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

I previously submitted this complaint ( ID XXXX ) : " Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. '' The response I got from Equifax was : " Thank you for submitting your complaint through the CFPB Complaint Portal. Please be advised no specific dates were provided regarding your date range lift. As as result, Equifax has lifted your Security Freeze for 15 days, commencing on the date of this letter. If you would like to shorten or lenghten the 15 day timeframe given. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products. '' As you can see the company did not address my complaint at all. I was not asking for my credit freeze to be lifted. I am asking to be able to log into my account. They then suggest I can create an account, however as my complaint stated I already have an account and am being denied the ability to log in. 

To be clear : I need access to log into my account. I DO NOT need a freeze adjusted.
Product: Mortgage

I want to file an application for a special forbearance for my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1900.00}, {$6000.00}, {$2900.00}, {$3500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$640.00}, {$800.00}, {$1600.00}, {$4000.00}, {$6300.00}, {$2600.00}, {$3300.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 
-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

15. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 an account without my written instructions. ''
Product: Mortgage

I went through a loan modification with Wells Fargo, they stated to me that for me to get this loan modification I need to not submit mortgage payments, and I told them that I want to continue to submit mortgage payments because I did not want the missed payments to affect my credit score. They assured me that it would have no affect to my credit score and that because I was being qualified to receive a loan modification I was safe and nothing will be reported to the Credit Bureaus. Now I have 5 delinquent payments on behalf of Wells Fargo showing up on my credit score and I will like them to be removed.
Product: Money transfers

XXXX XXXX XXXX XXXX XXXX wired {$250000.00} on XXXX through our bank : Bank of the West to XXXX XXXX Bank in XXXX XXXX XXXX, Ut through their bank : XXXX XXXX Bank, XXXX XXXX XXXX, CA. 
XXXX XXXX Bank did not receive the funds. Our Bank : Bank of the West put a tracer on the wire twice - No response XXXX. 
On XXXX XXXX finally admitted that they deposited the funds into someone else 's account XXXX their account number matched our tax id # XXXX XXXX 's account number was clearly identified on the wire. 
On XXXX XXXX told XXXX Bank that they had to contact the branch that had the wrong account and for them to contact the customer and ASK FOR THE MONEY BACK!!!! 
On XXXX XXXX told Bank of the West to recall the wire, which they did. 
Today - WE STILL DO NOT HAVE OUR {$250000.00}!!!!!!!!! 

Please help. I can be contacted at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and XXXX its been 5 months nothing done still
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT! These student loans must be removed from my credit report immediately. 


U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX
Product: Debt collection

Through XXXX XXXX XXXX XXXX from XXXX XXXX XXXX I learned that my credit score dropped due to potentially negative/derogatory action that appeared on my credit reports from the XXXX major credit bureaus. I found that on XX/XX/year>, a collection agency ( Credit Management LP  ) issued a debt collection action on my credit report. The debt was for {$93.00}. 

WIth the help of XXXX XXXX, we jointly contacted XXXX XXXX XXXX ( via a conference call ). The debt for {$93.00} was for XXXX XXXX. My name and social security number was connected to the debtor. But the address was on XXXX XXXX XXXX XXXX XXXX. I informed Credit Management LP that I never purchased any product or service from XXXX XXXX in my life... and I have never resided on XXXX XXXX in XXXX. 

They said they would investigate. But they said they could not initiate the investigation without a copy of my social security card -- which I will not provide to them under any circumstance.
Product: Credit reporting or other personal consumer reports

I have a lot of inquiries I didnt authorize And I dont know why thy put my information public. I didnt authorize that
Product: Credit reporting or other personal consumer reports

I dont recognize the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a promo for XXXX  % on purchase of {$860.00} from XX/XX/XXXX until XX/XX/XXXX. 
I believed I had paid off the balance but upon checking I was charged deferred interest. I had tried several times messaging the company and then called on XX/XX/XXXX to try and explain I was charged too much interest. My call was dismissed and was told there was nothing I could do about the interest charges. I recalculated my statements and believe I should be subject to interest on a balance of {$180.00} at the time of XX/XX/XXXX. However, I was charged interest based on a balance of {$410.00} and do not understand how this balance was attained. 
I was charged interest of {$180.00}. I had tried to explain I had lost my job due to Covid during the timeframe but they said there was nothing they could do about the interest charged.

This amount of interest is a huge burden to overcome while I try and dig myself out of debt from losing so much income during Covid. I had been staying home with my kids because they could not attend school during much of this time as well.
Product: Debt collection

Theyre charging us {$2000.00}, because we supposedly left the house with damages, but as I am concern in any other apartment this doesnt have to do nothing with us because at the end of the day they have to clean and fix everything for the next people moving in, and they are charging about the carpet, sink, tub, etc.. when all this as soon as we moved in the paint fell off in the master room we had a big whole on the roof from the water when it used to rain, and they still charging for that, my point here is why do we have to pay that much amount when its theirs job to fix everything afterwards, when we moved in it wasnt all perfect we would always have bugs, and they would charge us for the petscontrol all that on the rent when we didnt even use half of the rent bills but water and gas, and when we moved out we moved out on XX/XX/year> and they gave us until XX/XX/year> and we didnt have time to give back the keys because we moved far and we are always working so I went on XX/XX/year> and they charged us {$420.00} because we turned the keys late when they knew we werent there no more but all they wan na do its charge and take money for free just like as when we moved in, they told us youre rent is gon na be {$1200.00} so we were okay with it but as each month was passing by they would add {$100.00} more and more until our 3rd month there they started charging us {$1500.00} each month from there we complain what did they do nothing and we couldnt do nothing because they will always argue back and because of that we had to make our money up for them because we couldnt break contract, but please help us this is to much for stuff that its not our responsibility how are they going to bring people in with no new carpet thats is gross thats why we never put attention to that, for the same reasons we only lived there for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now
Product: Bank account or service

