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

It is incredibly difficult to manage a security freeze with Equifax. My experience is not uncommon, as a quick XXXX search reveals. The web interface unhelpfully yields, " We are temporarily unable to complete this request. Please try again later. '' Instead, I am forced to call Equifax and use the automated phone system to manage the security freeze. However, even after correctly providing the required information and answering security questions, the system unhelpfully informs you that it is unable to assist you. It suggests managing the freeze via fax, mail, and ends with an option to speak with a representative. Finally, after wasting time with the automated system, the representative is able to assist with managing the security freeze. Afterwards, the representative tries to sell me services. 

This problem does not exist with XXXX  or XXXX. I am able to easily manage security freezes online with both of those credit bureaus.
Product: Credit reporting or other personal consumer reports

Ive sent multiple rounds of letters through the three credit bureaus regarding my capital one accounts because I do not remember having these late payments and believe them to be inaccurate. Further, the reporting of these late payments is different between the three bureaus and was changed by date since I made my dispute. Not removed, but the months noted as late were simply switched.

I sent letters disputing these late payments on : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 The bureaus reported that the information was investigated and found accurate, but I have requested proof of method of investigation and and not received this material. 

XXXX XXXX is currently being sued by XXXX for reporting incorrect payments due to their internal system delaying payment received by customers who make their payments on time this is a widespread problem within the XXXX XXXX system. 

Please reference the case here : XXXX XXXX XXXX Knowing that this company is falsely reporting late payments in a way that is so widespread, a national company is suing them, only further validates my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection which I paid and I was promise to have the account to be deleted as of today they account will open and reporting wrong.
Product: Checking or savings account

Direct deposit submitted by my employer on Wednesday XX/XX/year>. Usually arrives by XXXX XXXX. Upon checking my account, capital one app balance not available. I then waited until the next business day. Still nothing has been said or received. Late XXXX the app says it is having technical issues. XXXX is XXXX XXXXXX/XX/year> and still have not received my deposit. I have bills that are not being paid along with other expenses that I can not handle because of this. I want to know what options are available to sue for damages.
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. 

List of Unauthorized Inquiries : XXXX XXXX  - XXXX 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: Credit reporting or other personal consumer reports

I AM A XXXX XXXX XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Debt collection

I received no communication from this company. No phone call, no letter, no email, nothing. But it appeared on my credit report as a derogatory account on XX/XX/2022 for {$2600.00}. This debt is being reported by this company now and the original company, also. So it looks as if it is two different debts for the exact same amount.
Product: Debt collection

I was notified on XX/XX/XXXX by my credit monitoring service that my credit score dropped XXXX points ( my score was XXXX ) due to a collection being added by Paragon Revenue. I called the collection agent ( XXXX XXXX and she stated the debt was for XXXX XXXX XXXX XXXX XXXX. I told her the exact date of my payment XX/XX/XXXX and she advised she could see the payment however she could not remove the debt. I requested proof of outstanding debt which she would not provide. I went to the atrium website and confirmed I have no balance due. I
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card

I told Citi Bank one of the XXXX charges for XXXX XXXX XXXX on my account was a fraud in XXXX 2015. Citi fixed that issue very quickly but than the next XXXX months when I paid my XXXX XXXX XXXX account for XXXX and XXXX, in XXXX Citi unauthorized those transactions thinking that is fraud. When I called them and asked them why would they do that, they said I mentioned that the XXXX charge for XXXX XXXX XXXX I said was fraud because I closed my account with XXXX XXXX XXXX. Which was not true at all. Now XXXX XXXX XXXX charged me for late fees and put a hold on my account for XXXX months since XXXX months transactions were unauthorized the same day. If the first XXXX was unauthorized immediately I would have known and resolved the issue between these XXXX big companies, but neither of them are helping me out. 
I would like Citi to refund me for the late payment charges I paid to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and ask for the hold to be taken off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit XXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

about 2 months ago i applied to get my credit report and I haven't received any respond from TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I tried to get a free credit report from Equifax. I completed everything on the form and then it said that it could not supply and that I needed to call an eight hundred *** number. My problem ( always ) is that my hearing is profound and I can not use a phone. So I can not get my free report? That is discrimination to XXXX senior citizens. Something is wrong with Equifax
Product: Debt collection

