23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

During a period I was XXXX  my phone was stolen which all my financial information was stored in and used for a number of unauthorized transactions. I tried to resolve the matter by calling the merchants in which they advised me to contact. My financial institution. I found a formal dispute will navy federal then then after the investigation I filed several appeals but still wasn't granted a refund. Due to the matter it placed me in a real bad financial hardship situation. The dates and times that is took place are as follows : XX/XX/22 The Amount of {$13.00} XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$440.00}, XX/XX/22 the amount of {$2.00}, XX/XX/22 the amount of {$14.00}, XX/XX/22 the amount of {$18.00}! XX/XX/22 the amount of {$230.00}, XX/XX/22 the amount of {$390.00}! XX/XX/22 the amount of {$260.00}, XX/XX/22 the amount of {$17.00}, XX/XX/22 the amount of {$18.00}, XX/XX/22 the Amount of {$35.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$16.00}, XX/XX/22 the amount of {$20.00}, XX/XX/22 the amount of {$40.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of {$69.00}, XX/XX/22 the amount of a {$130.00}, XX/XX/22 the amount of {$180.00}, XX/XX/22 the amount of {$350.00}, XX/XX/22 the amount of {$18.00}, On XX/XX/22 the amount of {$71.00}, XX/XX/22 the amount of {$11.00}, XX/XX/22 the amount of {$110.00} on XX/XX/22, the amount of {$400.00}, On XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$200.00}, on XX/XX/22 the amount of {$10.00}, On XX/XX/22 the amount Of {$1.00}, On XX/XX/22 the amount of {$980.00}, on XX/XX/22 the amount of {$24.00} on XX/XX/22 {$23.00}, XX/XX/22 the amount of {$1.00} on XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$4.00}, XX/XX/22 the amount of {$16.00} XX/XX/22 the amount of {$27.00}, XX/XX/22 the amount of {$80.00} these dates and amounts reflects 2 different checking accounts both within Navy Federal. Acct # XXXX and acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from JPMCB from XX/XX/2019. I did not apply for any new credit around that time nor did i authorize for anyone to run an inquiry. I have never done business with JPMCB and have written the company directly on several occasions to remedy to situation, they have failed to respond. When i call customer service they require this in writing.
Product: Mortgage

We elected to utilize the COVID Forbearance Plan provided by our lender Freedom Mortgage. Once the inititial 6 month forbearance term ended, arrangements were being made for repayment of the missed payments. However, prior to repayment terms being agreed upon, Freedom Mortgage made a change to our payment by adding an additional {$500.00} to our monthly mortgage payment and reported it to the credit bureau 's which was not allowed by the COVID-19 Mortgage Relief campaign for FHA loans. Freedom Mortgage has admitted that it was an error, but has offered no remedy to fix the negative report to our credit profiles. My wife and I both have incurred a negative loss to our credit scores of XXXX points as a result of this neglegent report submitted by Freedom Mortgage Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account number XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notices to XXXX, Transunion, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.
Product: Credit reporting or other personal consumer reports

[ 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 ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint of FCRA Violations and Cease and Desist Request To Whom It May Concern, I am writing to formally lodge a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) as it pertains to the improper handling and reporting of my credit file by Equifax. 

On XX/XX/2024, I received three correspondences from Equifax related to identity theft, which requested documentation to validate my identity. These correspondences were sent to my correct address at XXXX XXXX XXXX XXXX. In compliance with your requests, I have provided the necessary documentation several times over the past three months. The documents submitted include, but are not limited to : 1. Short and long form birth certificates 2. W-2 forms displaying my complete Social Security Number 3. Recent pay stubs 4. Georgia rental lease containing my current address 5. Georgia identification card Despite my repeated and timely submissions of these documents, Equifax has made no significant progress in updating my credit file to reflect the verified information. This ongoing pattern of hindering and delaying the accurate reporting of my credit information is highly concerning and indicative of egregious mishandling. 

I have not encountered such malicious resistance from XXXX or any other credit reporting agency. My requests to Equifax have gone unanswered, and the situation has only escalated. It is important to note that a Federal Trade Commission ( FTC ) fraud alert was placed on all my credit files in XXXX. Since then, instead of addressing the issue responsibly, Equifax has renewed its efforts to evade accountability for the FCRA violations that have been committed against me. 

Additionally, I wish to highlight that Equifax has enabled and allowed fraudulent companies to report inaccurate information on my credit file, constituting violations of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand the following : 1. An immediate cessation of all improper handling of my credit file.

2. The removal of any inaccurate or unverified information reported by Equifax.

3. A thorough investigation ; into the current, not new investigation, into my identity theft claims based on the documentation I have provided.