I was Told Buy Iberia Bank To provide Information From XXXX to verify that previous Matter Have been resolve and nothing negative to report did so in a respectful manner they made spend my hard earn money faxing over them the documents from XXXX .After they information was receive they told me they will not open my account because of fraud or anything negative from other banks its because I have to many inquiries and the account sales man said I quote " I do n't feel comfortable opening accounts " I said why he said to many inquires and I 'm just not going open them I said you made me spend my money faxing you XXXX documents and your not going to open them he said no sorry about that so bye '' Wow '' So this your customer service department Iberia Bank you can let your employees determine the judgment and discrimination base on their own agenda after I qualified for A bank Account?
Product: Debt collection

The debt was placed on my account XXXX 2015. I am currently in the process of reviewing my credit and came upon the debt on my credit report. I was not informed in writing of this debt before it was placed on my credit report. I contacted the collection company ( Enhanced Recovery ) and they could not validate that this debt was mine and they also refused to remove the debt from my credit report as well.
Product: Credit reporting or other personal consumer reports

Called the company to dispute different amounts on the because the original amount was different by hundreds of dollars higher for the charge-off amount so I request the 1099 tax forms for the charge-off amount was told to call the company the Representative was rude and combative.I had to let her know.She was being covered off and she told me she would send me the dispute information in the email.I never received that email once.I called they never answered the phone now
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised and I've reached out to all 3 credit bureaus for correction and never received any response. The following accounts reporting are fraudulent and don't belong to me nor did I give anyone permission to use my information. 

1. XXXX  XXXX  XXXX  ( XXXX XXXX ) Balance {$1700.00}.

2. XXXX XXXX XXXX/ XXXX  XXXX  XXXX  Balance {$590.00} 3. XXXX  XXXX  County {$170.00}
Product: Credit reporting or other personal consumer reports

I am raising this complaint because XXXX, XXXX, and Experian have failed to address and correct inaccurate information on my credit report, despite my repeated efforts to dispute these errors. The inaccurate reporting continues to harm my credit profile and violates my consumer rights.

FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, as required by law.

FCRA 605 ( c ) : The " date of last activity '' is being inaccurately reported and does not reflect the last payment date, violating the accurate reporting requirements.

FDCPA 809 ( b ) : The collection account remains unvalidated, even after I formally requested verification.
Product: Debt collection

Equifax and other major credit reporting agencies consistently list these inquiries. However, I request the removal of inquiries that are not associated with my accounts and are not mine. It is important to highlight the laws safeguarding Americans from debt collectors and the sharing of personal information. Some relevant laws from XXXX XXXX include : Fair Debt Collection Practices Act ( FDCPA ) : This federal law outlines rules that debt collectors must follow, ensuring fair treatment of consumers and preventing abusive practices in the debt collection process. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates how consumer credit information is collected, reported, and used. It provides consumers the right to dispute inaccurate information and have errors corrected. 

Gramm-Leach-Bliley Act ( GLBA ) : This law imposes restrictions on how financial institutions handle consumers ' non-public personal information and requires them to establish privacy policies and practices. 

Regarding the reported entries, the following are suggestions for removal due to their inaccurate or non-associated nature : XXXX XXXX : Reported on XX/XX/2022, but not associated with my accounts. 
XXXX XXXX XXXX : Reported on XX/XX/2022, not mine and lacks account attachment. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( XX/XX/2022 ), XXXX XXXX ( XX/XX/2022 ), XXXX, XXXX XXXX XXXX XX/XX/2022 ) : These entries are not accurate or lack account attachment. 
It is crucial to ensure the accuracy of credit reports and protect against unauthorized inquiries that may negatively impact one 's creditworthiness. By understanding and exercising our rights under these laws, we can maintain the integrity of our credit information and financial well-being. 


XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX XXXX NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XX/XX/XXXX  NEGATIVE Suggested XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XXXX NEGATIVE Suggested XXXX XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX/XXXX  XX/XX/2022 NEGATIVE Suggested XXXX XXXX XX/XX/2022 NEGATIVE Suggested XXXX  XXXX XX/XX/2022 NEGATIVE Suggested
Product: Mortgage

I attempted to get a modification in order to keep my house, originally I was approved and then they stated that I did not qualify and was no longer eligible to try to get a modification. This resulted in them attempting to foreclose on the house, of which I had to sell under duress in 2018 to avoid the foreclosure. 

This has caused a longer term hardship as now my rent has been higher than my mortgage payments and I have lost all the equity that I would have had in the home.
Product: Payday loan, title loan, or personal loan

Would really appreciate it if Huntington Bank would partner with XXXX. I use XXXX XXXX a lot for pay day advance. It takes a long time because they say my bank ( huntington ) has to send my transactions. XXXX implied that it may help if huntington partnered with them!
Product: Debt collection

My complaint is with Bank of America I am on unemployment and filed my weekly claim it takes two business days to receive your funds on the day to use the funds I did so and after purchasing a few items that morning of they froze my account and asked if I had valid verification of whom I am I repeatedly let them know due to Covid-19 all of the state of New Jersey Department of Motor Vehicles where close and that once they are due to open you have to make an appointment and appointment was months down the line due to COVID-19 I am very disappointed at the fact that they know it isnt possible to do so right now I am convinced that this is an fraudulent practice of there institute
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX & XXXX and 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 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 ) ( XXXX ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.