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

Equifax prevents me from placing a credit freeze on my account. I've tried all three methods on their site, from sending them mail, to attempting to sign up for an account ( like 15 times, and it always directs me to an error, telling me to call them ) Then I call them, give all my details, confirm they are correct, and they said " sorry, but we couldn't verify your information ''. The mail elicits no response. Today, tues XX/XX/XXXX, I tried calling and making an account again, but to no luck. My previous attempts were a few weeks ago.
Product: Debt collection

In XX/XX/XXXX I noticed I had a collection account on my credit report so I disputed it with XXXX it said credit collections, and I owed {$1800.00} and XXXX got back to me on XX/XX/XXXX and said they verified the account belongs to me so I decided to call the collections account that was on my credit report and they told me the debt was from XXXX so I called XXXX and they informed me a policy was opened XX/XX/XXXX of XXXX in my name and then a driver was added and his name was XXXX XXXX at the address XXXX XXXX XXXX XXXX XXXX  XXXX and the insurance policy was for a XXXX XXXX XXXX XXXX and I never owned a XXXX and Ive never had insurance with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX
Product: Debt collection

Didnt receive validation letter from the collection company of this debt either through the mail or electronically before being placed on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint regarding identity theft and fraudulent activity on my credit reports. I turned XXXX in XX/XX/XXXX and, upon reviewing my credit reports, I discovered that I am a victim of identity theft. Specifically, I have found XXXX XXXX accounts listed in collections on my credit reports, which I did not open or authorize. Additionally, there are numerous unauthorized inquiries listed on each of my credit reports. 

Details of the Issue : Date of Birth : XX/XX/XXXX Accounts in Collections : XXXX XXXX accounts that I did not open. 
I Unauthorized Inquiries : Several unauthorized inquiries on my credit reports, which I did not consent to or initiate. 

I request that the fraudulent XXXX accounts be removed from my credit report and that the unauthorized inquiries be investigated and cleared from my records. I also request that the credit bureaus and any involved parties take immediate action to correct my credit files to reflect accurate information. 

As a youth in care, I did not have the necessary guidance to protect my personal information, and I need help resolving this matter to ensure that I can move forward with my financial life without the burden of fraud. I am requesting that the CFPB assist in facilitating the removal of the fraudulent accounts and inquiries, and that proper steps be taken to prevent future occurrences of identity theft. 

Please let me know if you require any further information or documentation from my end to support this case. I appreciate your prompt attention to this matter and look forward to its resolution. 

Thank you for your help. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a cyber attack in which people 's social security numbers, names, addresses, credit card info were compromised. I enquired if I was one of those people and was directed to their website to determine if indeed I was. It confirmed that I was indeed one of those people. 
They offered to monitor my credit for free for a year. I would be losing my ability to easily hold them accountable and to have them rectify the situation by signing their agreement. Unacceptable.
Product: Checking or savings account

Ally Bank refused to accept my dispute of $XXXX  dollars for an ATM transaction. They went ahead and reversed the credit previously issued. When I asked them to provide paperwork to substantiate their investigation, they retaliated and did not like it and decided to close my account. So far I have not received any paperwork on how they came about to their conclusion that the ATM transaction was valid. I never got the cash and disputed the transaction. I have been with Ally bank for more than 10 years and I have never complained to them or had many disputes. I believe Ally bank did not have any paperwork to provide and instead decided to close my account without an explanation. I believe Ally bank is not providing proper banking rules and should be fined. Today I received a letter to my surprise that my account would be closing on XX/XX/XXXX. I have started withdrawing my funds of almost XXXX to avoid any issues but would like this bank to be fined or investigated. For a simple $XXXX dollar dispute that they could not come up with an explanation they decided it was best to let me go and did not provide any documentation that there investigation was valid. I think they are lying and don't have nothing to provide and instead committing fraud and breaking the rules of the banking industry. They were trying to kick me out and silence me without saying nothing. But now they will have to give an explanation of what happened and why they decided to close my account. Also something I would like to add is that this bank lowered their interest rates where it used to be at 2.20% and now I believe is 1.9% and I did get notified until months later. They don't follow proper procedures. I called them and asked them what their rate was one day and to my surprise it had gone down. I had an issue also with this bank in XX/XX/XXXX when they also refused to honor my dispute and delayed the process for 6 months until I complained. This bank does not follow proper rules. I have copies of all correspondence for your information as evidence. I will provide copies of paperwork at a later date to give me time to gather them.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, Experian, and XXXX breach.
Product: Credit card

I made a {$2100.00} payment from the wrong bank account so the payment was returned. This was my mistake but capital one didnt give me the chance to even correct my mistake they closed all my credit cards that I have with them. All which were in good standing. I have the money to pay the balance owed and they wouldnt let me correct the payment and reopen or even appeal my situation.
Product: Student loan

I RECEIVED A LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXXXXXX XXXX. ( ATTATCHED ). THE LETTER INFORMED ME THAT THEIR OFFICE WAS RETAINED BY XXXX XXXX XXXX XXXX XXXX XXXX TO COLLECT A DEBT. I CALLED THE NUMBER PROVIDED AND EXPLAINED I HAD KNOW IDEA WHAT THIS WAS ABOUT. ALL MY STUDENT LOANS WERE CONSOLIDATED IN XXXX. I HAD NOT RECEIVED ANY BILLS FROM THIS COMPANY AND ALL OF SUDDEN IA MTHREATENED WITH A DEBT COLLECTOR. I TOLD THE ATTORNEY ( XXXX XXXX ) TO SEND ME PROOF OF WHAT HE WAS TALKING ABOUT. 
ON XX/XX/XXXX I RECEIVED AN EMAIL FROM MY FORMER BANKRUPTCY ATTORNEY 'S SECRETARY ( ATTACHED ) WITH AN ATTACHED LETTER FROM THE XXXX XXXX XXXX ( ATTACHED ). THEY SENT MY FORMER ATTORNEY DOCUMENTS SIGNED ON XX/XX/XXXX FOR A XXXX XXXX LOAN ... NOT XXXX XXXX XXXX XXXX  BUT THESE DOCUMENTS WERE NOT MAILED TO ME. WHY? MY BANKRUPTCY ENDED A FEW YEARS AGO. 
I NEED HELP BECAUSE I DO NOT BELEIVE THIS COLLECTION IS CORRECT. I REFINANCED MY HOUSE LAST YEAR AND THIS NEVER CAME UP AS AN ISSUE. I CONSOLIDATED MY STUDENT LOANS AND YET I AM GETTING AN UNEXPECTED HARRASMENT FROM THIS LAW FIRM REPRESENTING THIS XXXX XXXX XXXX XXXX XXXX. PLEASE HELP ME
Product: Mortgage

ROUND POINT MORTGAGE TOOK THAT ACCOUNT OVER. 

IT WAS NEVER A FIRT STATEMENT SENT. HOW DO I PAY? 

THEY REPORTED LATE. 

FAKE
Product: Credit reporting or other personal consumer reports

The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. 

XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXXXXXX XXXXXXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.
Product: Credit card

Here is the timeline of issues : XX/XX/2016- I signed a contract and placed a deposit with a company for a metal building for XXXX with an anticipated delivery date of XX/XX/2016. After that the building company was in contact with me and I started to get very suspicious of their business practices especially considering the high pressure sales tactics they used. I was advised that we could change the building at any time since I wanted to use it to build a primary residence and that no work would be done by their engineering group until we had agreed to the final design. Later I had a discussion with the merchant about possible downsizing the building and making it a garage, and then a few days later I received a packet of engineered drawings of a building that was similar to my original contract but not the same and obviously a boilerplate drawing. I followed up with the engineering company and the merchant and let them know that I did not authorize this and the drawings were not correct. I also was told that it was fine and not to worry as I could make changes any time. 

Later in XX/XX/XXXX I contacted the merchant to ask about cancellation and was told there were no refunds but I could downsize. I also contacted Discover to ask about their dispute policy as I was worried my window as coming up and was assured that they have a XXXX year dispute window and not to worry. Finally as I was learning more and more about this company I decided that I did not want to give them any more of my money and would like a refund so I called Discover to explain the situation and pursue a dispute based on the fact that the goods and services delivered were not was was contracted, the contract was illegal, and the work was never authorized. 

Discover sent the charge to dispute through the XXXX who allowed a XXXX day response window. THe merchant did not respond within the XXXX days nor were they able to provide anything in writing that showed I had authorized these drawings. Despite being outside of the window, not having anything in writing from the merchant showing my authorization, and an illegal contract by the merchant, discover still sided with the merchant. I sent them communications I had where I discussed that these plans were not authorized and showed them discrepancies in the contract but they still sided with the merchant. I explained that the merchant did not include the requisite 3 day rescission window and also pointed out that my dispute date of XX/XX/XXXX was within the timeframe of the anticipated delivery date on the contract. I then pointed out that I received incorrect information from Discover in XX/XX/XXXX that led me to believe I had a XXXX year window of protection. Despite all of these facts, and no documentation from the merchant that I authorized these drawings, Discover still found against me.
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 15 USC 1681. 
================================== UNAUTHORIZED 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 ===================================== 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 of 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

I am XXXX XXXX, and this complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found inaccurate. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : XXXX XXXX TRANSUNION ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXX in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Product: Credit card

I activated the bankamerideals I made purchase online to XXXX. 