4. Updated and accurate reporting on my credit file reflecting the verified information I have submitted.

If these demands are not met promptly, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau and seek legal counsel to protect my rights under the law. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

There was an incident about a year ago when my Coinbase account was compromised. I called them and had them freeze my account. Nothing was lost. 
earlier this year I had them unfreeze my account so I could login again. Everything was in order with XXXX exception. I could deposit funds, but all withdrawals and transactions were restricted with no explanation. 
Months later and it's still exactly the same. 
I have spent countless hours with their support people on chat to no avail. My account is still restricted and I can not move any funds out of the account. Coinbase gives me no feedback as to when the restriction will be removed. I have provided them my photo, my photo ID, and all the other information they have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all 3 major credit bureaus and they were closed without comment.

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at.

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..
Product: Debt collection

I get calls from unknown number asking me to verify my information. I requested to know who is calling and regarding what. They would not give me information without verifying my personal information. The first person who called by the name of XXXX XXXX claims to be calling from the XXXX county office she states that there is a case filed against my daughter and are attempting to serve papers. They asked me to call XXXX and ref # XXXX. I called this number and asked what business is this they said XXXX XXXX they are talking about a debt which I owe Jared Jewelers {$300.00}. I informed them I have not received any communication can you send me the information by mail which they are refusing and stated that the matter needs to be resolved within the next hour and over the phone by paying {$890.00} or making payment arrangements of XXXX installments of {$310.00} or they would file a case. this i was informed by XXXX XXXX XXXX 's when I called over the phone to get further information. They are refusing to give their organization address or to send proper information regarding the debt. On this same debt we had threatening callings before a year back and now they have started again. They said we will serve the notice at my daughter 's work place. Which this information was not provided to them. They call blocking their numbers and leave messages. This debt does not even show on my credit report. Need your help I feel I am getting scammed by this people. The harassment needs to stop. 

The original creditor contacted me when I was behind and I explained the situation at that time I was going through. After that the original creditor never contacted me.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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: Vehicle loan or lease

RECENTLY BOUGHT A CAR FROM CARMART, THEY INDICATED THAT I WILL NEED A GUARNTOR TO SIGN NOTE. THE GUARANTOR WAS MY XXXX DAD, WHOM IS XXXX CAME IN AND WAS TOLD BE MANAGER THAT THIS LOAN WILL NOT BE REPORTING TO XXXX IN MY DADS NAME OR CREDIT. I FEW WEEK LATER THEY APPEARED ON XXXX FOR XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The initial investigation conducted by Equifax was not in accordance with 15 U.S.C. 1681 ( a ) ( e ), which defines an investigative consumer report. Specifically, the FCRA requires that consumer reports based on an investigative report must include information gathered through personal interviews with individuals such as neighbors, friends, or associates. However, I believe that the investigation into my dispute did not follow these procedures, and I have not been provided with sufficient documentation supporting the investigation process.

In addition, I would like to reference a CFPB finding regarding Equifaxs violation of the FCRAs requirements for investigating and processing consumer disputes. According to the CFPB, Equifax : Failed to thoroughly investigate consumer disputes : Equifaxs dispute process limited consumers ability to fully describe their disputes, often failing to consider relevant information submitted by consumers or ignoring contradictory evidence in the furnishers response. 
Failed to prevent previously deleted errors from reappearing : Equifax lacked systems to block previously removed information from being re-reported, which harmed consumers who were forced to send repeated disputes due to unresolved or recurring inaccuracies. 
Put inaccurate data and identity theft-related information on consumer reports : Equifax failed to detect or block information tied to identity theft and incorrectly reported inaccurate credit data.

These findings indicate that Equifax has employed similarly flawed processes that were not in compliance with the FCRA, including the failure to conduct a thorough and fair investigation of my dispute. I request that the CFPB to compel Equifax to follow the required procedures for investigating my dispute, and I respectfully ask for a reinvestigation into the disputed late payment entries. I have included Equifax 's response previously which indicates Equifax confirmed it's findings with the creditor ( XXXX XXXX ) and this is a direct violation of 15 U.S.C. 1681 ( a ) ( e ). Please see attached supporting documents.
Product: Checking or savings account

Hello, My account was opened with CITIZENS BANK online this year. In XXXX my account was freezed randomly on a Friday morning. I have tried to give any extra verification to unfreeze account. I have went to brand as told, and was given no information on my account. My funds are still in the account for months now. I am a single mother of XXXX. I am now behind on my rent due to this situation. The bank has not helped at all, every time I speak with them they say different things as if no one is exactly clear why its still frozen. I was told the account would be closed, and I would be receiving a check with my remaining balance, and I still have not received anything. It has been way too long now. They gave me a contact number to reach their fraud department which the branch tried contacting as well with no answer or call back to branch or myself for months. I feel this is illegal to hold onto my funds, it has been so long I no longer want the account anymore, I just need my funds returned. If your company is able to help me out in anyway possible I would greatly appreciate it. 

