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

On Tuesday, XX/XX/XXXX I requested a free copy of my credit report from Experian through Experian 's website ( experian.com ). I accessed the website and made the request through a mobile device ( 5 inch screen ). I understand that, under the law, I am entitled to one free report each year from each of the credit reporting agencies. This was the first time in more than a year that I requested a free report from Experian. 

When I was at the Experian website, I clicked on a link for a purportedly " Free '' Credit Report. Experian asked that I input certain personal information through the website to verify my identity. It also asked that I input my debit card information, which I believed was also to verify my identity. 

Unbeknownst to me, however, the offer of the " Free '' credit report led me to an area of the website where Experian -- without disclosure that was readable on my mobile device -- signed me up for some sort of membership program. I did not find this out until a week later when Experian took it upon itself to charge my debit card {$21.00}. 

On Wednesday, XX/XX/XXXX I called Experian 's customer service number. I was greeted with an automated system that made it difficult to speak to a customer service representative. I cancelled my supposed membership through the automated system. The automated system then disconnected the line. I immediately called back, and, after several tries, was able to connect to a customer service representative. When I explained I wanted a refund, the customer service representative stated that he would place me on hold for a few minutes to connect me to the department that handles refunds. 

I spent over 45 minutes on hold. When the customer service representative from the refund department answered, she claimed that the website explicitly stated that my card would be charged {$21.00}. I told her that I accessed the site through a mobile device, and saw no such disclaimer ( or at least one that could be easily read ). I again asked for a refund, and further explained that I did not access any services other than my credit report ( which did come with a credit score, but I never asked for that ). She responded that she would check to see if I was eligible for a refund. After placing me on hold for a few minutes, that customer service representative returned and stated that Experian would not issue me a refund. I told her that I would then file a complaint with the appropriate agency or agencies. She did not respond. I then hung up.
Product: Debt collection

to much to tell bottom line I gave my ex wife marital home threw divorse XXXX years later I filed bankruptcy my ex let the home go back to bank they hurrase me with filing loss with my old homeowners ins in my name documents keep coming a lot more need help and to file a federal suite against bac home loans
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against SYNCB. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have equifax to delete the
Product: Credit card or prepaid card

I had this Chase Sapphire credit card for more than four years, I never had a late payment and I always was a good customer. 
Just recently received a letter from Chase that theyre closing my account and they dont provide any information why and when I contacted customer service they said they cant say the reason due privacy concerns, they can not share the information and just dont want to do the business anymore .Ive paid annual fee for this credit card every year and now they just want to close it without providing any reasons.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Deletion and Blocking Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Sir/Madam, I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Blocking of Accounts : Any accounts or personal information that have been impacted by the breach and are listed on my credit report should be blocked and not included in any credit report issued by your company. 

Deletion of Information : Any accounts, information, or records related to the data breach should be deleted from your files, as permitted under FCRA 1681c-2 ( a ).

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Equifax Report Number : I respectfully request a prompt confirmation of this action and an updated copy of my credit report once the necessary actions are taken. 

Please notify me of any additional steps I must take to ensure the removal and blocking of the compromised accounts and information. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to process my request, please do not hesitate to contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Product: Mortgage

The servicing of my loan was transferred from XXXX XXXX  XXXX who has been servicing my loan under contractual agreement with XXXX XXXX XXXX  to loancare LLC on behalf of XXXX XXXX XXXX XXXX effective XX/XX/2019. My original mortgage documentation reflects that I will not be charged any pre-payment penalty. The notice of servicing transfer that I got from XXXX XXXX also says that the transfer of the servicing of my mortgage loan will not change anything else about my loan. 

This new loan servicing company is now trying to charge me a pre-payment penalty. I never signed any documentation reflecting that I had a pre-payment penalty. I have made numerous telephonic attempts to resolve this issue with Loancare. Each person I speak with insists that this is a legitimate fee. I have been on hold for hours each time I call. I do not appreciate them adding erroneous charges to my mortgage. This is in the least unacceptable and at most illegal. 

Please address this issue as soon as possible as I am sure I am not the only customer that is being abused in this way. 

Thank you in advance for your assistance in these matters of mutual concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section  611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit card or prepaid card

A few months ago I had a dip in my credit score which Caused Bank of America to make the decision to close my Credit Card account that I help with them. At that time, I had not made one late payment to THEM but because of my scores, they closed my card. I called a few times to try and fix the situation because their actions further affected my credit which is not fair to me as a consumer. I am now on the hook for over {$2500.00} on a card that was closed because of no fault of my own.
Product: Student loan

I have pleaded with this company on many occasions of the amount they want a month. I can not afford to pay what they want and stated that to them. They state that is the least amount they will take. I do pay at least {$75.00} a month. This is about to go into default now. The company is Firstmark services. When XXXX XXXX XXXX had this account we never had a issue then they sold this to Firstmark and it has been a mess ever since. There should be recorded calls of me asking them to work with me.
Product: Money transfer, virtual currency, or money service

My contact info ( email and phone number ) was fraudulently changed on the Cash App provided through Square Inc on XX/XX/19, I reported it XX/XX/19 via XXXX because I had no ability to contact support without access to my account. I immediately responded on XX/XX/19 to a request for more info, but heard nothing in response. I followed up XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX they responded to a follow up XXXX post, but did not address the issue saying that they " did not determine the transaction was fraudulent. '' Although, I never disputed a transaction since I have not been able to access my account and see what activity occurred. I have had no response and no resolution. I do not know if fraudulent activity had occurred on my account because I still don't have access and can't get resolution on my account. It's possible I may have received funds and the person with access may have stolen money, but the company has neglected to return control of my account to me or provide any information resolving my issue. 

-- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in this matter ( EXPERIAN ) hasnt solved any issues in their response. In fact, their response was unethical. As per my right according to FCRA Act Section 611, i asked for method of verification used in coming to the conclusion that whats being reported on my credit file is indeed accurate. Furthermore, under the FACTA Act Sec 312 ( b ) and ( c ) I also requested any and all documents used in determining validity on this account. Not only did Experian fail to adhere to my rights by law, they tried to deceive me by stating they sent me a result summary on this matter XX/XX/XXXX, of 2021. It seems as if Experian doesnt agree with common law practices and takes pride in violating human rights. I am requesting as per the FACTA ACT SEC 312 ( b ) and ( c ) and as per my human rights too please send me all documents used in determining the validity of this account. This account is not valid, and if you cant adhere to my request I am requesting it be deleted immediately.
Product: Debt collection

In my complaint XXXX the company flat out lied saying that I called before they were open. I am including a screenshot of my account showing they were in fact open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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
Product: Mortgage

On XX/XX/25 we received a notice from XXXX XXXX XXXX that our city property taxes are delinquent and are accruing interest and penalties. We called Cadence Bank and the woman we spoke to confirmed that they had failed to pay BOTH our city XXXX XXXX taxes this year out of our escrow account. She implied that our escrow account had a XXXX balance, and we were able to pull up our escrow balance of {$6400.00} and read it off to her. She said that she would send an email to the mortgage department but could not provide any clarity on what action Cadence Bank intends to take to settle our delinquent tax bills and account for the large, growing penalties being levied against us.
Product: Credit card or prepaid card

on XX/XX/2018i was sent a card WITH MY FULL NAME EMBOSSED ON IT. i did not request this card, apply, or in any way have EVER done ANY bussiness with this company. i could not get to talk to an agent as their phone system asks for my social security number before putting me through a rep and i am not giving them my social
Product: Mortgage

XXXX  is refusing to refund escrow funds for loan # XXXX This was paid off in XXXX They said they transferred the loan to XXXX XXXX on XX/XX/XXXX but XXXX XXXX has no record of the loan, which makes sense because the balance was zero to begin with. 

I need {$5600.00} refunded in escrow which XXXX  is withholding or misplaced XXXX XXXX is not in possession of my escrow funds either. I was also given a bogus loan number of XXXX XXXX XXXX has no record of.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX :   Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry date : XXXX XXXX, XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX
Product: Credit card or prepaid card

Best Buy purchase almost 2 years back. All payments made on time. {$1500.00} balance, {$670.00} interest added all at once in XX/XX/2019 for total of {$2100.00}. Was told payoff was {$1100.00} but another {$300.00} in interest would be added if paid off. Called to inquire, told it was a program with interest added at the end.
Product: Credit reporting or other personal consumer reports

This is related to my previous CFPB report : ID FOR COMPLAINT SENT TO EQUIFAX XXXX which was created last XX/XX/XXXX. 

I called Equifax to remove the fraud inquiries from my report. The supervisor told me that they would remove it and gave me this confirmation # XXXX. After checking, the hard inquiries were not removed! I called and their representative was so rude and asked me to resend my FTC which is absurb because XXXX removed the same fraud inquiries without this hassle. 

I am reattaching the documents again and please forward them to Equifax. I need your help to please remove them from my report ASAP! I am taking legal actions if this won't be resolved. 

FRAUD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX 6. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX  Account Number : XXXX Delete this account. 
XXXX. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Mortgage

I am in the process of refinancing my home with a VA IRRL. I began the process at the end XXXX with XXXX XXXX at Lakeview XXXX # XXXX. I have requested NUMEROUS updates and received nothing until XX/XX/XXXX. I was notified on the XXXX that my loan was approved and that I needed to hurry up for closing on the XXXX of XXXX. I was never updated on the status of my file prior to that. Under ECOA I should have be given some type of disposition within 30 days of application ; that NEVER happened. On the XXXX the processor cancelled my closing and has yet to provide me with an update for rescheduling my closing. I have left messages for the processor, processing manager and loan officer 's manager ; NO ONE has responded. The loan officer suggested that I contact another lender. I can only assume that this is avoid additional costs that they don't wish to incur as a result of the delays. 
It is unfortunately these types of transactions that give lending a bad name. I hope that someone takes this more serious than Lakeview has done. My loan # XXXX These delays have cost me the ability to save on my rate as pricing has changed since XXXX and they are not willing to close my loan due to errors on their part that we cost them money. 

thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u s c 1681 EB whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Time of payment 15 u s c 1666 B A creditor can not consider a payment on an open end consumer credit plan as late unless they have mailed or delivered the periodic statement to the consumer at least 21 days before the payment due date. 
I am requesting 1. periodic statement 2. Information from 1637B 3.mail or deliver 4. No later then 21 days or less 5. requesting mail tracking number of mail back date from recieve, negative information law requirement 1681a ( p ) shall provide notice information
Product: Credit reporting or other personal consumer reports

Received credit alert that this company had pulled a hard credit inquiry. I was told by the company to contact the credit bureaus as they were unable to assist.
Product: Checking or savings account

Beginning XX/XX/XXXX I have contacted Capital Ones Fraud team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX