23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I placed a credit freeze on all of my credit reports, including Equifax, on or around XXXX/XXXX/13. In the past couple of weeks, I 've lifted ( temporarily, then permanently ) the freezes at both XXXX and XXXX with little to no problem, even with a forgotten PIN for one of them. I have been met with nothing but roadblocks when trying to lift the Equifax freeze, though. I have entered all of my information in the online form correctly twice, even providing my past address, a field that was not marked as required, only to be told that additional information was required and needed to be mailed in. There was no explanation as to why my request could n't be completed online. I also called the automated phone line twice and was given the same message about mailing in proof ; again, with no explanation as to why my request could n't be completed. Neither system even bothered to ask for my PIN, a readily available piece of information that could have easily proven my identity and unlocked my report, as it was meant to. 

Instead, I was told that I would have to mail Equifax my full name, complete address, Social Security Number, date of birth, XXXX forms of identification ( utility bill and paystub were the given examples ) and the credit freeze PIN. For one, I see no reason why the PIN could n't have used either online or over the phone to verify my identity considering that 's its sole purpose. Secondly, all of this information was already provided on the form/over the phone with the exception of the XXXX forms of ID which would have been near impossible for me since I live with family ( no utility bills in my name ) and am self-employed ( no paystubs ). Thirdly, it makes absolutely no sense to be forced to mail such sensitive information that could be used to steal my identity in an effort to lift a freeze that was intended to stop that from happening. If that correspondence were somehow intercepted and used by someone else to open a credit account in my name with a company that pulls from XXXX or XXXX, I doubt Equifax would compensate me for that trouble. Lastly, I have accounts with both XXXX and XXXX XXXX, which both pulls Equifax credit reports and were able to do so, in spite of the freeze, because I was requesting my own report and I answered the identification verification questions correctly. 

I see no reason why I should n't be able to verify my identity online like I did when I set up the freeze or like I have with XXXX and XXXX XXXX instead of opening myself up to the additional and unnecessary risk associated with sending sensitive information through the mail.
Product: Credit card

One of my 4 credit card accounts with Chase Bank was compromised, and despite 20 plus attempts over the last year to resolve the issue with Chase, including closing the account, unauthorized charges from XXXX have continued to occur. 
The transaction history clearly shows that charges from www.rokoko.com have been repeatedly credited back to my account IN EXCESS OF 20 TIMES OVER THE PAST YEAR! indicating recognition of these transactions as fraudulent. However, Chase has failed to prevent further occurrences, leading to a cycle of fraud that has not only greatly inconvenienced me but now has also damaged my financial standing. 
Chase 's inability to effectively block these unauthorized charges even after I closed the account 6 months ago! and after a year of calling their fraud department and its decision to report my account as past due, despite the circumstances being communicated and acknowledged by their fraud and collections departments, demonstrates a significant lapse in their responsibility to protect customer interests and accurately report credit information.
Product: Credit card or prepaid card

Ok first my identity was stolen and someone got ahold of my sears MasterCard and made unauthorized purchase and luckily I caught them in time and after they didnt get the products they ordered without my authorization they called and had my account closed I tried to get it opened multiple times and got nothing but more hard inquiries on my credit report and would like to get my account back open and in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

this is what is reported on my credit report by Experian : US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Reference XXXX I have supplied Experian with information directly from the courts in writing that they have not and do not verify court records. They also have failed to report and furnish accurate information such as the court name and reference number. 

Attached you will find a letter from the United States Bankruptcy Court, XXXX Division. I have no knowledge of who the " US BKPT CT IL XXXX " is, nor have I received any correspondences from such a business or division. I also have no knowledge of the case number referenced above ( XXXX ). I have asked Experian through multiple channels not limited to the themselves, the CFPB, and the Attorney General to provide the furnisher of this information. They have yet to respond with where this information is obtained. Per FCRA 611 they are required to provide the name, number, and location of the furnisher of this information. They have failed to do this on numerous occasions as well have failed to provide accurate information. I'm asking for this item to be removed from my credit report as it is not reflecting accurately.
Product: Mortgage

My loan was sold to Newrez. They have lost paperwork including proof of insurance from my original mortgage company. Lost paperwork that they later " found '', and have on more that one occasion given me conflicting, or incorrect information that I honestly believe are 100 % lies. They have stated on more that one occasion they have sent me corespondance that I either never recieve or is recieved well after their contractual obligations to respond in a timely manner. They also do not send these letters in a manner that recieves a postmark making it hard to prove their lying difficult. 

