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

EQUIFAX REFUSES TO ADDRESS MY CONCERNS. THEY CONTINUE WITH THEIR RETALIATION. THEY TOOK AN ADDITIONAL 8 POINTS OFF OF MY CREDIT REPORT WHEN I MISTAKENLY OPENED A CHECKING ACCOUNT IN MY CREDIT UNION AND IMMEDIATELY CLOSED IT. MY CREDIT UNION SAID THAT EQUIFAX SHOULD NOT HAVE DONE SO. I HAVE NO CHOICE BUT TO STEP UP MY COMPLAINT PROGRESS AGAINST EQUIFAX. THEY SENT ME SOME DOCUMENTS THAT DID NOT ADDRESS MY ISSUES. THEY STILL HAVE VERY OLD DEROGATORY INFORMATION ON MY REPORT. THEY ARE THE LOWEST REPORTING BUREAU OF ALL THREE CONSISTENTLY. THEY REFUSE TO ADDRESS ISSUES ACCORDINGLY. EQUIFAX WILL REPLY TO THE COMPLAINT WITH STANDARD EVERYDAY ANSWERS THAT ARE USED FOR EVERY CONSUMER EQUIFAX IS FRAUDULENTLY REFUSING TO CHANGE CREDIT SCORES. I AM WRITING MY CONGRESSNAN AND STATE ATTORNEY ABOUT THIS. I DEMAND THAT THEY ACCURATELY REFLECT THE CHANGES OF MY MORTGAGE AND MY CREDIT CARD INCREASE. I NOW DEMAND THAT THEY REMOVE ADDITIONAL ACCOUNTS AS A FACTOR FOR DECREASING MY SCORES. EQUIFAX IS A POOR CREDIT REPORTING SOURCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Not credit reports exist with XXXX  & Equifax. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX reporting.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to XXXX XXXX  XXXX ( Address : XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Phone : XXXX XXXX XXXX XXXX ) to fill up the car with gas ( XXXX sedan ) that we rented before returning it to XXXX. I gave my Bank of America Alaska Visa credit card to the attendant and he ran the card through his machine. He then told me it did not go through and he needed another card. I gave him a second Bank of America XXXX to try. He ran the card through his machine and then told me it did not go through either. My fiance then gave the attendant his Bank of America credit card. The attendant said this charge went through. The attendant did not provide us with any receipts. When I looked at my credit card transactions on both cards, I saw that the charge from XXXX to my Bank of America Alaska credit card in the amount of {$100.00} and the charge from XXXX to my Bank of America Mastercard in the amount of {$84.00} both posted. The charge to my fiance 's credit card in the amount of {$60.00} also posted to his credit card. When I attempted to contact XXXX, I got a message saying the party was temporarily unavailable. I filed disputes on both transactions on XX/XX/XXXX through Bank of America and provided supporting documentation. On XX/XX/XXXX and XX/XX/XXXX, I received letters from Bank of America stating that they were unable to determine that a billing error occurred and they issued credits to my account for the disputed charges. The letters also stated that Bank of America was considering the dispute resolved but the merchant would have the opportunity to present new information on why the charges were valid. On XX/XX/XXXX, I received another letter from Bank of America notifying me that they reviewed the details of my dispute on my Alaska Visa credit card and were unable to pursue the dispute further. My Bank of America Alaska Credit Card was then charged the original disputed amount of {$100.00}. I called Bank of America to ask why my account was charged and was told that XXXX provided signed receipts for the transactions and because it was a chipped transaction, they had to consider it valid, and I was required to pay it. I did not sign any receipts when I was at XXXX because the attendant told me his machine was not working. I requested an appeal of Bank of America 's decision but was told because the signed receipts were provided by XXXX, there was nothing I could do, even though I did not sign anything and the receipts must have been forged. On XX/XX/XXXX, my Bank of America Mastercard was charged the original disputed amount of {$84.00} without any explanation from Bank of America.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed on XX/XX/XXXX reported that my account withXX/XX/XXXX was in collections with them. This is against the law to report my credit by anyone without my written permission. 

XXXX XXXX XXXX - Acct. XX/XX/XXXX - Amt. {$160.00} In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I have been enrolled in the Public Service Loan Forgiveness Program since XXXX. I have recertified my loans as required, and have never missed a payment. I am approximately 7 years into the program. Each time my loan splits into separate loans because of the maximum balance allowed, the payments are not updated. I recertified in XX/XX/XXXX, and am now showing only 10 qualifying payments. I have reached out numerous times and all but 10 of my payments since XXXX are under manual review. They have been under manual review for about 6 months. Each phone conversation I have has resulted in no advancement in the updating of my PSLF status. I am given vague answers with reasonable time frames to expect resolution, however my payments continue to be uncounted and my account remains outdated. I need this updated so I can plan when my loans are expected to be forgiven, and be sure I am being credited accurately.
Product: Checking or savings account

I hope this message finds you well. I am writing to address a matter concerning my recent banking experience with SoFi Bank. 

