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

I'm trying to access my account with Equifax to be able to unfreeze and re-freeze my credit information through their website ( https : //my.equifax.com/membercenter/ # /login ) and I keep getting this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' I was a victim of identity fraud and that is the reason I placed a credit freeze with all three major credit bureaus, but I'm currently shopping to refinance my mortgage and need the ability to quickly unfreeze and re-freeze my credit information. I called Equifax on XX/XX/2020 around XXXX XXXX and spoke with XXXX. She unlocked my account and asked me to reset my password, which I did. She told me to wait 24 hours before attempting to sign in with the new password. After waiting 24 hours I attempted to sign in and got the same message. I called Equifax again on XX/XX/2020 around XXXX XXXX  and spoke with XXXX. I told him what had occurred and that I was still not able to sign in. He stated that he will escalate my issue and I should hear back from Equifax within a couple of weeks.That same day I also sent an email to Equifax ( XXXX ) to ensure that there was a written summary of this issue. I sent a follow-up email on XX/XX/2020 and again on XX/XX/2020. Today is XX/XX/2020 and I have not heard back from Equifax. My issue remains unresolved, which is causing undue stress under this COVID-19 environment. I need this issue fixed as soon as possible as I am shopping to refinance my mortgage. Your help in compelling Equifax to resolve my issue will be greatly appreciated.
Product: Checking or savings account

We opened a new business Checking account with Chase bank in XX/XX/XXXX. On XX/XX/XXXX we deposited a check for {$22000.00}. This check cleared and the cash was available for 2 weeks, however we did not have the need to withdraw or use the cash. We had other deposits on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX there were 2 transactions that removed all the cash from the account. 1 for the {$22000.00} check, and another for all other funds in the account equaling {$9400.00}. 

We were not called or notified that this happened. The account was frozen and no cash was available. I noticed the balance error on XX/XX/XXXX and called the bank. 

XX/XX/XXXX call, they told me that the check was made out to 'XXXX XXXX ' instead of 'XXXX XXXX XXXX ' and they needed to verify with the check issuer that this was still the correct person/business to pay. I was on the phone for ~30 minutes, the person came back and said that they verified the check, and everything was good. The money would be back in the account in 2 days. 

Issue : Why did the bank not only freeze the XXXX XXXX but also all other funds? 
Issue : Why were we not notified? 
Issue : Why could the funds not be replaced immediately? 
Issue : Why was this not notified at the time of deposit? 

On XX/XX/XXXX : The {$9400.00} was added back to the account as the service rep. stated, however the {$22000.00} was not back on the account. 

On XX/XX/XXXX : I called account services and was transferred to 4 different departments. Finally one person said that the check was still waiting to clear and that the money would be in the account in 3 days. 

Issue : The check had already cleared 3 weeks ago. There was no issue with the check and Chase Bank had out cash in their possession. 

On XX/XX/XXXX : The {$22000.00} was still not in the account. I called and again was transferred to 4 different departments and on the phone for 20-30 minutes. Finally a customer service rep. acknowledged that the {$22000.00} was supposed to be back in the account along with the {$9400.00} back on XX/XX/XXXX and that they would need to submit a special request for the funds to be issued to the account. The customer service XXXXep. also suggested this would take 4-5 business days. 

On XXXX : The {$22000.00} is still not in the account. I called and told the representative a very detailed description of what had happened. She transferred me to the escalations department ( a supervisor ) so that someone could expedite to get the cash back into the account. That 'supervisor ' immediately transferred me to another department, and then that department transferred me to a dead end : 20 minutes on hold and I had to hang up. 

It is now XXXX ( 4 weeks later ) and we still do not have our {$22000.00} that has essentially been stolen by Chase Bank. 

We were also charged a {$15.00} account fee on the account because we had a couple days of XXXX balance, however the XXXX balance was due to the incompetence and mistakes made by Chase Bank. 

This has now effected our businesses ability to operate and have had to take out short term financing to continue our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached dispute that I sent and was ignored
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of XXXX U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$5200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed XXXX comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue
Product: Debt collection

Frequently calling and violating privacy. I never gave consent to furnish my credit report.
Product: Credit reporting or other personal consumer reports

On my credit report there is an account called XXXX and this account is a collections account. According to conserve they are seeking to collect money that I owe the XXXX XXXX XXXX XXXX. I have disputed this as I never attended the XXXX XXXX XXXX XXXX or took a course or did assignments there. I asked the XXXX  to provide me with proof that I did any assignments there and they were unable to provide me with documentation showing that I did an course/s there. I then filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer.

2 ) A copy of an identity theft report ( such as an affidavit ).

3 ) The identification of such information by the consumer.

4 ) A statement by the consumer that the information is not related to any transaction of the consumer. 