I have been trying for over 1 year to get PMI removed. They have 3+written requests requesting removal. They have lost one then later found it. They have told me my appraisal completed by a certified appraiser, from my previous lender are not sufficient. Have told me on numerous occasions they have sent me paperwork despite only receiving one copy after I called in and rerequested information This company is dishonest at its core. Their system by design or by an unnatural collective level of incompetence, drags out processes that cost the consumer more and benefit the lender. I have quslified for PMI removal for conservatively a year. Money I'm spending on PMI could be going towards principal. They however have dodged my requests lost paperwork or not responded at all to my requests. 

I will tell everyone I know to never do business with this company.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have 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. 15 U.S.C 1681c ( a ) ( 5 ) section states 2 ; it also a 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 information is inaccurate.
Product: Vehicle loan or lease

I HAVE CONTACTED US BANK NO LESS THAN 5 TIMES IN REFERENCE TO STATE TO STATE TRANSFER SO THAT I MAY REGISTER THE VEHICLE IN FLORIDA. THE STATE REQUIRED US BANK TO MAIL THE TITLE TO THE AGENCY LISTED ON FL FORM XXXX XXXX.WHICH I FAXED TO US BANK OF XXXXXXXX.18. I ALSO CALLED TO ENSURE IT WAS RECEIVED. INSTED US BANK SENT A LETTER TO THE TAG AGENCY WITHOUT THE TITLE STATING THAT I HAD PERMISSION TO TITLE AND REGISTER THE VEHICLE IN THE STATE OF FLORIDA. THE LETTER WAS NOT SIGNED AND STATED INCORRECTLY THAT I COULD TITLE THE VEHICLE WHEN NO TITLE WAS PROVIDED BY US BANK. THIS WAS MY 4TH TRIP TO THE TAG OFFICE WAITING HOURS EACH TIME TO BE TOLD NO CAN DO. I CALLED US BANK AGAIN TODAY AND ASKED FOR A MANAGER. I WAS TOLD ONE WOULD CALL ME BACK AND THAT NEVER HAPPENED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to reach out to Transunion to look into credit reporting on my account, as it shows an inquiry that I do not recognize that was done today XX/XX/XXXX. I do have an inquiry that was done with this company XXXX XXXX XXXX XXXX, but it was done back in XXXX of XXXX. I called the fraud department to dispute this issue. They were not helpful, and per the FDCRA they are to remove any inaccurate information from my credit report, especially if I did not do this. Also, I ask if my information like my address can be updated. They advised they need to ask a few questions to verify me. One of the question ask about an address that I have never lived at. I answer correctly stating I have never lived there, and they said that I failed their verification. This is so frustrating. Please assist.
Product: Credit card

I attempted to pay my TD Double Up credit card as I normally do in late XXXX. It should be prefaced that TD Bank had made recent changes to the way you pay their own credit cards online and the process was quite convoluted. For example, you had to click " Pay a non-TD account '' in order to pay your TD credit card account, which of course makes no sense. So we should establish that the people behind TD 's bill pay system aren't exactly the best and brightest. 

When I attempted to make my payment as I did every prior month, I got a generic error screen that read " We apologize for the inconvenience '' ( see attached video ). I tried several more times over several days and continued to get this message. I even tried a different browser, so this was clearly an issue on TD Bank 's end. I wrote them and asked how I was supposed to make a payment online. They admitted issues with the Bill Pay system and to try in a few hours. However, the error persisted for what ended up being an astonishing 60+ days. During this time I again wrote them and asked if there had an plans to fix their system. They responded asking me to make a payment via their mobile app. I attempted to do so and got the exact same error message. At this point I gave up, as the due date had passed for payment. 

After a few weeks, I wrote them asking if they wanted to be paid, and if so they would need to remove the late fee and interest from the card since they were the result of TD Bank 's systems failing. They told me they would do so after I made my payment. Two weeks later, they finally fixed their system and I was able to make a payment online after several attempts. I then wrote them and asked that they remove the late fee and interest as promised. They removed the late fee but lied about removing the interest. They refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

these inquires are from creditors i dont know are do business with 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
Product: Mortgage

Freedom Mortage debited my XXXX account for a mortgage referenced XXXX for XXXX on XX/XX/year>. It is not my mortgage and no one on my end authorized this payment. When i inquired through my bank they sent me to XXXX XXXX because that is where the ACH transaction happened. XXXX XXXX then sent me to Freedom Mortgage to explain that this was a mistaken transaction. Freedom mortgage operator number XXXX basically told me there is nothing they can do. They did admit that the mortgage number is theirs but since my name is not on the mortgage they couldn't talk to me. File a dispute with my bank and close the account and start a new one. I explained that was an unacceptable answer. I then asked why they couldn't look into the transaction on their end. I was told that was impossible. I then asked for a supervisor and was told to have a nice day and they hung up on me.
Product: Credit reporting or other personal consumer reports

