. I want to be able to have control over my credit freezes/information and Equifax is denying them to me. 

What needs to be done is that credit bureaus should give consumers control over their accounts. Make your website accessible to everyone. Have people on the phone on the other side ( especially when you give that option! ). This is akin to a bank not letting me access my personal checking account and should be illegal. If a company is not able to handle sensitive information that belongs to someone else with responsibility, it should be denied the privilege of storing that information, much less having a hand in rating a responsible citizen 's credit.
Product: Credit card

Hello! This concern is regarding my recent XXXXXXXX XXXX XXXX application, financed by FNBO. I submitted my application on XX/XX/year> and it was placed into pending status. I would like to get more clarification on the current status of the application and the expected timeline for approval/denial. Has a verification letter been sent manually by mail as part of the fraud/risk strategy? Is the application pending manual review? I would love to provide anything needed to finalize the decision. This is the longest I've waited for an application sitting in Pending without some sort of update, even if it was to clarify that they will be sending additional verification documents in the mail. I am aware that it can take 10-14 business days to review an application ; does that mean they are all manually reviewed? Any help would be greatly appreciated! PS The front-line agent I spoke to ( XXXX , I think ) was lovely, but seemed to have no more access to the information than I did.
Product: Vehicle loan or lease

Credit acceptance now has lied stating my claim this morning belongs to so eone else which is a lie they have committed fraud and admitted to the dogs they were at fault and I'm still looking for my truck being g fixed since I paid this bank for the XXXX. There lies canvobtinue but I don't appreciate the claims being gclpsed without being resolved.
Product: Debt collection

FRAUD ACCOUNT OPENED UNDER MY NAME FROM MIDLAND FUNDING XXXX XXXX XXXX  XX/XX/2018 {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, BC SERVICES INC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors 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 signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BC SERVICES INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Student loan

Mohela did it again. Mohela is NOT FOLLOWING THE LAW. 

The Cares Act states if your income recertification date is within 6 months after payments restarted in XXXX then you do not have to recertify your income until the following year. The 6 month deadline is XX/XX/XXXX. My annual income recertification date is XX/XX/XXXX. XX/XX/XXXX is before XX/XX/XXXX. Given XX/XX/XXXX is within the 6 months, I do not have to recertify my income until XX/XX/XXXX. 

Mohela decided NOT TO FOLLOW THE LAW AGAIN and change my payment from {$290.00} to {$5800.00}!! This is ridiculous. Mohela needs to be held accountable and to follow the law.
Product: Debt collection

XXXX XXXX XXXX has agreed to a settlement for this account XXXX. Please remove this account as the debt was paid.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX solutions # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX  XXXX
Product: Checking or savings account

when my transactions were posted/authorized the funds were available in my account and it took several days for Navy Federal to post the transactions which led to me getting overdraft fees. This aligns with the CFPB findings against Navy Federal where transactions were settled with insufficient balances despite initial available funds. This is unfair & unacceptable and I request an investigation into my account
Product: Debt collection

XXXX XXXX and covert outsorcing both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america. someone took advantage of me and my family. 

XXXX  rep said we cant understand your language go to school then call us. 

outsourcing rep only said we cant help you you must pay or your credit will be ruined and its on you if you get deported.
Product: Credit card or prepaid card

This is a complaint against American Express Company for the unauthorized and unlawful release of all of my wife and Is personal financial records to an unauthorized person ( s ).

