23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax continues to report a released and withdrawn tax lien even though I have disputed the incorrect information XXXX times and have provided Equifax with the XXXX documents that clearly state the lien has been released and withdrawn since XXXX. I am getting absolutely no where with Equifax. Equifax is the only credit bureau reporting this information. Equifax is doing harm to my credit and is causing me distress while I am attempting to apply for a home loan. I can not secure the most favorable rates and terms that I am entitled to. I 've also attempted resolution by speaking with an Equifax XXXX and the Supervisor. My attempts at resolving this myself have failed due to Equifax terrible customer service. I really need CFPB assistance and thank you in advance for your prompt attention to my case.
Product: Mortgage

Made my full payments up to XX/XX/XXXX. The full XXXX payment was wired to Citadel.This payment was for principal & interest, but instead Citadel applied part of payment to late charges without my consent leaving the payment short. I spoke to a supervisor who said she reversed the payment making my account current thru XXXX. I then applied for a 3 month mortgage assistance for XXXX, XXXX and XXXX. I expect my next payment to be due XX/XX/XXXX. This is just a deferral of my payments not forgiveness. Citadel said they would place the 3 month payments at the back of the loan. I spoke to Citadel on XX/XX/XXXX and the payment had not been reversed as the supervisor had told me. They told me i was due for XXXX & XXXX, XXXX. This is totally incorrect and needs to be corrected.
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized hard inquiries on my XXXX credit report, including XXXX from JPMCB Card Services dated XX/XX/year>. I did not apply for credit or authorize these inquiries, and I suspect they are the result of identity theft. Over the years, my personal information has been exposed in several data breaches, including the XXXX data breach, the XXXX XXXX XXXX data breach, and potentially the recent XXXX XXXX XXXXXXXX XXXX XXXX. These breaches may have compromised my Social Security number and other sensitive information, making it easier for bad actors to attempt fraudulent activities in my name. 

I have already taken steps to address this issue, including filing an FTC Identity Theft Report and contacting Chase Card Services to request documentation of the inquiry and details of the fraudulent application. I am concerned about further misuse of my information and need assistance to resolve this issue and protect my credit profile.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Logicoll , LLC for committing identity theft. I have never given Logicoll , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Logicoll , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Logicoll , LLC continue its collection efforts, I will file for litigation for actual damages caused and Logicoll , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE
Product: Money transfer, virtual currency, or money service

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

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

I have three issues with Experian that I believe in direct violation of my consumer rights. First. XX/XX/XXXX I disputed and submitted a formal request to investigate a list of hard inquiries that I did not authorize. XX/XX/XXXX Experian received the formal request ( enclosure ). Experian did not reply or remove any inquiries. It has past 30 days after receipt of the formal request. Second, Experian is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX states that the account in question expired XX/XX/XXXX. XXXX XXXX informed me to contact Experian ( enclosure ). Experian have been informed formally several times. Experian has reported this account 2 years beyond SOL years. I have formally disputed this inaccuracy to Experian several times. Third, I recently have been informed that there is a bankruptcy that has been maintained under my social security number. Experian was sent a formal letter disputing the bankruptcy. Experian was asked to validate there information and provide me with copies of any documentation. I formally requested the method of verification. Experian last updated the disputed inaccurate bankruptcy in XXXX I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus ( enclosure ). A formal letter was sent to Experian XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX ( enclosure ). Experian sent a letter stating bankruptcy dispute will not be investigated. We have previously disputed the credit grantor has verified its accuracy. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
Product: Checking or savings account

I deposited my paycheck via mobile deposit because my bank USAA has not sent over verification my employer for direct deposit. 

They placed seven day hold on my deposit., i need to pay my bills and they dont care to help. 

i will lost light in my home and no food for my kids without my paycheck
Product: Credit card

Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged.
Product: Mortgage

I am refinancing my home ; my current mortgage company is XXXX XXXX ... .it just so happens my closing attorney office is XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX not related ) I am financing with XXXX XXXX  ... my contact is XXXX XXXX XXXX his number is XXXX .... 
My closing was supposed to happen 3-4 weeks ago ... .my closing attorney says Suntrust Bank ... has a 2nd lien on my house... home equity line from 10-11 years ago... 
My mortgage was with Suntrust back then and was sold to XXXX XXXX ( above ) which is about {$94000.00}...... I do not owe Suntrust any money related to a home equity... 
Did I ever have a home equity loan with them ; then the answer is possibily... but I would know if I owed them money .... 
My closing attorney has spoke to several people at Suntrust for the last couple of weeks. 
Depending on who you talk to at Suntrust and what day ; the lien is cleared and other times they think I owe money but do not know how much????? 
My contact and attorney have worked there butts off; trying to get this resolved for about 3-4 weeks... 
YOu know how much time it takes ; all the information ; needed by the finance company to get this done. Its a nightmare! Suntrust has now managed to cause me to pay a higher interest rate ; due to there imcompetentence. I was advised by XXXX XXXX at XXXX XXXX, rates will go up Thursday... They have locked in my rate for numerous weeks; emailed ; left messages with Suntrust to no avail!! Now rates are going up after having 3-4 weeks to give a definitive answer to the supposed home equity line. Please help me with this if possible ... .forgot to mention..I was told I did not have to make a XXXX mortgage payment ; now I '' m late on XXXX payment ... entire loan would have been paid last week of XXXX if Suntrust would have done there job Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 Section 2 It also 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

This is XXXX XXXX, who is submitting this CFPB complaint myself. sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX 2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello, Hope all is well. I recently made payments to bring my vehicle loan payments up to date. Reasons for me being late last year was due to XXXX XXXX XXXX XXXX and the reasons behind this year is due to my vehicle being a lemon. The vehicle is currently going through a court process because of numerous defects on the vehicle and many recalls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, XXXX and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX i believe it was reporting in error.
Product: Debt collection

I don't owe this debt because this school closed before I was able to take my test and I had no knowledge of this balance until this account become in collections. I called to see about this debt and the collectors were rude and couldn't explain why this debt belong to me.
Product: Debt collection

XXXX called me about an account I didn't recognize. They had me review charges and the address matched that of XXXX of my relatives. I brought that relative on the phone with me who admitted to opening the account. XXXX still claims what I'm saying is false. They claim my address was on the account, but I noticed it wasn't when they had me review it on the phone. I recently found out they got my address from pulling my credit report, not from the fraud account. I filed a police report and FTC report. I attempted to update the police report to add said relative, but they told me I'd have to have a detective assigned to it and talk to them about it. I did update it on my FTC report. I called the bank that had the fraudulent account and was told it was under investigation. I called the credit bureaus, and I no longer see it on my credit report. I asked the woman on the XXXX phone if there is a way to upload or fax my documents since I don't have transportation or money to send by mail. She refused to give me any way to dispute it.
Product: Credit reporting or other personal consumer reports

I recently realized that a closed account on my credit report is showing that I paid 30 days late on an auto loan for a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. 
Once I saw that, I disputed the mistake with Experian and received a response within 30 days from XXXX. They denied my request to fix their mistake and update my payment history to an on time payment. 
From that point I requested my payment history for that auto loan and also found a pay statement in my email for that exact timeframe showing proof that my payment was never late on XX/XX/XXXX. 
I should have never been reported late in the first place, and this mistake should have been corrected the first time I disputed with Experian. 
I also realized that this information is not being reported on XXXX, it is only being reported on Experian and XXXX.
Product: Student loan

I ca n't make online payments through the Navient Website. I spend most of my time overseas and every so often when a payment is due I ca n't access the website. I have complained about this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint mortgage servicing increased balance after I disputed incorrect balance and the refuse to correct after months of disputes. Sent me a nasty letter! All I wanted was the correct balance reported. There is report showing current but balance is more than it was in XX/XX/2019 after all payments have been made on time there is a XXXX discrepancy and XXXX  bases score on outstanding debt my score went down after they increased my balance please help trying to get my kid a house thank you
Product: Credit card or prepaid card

I placed three XXXX Payments through Barclay 's Credit Card. I've been making utility payment and bill payments through XXXX on many other cards for a year with no fees or problems. 