This complaint clearly shows that experian is making determinations on my credit in the future. The screen shot in this one shows experian saying there are no changes to my credit as of XX/XX/2023 except its only XX/XX/XXXX are they clairvoyant
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my identity stolen in XXXX but was not made aware until XXXX of XXXX, and til this day its been an ongoing problem, Ive gotten bank accounts compromised, cars gotten in my name, phones, accounts opened without my knowledge etc. I was able to get some of the damage from the fraud taken care of however despite the evidence and the police reports Experian refuses to take off a couple accounts that they know arent mine. XXXX and XXXX finally complied and took off said accounts so I can have the correct and fair score but Experian refuses to. I even tried to get the address removed that they were doing fraud with and they said no because it was reported to them by several accounts. Those several accounts werent even mine. If my identity wasnt stolen how did a XXXX XXXX card get opened in XXXX of XXXX. I was XXXX! I didnt even have a bank account yet. I just want my situation to be resolved, this has literally caused blood, sweat and tears for me.
Product: Debt collection

All of a sudden I started getting harassment phone call also calls was made to my daughter as well threatening to sue me take me jail and contact my employer. I tried r play I have never hard of a company call total credit o told them it wasnt mine.. the company become belligerent and started swearing at me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking out my credit report and I tried to dispute an outdated account for Experian to remove and they keep denying my requests I have been sending in to verify and validate this account. 

XXXXXXXX XXXX - Account # XXXX Past 7 years statute on reporting Reporting inaccurately because XXXX and Experian is not reporting the account. Only Experian reporting inaccurately. 
Date last reported was XX/XX/2017, so that means Experian lied about debt validation. 

PLEASE DELETE IMMEDIATELY XXXXXXXX XXXX - Account # XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, a 1099-K form from Block, Inc. XXXX Square , Inc was received at my previous address. The amount on the form was for {$6000.00} and it included my correct name and last four digits of my social. However, I never opened an account with this company. That same day, I contacted the company by phone at XXXX and explained to them that I suspected someone else opened an account with my name and my social security number. She asked me for my email address and sent me a message to which I replied with a picture of the form I received. After confirming that she received the picture, she stated she would forward it to their fraud department and I should hear back from them within 1-2 business days. She provided me with ticket number XXXX.On XXXX, I got an email from Square/Block Inc. asking me to contact my local law enforcement and provide the following information to them : XXXX, Block, Inc. Attn XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX, I received another email from Square/Block Inc. asking me to contact Cash App at XXXX. On XXXX, I contacted Cash App and spoke to XXXX and explained the situation to her ; however, she stated she couldnt really help me because I didnt have the correct email address to the account I was calling about. The only thing she could do was to email me a questionnaire, so that an investigation could be started on their end. On XXXX, I contacted both companies again, but wasnt given any updates or information on my case. Up to this date XXXX, I havent heard anything back from Square/Block Inc or Cash App.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Reporting Agencies for Noncompliance with Identity Theft Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the failure of the credit reporting agencies and data furnishers to remove fraudulent accounts from my credit report and update my personal information as required under federal law. 

1. Identity Theft and Fraudulent Accounts I am a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests to block and remove these fraudulent accounts, the credit reporting agencies have failed to take the necessary actions. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile, further supporting my claim of identity theft. 

2. Failure to Update Personal Information Despite my repeated requests, my personal information remains outdated and incorrect. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ). The following information requires immediate correction : Legal Name : My credit report should only display " XXXX XXXX. '' Address Update : The only valid address to remain on file is XXXX XXXX XXXX, XXXX, MI XXXX. All other addresses must be removed as I no longer reside at or have access to them. 

Phone Numbers : Remove all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : My Social Security number and date of birth should not be displayed on my credit report for privacy reasons. 

Employer Information : Delete all employer information listed on my report. 

XXXX. Data Breach Impact and Negligence My personal information was compromised in several major data breaches, including : Equifax breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX breach ( XXXX ) XXXX XXXX records leaked, including passport numbers. 

Experian breach ( XXXX ) Millions of Social Security numbers and credit histories exposed. 

Due to these breaches, my identity was stolen, and fraudulent accounts were opened in my name. The credit bureaus failed to take proper action despite repeated fraud alerts and disputes. 

4. Legal Violations The credit reporting agencies and data furnishers have violated multiple provisions of the FCRA and other federal statutes, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 Failure to ensure accuracy in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Executive Office previously permanently block the following account 3 years ago because the account dont belong to me, now they have put the account back on my credit report after they permanently blocked the account from my credit report. The following account is not my account : XXXX XXXX XXXX XXXX. The account is not mine and dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, VIA THE XXXX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS XXXX, EXPERIAN AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX