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

As of XX/XX/2017, I have attempted to access my Equifax Credit Report Security Freeze, on-line and through their toll free number. I have been unable to process my request beyond the initial information page ; which results in notices of Unable To Process Request, Page Not Available or Security PIN Invalid. When attempting to use hyperlink for Contact US, this results in Invalid Page error. When attempting to use toll free number, this results in Service Not Available notice, after all personal information has been entered. 

There is NO available means to resolve any of the concerns, as provided by Equifax since announcement of their Security Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Bureaus. XX/XX/XXXX, and Equifax are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. DOLP and account balance are inaccurate. 

Both Equifax and XX/XX/XXXX has responded, but XX/XX/XXXXhas not responded from last compliant on balance and DOLP reported. The balance of {$4900.00} is inaccurate and the DOLP is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.
Product: Credit card or prepaid card

On XX/XX/2021 I used a XXXX search to find the american express hilton honors credit card it said this : Hilton Honors Credit Card | American Expresshttps : //www.americanexpress.com credit-cards hilto... 
Earn XXXX Bonus Points after you spend {$1000.00} in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. 

I went ahead and ordered the card and spent {$1000.00} in the first month. I did not receive XXXX points. I was told on XX/XX/XXXX by their customer service that it says in the small print of the terms and conditions that they do not give any points. This is incredibly deceiving!
Product: Credit card

I purchased a XXXX star hotel reservation i a certain area from XXXX on the telephone while looking at the hotel listing online. I received a XXXX star hotel in a different location. XXXX was promptly contacted about this error. The XXXX XXXX I spoke with named XXXX acknowledged that the booking mistake was a SYSTEMS ERROR on their part-which led to them booking a XXXX star hotel when our search criteria was supposed to only include XXXX XXXX hotels. After alengthy conversation & speaking with XXXX reps XXXX still refused to refund the charge. I informed XXXX that I did not accept the charges as they did not deliver what was agreed upon. We did not use the reservation. My credit card co Bank of America was contacted right away and told that we did not accept the charges and not to pay them. When the bill showed up on our B of A statement we disputed the charge. We received a letter from B of A stating the case was resolved and in our favor. Later @ XXXX/XXXXXX/XX/2015 I received a XXXX letter dated XXXX/XXXX/XX/XX/2015 saying their investigation found that we did engage in the transaction and that we owed the {$910.00} being charged. On XXXX/XXXX/XX/XX/2015 I telephoned B of A and spoke with XXXX to reactivate the dispute.I was told I did not need to contact XXXX directly as B of A was handling the dispute. I received a letter from B of A dated XXXX/XXXX/XX/XX/2015 on @ XXXX/XXXX/XX/XX/2015 saying again that we did engage with XXXX and that we had till XXXX/XXXX/XX/XX/2015 to have documenation sent to them to continue dispute. I was shocked at the last minute request as they had weeks to ask and inform me of deadlines and additional forms. Despite the untimely requests I faxed as they suggested, everything requested on XXXX/XXXX/XX/XX/2015. A letter wa also sent to XXXX describing the Dispute and that we were seeking a reasonable resolution to the matter. To date XXXX has not replied. XXXX position states : that I called and wanted to cancel the reservation due to not liking the hotel received. This is NOT true as I have stated above. XXXX did not deliver what was agreed upon. I continue to dispute the billing and have informed XXXX departments at B of A in writing. B of A received the letters delivered XXXX Mail XXXX on XXXX/XXXXXXXX at XXXX in XXXX XXXX, TX, sighed by XXXX XXXX. To date we have not received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and Transunion credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
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. 
XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name XXXX XXXX XXXX, and I am the one generating this report. The accounts listed in this report should not be reflecting on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681 E, 1681 I, and 1681S - 2. I have identified the inaccuracies when reviewing my report and now they I am requesting immediate correction and attention per FCRA guidelines. I request a thorough investigation onto these discrepancies and prompt removal to uphold the integrity of my credit report and consumer credit history.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Fraud Incident and Inadequate Response from USAA Bank To whom it may concern, I am reaching out to formally address an urgent matter involving a case of bank fraud and inadequate response from my bank, USAA. I have been a victim of fraudulent activity and, despite multiple attempts to resolve the issue with USAA, they have failed to safeguard my account or recover my lost funds. This negligence has led to significant financial loss and distress. 