Purchase didnt activate automatically Went to Bank Of America App chatted he file dispute with marketing department. 

I waited 30 days. I called after speaking with agent said nothing I can do. 

XXXX was XXXX supposed to be 3 % back for {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted 2 requests disputing my account with CITIBANK on line via XXXX Credit Disputing Services. The 2nd attempt, dated XX/XX/XXXX I wrote a letter indicating that this account was a time barred debt from XX/XX/XXXX and should be removed from my credit report because I believe it exceeds the 7 year fair credit reporting act. CITIBANK just changed the status of the account to Account charged of. My dispute report number is XXXX. Please advise. 

Thank you for your help in this regard.
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 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date of the last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Capital One Auto Finance is in clear violation of this section of the law 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my Experian Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines while also violating 1681g ( a ) ( 5 ). It has been more than 60 days since Capital One Auto Finance has been notified of their violation and they have not providing me a copy of my written authorization I gave them or permissible purpose.
Product: Credit card

My credit card was used for fraudulent purchases. 
Citicards does not provide support to dispute the charges, and instead sent me a bill for the charges. Their phone line is shut down and website access to account information does not permit any disputes. 
citicards.com website makes it very difficult to dispute charges, while bills are sent promptly.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit. I have sent numerous letters requesting for experian to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet they continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests.I ask kindly that please remove all addresses that dont belong to me.
Product: Credit card or prepaid card

For the record, I am asserting my rights as federally protected consumer. I sent an electronic fund transfer check/remittance transfer via overnight mailing that authorized Synchrony Bank/PayPal Credit to initiate a one-time payment for the amount of {$1800.00} on XX/XX/2021. I enforced the electronic fund transfer pursuant to 12 CFR Part 1005.3 ( b ) ( 2 ) ( i ) ( ii ). 

I spoke with a live agent on XX/XX/2021 and she said that they located the check and that it would be processed within 24-48 hours along with credit to the consumers account.

I spoke with two agents today, XX/XX/2021 and they could not locate the check. Because of this, I have yet to receive my credit to my account.
Product: Mortgage

In XX/XX/2024, my HELOC loan was sold to Newrez LLC dba Shellpoint Mortgage Servicing. It has been a nightmare to deal with them in these four months. I have never experienced a mortgage servicer that seems to be committing outright fraud and you have to fight for your payments to be applied appropriately to your account. Luckily I have only made electronic transactions, so I can prove every payment and transaction date. I have made all the monthly payments using their online portal. Twice, I selected the option to apply additional funds above the minimum due to be applied toward principal balance reduction. Both times the additional funds were not applied to balance reduction and just held in another account somewhere that was not visible to me in any way. I contacted the lender and advised them of the errors and opened cases to apply the extra funds in the amount of {$5100.00} to my principal. After sending a certified letter on XX/XX/XXXX and many calls, they finally applied the additional payments to reduce my principal balance due. However, they finally applied the payments on later transaction dates, therefore increasing the amount of interest I was unjustly charged. I called again and opened a new case to apply the balance reduction on the day the payments were actually made and adjust the interest due. This week, I just received a letter from Shellpoint stating that my loan was suspended due " Delinquent Loan - Access Terminated. '' In looking at my transaction history and latest statement, they went in and reversed out every payment I have made to them in the four months they have been servicing my loan and changed all the transaction dates fraudulently to XX/XX/XXXX for every single transaction. Again I reached out to them to ask them to correct the issue and to remove the delinquent notice from my loan. Each time the customer service representative on the phone states that I am correct and the application of payments and dates are wrong and they will escalate and look into the issue. Nothing ever gets resolved and now it could potentially be affecting my credit. I feel trapped at their mercy and every " case '' they say will take 7-10 days to resolve, never comes to a resolution. I am just sent multiple letters stating either that the owner of my loan is XXXX XXXX XXXX and they are working to gather the requested information or that due to the complex nature of the matter they need more time. This is not complex if you are a legitimate loan servicer. I simply want them to apply my payments on the day I made them and charge the appropriate interest on my principal based on those transaction dates. I shouldn't feel like I am not able to pay off my loan and make payments to the principal without having to fight each time to get extra payments to be applied to my principal. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I called the fraud department at Transunion to make them aware that they have been in perpetual violation of the FAIR Credit Reporting Act ; despite the numerous disputes initiated with this consumer reporting agency since XXXX of XXXX XXXX. The agent, XXXX XXXX, was very dismissive even when nformed of these violations and insisted they had no authority to remove the erroneous information published by this agency. The agent informed the consumer that the most that could be done is to have a supervisor within the US reply to this complaint within 3 business days. ( XX/XX/XXXX@ XXXX ). One could only hope that this agency be held accountable just as other offenders such as XXXX, for how the so unapologetically inflict harm on the consumer.