Thank you, XXXX XXXX XXXX XXXX
Product: Student loan

I applied to return in school in XX/XX/2018, I was advised by finance dept that i had a loan in default I have had student loans for many of years and i have always keep them in good standing i did not understand what was happening I researches NDSL and saw that a federal perkins loan for the amount of {$150.00} was deffered i called numerous places including XXXX they were very rude and stated i would have to pay the money i advised that I never attended the class i advised it was a online and i dropped she stated that they dropped me and i was charged for the full class. they then advised me i needed to call XXXX I spoke to them and they said I now owe {$220.00} i explained I was never advised of this they said it was nothing they could do he gave me information to apply for a forbearance and how to consolidate my loan i first tried to do a forbearance they just had a form did not state that any document were required i filled it out and submitted i got a email advising it was rec 'd after 7 days no response i called XXXX they said i was denied because i did not submit a check stub. i asked why was i not advised of this i got no response and was told to resubmit with check stub, again i got no response i called again a rep placed me on hold and told me i was not in default and they would have to clear my account it will take a few days i called back again 5 days later and was advised the same thing she told me to watch my email. i never got a email so i emailed them. they responded statingmy account was not in dafault it just accerlerated which means it is only past due but not in collections that my account is under a full defferal and i wont have to pay until XX/XX/2018 i sent another email on XX/XX/18 asking for a good standing letter so that i can proceed with school. i then got a reply from XXXX stating that they can not give me a clearance letter because the account is past due that i have a gap in the account from XXXX i sent a reply which they never respomded to asking why each time i call or email i am advised something totally different i also send the email in which they sent telling me my account was clear. i also advised that since i was not sure how they were going to handle my account I consilodated my loans and included this perkins amount I advised that they rec ; d that info as well and should be able to send my clearance letter i still have not gotten a response. I would like to know if there is anything that can be done at this point i think they are attempting to do what ever they can to avoid me from going back to school what ever complaint i can file to get then to release my letter and clear my account i would like to do
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner.
Product: Credit card or prepaid card

On XXXX I was late paying my capital one bill and was charged a XXXX late fee, which I was fine with. I paid on XXXX the XXXX payment. Then, on XXXX I paid the balance in full of XXXX. That same day, XXXX, they charged me interest of XXXX for a balance that was paid in full that morning. I called capital one and wanted them to remove the interest balance of XXXX but, they said that they would not remove the balance. So, on XXXX I paid the XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Student loan

I feel I have been given inaccurate information on my account. I do n't agree with the fees that they charge. I struggle to pay on occasions. I feel like this loan should have been forgiven, because of the circumstances of my leave from college. My daughter was diagnosed with XXXX and I had to take a permanent leave from school to take care of her situation at XXXX XXXX in Tennessee. I have tried to work with the company a numerous amount of times, every telephone representative tells me different things. Some say they could readjust my payment and other say there is nothing they can do. All in all, I feel very frustrated and stressed about it.
Product: Credit reporting or other personal consumer reports

This account is showing as open with a XXXX dollar past due despite them being paid out in full by XXXX  in XXXX XXXX  XXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX  , I issued a check #  XXXX  in the sum of {$900.00} from my checking account with Chase Bank, Acct No.  XXXX .   On  XXXX   XXXX ,   XXXX  , I contacted Chase Bank by phone to inquire if I could stop payment on that check. I was told that the check was still pending and that I could place a stop payment which I did. A fee in the sum of {$30.00} was charged and deducted from my account. I was advised that the check would not be paid for one year and would need to be renewed thereafter.   On  XXXX   XXXX ,   XXXX  , I visited the Chase Bank  Branch l ocated at  XXXX   XXXX   XXXX  in  XXXX , NJ, and requested proof that payment of aforementioned check was stooped. I was assured that stop payment transaction was in effect, and was given a printed statement confirming that.  Two hour s latter, I visited the branch again and was assured again that check #  XXXX  would not be paid. The account statement of  XXXX   XXXX ,  XXXX , and a receipt of the same day indicating the balance of my account are attached herewith.   On  XXXX   XXXX ,   XXXX  , I found out that check  XXXX  on which a stop payment was issued on  XXXX   XXXX ,   XXXX  , was paid on  XXXX   XXXX    XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Management XXXX They have called me 8 times this week. 
Monday XX/XX/XXXX XXXX Tuesday XX/XX/XXXX XXXX Wednesday XX/XX/XXXX XXXX 2 times-immediately so it looks like the same time Thursday XX/XX/XXXX XXXX, XXXX Friday XX/XX/XXXX XXXX, 2 times-immediately so it looks like the same time I have never once been late on a bill of any kind and have perfect credit. They have me linked to an account that is not mine. 

I called them back as my phone carrier auto blocks them and asked them why they were harassing me. They asked if my name was XXXX XXXX. I said no and that this had been my phone number since XXXX with the same carrier. They hung up on me.