23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax , Inc . Customer Data Security Breach Litigation U.S. District Court for the Northern District of Georgia ( Case No. XXXX ) Violation of Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$520.00} I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and Mississippi state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Experian to remove a closed account from my credit report. It is The Attorney General of Texas. Other credit bureaus are correctly reporting it as closed, which it is. I have provided proof of it being closed, and am providing it again here. 

Please help me get Experian to correctly report that this file is closed, and no balance is due. 

I am providing documentation from XXXX XXXX Court showing it is closed. I have provided this in the past. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

i am unable to get my report. i have tried multiple times but to no avail. i have also sent out mails requesting for my for my credit file and credit report.
Product: Consumer Loan

This is a complaint against EBAY and PAYPAL ( this XXXX is addressed to PAYPAL, another will be filed for PAYPAL ). I logged onto my EBAY account to purchase an item ( a watch ). 

I had previously set up a credit account with PAYPAL, for {$3700.00} in credit. 

The EBAY listing offered a payment plan beginning at {$55.00} for 24 months for PAYPAL CREDIT I decided to take advantage of these terms. I then clicked the radial that says " Commit to Purchase ''. When I was then brought to the payment screen, the financing opportunity was no longer available. Essentially, I was lured into committing to purchasing the item with credit terms, and then once I did commit, the credit terms were removed. I called EBAY and they said it was the fault of PAYPAL. I called PAYPAL and they said there was some type of security issue with my account and they would fix it. It was never fixed. I called EBAY this morning ( XXXX.2017 CST ) and was told that sometimes credit terms will be listed on items, when there is actually no credit terms available, but you do n't find out until you committed to purchase the item. The agent at EBAY was rude and acted like this was my fault. I do n't recall her name, but the code to get to her was XXXX. She did n't seem to realize the gravity of the situation. Meanwhile the seller opened a case against me for non-payment. I was forced to scramble to find an alternate means of paying. EBAY and PAYPAL have colluded to incent a customer to purchase an item with false terms. This is clearly a violation of UDAAP and likely other state consumer protection law.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a 605B deletion request to Equifax through CFPB complaint # XXXX. This request included all necessary documentation, such as a sworn crime report, proof of identity, and proof of address, to block fraudulent information from my credit report due to identity theft. However, as of today, no action has been taken on my request, which should have been processed within XXXX business days according to FCRA Section 605B. 

On XX/XX/XXXX, I called Equifax and spoke with Supervisor Sham ( Case # XXXX ) to follow up on the status of my 605B deletion request. I was informed that the dispute was still under investigation. On XX/XX/XXXX, I called again and spoke with Supervisor XXXX ( XXXX # XXXX ), who also told me that the investigation was ongoing. I reminded him that FCRA 605B mandates no further investigation is required from creditors once a sworn identity theft affidavit and supporting documentation are submitted. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX # XXXX ), who claimed to be the highest-level authority available to discuss my case. XXXX informed me that my 605B identity theft dispute could not be blocked, and I would need to wait for 30 days for the investigation to close. I explained that, per the law, the investigation should not be necessary for a 605B deletion request, but he said there was nothing more he could do.

This raises serious concerns about the handling of my 605B request, as I believe it is being improperly treated as a standard dispute rather than an identity theft deletion request, which should have been addressed within XXXX business days. Additionally, I believe this failure to act violates FCRA Section 605B. 

Furthermore, I have submitted complaints to credit reporting agencies ( CRAs ) regarding accounts that are the result of identity theft and should not be on my report. These accounts were allegedly " verified '' without any transparency regarding the sources used for verification. Under FCRA 611, I request that the CRAs provide the sources of information they relied upon in verifying these disputed accounts. If the CRAs can not produce valid sources, I demand that all contested items be removed from my credit report, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file this complaint not only with the CFPB about my issue with this dispute ; BUT also about how my issue has been handled. I have reached out to Transunion at least 15 times and they still have yet to understand the issue. I can tell you that my situation has not been taken seriously. I have been hung up on ; yelled at ; argued with and had my issue completely disregarded in a manner that has not just been condescending ; but just hurtful. I have explained to Transunion that this is my LIFE ; my situation. I clearly understand my rights ; however Transunion does not. I have uploaded documents into this portal ; overnighted them twice which cost money JUST to have Transunion tell me that " we have a retention process ''. Here is this situation again. 

