23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801. It states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 
The financial institution and the consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, or the furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 
Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures.
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from XXXX claiming an autorenewal with XXXX for {$410.00} and a phone number XXXX, which I called to dispute this charge. During this call, {$11000.00} was " mistakenly '' transferred to my bank account, of which I was forced to withdraw and told to re-deposit into a bit-coin  ATM located at a XXXX XXXX on XXXX XXXX XXXX  XXXX XXXX, AZ. After this I went home and on my cell phone was prompted to go through a series of apps in order to get a refund of {$500.00}, during which I realized this was a scam. I received a call from my bank during this time and was alerted to a fraud. The scammer, when he realized he was caught, became verbally abusive. 

I have a fraudulent charge on my credit card that has not been resolved and which I am still fighting.
Product: Checking or savings account

We have had a total {$54000.00}, taken from out business Chase Account to date. On XX/XX/2023 XXXX we had {$24000.00} withdrawn from the Chase Bank account. This amount was taken through XXXX transactions of various amounts from our Chase account from ~ XXXX XXXX  to ~ XXXX XXXX. These XXXX transactions were all classified as refunds from various credit cards. This Chase account is linked to an entity of Chase Bank referred to as Chase payment tech. Chase Payment tech processes credit card payments on our behalf from our customers and deposits those funds into our Chase Bank Account. We have 3 accounts or user names that run credit cards through our office, one of those accounts was closed out by Chase payment tech but they never notified us and we never detected this issues until XX/XX/2023 when the accountant was reconciled. We immediately notified Chase Bank, who told us the Fraud department said to file a police report but they couldn't do anything about it. We did file a police report but then on Sunday there was a second incident, they pulled {$29000.00} from the same account on XX/XX/2023. We called Chase immediately but have yet to receive any of the funds that were stolen.
Product: Credit reporting or other personal consumer reports

Verification of validation in reporting of unexplained and unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX, XXXX and Equifax Credit Profiles, I noticed Inquiries I do not authorize nor recall granting written authorization ( s ). Please investigate to see if accounts : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EquiXXXX 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 XXXXXXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ******Please make certain you have Perfect True Correct Verified Validated Claims of contract showing my wet ink signature, if not, and you find deficiencies with mentioned accounts please delete immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED THIS FRAUD ACCOUNT ON MY CREDIT REPORT.INVESTIGATE FRAUD ACCOUNT AND DELETE! 
ACCOUNT NAME- XXXX XXXX XXXX DATE OPENED- XXXX STATUS UPDATED- XXXX ACCOUNT # XXXX LAST PAYMENT DATE- XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT " FAIR CARES ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. I am filing this because Equifax refused to respond to my complaint. 

Instead, they claimed in their response that I had said that there was inaccurate information on my credit account. I DID NOT SAY THAT. 

I am asking Equifax to respond to my complaint about lifting the credit freeze. 

Attention CFPB : Please be sure that EQuifax responds to my complaint about the credit freeze. This is not a problem with inaccurate items on my account. 

I put a credit freeze and fraud alert on my account with Equifax a couple years ago. When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.
Product: Credit card or prepaid card

Tried to make payment on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX program online but was unable to on its website. Called to make payment and was unable to due to my account being " locked '' and was told I would have to make payment at a store that was not available at my current location. This store card is a scam that should be blocked by the service member civil relief act.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In  XXXX  of  XXXX  I wrote a letter to  XXXX   XXXX  services asking to validate a debt that started reporting on my credit report. I then received a letter dated  XXXX / XXXX / XXXX  that they reviewed the account and believe the activity on my account is correct. They did not submit any information to me regarding this debt besides an explanation of the debt in this letter. Please see attached all correspondence pertaining to this complaint. I then Wrote them another letter in response to their requests, which was received on  XXXX / XXXX / XXXX  from which they never responded. I then gave them  30 full   days and pulled a copy of my credit report dated  XXXX / XXXX / XXXX  and noticed that they did not place the notice of dispute on my credit file which they violated federal law and fair credit reporting act section  623 ( a ) ( 3 ). I then w rote them another letter dated  XXXX / XXXX / XXXX  which is attached which was received on  XXXX / XXXX / XXXX  which they never responded to either. I have also noticed that this creditor has also broken FCRA  Section 605 ( c ) as the y have been re-aging this account as a current charge off instead of when it supposedly occurred back in  XXXX . This creditor has broken several FCRA laws and has violated my rights as a consumer and has caused pain and suffering with my issues of obtaining a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, Equifax and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Product: Checking or savings account

Capital One is currently holding my paycheck hostage. What else can I say? You are probably already receiving complaints. Please keep me updated on this issue. They need to pay compensation for this insanity. I need my money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion
Product: Debt collection

I have explicitly ask them ( RS Clark & Associates ) several times not to call my number and they continue to call after about a week hiatus. The last three times were XXXX/XXXX/16 at XXXX ; XXXX/XXXX/16, XXXX/XXXX/16. They continue to say they will but turn around and continue to harass my number with their calls. They have called before now and I have asked them not to call my number. They try to verify who I am although I refuse to give them any information as to who number they are calling. I do not know who they are and the fact they continue to harass calling my number every week or so is beyond relentless and tiresome.
Product: Credit reporting

XXXX is not allowing me access to my once a year free credit score that XXXX passed a law in XXXX stating that we are allowed XXXX free credit report and score each year by law. XXXX nor Transunion, nor XXXX are allowing this to occur. I guess paying XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the XXXX people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the XXXX people do the right thing and make a change.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. My Identity was using to get credits and the theft tried to rent an apartment as well with my Identity I listed a couple accounts that was open fraudulently, I want them accounts removed off my credit profile it is affecting me real bad!
Product: Mortgage

