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

Saturday XX/XX/2020 I went online to Experian to get my free credit report which I ordered online and hopefully that will be mailed out to me but I also paid {$14.00} to Experian Connect to XXXX  my credit report for 30 days with businesses that may need my credit report.

IN order to " Share '' my credit report with others, Experian Connect required me to put in said business " EMAIL address '' so an " Invitation '' could be sent to that person or business.

I did so. The realtor I am dealing with received the invitation link and was then prompted to put her personal SSN # and information just to receive my credit report. I have not received any information stating they received link etc.. as experian connect said I would. The realtor is not comfortable putting in her information to Experian Connect Monday XX/XX/2020, I phone Experian and reach XXXX in the XXXX where she informs me that Experian Connect is not within her realm and I need to phone ( XXXX ) XXXX. I call that # and the voice prompts do not allow me to address my problem and so the call is disconnected. I then phone XXXX XXXX XXXX XXXX another Experian Connect phone # which is same voice prompt system as above # and it also does not allow me to address my situation and speak to a live person> I would like my {$14.00} returned to me and my credit report mailed out as the company Experian is a total fraudulent irreputable company just taking money and not even supplying manpower for people to be heard.
Product: Mortgage

Started a refinance with Geneva Financial on XX/XX/2015 with XXXX XXXX, received Good Faith Estimaterate of XXXX. Due to internal company policies, XXXX had to hand me off on XX/XX/2015 to another loan XXXX XXXX XXXX ( Branch Mgr/Senior Mtg Originator ). On XX/XX/2015 received another XXXX XXXX XXXX loan rate of 4.250. These were the last papers I signed. On XX/XX/2015 I received ANOTHER Good Faith Estimate loan rate of 4.625, within days of closing. To get this far I had to back date documents per XXXX 's instructions, and DO to the extremely lengthy time frame, I needed to get a XXXX home appraisal at a cost of {$450.00}. I did not close on the loan do to the high interest rate, and in checking the average loan rates as of today ( XXXX/XXXX/15 ) are 4.125 - 4.250.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year>, I applied to refinance my truck through AutoPay after receiving an outstanding recommendation on credit XXXX. Autopay called me and offered a significantly higher rate that what was offered in XXXX XXXX. When I spoke to the agent, I was told that my XXXX XXXX XXXX was much less than what shows in the XXXX App which was updated through today. This is a bait and switch situation and not fair. Ive spent years rebuilding my credit to have unnecessary hits to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been A victim Of Identity Theft. I did Not Authorize nor give anyone Consent to open This Account this Account Has to be removed From My Credit. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  Equifax,  XXXX   or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
Product: Credit card

Credit card has been denied on multiple recent occasions, and caused me to incur a {$10.00} fee with my gym for a failed monthly payment, likely due to issues with the bank 's conversion of my XXXX credit card account to a XXXX card account. My XXXX credit card ( " MC '' ) has been denied multiple times recently though the bank 's representative I called and spoke with on Monday, XXXX XXXX, confirmed that I was not delinquent ; she said the payments had apparently been declined for incorrect expiration date submissions. She confirmed the expiration date on my XXXX was the correct XXXX on file. I explained that my gym notified me that the monthly gym membership fee ( which the gym has been deducting on the XXXX of every month for over a year from my MC using the same card number and expiration date ) had been rejected and assessed me a {$10.00} fee and that other payments had also been rejected recently, including a payment for an XXXX purchase ( prior to the recent rejection XXXX had successfully processed payments using the stored MC information on multiple occasions ). I suggested that the payments had been rejected due to credit card conversion issues at USAA : my MC credit card account is being converted to a XXXX credit card. I 've been issued a new XXXX card and was told the XXXX would be good until late XXXX, but several payments have been rejected well before the disclosed cut-off date. The agent said all she could see in the system was the reason for rejection of my payments for incorrect expiration date. I asked to lodge a complaint with USAA since I was concerned my issue could signify a more systemic issue with the credit card conversion but the agent said all she could do was make a note on my account. So far as I know, I have only incurred a single {$10.00} fee from my gym and merely suffered inconveniences for other denied payments, though other consumers may have endured more significant harms.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX XXXX Amount : $ XXXX Balance : {$300.00} ( as of XXXX  days ago ) Account Status : OpenDate Opened : XX/XX/XXXX, XXXX : Secured LoanPayment History : All payments made on timeThe above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : The balance of {$300.00} is not reflecting the fact that the account has been paid in full. The account should show a XXXX balance to accurately represent the current status.Payment History : The payment history indicates that I have made 100 % of my payments on time, which supports the fact that the loan has been fully repaid. The failure to update the balance undermines the accuracy of my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately update this account to reflect a XXXX balance. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation showing that the balance has been paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Account number : XXXX Original creditor : The XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Rent Recovery Solutions LLC , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX. XX/XX/XXXX " Forbearance Approval Letter '' - " As of XX/XX/XXXX, weve received your completed Application For Success. Youve qualified for a 3 month forbearance plan that gives you time to resolve your hardship. '' " We'll be contacting you 30 days prior to the end of the forbearance period to discuss your next steps. We will also provide information on alternatives that may be available to you at the end of the forbearance plan term, such as a reinstatement or a repayment plan. '' XXXX. XX/XX/XXXX " XXXX XXXX XXXX '' w/ monthly statement - " You will continue to receive your monthly billing statement while you are in an active workout plan. Your billing statement will reflect your regular mortgage payment ; however, your workout approval letter contains the current terms of the plan. '' " XXXX XXXX XXXX : {$0.00}. '' XXXX. XX/XX/XXXX - " XXXX XXXX XXXX '' w/ monthly statement - Same. 
XXXX. XX/XX/XXXX - " XXXX XXXX XXXX '' w/ monthly statement - Again, same. 
XXXX. XX/XX/XXXX XXXX XXXX - " We recently notified you that you were approved for a mortgage assistance program to get back on track with your payments. However, the offer has been withdrawn as of XX/XX/XXXX since you did not accept this workout. If you are behind on payments, its important that you understand that we may begin or continue the foreclosure process unless your loan is current ( or will be reinstated by other means ). '' XXXX. XX/XX/XXXX - Called Rocket Mortgage - I was shocked to learn that on XXXX XXXX, XXXX, our family home will be sold. I was told then for the first time that I had never " accepted '' the workout plan. When I expressed that I did, I was simply told that it was too late. That application was already closed out and I would have to reapply. I answered her questions over the phone, but apparently that did nothing. 
XXXX. XX/XX/XXXX - I attempted again to access my account on the Rocket Mortage website, but I have been locked out from accessing anything, including any ability to access the application process to try and save our home. I was able to make contact with an online chat agent, but I was told that it will be XXXX hours before I maybe will be able to access my account. I feel Rocket Mortgage wants me to lose my home for their own benefit. It's gut wrenching that I can do literally nothing.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

AES is being deceptive on their stance that they are not breaking the law while maintaining that they're not harassing me when they make daily phone calls because an account is delinquent. 

Pennsylvania Fair Debt Collection Practices Act 2270.4. Unfair or  deceptive acts or practices. ... ( 4 ) A creditor may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. 

*indicates that an event or similar event in nature has occurred ( i ) The use or threat of use of violence or other criminal means to harm the physical person, reputation or property of any person. 

* ( ii ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

( iii ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( Public Law 91-508, 15 U.S.C. 1681 et seq. ).

* ( iv ) The advertisement for sale of any debt to coerce payment of the debt. 

* ( v ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 

* ( vi ) Except as provided in paragraph ( 1 ), the placement of telephone calls without meaningful disclosure of the callers identity.
Product: Payday loan, title loan, or personal loan

Refund check # XXXX was issued to me on XXXX in the amount of {$720.00} for overpayment of personal loan. I discovered this uncashed check in a folder in early XXXX XXXX on XXXX, I contact Customer Service and requested a re-issue of the check with XXXX XXXX XXXX stated she would look into it and return my call within 10 calendar days. On XXXX, I again contacted Customer Service and talked to XXXX. XXXX stated they had been unable to located the check information and would send a check in the amount of {$100.00} for the inconvenience of not locating any information for check # XXXX. I received this check and cashed it. On XXXX, I called Customer Service and explained the entire story again to XXXX who transferred me to XXXX. I explained my situation again and request re-issuance since the original check is in my possion. I offered to send her a copy of the check in hopes it would assist them in identifing the original amount due in their accounting system. XXXX stated there was nothing they could do to resolve the issue. I requested to speak to the accounting department which she refused. I also requested to speak to a supervisor to which she responded there were no supervisors on duty but she would pass on my concerns. I have not received any contact as of the writing of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit freeze with Equifax lifted since XX/XX/2021. I am locked out of my account and when I finally got through to the call center in the XXXX they keep telling me I am not verifying my identity correctly. I confirmed five questions on the phone about my credit history, I confirmed my name, date of birth, emails address XXXX street number and zip code. I then verified a code they sent to my phone ( the phone number was separately verified ) twice and the agent said I didn't give the correct code. They then sent me a link to return picture of my drivers license. I did this twice with my XXXX XXXX and took crystal clear pictures with no glare. They rejected them all. I asked to speak with a manager and the agent hung up on me. I need to buy a computer today at XXXX, and I need the line of credit to get the extended warranty. I was also part of the data breach that happened several years ago. This is entirely unacceptable and I would like to see them disciplined for their negligence and inaction.
Product: Credit reporting or other personal consumer reports

