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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when it is clear who is affected by the breach.
Product: Vehicle loan or lease

my loan is with synchrony bank who finances XXXX. the loan was done XXXX XXXX of this year. they called me and notified I had over XXXX worth of late charges. At the time of the phone call I could not pay the XXXX so I set up an auto payment for XXXX and XXXX to pay the charges off. The first payment of XXXX was deducted on XXXX XXXX per our agreement. Then on XXXX XXXX they sent through a monthly autopay of XXXX which sent my account into overdraft. I called my bank and told them this was not authorized and they rescinded it. Synchrony then charged me XXXX for stop payment. When I called them and complained they did rescind the fee of XXXX. now in XXXX they took the XXXX payment to pay off the late fee, and turned around and again sent through the monthly payment of XXXX. When I called to talk to them about this they said the auto payment continues for 60 days after the loan is completed. Needless to say my bank had already stopped this autopay and they have again charged me for return fee and they will not rescind this XXXX fee. I tried to tell them that they had sent through 2 days after the last payment for late fees had cleared my bank so the loan is over. I am so frustrated with this type of banking. All I want is for them to rescind the fee. I 'm afraid I was not very kind over the phone with them but oh well.
Product: Checking or savings account

I opened an account with Frost Bank towards the end of 2016 I had the account open for approximately 6 weeks and each week there were Numerous fraudulent charges I immediately ( within minutes of the charges being alerted through text, email I Immediately asked those charges to not be accepted out of XXXX & XXXX?!?! a bar in XXXX and I think a grocery store in XXXX.. I am in Texas! and have never been to either one of those countries.. I physically was told " it's no big deal just come into a branch and we will give you another card '' and " we will get to the bottom of it '' .. but we will give you a provisional credit..? I have screenshots of the emails back and forth ad proof! also the physical emails themselves as proof of these FRAUD Charges Immediately being disputed and a list of the dollar amounts 4 charges from the same bar in XXXX on the same date Within a few seconds I believe for over {$1200.00}!?!. Never Once was I questioned, asked about, any of the charges, told steps that were needed to be done ( like filing a police report ) NOTHING!?! .. I received a call one day from a branch manager ( I saved her voicemail as a matter of fact, it's time-stamped and dated ) stating " we're closing your account! '' .. I said " What?? you owe me {$50.00} still " that's In my account '' .. 
.. at this point I was willing to allow it to be closed based on her lack of effort and allowing all of this fraudulent Mess to take place!! ) .. " what are you talkin about you're supposed to be investigating these fraudulent charges!?! " ... 
they said " No we're just closing your account, oh and you owe us 500 something dollars?. " .. like what in the Heck are you talkin about!?! ... ... 
. 
now this is on my credit and it has become a huge pain in my family 's side I will file whatever charges are needed or seek legal counsel if necessary for restitution, time lost, aggravation, stress, NOONE has helped me@FROST.. FROST.. I called them dozens of times asking for resolutions ... 
BUT ... then I started getting letters in the mail saying yes " we investigated the fraudulent charges and YOU WERE RIGHT! .. we have finalized the credits instead of just a provisional .. '' ... 
but still after they closed my account they stop talking to me about anything ... super unprofessional, extremely jacked up, just caused more drama and stress in my life PLEASE HELP!!! Thank You!!
Product: Consumer Loan