The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). 
Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. 
I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete Conserve from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan thru XXXX XXXX for a XXXX XXXXXXXX XXXX. The payments were due weekly and added up to XXXX monthly. I had my account set up on autopay and never missed a payment. I checked my payment history and it says I was late 30 days. I have had two vehicles paid in full with this company and never missed one payment. I tried reaching out to corporate and they told me to reach out to the credit bureaus. I did. I sent a dispute about the pay history being incorrect. They in return said the information was accurate and would not investigate the matter. I want the payment history updated to all payments on time.
Product: Student loan

I am a resident physician with medical school loans. These loans are supposed to be in full deferral while I am in residency. This was approved each year. Additionally, I was granted a COVID-19 full deferral where interest is not supposed to accrue through XX/XX/2021. I have dealt with customer service several times on the phone who says the interest will be removed and will stop accruing. However, it continues to accrue each day and my balance continues to increase, in error. I previously placed a complaint for this and it was closed without being addressed. As you can see, I attached my statement showing interest is still accruing, now in the amount of {$120.00}. This needs to be removed and the interest needs to stop accruing. University Accounting Service , LLC has done nothing of substance to actually address this issue. They simply say that I should not be accruing interest, and still continue to charge me interest. This is unacceptable and fraudulent.
Product: Mortgage

My Name is XXXX XXXX, a friend of XXXX XXXX the actual person going thru this issue. XXXX XXXX has been attempting to purchase a property with XXXX. Got the pre-approval letter and everything. Today I received a credit score, but in the meantime, I am talking on the phone with XXXX XXXX Mortgage Loan Originator. She mentioned in a phone conversation that I have the recordings that are due to the debt-income ratio. When I have already spent {$8000.00} thru this process. When I am applying for a VA loan and she mentions that even if I put down 20 % which equals $ XXXX I am still not going to be able to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them on multiple occasions advising this is not my account. I had no need to rent a home at the time they stated it was rented. The person that this belongs to has settled the account and I request this to be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX after a phone called i have prior to XXXX XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove e this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.
Product: Mortgage

In XXXX of XXXX, my mortgage was serviced by XXXX XXXX but was sold to TRUIST Bank effective XX/XX/XXXX. I was unable to create an online/app account for the TRUIST banking app, and even an over-the-phone payment with TRUIST was very difficult and time consuming. I gave up on the app and paid over the phone the XXXX mortgage late around the XXXX of the month. I tried today ( XX/XX/XXXX ) to create an online/app account, but again I was unable to. The over the phone system was unable to recognize my loan number. A discussion with their online banking technical support, said they couldn't verify my information. The online banking staff said the system failed to recognize my cell phone number. I now have to take even more time to walk into a branch to show them my cell phone and my driver 's license. They can take my money over my cell phone, but not using an app on my cell phone. 

The transition between mortgage servicing companies to TRUIST Bank has been very difficult and frustrating. I want to pay my mortgage on time, and have never been late on a mortgage payment before, and I don't want this to impact my XXXX credit rating.
Product: Debt or credit management

XXXX XXXX, XXXX has been collecting payments from me since XX/XX/XXXX for a mortgage insurance policy they purchased, which was not included in my home loan modification in XXXX. Until now, I have been able to make payments over the phone via ACH transaction free of charge. However, when I called to make my XXXX payment, they informed me that they would now charge a {$3.00} fee for the transaction. 
I requested a free payment option, and they only offered the option of mailing a check, which is highly inconvenient in XXXX. I was never informed of this change, and I can not afford to pay them more than they are already taking from me. This fee feels like an unfair way to extract extra money. As I struggle to make my payments, it is unjust for them to suddenly impose additional charges for the same transaction method I have been using for years.
Product: Debt collection

Midland Funding said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from Midland Funding or from the court system. 
My employer received a letter from XXXX XXXX XXXX in reference to Midland Funding with information to garnish my wages. I did not receive any information from Midland Funding or from XXXX XXXX XXXX about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information XXXX XXXX XXXX sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of XXXX children. Both children are beginning college in the fall. If Midland Funding/XXXX XXXX XXXX garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. Midland Funding and XXXX XXXX XXXX have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have check my credit report and had found a delinquency on my XXXX card account which is in accurate, this is a alleged late payment on XXXX. 
As a consumer I have the right to request verification and/ or validation of this inaccurate reporting which is affecting my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification. 
Under federal law you must provide : name, number, position occupide by the person how verified this late payment, failure to do this is a violation of federal law.
Product: Credit reporting or other personal consumer reports

I am writing to officially contest the inaccurate and misleading details recently uncovered in my credit report. Upon receiving a notification regarding unauthorized and unverified accounts associated with my credit profile, I was dismayed to find that this credit bureau had not conducted the necessary due diligence to validate these claims. Instead, an automatic notation was added without providing any reference or supporting documentation. 

This failure to verify has significantly impacted my credit report, leading me to take legal action by filing a police report concerning these unauthorized accounts. In accordance with consumer law and regulations set forth, I insist on a thorough investigation that was not accurately conducted. 

As outlined in 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the FCRA specifies procedures for contested information. Subsection ( 5 ) explicitly mandates that if, after reinvestigation, information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

I draw attention to 15 U.S. Code 1681n - Civil liability for willful noncompliance, emphasizing consequences for failing to comply with the FCRA. Any person obtaining a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I demand that you delete all the accounts listed below immediately. 
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  Your immediate attention is crucial. Please acknowledge receipt of this dispute and inform me of the steps being taken to rectify the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Product: Mortgage

Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I applied for a American Express XXXX XXXX card with a XXXX  XXXX points bonus after {$3000.00} of spend in the first 3 months of the card being issued. My credit application was approved and card was issued on XX/XX/XXXX I met the spending of {$3000.00} in XX/XX/XXXX. Statement closed on XX/XX/XXXX. I have yet to see the points posted to the account. Have spoken to Amex representatives several times and they do not know why the points have not posted and have opened a case. They keep telling me that the points will post 6-8 weeks after meeting the spend. It has now been 11 weeks and no one can tell my why the points have not posted. They say they have opened a case and it 's ongoing ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with XXXX XXXX  about the account covered by insurance showing as a negative account in collections on all three of my credit reports.
Product: Money transfer, virtual currency, or money service

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 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 redres for these violations.