In early XXXX, I initiated the process of opening a checking and savings account with SoFi Bank. Upon completion of this process, I directed my XXXX tax refund in the amount of {$10000.00} to be deposited into said account. The XXXX  successfully processed this deposit on XX/XX/2024. 

Subsequently, SoFi Bank has placed restrictions on my account, citing suspicious activity triggered by the receipt of my tax refund. In response to their request, I promptly provided them with the necessary identification documents to verify my identity. Despite completing this verification process successfully, my funds have not been released. 

As a result, I find myself in a challenging financial situation, compounded by the inability to access my own funds. I am experiencing financial hardship and my circumstances are worsening. 

I kindly request your assistance in resolving this matter promptly, as the delay in accessing my funds is causing significant XXXX. I have XXXX toddlers and currently going through a XXXX I need all the help I can get. 

Thank you for your attention to this urgent matter.
Product: Bank account or service

I accessed an ATM machine at XXXX XXXX XXXX. I was charged {$3.00} fee, which I understood to be for using non-bank ATM Fee. However, i was charged additional {$3.00} from my bank for charging a different bank 's ATM Fee. I was charged total of {$6.00} for this transaction. {$3.00} by my bank and then {$3.00} by the other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Student loan

I have had the loan for ten years now, i have never been able to pay the loan balance down and the loan has doubled in size ever since. 

I have never gotten correct information regarding my loan and was never advised or told how changing the due date would affect my payments and make them late. 
I was enrolled in a rate reduction program and never see my loan balance decrease. I would like to know how my payments are being applied. 
I recently lost my job and they told me i had no options and nothing they could do for me. 
Even though i make payments i get harassing calls all day long, and letters. 

I am paying XXXX a month, but i also get a bill to my house for XXXX dollars which i dont understand. i feel i have been defrauded by this company and have been paying for the last 10 years and my balance has gone up by 59 %. ON many occasions i have been told no, i cant be helped no and i am still getting charged for things im un aware of in ten years my balance has never gone down.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX while I was in XXXX  I had my father put a freeze on my account after learning that someone had attempted to open a credit account in my name. Since then I am not able to manage freezes on my account. I am now out of XXXX  and we are not able to log in to the Experian website to temporarily lift freezes. Your website 's online login and password recovery system does not recognize my SSN as being valid, so I can't recover my password. When I call Experian, their automated phone menu will not allow me to talk to a live person since it don't recognize my SSN as valid. 

THREE times now I have requested that Experian provide me some way of recovering my login, and so far the only thing they've done is given temporary lifts on the freeze. On about XXXX XXXX XXXX  as requested in their last response to me ( Report XXXX ) I replied with a letter including copies of my drivers license, pay stub and recent bank statement. I have not received a reply and it appears from the response I got from XXXX after an attempt to open an account with them today that my Experian account is still locked. 

I am attaching a copy of the last letter I sent Experian. 

I need Experian to contact me via the contact info listed below and supply me with a working method to reset my password. I am no longer living at my old XXXX XXXX XXXX address, so it is important that mail no longer be sent there..
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XXXX, I finished most of my application but stopped at where they asked me for my photo ID because after research I saw it was not a good card. 

The reason they asked for my ID was because I have an extended fraud alert on my credit report.

The company decided to open the card anyways without me sending over the required documents, so they charged me an annual fee or something and now I owe on that card. Once I saw this on my report I immediately disputed it but they didn't remove it.

If I didn't submit the requested documents for verification they can not open the account, that would be fraud. I have tried numerous times to contact the company and they do not understand the issue or I can't get a hold of a human.
Product: Credit card

Today ( XX/XX/2023 ), I received an email from Citi Bank advising me of a credit revision. The email was extremely generic, stating XXXX gave them information on me but had no part in the decision to lower my score and therefore couldn't tell me why they did it. 
My credit limit was dropped from {$7500.00} to {$5300.00}, leaving just over {$200.00} available credit. 
I have never missed payments and have always paid more than the minimum ( usually $ XXXX {$200.00} more than required ), but they still dropped my limit and won't tell me why. 
When I reached out, the representative at Citi ( XXXX ) copy/pasted the original email as her response, and when I pointed out it said XXXX had no part in the decision and couldn't give an answer, she said my issue was unfixable on her end and to call XXXX. I told her I did not qualify for such a drastic drop in credit, that this was a blatant violation of the FCRA, and that there is a note in my XXXX file ( been there 5 years ) stating my refusal to acknowledge or authorize their copy of my report as it contains old/inaccurate information, and she disconnected the chat.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX  XXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from Experian. I have never opened or authorized the account described below, and I am demanding its immediate removal from my credit report. Despite having been in great standing with all of my correct and verified XXXX XXXX accounts, this account does not belong to me. I have disputed this account on multiple occasions and have not received any proper validation from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : Experian Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$0.00} Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
I have an impeccable record with my legitimate XXXX XXXX accounts, all of which are in good standing. This disputed account is clearly an error, and I am requesting immediate validation of the account or its deletion from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
This letter serves as a formal request for the original creditors signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have received no communication regarding my previous disputes, violating my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and facilitate the removal of this erroneous account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure the resolution of this issue in accordance with federal regulations. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been complying with all of their Instructions and sent my Government Issued ID 4-5 times and they keep on saying they can't read it or it's blurry.I don't know what else to do.There are credits money being refunded to these cards and they are probably denying them as well.This Capital One XXXX XXXX XXXX has been in default for months and they keep denying my ID? So I can't use my cards and they are not doing nothing.How can a Government Issued ID be Blurry? I copy it on the printer and fold the paper not on the ID or the back of the ID but so it's not creased in any way and still they say they can't read it? I don't understand this .This has gone on way too long for a Dispute.Why are they not accepting my ID? This is very upsetting to me, everyone else in my household can read it, Why are they refusing it so many times? Please help me so I can pay these off and delete my accounts totally with Capital One Credit Cards.Thank You so much.
Product: Credit card or prepaid card

I am the XXXX XXXX XXXX  XXXX and trying to assist Mr. & Mrs. XXXX in collecting their money from Direct Express. Mr.XXXX  is an XXXX year old veteran and has been deemed incompetent by the VA. His wife XXXX has been named his fiduciary. 
In XX/XX/2011Mr. XXXX began receiving service connection benefits from the VA. He had these funds deposited monthly to a Direct Express Card. Due to his forgetfulness he put the card up and did not tell his wife he was receiving the money. His wife did not realize what was going on until I began to work with them. These benefits have been accruing since XX/XX/2011but XXXX XXXX refuses to give his wife access to the account since she is not on the account. As per their instructions I sent XXXX fiduciary letter, marriage certificate ( wife ), birth certificate ( wife ), NC Drivers License ( wife ), copy of original Direct Express Care and VA payments screens. Direct Express said that was not good enough and hung up..Direct Express requested to speak to Mr. XXXX but he is in a memory facility and deemed incompetent. Direct Express is not willing to help at all!. I even asked how to add his wife to the account and they hung up on me. 
Any assistance you could give would be helpful. Mr. XXXX desperately needs these funds to pay for his XXXX home care. 
The VA is unable to assist because the funds were deposited correctly. 
For additional information you can reach Mrs. XXXX at XXXX
Product: Debt collection

I noticed my credit report, and its and account inserted   XXXX   XXXX   XXXX   XXXX  ,  i never opened this account. This account does n't belong to me.
Product: Credit card or prepaid card

XXXX has pulled my credit 10 times on my all of my store cards then proceeds to reject my credit limit increase requests stating that they werent able to pull my credit. I now have over 10 inquiries from them for them, and theyre fraudulently saying they were unable to pull it. The accounts that were pulled were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

I send money from my HSBC account in the USA to my XXXX account to transfer a tax treaty refund from the IRS to XXXX  for the year XXXX. I used the same method several times a year for another transaction, and it worked. On XX/XX/XXXX, I sent by the same setup XXXX XXXX Even though the exchange rate was unfavorable, I decided to use the HSBC service for safety and urgency. On XX/XX/XXXX, I received back XXXX $ with the explanation that the transaction was canceled. I sent XXXX $ immediately on the same day as I assumed there were issues with the amount, not the method as it worked before ; I still have no information regarding this transaction, but I assume it will happen. I was shocked to lose almost {$500.00} $ and started an investigation with XXXX banks and HSBC. The HSBC customer representative said there are no issues on their side as they convert money to XXXX and send it to the XXXX site. XXXX bank replied that they received XXXX for the transactions, and the branch number was not provided in the transaction details ; they returned the same amount of money to HSBC. HSBC bank converted received funds into USD on their internal rate, and I lost XXXX XXXX I discovered a fault in the HSBC mobile app, which was created intentionally or by a glitch that changed/removed the branch number. HSBC does not admit its fault and is not looking to reimburse losses created by its mobile app and change the rate.
Product: Mortgage

When XXXX XXXX XXXX  sold Mortgage Loan to Rushmore Loan Management Services Inc. the said company resumed the demand to pay the outstanding balance for the mortgage loan which I already mentioned to them I am not behind on mortgage payment. So I submitted supporting documents to support my statement. From this submitted supporting documents, a Staff was assigned to resolve the issue. her name is Ms. XXXX XXXX. After talking and explaining to Ms XXXX about how the issue or problem was developed, she apparently shown a deeper understanding on how to resolve the issue. I requested to get all the phone record of conversation while I am making a payment over the phone every 2nd Tuesday or Wednesday of the month. Ms. XXXX promised she will do so but after almost two weeks past, Ms. XXXX was removed from her assigned duty. instead I got letter from Rushmore about the information provided by XXXX XXXX XXXX were correct. The question how can it be correct when our Mortgage statement last XXXX and XX/XX/2013 were current. In fact two loan mortgage payment were recorded on our property and yet the XX/XX/2013 mortgage statement shown we were 2 months behind then XX/XX/2013 we were 3 months behind? The question How? when two mortgage payments were recorded on XX/XX/2013 then there was record of payment for the month of XX/XX/2013. Do they know really what they were talking about?

This problem they are just dragging it around make me very stupid like I don't know what I am complaining about.