Good day XXXX, I want to say that I am XXXX XXXX veteran XXXX female. I am not sure if you are the right agency to contact about my personal concern with how I was questioned by a financial institution when I requested and applied for an online loan. I applied for a small home improvement loan through I can not remember if it was through XXXX or XXXX. OneMain Financial online lending institution was one of the potentially interested online lenders of my application request. It was about XXXX XXXX, XXXX, the agency wrote to me through email asking me to call. I called and was asked a bunch of questions about my monthly incurred living expenses. If I remember correctly he took down the information and said that he would get back to me. I received a call one morning when I was asleep I answered the telephone and it was OneMain Financial calling waking me to ask more questions when I thought that I had answered everything on the first call. If I can remember it correctly I was still sleepy not really focused for the day ahead of me and he asked me out of the clear day if I ever filed a bankruptcy. I struggled to understand what and why he was asking I am also moderately hearing impaired. So I repeated what I thought he said however I asked if he asked me if I filed for bankruptcy in the last seven years. He repeated had I ever filed for bankruptcy I remember thinking can he ask me that? I thought I was protected if it was more than seven years ago and that I did not have to answer. I was perfectly willing to be told no OneMain Financial would not loan to me. He insisted as I said I was waking up and I did not want to respond but found myself responding yes. He asked when my bankruptcy was filed. I told him in XXXX XXXX. That was more than 20 years ago and I was frightened into it by the creditor XXXX threatening that they would send XXXX truck to my living place to pick up the money that I owed them. I was scared and I filed rather than be subjected to intimidation I had also recently received a telephone death threat and we were talking by phone. I received another call by a female who asked me similar questions as the first XXXX people and instantly told me I could not be approved. My concern is did this online financial institution OneMain Financial have a legitimate right to ask me about my credit 20 years ago when I had lost a job, and was near homeless. That XXXX XXXX on my birthday I was evicted and spent 10 years homeless. I was reminded of that period of time in my life it caused me emotional distress. I hope if you are not the right agency that you XXXX will point me hopefully in the right direction of who I should direct my concern to. Thank you.
Product: Credit reporting or other personal consumer reports

I have multiple points to attest. 

I signed up through XXXX for my student loans. I was assigned XXXX XXXX for my student loans for the entirety of my student loan affairs. While still in my education program, my loan servicer changed, then had shortly changed again to what is now XXXX. I did NOT consent to this change and when asked for documentation to be provided, they did not follow through. 

Under the XXXX XXXX, I am protected from nonpublic information being shared to non-affiliated third parties. Experian, a non-affiliated third party, shows that I owe XXXX for my student loans on my credit report. 

In XX/XX/year>, I contacted XXXX for proof of agreement. They assured me they would send the documentation to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. A week later I called for an update on the matter out of concern that I would seemingly owe them a monthly payment. Under advisory of XXXX, it was suggested I applied for the XXXX plan to postpone payments until the disputation process has been completed. I applied for an IDR plan in the mean time during this disputation process, to which XXXX has not responded to as of the XXXX XXXX XXXX website. The duration of this nonresponse has exceeded XXXX days.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX I received a letter from the XXXX County ( IN ) Clerks Office that a judgement had been ordered on behalf of Midland Credit Management , Inc. We got this debt paid off & received a letter from the law offices of XXXX , XXXX , XXXX, XXXX  XXXX XXXX XXXX . The letter was dated XX/XX/XXXX & signed by XXXX XXXX XXXX, XXXX, IN office. The letter states " As attorney for the creditor on the above account, I certify that the above account has been settled. '' I am trying to purchase a home. The closing title company shows this as an open debt being reported still by the XXXX County ( IN ) Clerks office. I have been trying since XX/XX/XXXX to get this resolved. MCM agrees that the debt is settled but can't seem to get anything to the title company or the clerks office. We have had to re-scheldule the closing twice. Next closing is set for XX/XX/XXXX, assuming this matter is resolved. The title company has three pages of notes from talking to numerous supervisors at MCM. The only thing they are told is yes this debt is settled but the paperwork takes time. Remember, the letter from MCM 's attorney is dated XX/XX/XXXX. 
Can you help???
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

BANK OF AMERICA XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated. 

I'd appreciate it if you could update or correct this reporting account as soon as possible. If you don't comply with the request, the account should be repaired right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of items that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from the identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting

I have tried multiple times ( online and by phone ) to obtain my free credit report, both have said my information is not correct and have not been able to get my credit report ( with all XXXX companies ). I lost my social security card and have been denied credit, I just want to make sure no identity theft occurred.
Product: Student loan

The company is harassing me and my family. We have tried to work with them and they will not give us any grace. They call over 5x a day and we told them we can not pay the amount they need and they continue to threaten to send us to collections. This is a horrible company and the loan that started out at XXXX is now well over XXXX. Terrible. And they have no grace for military members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of Oklahoma and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.
Product: Credit card or prepaid card

For the past 3 weeks, starting on XX/XX/2022. I have been trying to close my indigo credit card issued by GENESISfs CARD SERVICES. I had to call numerous times and everytime I called, someone would tell me : " we just closed your account '' So what about all the previous times I called and they told me they closed it. I let a couple weeks go by thinking that perhaps I just have to wait and give it sometime for them to close the account. Even though, online, my account still shows active and ready to go. Yesterday, I received in the mail a letter from them saying that I was dead, and that they wanted to death certificate for them to close my account. 