Incident Summary On XX/XX/year>, I received a call from an individual posing as a USAA representative. This impostor informed me that there were red flags on my account, and funds had attempted to be withdrawn. They instructed me to visit a nearby physical bank, as USAA lacks a physical branch, to withdraw and deposit my funds into a new secure account they would create. Importantly, at no point did I share my PIN, password, or other account details, as they already had access to my account information. 

Preventive Measures Taken After this suspicious interaction, I contacted USAA immediately on the following day to confirm the legitimacy of this call. USAA verified that this was indeed an impostor and assured me they would red-flag my account. They advised me to change my PIN, username, and password, and I did so multiple times. I also followed their directive to unlink and deactivate any devices, as well as XXXX XXXX connections, to further protect my account. 

USAAs AssurancXXXX and Failed Security Promises On XX/XX/XXXX, a suspicious pending transaction appeared in my account, which I promptly reported to USAAs fraud department. Despite being reassured that my account was flagged and the transaction would be blocked, I later discovered that my entire balance was transferred out. I contacted USAA immediately, and they promised to prevent the transaction from completing. However, despite these reassurances, my funds were ultimately withdrawn without intervention. 

USAAs Failure to Take Responsibility When I called again on XX/XX/XXXX, a USAA representative informed me that they might hold me responsible for the loss, despite my following all their security instructions and diligently reporting each suspicious activity. USAA had ample opportunity to protect my account and prevent this loss, yet they failed to take timely action. I feel doubly victimized : first by the fraudsters and then by USAAs failure to secure my funds. 

Conclusion This entire experience has been distressing and financially damaging. I am seeking the BBBs assistance to hold USAA accountable for their negligence and to ensure my lost funds are restored. USAAs lack of action and delayed responses have severely impacted my trust, and I believe they must take responsibility for their oversight. 

Thank you for your time and consideration of this matter. I appreciate any assistance you can provide in ensuring that USAA upholds its commitment to protect its customers. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$990.00}
Product: Credit reporting or other personal consumer reports

I sent EXPERIAN certified mail XXXX In which I requested update to my addresses and full disclosure of my consumer file. I have not yet received a response to either request.
Product: Credit reporting or other personal consumer reports

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

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

I brought my loans to an active status and it was suggested by UHEAA that I consider consolidating my loans. I elected to do so. In 2018 I consolidated my loans with XXXX as it was a " sister '' company wit UHEAA and located here in Utah, locally. I recently had my credit report pulled to prep to purchase a new home. There is a report on my credit dated in 2018 just before I consolidated my loans, causing my credit score to have a pretty substantial hit. I contacted XXXX to figure out what it was. They informed me that it was a hit from UHEAA, who I contacted immediately. UHEAA stated that as the account was closed and paid, as part of the consolidation, which they recommended, that they " could not do anything about the hit '' on my credit report. I plead my case, stating that I did everything they asked, got my accounts current, consolidated on their suggestion, and they are still dinging me on my credit. This hit, which was done while I was consolidating, and I would not have been able to consolidate if there was any delinquency on my account, is preventing me from securing a much better financial situation to purchase a new home. 

Again, I plead my case to UHEAA, who repeatedly stated there was nothing they can do. This does not make sense as they are the entity who applied the hit. Again, I did everything as they asked and complied with their programs. I need this hit removed so that I can continue to move forward in providing for my family.
Product: Checking or savings account

I normally receive direct deposit from Capital One on Wednesday evening. It is now Friday afternoon and I still havent received my payroll. I like many other customers depend on my income in made to be on time. Also the company only notified me yesterday that there was even a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/XXXX I sent a inquiry removal letter to Transunion and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately!
Product: Debt collection

My girlfriend and I both received identical letters ( attached below ) from I.Q. Data International , INC via USPS stating that we owe {$690.00} to XXXX ( XXXX  ). Knowing that this debt does not belong to us, I composed a debt verification letter ( attached below ) requesting verification of this debt with proper documentation. After checking the box indicating that we are disputing this debt, I returned the initial letter along with the debt verification letter to I.Q. Data International via certified mail. I utilized certified mail to ensure that I would receive notice upon delivery ( attached below ). Under federal law, I.Q. Data International is required to provide us with documentation verifying this debt within thirty days after receiving our request. They received the debt verification letter on XX/XX/XXXX This can be verified by the signed return receipt, which I have attached below. Because they failed to respond I assumed that they were unable to validate the debt and therefore, I considered this matter closed. However, my girlfriend continues to receive multiple phone calls a day, during which they attempt to bully her into paying this debt immediately. They have also wrongfully sent our debt to credit report agencies which has negatively affected our credit scores. After reviewing the steps we have taken, I suspect their actions violate our rights under federal law. Along with this complaint I will also be filing complaints through my state attorney general as well as the Federal Trade Commission. We do not wish to press charges against I.Q. Data International, although we are certain their actions would justify it.
Product: Debt collection

I have 3 PayPal loans. One of them ( it turns out ) is with Synchrony Bank. I've had challenges with PayPal in general ... and they all seem to have to do with my e-mail address. I've been called repeatedly about this Synchrony Bank account ... and I've explained on numerous occasions that I can not get into my account. They want me just to pay ( without seeing an invoice ) ... I'm unwilling to do this. There are so many things that have occurred that are just so scam-like. You can not reach a supervisor ( customer " service '' personnel refuse to transfer you ). This bank has an impressive Board of Directors, but so did XXXX! Honestly, I believe this is a total scam. I can't get the information from them. Can't escalate this ... what is a consumer to do??? I'm happy to pay my debts ... just want access to the account on which I'm paying.
Product: Vehicle loan or lease

Complaint Summary : Deceptive Lending and Collection Practices I purchased a XXXX XX/XX/XXXXon XX/XX/XXXX, from XXXX XXXX in XXXX, TX and financed it through Credit Acceptance Corporation. The loan terms were not properly disclosed to me, and I believe the loan was issued under predatory lending practices. 

Despite making payments for several years, the vehicle was repossessed in XXXX. Following the repossession, I received a collection letter from XXXX and XXXX in XX/XX/XXXX, stating that I owe a deficiency balance of {$10000.00}. This amount seems excessive, and I was not provided with a clear breakdown of how it was calculated. 

Issues with Credit Acceptance Corporation : Lack of Proper Disclosure : At the time of financing, the full loan terms were not clearly explained. 
Predatory Lending Practices : Credit Acceptance has been sued for unfair lending practices, and I believe my loan falls into this category.

Repossession & Deficiency Balance Concerns : I was not given a fair chance to settle the debt before repossession, and the deficiency balance appears inflated.
Product: Mortgage

I have been trying to get help lowering my mortgage payment from Nationstar for about three months. Specifically the XXXX loan. The first person I spoke to stated it would cost about XXXX in closing costs and the second person told me it would be about XXXX. I want to keep my home. I just retired and I take car of my XXXX daughter. I hope you can help me.
Product: Mortgage

I am a XXXX year old single, XXXX woman who applied for mortgage refinacing under the HARP program from Wells Fargo. My story could be a best seller relating to all the wrongs Wells Fargo, XXXX, XXXX XXXX XXXX and XXXX XXXX do to their customers. 
Because my story is a long one full of descreprencies and discrimination aagainst me, here is my present situation. 
Wells Fargo REFUSED to both lower my interest rate which is presently at 5.6 % or lower my payment. However, they did decide to lengthen my conventional loan of 30 years to 45 years..thus lowering my payment from {$1500.00} to {$1400.00}. I would never be able to pay this loan off, but this was their best and only offer of assistance. 
I need help refinancing which is why I applied in the first place. I lost all of my money in the stock market due to fraudulant activities of the companies executives..but until it is resolved in the court system, my only income in from Social Security XXXX and a small annuity adding up to {$1600.00} per month. 
As you can see my situation is both desperate and immediate and I feel that WF is just waiting for me to miss a payment ... which will be next month if I do not get help ... .so they can foreclose on me. 
My home is up for sale but so far no takers. 
I truley and justly feel that I have been discriminated against. 
Please, I want to keep my home. I need for WF to do what the HARP program promised they would do ... lower my payment. 
Because I feel I have a just case against them, I want them to grant me a large reduction in my payment ... a reduction of {$500.00}. 
This would help me to keep my home, which is the sole purpose of the HARP program. 
I could go on to give you a list of all the wrongs that these companies have done to me in the past 10 years. It is time for them to stop and undo the damage. 
Thank you for your assistance with this most urgent problem. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX XXXX ; XXXX On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

This company was reporting a debt on my credit report that was not familiar to me. After seeking legal council I was advised to exercise my right to request validation of the account pursuant to the Fair Debt Collection Practices
Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the account with the credit bureau following my dispute with the credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern about the disputed accounts on my credit report. Despite multiple attempts to have these inaccuracies addressed, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and severely impacting my ability to lead a normal life. 

The consequences of these inaccuracies have left me in a challenging situation, and I urgently seek your assistance in resolving this matter. I respectfully request a thorough investigation into the reporting of each disputed account. It is essential that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.