I have a Chapter XXXX on my credit file. I have had it for 5 years ; it was dismissed shortly after filing because I noticed a ton of errors in the bankruptcy. I had it opened back up in court and FINALLY had the courts remove it from my file because it was wrong. I spoke with the furnisher ( XXXX ) and they have deleted it from my file with them ; as well as the court records. I have sent this information over to Transunion several times ; and uploaded through this portal as well JUST to make sure they have the 80+ page to add it to my credit file. I have called ; one rep told me she could see the docs, and another rep told me that she couldn't see the docs ; then ANOTHER rep told me she could see it and FINALLY the last rep told me he couldn't see them. I let him know that the docs were uploaded the first time to this portal ; they told me they didnt have them ; but they emailed me and told me they received them and they were investigating my dispute. After we went through this long conversation ; I was told that even if they received the docs ; it would be up to them to delete the bankruptcy. I told them that didnt make sense ; bc is the furnisher is no longer reporting this derogatory account that they credit reporting agency is supposed to remove it. He patronized me for about 20 minutes. This is my life. I have spent countless hours and LOTS of money fighting this bankruptcy. Please do the investigation properly. Or I will have no other choice to seek legal council and proceed with litigation against Transunion ; bc the other bureaus have had no problem following my request and just proceeding with the investigation. ALL OF THE DOCUMENTS HAVE BEEN SENT OVERNIGHT XX/XX/XXXX TO ARRIVE AGAIN ON XX/XX/XXXX
Product: Student loan

I am overwhelmed by my student loans, which have become unmanageable. I can not afford to make any payments, and I urgently need help to eliminate my entire balance. The delinquency on my loans has left me homeless and unable to secure a job, an apartment, or even a credit card. Daily harassment from credit agencies through emails and phone calls adds to my distress. I request your assistance in contacting XXXX XXXX  to understand why my loans are so high. I am exhausted from this situation and desperately seek to regain my freedom and stability. Please help me resolve this ordeal as soon as possible.
Product: Mortgage

I was transferred from XXXX XXXX by Mr. Cooper to XXXX subserviced by Mr. Cooper on XX/XX/XXXX. 

Prior to being transferred a payment I made to XXXX XXXX was not applied to my account correctly. I had sent the check info the XXXX XXXX and they were eventually able to get the matter resolved, but I was transferred to XXXX before the matter was fully resolved. XXXX shows the payment was made but is still charging me the invalid late fee from XXXX XXXX even though on the XXXX XXXX side they have credited the late fee back. 

I tried to get XXXX to resolve this, but they refused to try, stating that the information they had was correct and that they would not contact XXXX XXXX to resolve the issue. I was unable to contact XXXX XXXX directly as when I called them it recognized my phone number and transferred my call to XXXX automatically. 

on XXXX  XX/XX/XXXX I called between XXXX PM XXXX, and spoke with a man whose identifier was XXXX. He refused to assist me, and only argued that I did own a late fee because it came that way from XXXX XXXX. I continued to explain the situation to him, but he refused to help. I explained the situation where I was being charge an incorrect fee several times, but he just kept refusing to do anything to assist.
Product: Credit card

I am getting sick and tired and getting billed this bogus interest and I am giving you one more opportunity of getting rid of my debt. I have paid every part of that ring you are charging me wrong intertest fees and if you refuse to remove this time I will do it takes to fight fight and fight and I will even consider legal action all these are bogus charges and you have gotten every dollar for that ring all this left wrong interest fees so I am going to be nice and give you one last change to credit me and remove or else I am taking this legally and through abratation if you fail to comply this time.
Product: Mortgage

loan modification agreement accepted by me on  XXXX / XXXX /  XXXX   indicated in part, the amount of the new loan balance stated that my first payment was to be made  XXXX / XXXX /  XXXX  . however, I had until the end of  XXXX  to make the first payment. I was shocked to learn that my house has bee  n foreclosed as for eight months i relied on the bank representation that the  foreclosure action would terminated once I completed the trial modification and accepted the per manent Loan Modification Agreement. Bank continually assured me that nothing will happen with the foreclosure action while I was completing the trail mod ification.
Product: Student loan

I requested a deferment on my loans due to the COVID-19 pandemic. Since this has brought on extreme financial hardship to me. My expenses have increased and it has affected my budget. The loan company AES has denied my request for forbearance.
Product: Credit card or prepaid card

As of XX/XX/22 my wells fargo credit card ending in XXXX was brought current. However, Wells Fargo is still reporting a past due balance of {$1500.00} to the credit bureaus. Since XX/XX/XXXX I have made additional payments to which the current balance is now {$720.00}. 

The current information on all 3 of my credit reports is inaccurate. This account is not longer past due and currently has a balance of {$720.00}. 

Wells Fargo Credit Card ending in XXXX Last four of my social security number are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and XX/XX/XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XX/XX/XXXX doesnt report anything while XXXX and equifax reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? Equifax says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XX/XX/XXXX has incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Comments are all different. Date last active all differ XX/XX/XXXX incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Last payment all differ XX/XX/XXXX incompleteness XXXX incompleteness and equifax has XX/XX/XXXX. 
Second XX/XX/XXXX XX/XX/XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished inaccurate information!!!!!
Product: Mortgage

I have 3 mortgages with Caliber Home Loans, XXXX XXXX XXXX XXXX, OK XXXX. 
The website and telephone system is unfriendly to me as a consumer, and difficult to navigate. I've tried several times to set up my payments as biweekly ACH autopay, and have been unable to do this because their system requires that I am ahead 2 months in my payments, AND that the next payment is due. So there is a narrow window of a few days in which to accomplish this, ( both after I've paid and after I wait until the next payment is due. ) This can only happen if I pay online, with an extra charge for online payment, and its still difficult times correctly. 
Whether an account is on ACH autopay is not reflected anywhere on my printed statements, or in any of the account details on the account website. ( Autopay accounts I have with other companies will say on the statement " Do Not Pay - Auto Pay. ) The only way I can check this is to telephone a representative and ask. There is always a very long wait through many prompts before I can speak to a representative, and the Caliber phone system is only available Mon-Fri XXXX to XXXX XXXX, Central time, inconvenient for me, as I live on the west coast. 
When I finally get to a representative, they are always helpful and professional, but the Caliber Company has not invested in a user friendly website, which would probably actually save them money in fewer calls to their reps.
Product: Mortgage

Hi, I recently came across an article regarding Wells Fargo and how they defrauded consumers regarding their mortgage and I wanted to make sure my foreclosure ( case ) was included. 

I purchased a home in XXXX of XXXX in the city of XXXX Texas and Wells Fargo was who handled my loan a few years later I lost my job and was unable to make my payments. About XXXX  months later I returned to work and contacted Wells Fargo to work with me on a modification to my mortgage. They refused to work with me and told me my only option was to pay the overdue amount in full which was greater than XXXX} at that time. Unable to come up with that sun of money I had no option but to leave my home and Wells Fargo foreclosed on my home. 

Needless to say I had to suffer the aftermath of having a foreclosure on my credit for years and unable to buy a new home. 

Now with the news of Wells Fargo being found guilty of malpractice I feel like I was a direct visit run of these practices. Please see if I am due any monies due to their handling of my mortgage account. 

Please note I no longer live at this home and this account was foreclosed on in XXXX. I no longer have the loan or account number. I can provide my social security number if needed. I did provide the home address so I simple search should locate this account. 

For any additional info please contact me. 

Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX, 2017 I have been in contact with all three major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all three bureaus had a glitch were unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, ( Original Creditor : ) # XXXX, XXXX # 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 was a victim of fraud XX/XX/2023 I reported it. The bank expedited me a new card and as soon as I received the card they closed my account and I were unable to activate it and when I called the bank I am getting the same read scriptures on their computer telling me to wait for a letter and 30-60 days for them to mail a check out Im sorry I am a single mother of XXXX and who now is facing an eviction. I need this case escalated the fasted way possible
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I referred my friend to apply the AMEX Gold Delta SkyMiles credit card through the link on my account page online. The referral bonus was XXXX miles. Usually the bonus would arrive in several days but I had not received until XX/XX/XXXX so I contact the AMEX representative online and was told it might take 6-8 weeks to get the bonus. I referred another friend in XX/XX/XXXX and got the referral bonus XXXX miles quickly this time. From last XX/XX/XXXX to this XX/XX/XXXX I contact AMEX representatives online for many times and each time I was told to wait for 6-8 weeks until they would finish the investigation. However when I contact them again today, I was told my reffer bonus offer was not XXXX miles but was XXXX miles per referral! Because I received XXXX miles already so that I would not get any more! I can't believe they told me this! During previous contact online I told the representatives my offer and I also copied the offer from my acount page it was XXXX miles from last XX/XX/XXXX to XX/XX/XXXX. I also told I thought the XXXX miles I got in last XX/XX/XXXX was for my referal in XX/XX/XXXX because my friend applied the card in XX/XX/XXXX got her open account bonus but the one applied in XX/XX/XXXX did not get his open account bonus either! Many of my other friends got the same bonus after they referred successfully from the end of last XX/XX/XXXX to this XX/XX/XXXX. I have been wating for about 5 months and because the refer bonus is not XXXX now that they said my refer offer was always XXXX. I can't trust them any more. That's why I ask CFPB for help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Debt collection

Hey, I have no knowledge or did business with this company. This company is trying to collect debt not owed, this company is attempting fruad. The original credit account is paid and closed! I send a validation letter on XX/XX/2023 via mail. I didnt receive a validation letter back from this company all I received was and copy of rental agreement from original creditor. Can you stop this company that I never did business with to stop furnishing inaccurate information on my consumer report. Next step lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. Debt Recovery Solutions is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.