1. I have a XXXX balance on the account 2. Im not dead. 
XXXX. And all I'm requesting is for the to close this account. 

Why are they making so difficult for them to close an account? 

i have attached copies of the letter I received from them and the letter I sent back to them.
Product: Credit reporting or other personal consumer reports

XXXX credit division is reporting information from creditors that should have been removed after i filed and had my XXXX XXXX bankruptcy discharged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bankruptcy was filed ( XXXX ) and discharged ( XXXX ) reference # XXXX according to bankruptcy laws the above accounts should be removed from my credit report.
Product: Mortgage

I am the executor of the estate of a woman who had a reverse mortgage. On her passing ( XX/XX/2019 ) I informed the company ( Clink ) in writing, that I was appointed a personal representative by the court and that we were selling the home and had sufficient funds to pay taxes and all obligations and that it would be sold within 6 months of her passing. This notification and request for extension was sent within the required timelines. 

There was never a default or late payment. Clink was sent the required information to request an extension and the information was sent to them both via certified mail and by fax on XX/XX/2019 ( well within the 30 day timeline from receiving the letter of intent ) We continued to follow up on it and they claimed it took a long time for our communication to be filed. We notified them of the Realtor name, licence and contact information as well and that we had a signed purchase agreement. 

Every time I called to inquire as to the status of the extension request I was told they were still processing it and couldn't find the information that authorized them to speak to me. 

The closing on the home is scheduled on XX/XX/XXXX and the title company requested the payoff information from Clink on XX/XX/XXXX at XXXX XXXX. As of today ( XX/XX/XXXX and 3 days prior to closing ) the payoff information has NOT been provided. 

I called Clink again today and was told that they put the property info foreclosure and sent the file to the attorney firm of XXXX XXXX XXXX. They never responded to our properly submitted request for an extension, nor did they provide this request for extension or any other communication we gave them to XXXX XXXX XXXX. Clink stated that it would take at least 10 business days to give us a payoff and that there would be fees and costs assessed as a result of them putting it into foreclosure. They admitted today, on a taped conversation ( with their consent ) that they misfiled our request for extension and never acted on it and never filed it with the information in the loan file. They continued to state that they would do nothing about it and that the home would stay in foreclosure and we would have to pay the additional costs and that they would not provide us a payoff amount and had not even started to process our XX/XX/XXXX written request for payoff This estate stands to have substantial damages if we can not close because of Clinks foreclosure and refusal to provide a payoff letter in a reasonable amount of time ( we provided them 11 days to provide the payoff information ) and they should not be allowed to charge the estate fees and costs related to foreclosure as we filed a request for extension well within the timeline and provided the documents required for this. 

Clink also admitted ( on the recorded phone call ) that they knew that delaying the closing would alloy them to collect more interest and fees and that the increased fees and delay it is a result of their error. They stated they would not fix any of their mistakes or credit any fees or costs. 

Documents as proof of these allegations will be provided upon request
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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.
Product: Payday loan, title loan, or personal loan

I have called and called and called. I ask for a supervisor they always say theres not one available. Ive tried to pay payments!! The amount of interest they charge is unreal. The amount never changes. I had to take another XXXX out to just survive!!! The fees go up every period!!! by next period I owe more in interest than I paid last period
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED DO NOT BELONG TO ME AND NEED TO BE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days since I filed my first complaint and this is causing hardship on me these negative items that's on my credit report under usc 15 1681 I never gave consent for any one to furnish my credit report and the inaccuracy is a violation of the fcra usc 1692g and I ask for verification of the debt with my wet signature on the original contract none have been provide or I would like all negative items deleted off my credit report.
Product: Student loan

Need to get a deferment to stop loan payments due to lack of money Also records report that loans were taken out for a school that I never attended
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to Capital One Auto Fiance, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Claims Representative ( XXXX ) XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX XXXX T XXXX XXXXXXXX ) XXXX | F ( XXXX ) XXXX | XXXX
Product: Mortgage

I was offered forbearance at the the beginning of the pandemic which I accepted. At the end of the forbearance I requested the balance be moved to the end of the loan which was kindly agreed. I am listed as the end of the trial period and waiting for the loan to be complete. this completed process has gone on for 2 months and I feel there should be some further explanation. I can not reach anyone with the authority to explain.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX written off balance without sending me XXXX. and that is fraudulent.