23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has refused to send me a copy of my credit report several times this year. I sent the last and most recent request for my full report to Equifax in late XXXX 2015 because I 'd learned only recently that XXXX XXXX lowered my credit limit on a credit card I 'd had for more than a decade because of false information Equifax provided to it. Yet, as copies of letters to Equifax from earlier this year that are attached to XXXX previous CFPB complaints about Equifax demonstrate, I have asked for a complete, corrected copy of my credit report from Equifax several times this year but it has failed to provide it. There is no way I can know what false information Equifax continues to carry in my file or has newly added to it without being able to review my entire file. 

XXXX previous CFPB complaints against Equifax this year alone indicate a breathtaking amount of false information in my Equifax credit file, including that which significantly and intolerably undermines my identity. XXXX previous CFPB complaints about Equifax ( # XXXX, submitted on XXXX XXXX, 2015 ; and # XXXX, submitted on XXXX XXXX, 2015 ) document Equifax 's multiple stone wallings and denial of my rights that supposedly govern its operations. It has falsified my birthdate and refused to indicate where it got it from or why it inserted it into my credit file. 

Please force Equifax to provide me with a full, complete and accurate copy of my credit report immediately. It provided false information to XXXX XXXX and I have been denied credit and have been charged more there because of Equifax 's injury to me and its habitual refusals to comply with the law. ( A lower credit limit at XXXX XXXX entails fewer discounts on anything I buy there, and have bought there, this year. This drives up the price for all purchases at the store. )
Product: Debt collection

HIPAA VIOLATION ... .Please be advised I have requested " validation '' { not verification } of XXXX itmes you reported to the credit bureau.I have received a response that clearly violates my rights according to HIPAA . 

XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was XXXX XXXX XXXX. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a XXXX XXXX XXXX loan I got on XXXX/XXXX/12. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house first, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to UDH, but UDH is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact UDH to notify them of this situation. She also gave me UDH 's number to follow up with them myself. I called UDH, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him 2 voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " XXXX in penalties ''.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Debt collection

As of XX/XX/XXXX I have a gotten a letter stating of a debt that I owed in XXXX, I have contacted them as soon as I got the letter. The company that represents XXXX XXXX are THE BARTON LAW GROUP LLC, Spoke with several people always giving me the runaround about the Debt I asked what I have to pay to clear the Debt each person I talk to gave me different numbers try to set a payment plan with no paper Trail so I sent them a Debt validation letter through a credit restoration company I hired no response in getting back to them they responded in recieving the letter but no one was wrote back to me.I spoke to young lady named XXXX telling her that i would like to do a settlement she said I can do it I have to come up with a price and she let me know if its approved or not, I don't appreciate verbally getting this debt resolved through this law office, I need some help with this debt getting this cleared up because there are giving me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to XXXX, and XXXX responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against XXXX as I am currently being denied credit due to this incorrect information. 

My initial complaint for your review : On XX/XX/XXXXXXXX   I submitted a complaint to the CFPB to investigate XXXX for incorrect reporting. The CFPB closed the case after XXXX responded without making the necessary updates. XXXX simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXXXXXX  complaint. XXXX has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXX has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. XXXX unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX - XX/XX/2023 - On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.
Product: Credit card

I did an online chat regarding my AppleCard ( Goldman Sachs ). I requested statements from the year XXXX I was told multiple times that there is no ability to provide statements further than 2 years back. All other banking instiution have been able to help me in this matter as I have an IRS audit and need the statements.
Product: Vehicle loan or lease

I am paying my car loan back at a payment and a half per month with GM Financial to catch up after falling on tough financial times. Have discussed with them multiple times the plan. In the past 3 days alone, they have called me 15 times! When I questioned them, they said, well the computer says weve only twice today.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I 'm not able to get a clear explanation on how the Loan Calculations are computed on page XXXX of the Closing Estimate.
Product: Checking or savings account

Greetings! My name is XXXX XXXX and I'm contacting you regarding Chime Financial Inc. ; account ending in XXXX for Unauthorized Transactions totaling in the amount of {$4900.00}. I initially reported this to Chime XXXX I went through the proper proceedings to no avail. After showing me the documents used per dispute-claim # XXXX for Unauthorized Transactions it did not resolve the issue at hand. After a thourough examination of the transaction history in my account, I adamantly refute those transactions. I have no knowledge of the activities that took place during that time. Thus, I was XXXXXXXX on unrelated matters ( please see attached documents ). I'm seeking a fair and courteous investigation be conducted in this matter. Please find attached all of the necessary documents per this matter. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

your investigation turns out THE worse. XXXX sold the account in XX/XX/XXXXwhy am I being reported late in XX/XX/XXXX THAT HAVE NO RIGHT TO REPORT PASS XX/XX/XXXX WHEN THEY SOLD THE ACCOUNT that's inaccurate reporting you had three time to fix now time to delete trade line payment status with all accounts are SOLD /CHARGE OFF NOT IN COLLECTIONS
Product: Mortgage

We are a restoration company and we did repairs for a homeowner after a fire. Their homeowners insurance carrier paid the claim and as usual the funds came in a check with the mortgage carrier named on the check. Selene Finance has been holding the funds for nearly 8 mos. and is refusing to pay out. We have complied with dozens of requests, repeatedly, submitting the same paperwork and the same authorizations. For 4 months now we have been stuck in a cycle of Selene saying we are not on as a third party to speak to. We submit the authorization again, and they ask for the entire package to be sent in, again. We comply, and they state that they need to speak to the Homeowner. We get the Homeowner to call, and they say they need to review, when we call back they start all over again stating we are not authorized as a third party. Each step and submission is a 4-6 day process, so each cycle is a month of constant work. 