The payments were made on the following dates, with the corresponding charges, XX/XX/XXXX XXXX Payment for {$410.00} / Fee of {$20.00} XX/XX/XXXX XXXX Payment for {$360.00} / Fee of {$17.00} XX/XX/XXXX XXXX Payment for {$1200.00} / Fee of {$63.00} No where does it state that paying a bill by a service like XXXX cost 5 %, plus they are charging me interest on the cash advance Fee ( they were not cash advances ), all the way up until I pay for them, even though the bill for said interest is not due until XX/XX/XXXX. 

I explained to them that they weren't cash advances and I did not know they would be charged that and they refuse to credit me these charges back.
Product: Checking or savings account

Three separate charges totaling {$2900.00} were made with my debit card apparently with an XXXX and XXXX XXXX XXXX. I have never shopped at that store, and these transactions were not authorized. I disputed with Bank of America and they denied my claim. Here was my appeal letter sent below : To : Bank of America ATM Debit Card Research Department From : XXXX XXXX Account name XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX Claim # XXXX Claim amount {$2900.00} Charges XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Hide additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX Edit Description activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX Claim Denial Request for reconsideration. 

To Whom this may concern, Regarding the above claims, I have NEVER shopped at an XXXX and XXXX as the three charges that I have disputed represent. I have NEVER been to the state of OHIO as the three charges show that the purchases were made. Clearly this is fraud, why would the charges be made three separate times if somebody wasnt continuously trying to rob the account? This is also an incredibly large amount of money and should have been flagged. 

I have never shopped at this store, I have never been to the state of OHIO, these purchases were not me or any authorized user of this debit card. Further a fraudulent charge that I assume has not been denied was made around the same time on my account at a XXXX XXXX. Clearly somebody had made some sort of additional card using my account information and made charges. While the XX/XX/XXXX charges were processing and noticed the activity I immediately made the dispute. I have been a customer with Bank of America for over 15 years, this money was stolen from my account and is insured, I request this money be returned to me immediately or I will seek further recourse. 

XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Mortgage

I sent them a affidavit of truth, violation according to fdca. And other documents. Also Ms XXXX XXXX XXXX of XXXX XXXX XXXX contact me about a debt but say they wasnt a debt collector who is affiliated with Flagstar. I advice them of the FDCPA violation, But they still proceeded. And they never responded to the affidavit of truth.
Product: Debt collection

I rented an instrument in XXXX ; which I returned XXXX. The owner refused to give me a receipt for the return but wanted me to sign a adding machine tape with a dollar amount on it. I refused to sign the adding machine tape. 
From XXXX to XXXX, I never received a bill nor any type of notice. XXXX of XXXX, I filed bankruptcy which was discharged XXXX XXXX. 
I received the first call from Fidelity XXXX, on or around XXXX XXXX, whom I have never dealt with left a voicemail which I have recorded stating that they were trying to collect a debt from me. 
XXXX XXXX, XXXX, XXXX, from Fidelity XXXX called me demanding payment and the return of the instrument that I already returned in XXXX. I explained that I already turned the instrument to the store and that the owner is committing fraud, and that I did file Bankruptcy in XXXX XXXX, which was discharged XXXX of XXXX and that she and Fidelity XXXX was in violation of the law attempting to collect a debt discharged in Bankruptcy court. I informed her that I would be filing a complaint. XXXX, of Fidelity XXXX stated that the bankruptcy did not affect her collection attempt. 

Meanwhile, I have had to block the owner from contacting me on social media websites XXXX from requesting to be a professional contact. I am beginning to get worried that he might cause me personal harm.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity fraud involving multiple credit card companies. Unauthorized transactions have appeared on my accounts, which I did not initiate or approve. I have contacted the affected credit card companies to address these fraudulent activities and am seeking assistance in resolving the issue and protecting my financial information XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXXXXXX XXXX opened XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$56.00} ; XXXX XXXX  XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX  XXXX ; XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.