Prior to my wife and I having knowledge that Amex freely gave our personal financial records to an unauthorized person ( s ) and just days after it allegedly happened we had to file a police and FTC report because our identities and bank accounts were stolen. 
Background Im currently in litigation with my previous employer XXXX, XXXX. 
As part of discovery, Counsel for XXXX ( XXXX XXXX XXXX XXXX ) specifically, XXXX XXXX XXXX and XXXX XXXX issued a civil subpoena to American Express on or around XX/XX/XXXX. [ Case : XXXX XXXX XXXX vs. XXXX XXXX ( Case No : XXXX ) of the Circuit Court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida . ] The documents requested were limited by the courts to only include : Monthly credit card statements for the accounts listed below from XX/XX/XXXX - XX/XX/XXXX. This request is limited to payments to XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
1. American Express, card ending in XXXX, expiration on or about XX/XX/XXXX, issued to XXXX XXXX XXXX ( Last 4 : XXXX ) or XXXX XXXX XXXX ( Last 4 : XXXX ), XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. 
2. American Express, card ending in XXXX, expiration on or about XX/XX/XXXX, issued to XXXX XXXX XXXX ( Last 4 : XXXX ) or XXXX XXXX XXXX ( Last 4 : XXXX ), XXXX XXXX XXXX, XXXX XXXX, FL, XXXX However, without notifying me or my legal counsel and/or attempting to notify me or my legal counsel, American Express XXXX XXXX the court order limiting the scope of the subpoena and provided XXXX XXXX XXXX and XXXX XXXX ( unauthorized persons ) all ( over 150 pages ) of my Personal Financial statements. 
After I filed a police/FTC report for identity theft my attorney informed me of what happened and provided me copies of the subpoena production American Express produced to ADPs counsel. Not only did their production far exceeded the scope of the subpoena but they also violated a court order in the process On or around XX/XX/XXXX, I contacted American Expresses XXXX XXXX XXXX and informed them what happened. On XX/XX/XXXX Amex  responded who denied any and all responsibility and told me to contact opposing counsel. Additionally, at no time did AMEX  attempt to even contact me prior to releasing the records and/or to find out if we were filing a Motion to Quash. 
I appreciate your help in the matter Kind Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never lived there FCRA violations
Product: Credit card

This is a blanket complaint that I think will affect many consumers. 
XX/XX/2023. I'm trying to access my Chase Visa account online, as I do every month ; When I tried to log in to my online account today, I was told that the company had updated its disclosers and agreements and that " If you don't accept them, you won't be able to see or manage your accounts online. '' The first agreement was 125 pages. 125 pages!! Who XXXX XXXXXXXX has time to read that when all they want to do is check that a refund posted to their credit card?? 

The second agreement was 10 pages. 

This XXXX XXXXXXXX, designed to XXXX the consumer by hijacking their account from basic access until they agree to whatever terms the company randomly decided on. I don't have time to read XXXX total pages of agreements written in legalese - when all I want to do is have valid access to my account in the manner I ALWAYS access my account to check on the status of a refund. 

I get that terms get updated -- but forcing people to agree to something they do NOT have time to read? XXXX XXXX XXXX 

I submitted a complaint online, but do not have several hours to waste trying to explain this problem to a account rep who will just transfer me to several other people while they try to " figure out '' my problem. My problem is this is just WRONG -- and you are holding my account information hostage from me -- it's MY ACCOUNT. All I want to do it check a refund. But I can't see anything because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Bankruptcy XX/XX/2013 error. not mine
Product: Checking or savings account

Someone stole my debit card information and charged several XXXX dollars, i notified Chase within a few days once i noticed and opened a dispute.

chase waited approximately 2 month and closed the dispute as denied and debited my account the disputed amount without notifying me prior or providing me any period to dispute the merchants claim.

Based upon information gathered from chase reps the merchant came back with my name and address and an IP address where the charges were made from, which the bank already knew they had my name and address as the authorizations on those charges showed them that. 

They used the response from the merchant to determine that i made the transactions even though i did not, simple providing my name and address is not proof of any authorization. 

Further the merchant provided an IP address ok great, the issue is upon reviewing the IP address service provider it was not and is not a provider that i use at home or work, additionally my ISP would never be visible to any end point as all traffic from my home is routed through a VPN as my employment requires that since i work from home sometimes. 

had chase done a meaningful investigation this would have been revealed instead they decided to breach our contract ( deposit agreement ) which clearly states that as a consumer i have no liability for transactions made fraudulently so long as i notify chase of the fraudulent transactions within a reasonable amount of time. 

they failed to notify me of a merchant response or to request any further documentation from me that could have easily shown that the merchant was in fact not providing any information submitted by me.
Product: Debt collection

I have entered into a debt settlement program through a third party that is working with XXXX XXXX/Synchrony Bank yet they repeatedly call me multiple times per day at various hours throughout the day and night and even on weekends.
Product: Checking or savings account

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, between XXXX XXXX  and XXXX XXXX, I attempted to make a deposit at the Citibank ATM on XXXX XXXX in XXXX. Since I do not understand English, I followed the icons displayed on the ATM screen. After inserting my bank card and entering my PIN, I proceeded with the deposit. However, due to my lack of English proficiency, I mistakenly pressed the " Check '' button. A slot opened below the ATM, and I placed XXXX {$100.00} bills, totaling {$500.00}, into the slot. The slot quickly closed, and shortly after, the ATM screen prompted me to remove my bank card. 