The home owner was living with a burnt out kitchen so we did the repairs with the promise from Selene that we would be paid. Now they refuse. 

Selene is withholding an insurance settlement even though they acknowledge they had a 100 % inspection by their third party inspector and a certificate of completion from the homeowner.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
Kindly update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Mortgage

Sometime after XX/XX/2019, Freedom Mortgage switched addresses and began sending mail to XXXX XXXX XXXX, the property for which they hold the note. However, it has been clear from the time I applied for the mortgage that my address is XXXX XXXX XXXX. 
So, Freedom Mortgage sent an unknown number of documents to the wrong address, including monthly statements and forced insurance documents, and, most importantly, a poorly noticed change of address for future payments buried in the monthly statement. 
On XX/XX/XXXX, my bank dispatched a check to the XXXX payment center. Although Freedom Mortgage received the check they sent me a letter with the check attached later that month they declined to cash it. 
In late XXXX, I contacted Freedom Mortgage because the XXXX XXXX check had not been cashed, and only because I called was the mess of the company changing my address and mailing all documents to the wrong place untangled. I asked to have the late fee waived and was told that it would be, but was urged to allow FM direct access to my bank account. Because it seems stupid to allow access to a company that cant keep its internal processes working right, I declined to let them have at my checking account. Instead, I paid by check the next day ( XXXX XXXX XXXX day ) and the check was cashed within days. 
This month, I received a statement for a late fee of {$43.00} that does not say which payment was late. Only XXXX was late because of their internal errors. I have sent a check to cover the late fee so it doesnt spiral, but I want that late fee refunded.
Product: Money transfer, virtual currency, or money service

I am filing a complaint on Cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I attempted to finance a car but it was told to me that I had a open loan already in the system. I asked with whom I had this so called loan through and I was given the name of Pentagon Federal Credit Union. I contacted PFCU and sent all documents asked of me including the police report I filed the previous year do to my identity being stolen. PFCU replied a few weeks later stating that it was my loan and I was responsible for it. I tried to reach out to show that it wasn't possible for me to of opened the loan because I was XXXX do to a XXXX. I emailed all documents showing proof and still no response. The other fraud committed using my information was with XXXX XXXX. I have never used or obtained phone service with XXXX XXXX. I attempted to establish service with XXXX and was told I was delinquent with them already, I again sent in documents showing that my identity was stolen and the person/s who have it has been using it to open accounts in my name without any knowledge from me. I was again sent a letter stating that it was my account and I was responsible for the remaining balance. This was around XXXX oXXXX XXXX I also sent proof from XXXX which their investigators were able to determine that I didn't open an account with them through cameras so they took the negative account off of my credit report I don't understand why these other companies can not see I'm a victim of identity theft. Under XXXX5 US CODE 1681 this is action is illegal because this is a defamation to my character!
Product: Student loan

Today i called XXXX XXXX XXXX to see what my new monthly rate would be on the income based payment program. I was told months ago before i could reapply for this i had to make 3 consecutive monthly payments of {$170.00}. I made the 3 payments and submitted my paperwork for the application on XX/XX/XXXX. When i called a few days ago they told me that i should know something by the XXXX because my application is still processing. Today they told me that they would not be able let me get on the program because i did not make my payments on time. I said my payments were accepted and i asked were my payments considered late each and every payment. In fact, when i called back in XX/XX/XXXX of this year, the gentelman on the phone told me i actually paid my payments weeks in advance and i did not have a payment due XX/XX/XXXX. My previous payment covered my payments and i am in good standing nowhere near late. I was told 3 seperate peices of information. I was told my payments were never late, i am in fact qualified for the repayment plan and i was most recently told today XX/XX/XXXX that my payments i made of {$170.00} did not count because i didnt make them on time. Im extremely angry with XXXX XXXX XXXX with giving me false informatiom each time i called. In the past week i have called XXXX XXXX XXXX to check on my processing 4 times. This is extremely stressful and frustrating for me and i need this resolved immediately.
Product: Student loan

I have XXXX payments due to for total loan forgiveness through the XXXX program. However, I should already have met these payments as Mohela placed my account in an administrative hold in XXXX, XXXX and XXXX of 2023 and I was told that I could not make payments at that time, but it would still count towards XXXX. They are saying that that those XXXX months due not qualify now despite it saying differently in their recorded message. I have spent hours on hold with representatives and get different information from each representative. The latest was that Mohela was waiting for the government to do their final count then those XXXX months would count, and my loans would be forgiven. They asked that I continued to pay though despite knowing that I do not owe them money and could not give me a timeline for resolution. I begged for them to put me in a forbearance until they figured it all out, they refused. Randomly a month later I got a letter stating that I was in forbearance that is now accruing interest until XXXX with no explanation.
Product: Debt collection

Im seriously frustrated with both Portfolio Recovery and Experian because i feel like they violated many of my rights, and are working together to damage my character. They 're making it hard for me to become credit worthy by not following the FCRA & FCDPA guidelines. First they kept calling everyday, to the point i had to change my number, ive been disputing this account since XX/XX/2015, ive asked for them to validate the debt they claimed i owed, which they failed to do that three times, sending me identity theft forms instead of proof of validation. They continue to report the debt hurting my credit after i sent them XXXX letters, & disputed it with the credit bureaus. I want those XXXX accounts removed! They failed to validate the debt a long time ago, and continue to report it knowing that they 're violating the FCDPA. Remove these items now, or i will escalate all matters with my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX XXXX on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

XXXX : This bureau was contacted as well about the inquires and was told verified XXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report EXPERIAN : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted comenity bank in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.