Hello CFPB, Thank you for assisting us, the borrowing public, with our credit and finance matters in dealing with the notorious consumer-law breaking credit reporting agencies, debt collectors and creditors. They so blatantly violate the consumer-protection laws and rules. All of the above entities are rascals and must be reigned in. 

My complaint is with debt collector CBE GROUP of XXXX XXXX, Iowa. I had disputed this debt in the amount of {$210.00} about 9 months ago with XXXX XXXX XXXX XXXX of XXXX XXXX, Minnesota who deleted the negative remark after I had complained to the credit reporting agencies for lack of response from XXXX XXXX XXXX XXXX  Then, The creditor or XXXX XXXX XXXX sold it to the present debt collector, XXXX XXXX as it was not collectible due to its invalid status. Fortunately, this negative remark is only on my XXXX  credit profile. 

I have herewith attached a copy of my dispute letter addressed to the original debt collector, XXXX XXXX XXXX XXXXXXXX, and to which they failed to reply. 

Please contact the debt collection firm, CBE GROUP and request them to remove the derogative because it is interfering with my ability to get ahead financially.

Also, please advise the debt collectors, in somewhat harsh language, to behave and align with the consumer-protection laws.

Again, thank you very much CFPB staff for the good work you are all doing at the CFPB.
Product: Credit card or prepaid card

I have a Bank of America Premium Rewards credit card. One of its rewards is the XXXX Incidental Statement Credit which provides an annual statement credit of up to {$100.00} for qualifying transactions, which include purchases of onboard food and beverage on domestic-airline, domestic-originated flights ( see attached terms & conditions ). 

On XX/XX/20 I purchased {$18.00} worth of food aboard a XXXX flight from XXXX. Although this is a qualifying transaction and I did not reach my annual limit, Bank of America XXXX BoA XXXX did not offer a statement credit. I opened case # XXXX with BoA in XXXX and their investigation found that XXXX had used the wrong XXXX code, which made the transaction ineligible. ( The merchant name was XXXX XXXX XXXX, which is clearly incorrect as we were in flight and no food is even offered at the gate. ) BoA has acknowledged that this should have been an eligible transaction but it refuses to remedy this issue with XXXX who is its partner, not mine. A BoA representative even informed me that another customer was in the same exact situation. It is impossible for me to go back to XXXX and find the in-flight merchant to re-process the transaction with the right XXXX code, this is a systems-level programming error. Im requesting that BoA resolve this issue with XXXX and offer me a full {$18.00} statement credit.
Product: Credit reporting or other personal consumer reports

A small claims lawsuit has been filed by XXXX XXXX XXXX against XXXX, XXXX, and Experian credit bureaus. The lawsuit alleges that these credit services have been reporting inaccurate information, compromising XXXX XXXX XXXXXXXX XXXX  credit profile due to fraud. Despite multiple notifications to the credit services, the necessary corrections have not been made. This notice serves as an attempt to settle the issue of the misreported information. Failure to update the credit profile appropriately may result in the continuation of the lawsuit to seek damages from all three credit bureaus. This letter provides an opportunity to rectify the errors, and it will also be presented as evidence in the lawsuit. Thank you. 

accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After my credit report was pulled I have received 39 solicitation calls from mortgage companies in a 4 hour period. I am on the Do Not Call list. My information was provided as having been applying for a mortgage and my information is being sold by the credit bureaus to mortgage companies. 
When I ask who they are and how they got my info they hang up. 
These calls all came between XXXX XXXX and XXXX this morning XX/XX/2023. This practice needs to be stopped. The one caller stated he got my info from Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