At that moment, I realized that I had made an error, but my cash had already been taken by the ATM. I repeatedly inserted my card, attempting to reopen the slot, but I could not retrieve my money. I immediately contacted my family for assistance, and they called the banks customer service. The representative assured us that the issue would be addressed promptly. Initially, I trusted that the bank would recover my {$500.00} and return it to me. However, several months have passed, and I have yet to receive any resolution. 

I now formally request that the bank review the surveillance footage of the ATM transactions on XX/XX/year>, between XXXX XXXX  and XXXX XXXX, at the Citibank ATM on XXXX XXXX in XXXX. Additionally, I ask that the bank thoroughly audit the records of all ATMs on that date to determine the whereabouts of my XXXX {$100.00} bills. Simply responding that there was no discrepancy in the account balance is not an acceptable answer. How is it possible to lose {$500.00} at a bank ATM? This level of service is unacceptable.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX  for XXXX dollars, opened in XXXX of XXXX. I was making on time payments and had no issues with the loan. In XXXX of XXXX, I received an email offering a tax refund special to pay my account off early for a reduced price of XXXX saving me XXXX according to their email. I made the requested payment and they then reported my account as charged off and settled for less than the original balance to the credit bureaus. I have reached out to both XXXX and the credit bureaus multiple times with no response. This account was never charged off and was on time at the time of the reduced payment. I only took the offer because they offered a savings. The last 4 of my social security number are XXXX. The account number as listed on my credit report is XXXX. I have attached the email, some of the letters I have sent to both the credit bureau and XXXX my bank statement showing the payment and the issue on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the following items will be corrected or deleted soon : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was scammed for {$950.00} by a company claiming to be called XXXX XXXX. This was a company supposedly looking for new hires that I found via ziprecruiter. They sent me a check and I needed to send the money to someone through my personal XXXX account. The check bounced and I went into overdraft for {$730.00}. Originally I had {$220.00} in my bank account. They got away with scamming me {$950.00}. I love paycheck to paycheck and am a mom of XXXX kids and I need the money as it will help cover groceries and bills for the month. Ive tried getting contact with the hiring manager for the company and was left with no answer. Please if there is anything that can be done I need the help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I forwarded a dispute letter to Equifax regarding a credit card that I satisfactory paid off and attached a copy of the receipt with the dispute letter. I received a response in XXXX of XXXX stating that the information was verified and the account was updated with the changes. I pulled my annual credit report in XX/XX/XXXX and I noticed that not only was the XXXX XXXX account still on my credit report as a " Charge-Off '' but the balance was wrong and it did not display any corrections that I was informed of in XX/XX/XXXX. I submitted another dispute letter to Equifax on XX/XX/XXXX, requesting that they correct my report to reflect that my account was satisfactorily paid in full and remove the charge off on my report as noted on the receipt. On XX/XX/XXXX, I received a letter from Equifax stating " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ''. The credit reporting agency falsified their statement, but the incorrect information is still on my credit report. It is hurting my credit score and ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 XXXXXXXX XXXX. Please delete this account immediately.
Product: Credit card or prepaid card

Comenity Bank closed my Express credit card without the required notice informing me if I did not use the card before a specific date. I did not have 30 days as required for the state of CA. I never received correspondence informing me to utilized the card. If not, it would be close. When I reached out to the company, they informed me that there was nothing they could do. They couldnt locate a notice of anything informing of such action that was mailed or issued to me 30 days prior to my account closure. The only notice I received was when I called on XX/XX/13.
Product: Debt collection

I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- XXXX XXXX XXXX XXXX XXXX  ) has made the mistake to put my account under forbearance in XX/XX/XXXX/XX/XX/XXXX, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted XX/XX/XXXX more than 20 times since XX/XX/XXXX by phone to ask XXXX to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to Experian, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need XX/XX/XXXX help immediately to get this fixed.