Equifax is providing late payment information. In accordance with 15 usc 1666b, Equifax has violated privacy and consent reporting this information in it's report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a purchase from a merchant for {$120.00} using PayPal checkout to process my Visa card. The order was delivered on XX/XX/XXXX without issue, and everything seemed to be fine. I then started receiving calls from my bank that my checking account was overdrawn and when I was going to get it caught up, they explained that my account had been debited by PayPal for {$100.00} on XX/XX/XXXX and again XX/XX/XXXX. I found this to be extremely strange since the credit card I had used to pay for the item was debited without issue, and all my checking accounts connected to PayPal are used strictly for depositing only, while my credit cards are marked as my preferred way to pay. 

Then on XX/XX/XXXX I paid my XXXX bill of {$50.00} with my credit card and my checking account was again debited on XX/XX/XXXX for the same amount. I called PayPal on XX/XX/XXXX to complain and was met with an expletive laden string of verbal abuse after patiently waiting 35 minutes for assistance. Since I received no help, I decided to remove my bank accounts from the PayPal platform but it didn't seem to work because I was billed again today, XX/XX/XXXX, for the same transaction again. 

From just these four overdrafts ( $ XXXX/ea ) alone, PayPal is directly responsible for {$130.00} in damages to me. In addition, on XX/XX/XXXX I received an unsolicited payment from an XXXX buyer for an order which the buyer had originally cancelled but then later paid for after I had already sold to the next bidder, I refunded the payment but PayPal decided to steal {$23.00} for a " service fee '' and will not give it back even though they provided me no service. 

To sum it up, PayPal owes me {$150.00} and will not do anything to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated on several instances with the Equifax bureau. I have sent disputes on two different occasions. These are the confirmation numbers that I received once my documents were received. Confirmation : XXXX, XXXX, XXXX, XXXXXXXX XX/XX/XXXX-XX/XX/XXXX These are to remove addresses and credit inquiries. 

I was asked to call the companies that placed these inquiries on my report and I refused to because that is not what I am suppose to but I did this last time. I was told by the representative from XXXX that the Bureau is suppose to investigate and remove if they cant verify the inquiry. She looked in her data base and found nothing, which was strange because I am asking her something that I did not do. 

I spoke with regular employees and a supervisor of the fraud department [ 3 to 5 times ] and they all take me through their security screen. I have gotten through most times but for some reason my answers were not sufficient with their supervisor on my last attempt. 

I feel I have done everything the right way and they have not. As I have told them and will continue to say, those are mot my inquiries and I want them removed from my report completely. I sent in a police report which they requested as well. 

As a consumer, I feel as though this credit bureau is treating me unfairly and damaging myself on a personal level. If I apply for a product and my Equifax report is pulled my I will not be represented accurately. 

Please assist me with this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Chapter XXXX, Total Visa was included in BK discharged still reporting 2 acts on CB. Submitted several disputes to all CB. No resolve.
Product: Money transfers

I filled out a house rental application and received a call from XXXX XXXX XXXX saying I was accepted, so he sent over a lease that was signed by him and I signed it and sent back to him. After that he requested I send him a money order of {$1200.00} to his daughter ( XXXX XXXX ) and he will send me the keys. After I sent the money he stopped contact with me and after XXXX days of trying to contact him I called from a different number when he answered I said who I was and he hung up. He stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I asked LexisNexis to provide verification and the method of verification of the public record reporting to my file per FCRA. To this date they in violation of the FCRA failed to provide the required information. The record is below : XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over a year ago, I closed my account with XXXX XXXX. I do not remember the exact date, but when this account began to show past due, I called XXXX XXXX and they, in fact agreed that I had closed my account. Prior to that, I had allowed the company XXXX  to automatically charge their annual fee to XXXX XXXX, when I got the notification that XXXX  would charging their annual fee, I called them to cancel my service. Again, I do not remember the exact date. I do have a subsequent email I sent them cancelling my account, but they continue to send me updates to this day, even though the email notes I cancelled my subscription, as if I do have a current account with them. ( Copy of the return email from XXXX attached. ) On my phone call to them, XXXX XXXX agreed that I closed my account and that they allowed a charge to an account that no longer existed, but that it was my fault that I hadn't notified XXXX, which I had. 

I asked them to review the situation, and they said they would. I got a form letter stating that they had reviewed the charge and found it to be proper, DESPITE the fact I didn't HAVE an account with when the charge was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$0.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3200.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$620.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. Equifax have not responded to the dispute or correct the errors on the report from these 5 accounts.