I went through a divorce back in 2000 in which the judge ordered our home split and sold. My ex then fraudulently got a default status only divorce with the financial portion to be bi furcated. It took me years to even understand what had happened and it never went to court for the financial portion to be split regarding all of the buildings we owned. I could never get an attorney to take my case because when they saw how badly I had been hard done by, and by whom, they didnt want to touch it. Besides I had no money at this point. My ex then lied to the Judge and told him that I was holding up the process. I went to court to defend myself but because of the lies accusations the judge was not on my side and told me to sign off of my house or be in contempt. But when I signed I said that I was signing under duress. My ex became very ill and he had to sell the house so he had his daughter who is a realtor, sell our home and never gave me my share of the equity.
Product: Money transfer, virtual currency, or money service

Citizensbank has charged me {$490.00} in overdraft fees, by minipulating my account, double charges, and holding checks and deposites. I have opted out of " overdraft protection '', and take frequent screen shots of my account to document their illegal practices./
Product: Credit reporting or other personal consumer reports

Hello and good day, please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

walmart has processed a derogatory status on my account.this process is illegal as they have been paid negative for months.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry nor do I have any association with those listed creditors.
Product: Money transfer, virtual currency, or money service

CashApp has issued a XXXX saying I earned income in XXXX. I did not receive any payments through cashapp in XXXX. I only used the service to send money. 

First they bounced me back and forth between support for CashApp and CashAppXXXX 

Now they just keep asking me to correct my tax info and to upload statements from my business banking account. 

I have replied multiple times that I do not have a cash app business account. I do not own a business. I do not have a business banking account. 

Anecdotal stories online and in the media indicate this is a wide spread problem. 

I am under the belief that they may be money laundering through individual accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to rectify the situation and supported documents, XXXX refuses to change to report. Most of which have " ND '' which means NO DATA?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and it said I had a new hard inquiry from XX/XX/XXXX. However, I have not given permission for anyone from this institution to do a hard inquiry into my credit report. I would've contacted them but I have no information into it. I looked them up and don't know any service they provide that I would've even considered giving my permission to. Below is exactly what was in my report. 

" XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. ''
Product: Debt collection

I took out a loan over XXXX years ago. It was for XXXX. I divorced and moved and couldnt pay the monthly payments. I never received any bills so I assumed it was a closed case. Suddenly I receive XXXX years later a court order to appear in court because of this debt. I emailed the lawyer that I could not attend that date because we had a wedding out of town and already bought the tickets. I didn't hear anything and then yesterday my husband and I saw all our bank accounts at Bank of America were frozen. We had no money available to us. They froze over XXXX. This included my husband 's wages and he is head of household. They also froze an account where I had money saved for my XXXX financial aid. This was to buy books for an upcoming term. We had no money, it was a Friday evening, and we have XXXX children. XXXX is an infant. I couldn't even go to the store to buy her milk. How can they do that? They froze all accounts, exceeding the XXXX XXXX we owed, taking my husband full wages when he the head of household. He also couldnt pay his child support from a previous relationship. Please help us get the money they took and unfreeze our accounts. We seriously have no money t live on. Case number XXXX. XXXX XXXX- it was issued by XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.
Product: Credit reporting

I am disputing hard inquires on my credit report because this is fraud and does not belong to me.
Product: Debt collection

This is the number I received and my husband received on his phone from Oracle Financial in New York. XXXX.a man by the name XXXX XXXX he stated. He was going to have me arrested if I did not go in to XXXX XXXX Friday XX/XX/XXXX to pay on my now XXXX pay day loan. He said I frauded them when I took put the loan. I had an account and money going into it. I called back and he did not answer, so I left him a message I would be in Friday with XXXX dollars and XX/XX/XXXX with a XXXX.and pay it off in XX/XX/XXXX. I also told him it was a recorded phone call on my phone and also he was violating the FDCPA by threatening me of being arrested. He said that on his end on the call we received the warrant would be issued this weekend if I did not pay.