Shellpoint Mortgage services our home mortgage and has had XXXX major servicing errors on our account in less than 45 days. Both of which my wife and I have had to spend significant time resolving. In XXXX of 2015 they incorrectly processed Homeowners insurance payments. After 6 hours on the phone over 4 days and filing notice of error Under CFR 24 they finally resolved and corrected our escrow. Then in XX/XX/XXXX we made out MTG payment and they processed it not once but twice resulting in a NSF charge on our bank account of {$32.00}. We called XX/XX/XXXX to notify them and they we very apologetic and cancelled the duplicated payment and offered to refund us the {$32.00}. We sent the necessary paper work to them that day. On XX/XX/XXXX they on their own accord reversed the initial payment as well and then charged our Mortgage account a {$25.00} NSF charge. At XXXX XXXX on XX/XX/XXXX we received a call from a " Number not available '' from Shellpoint. On that call they demanded to know when and if we were going to pay out mortgage. After I reviewed the account history and speaking to my wife I called back. They admit there mistake and have claimed that IT has fixed the issue. 

Though they resolved the escrow issue and are now working to fix the recent payment processing errors Shellpoint treats its customers as guilty until proven innocent. The only way I seem to get results is to threaten reporting them to this agency. Well, I have had enough ... 
As a servicer should be able to process escrow payments to insurers without tripple paying them, and they should be able to properly process payments without double withdrawing the funds and then charging the consumer a NSF and it should not take hours and hours of the consumers time on the phone fixing their mistakes. 

If I could switch servicers I would ... ....
Product: Mortgage

I was on a Covid 19 forebearance program for my mortgage starting in XX/XX/XXXX. Basically, over the phone I was told that my principal payments would be deferred, and added to my loan term, therefore extending the life of the loan. During such time, interest and any payments made on my behalf would also be included. I agreed, as it was fair and how many other relief programs were structured at the time. As the months went by, I realized that I could not afford to keep my house due to disability/Covid issues. So I put my house on the market and sold it. Today, at closing ( XX/XX/XXXX ) I discover that Pennymac had received a claim from XXXX for the principle missed during my forbearance period, and now they ( XXXX ) had a lien on the property. At no time under this program, did I understand this to be how it was to be administered. And it certainly wasn't explained to me that way over the phone. Again, I was told that my PRINCIPAL payments would be deferred, and added to the end of my loan term. All interest and other payments were accruing daily, and was understood. When I called Pennymac after this was discovered at closing, I was told that somehow that I agreed to this. Apparently, the wordy paperwork that they sent for me to sign and filled with legalese, had something completely different than the phone call embedded within. Pennymac was made whole by this insurance payment from XXXX, but I did not agree to such an arrangement. Not to mention the assistance provided to them by the Federal government. I did not pull the notion of my payments being added to the end of my loan out of thin air. It is, in fact, what I was told by the Pennymac representative over the phone. And if they record those calls like they say that they do, you will be able to find that out fairly quickly. In conclusion, the total sum subtracted from my closing statement far exceeds the payments and escrow I have missed during these trying times.
Product: Credit card

On XX/XX/23 I was in training for a new security job. While in training my debit card was hacked.after my training I went to get something to eat at a burger place while I was there money was being withdrawn from a XXXX store. I closed the card and reported the incident. I informed them that I was in training when my card was hacked. They stated that they investigated but they did give me back my money
Product: Checking or savings account

On XX/XX/XXXX I opened an Advantage Plus Checking Account with Bank of America in person at one of their financial centers located at XXXX XXXX XXXX, XXXX, PA. There was an advertised promotion of a {$100.00} bonus to be deposited into the account if the account received {$1000.00} in qualifying direct deposits within 90 days of account opening. The banker confirmed this promotion applied to me upon opening of my account. 

On XX/XX/XXXX, I met the conditions of this offer, with a total of {$1400.00} having been direct deposited into my account in two installments from my employer, The XXXX XXXX for XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, PA. The direct deposits came from the employer 's payroll client, XXXX. 

On XX/XX/XXXX, upon seeing that my bonus had not yet been received, I called Bank of America customer service to ask for an explanation as to why this was. No such explanation was provided, and I was told a claim had been opened that would be investigated by supervisors. 

On XX/XX/XXXX, I visited a Bank of America financial center at XXXX XXXX XXXX, XXXX, PA to discuss with a banker why my bonus had not yet been received. I was offered no explanation, although the banker acknowledged that I had indeed met the conditions of the promotion. I was told he had no record of the claim that was supposedly filed for me over the phone on XX/XX/XXXX. He said he was going to file a new one, and expedite the process with his superiors to settle my missing bonus. 

As of today, XX/XX/XXXX, I have not received my {$100.00} bonus from opening my account on XX/XX/XXXX and meeting the conditions of the promotion on XX/XX/XXXX. I suspect Bank of America has no intention of giving me this bonus, and thus I feel compelled to file this complaint. 

I can provide all my bank records if needed. I have not currently attached these documents as I see the disclaimer regarding not uploading personal documents just yet. I also have the call logs to prove I called customer service on XX/XX/XXXX and an ATM withdrawal receipt from the branch I visited on XX/XX/XXXX to prove I was there. Please tell me if any of this is of use to you.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for XXXX XXXX XXXX First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to XXXX, was hospitalized and as a result, I missed one payment. 

According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions during XXXX however there were XXXX hours wait on the phone which would end up by call dropped or disconnected. and recently I contacted them again and their answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, has violated my rights. 



I have never been late on these accounts You stated the account information was verified. I then specifically requested additional information about the XXXX of XXXX used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.