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

I am having issues with Equifax to correct records at their so that my identity can be validated. I had tried to open a checking acc. with XXXX but my application is denied due to issues at Equifax end which is preventing them from validating my identity. I already have a checking account with XXXX and couple of credit cards but this glitch at equifax end is handicapping me financially. In order to resolve the issue I had reached out to theEquifax on XX/XX/XXXX and Equifax 's customer service asked me to fax my documents - SSN, DL and Covering letter to their fax number and informed that the documents would be processed in 5 days .On XX/XX/XXXX I had faxed these documents.In the following week couple of times, I followed up with Equifax customer service. To my surprise the customer service agent was not able to find anything and the call was escalated call to supervisor. I was reassured by supervisor that my documents would be processed by XXXX XXXX by latest. I reapplied for XXXX checking account on XX/XX/XXXX and the application was again declined for the same reason. I again followed up with Equifax customer service and again needed gain needed an escalated call to supervisor. This time no concrete information was provided. I asked supervisor to register an internal complaint with Equifax but I was informed that Equifax does not have a complaint management through customer service. The consumer needs to send a mail to head office for complaints - thus creating an invisible block in registering a consumer complaint. Then I received a mail from Equifax - letter id - XXXX dated XXXX XXXX asking to send across SSN Proof card and Residence proofas evidence. These are the same documents that I had faxed earlier. I mailed these documents on XXXX XXXX. Then I received another mail from Equifax, letter id being - XXXX dated XXXX XX/XX/2019 asking again for SSN proof and residence proof. This was the third time I have tried to resolve the issue at Equifax but to it seems not to be resolved at my end which is hampering me financially. The key concerns I have with Equifax is 1.No concern about customer 's sensitive document despite of having a massive data breach 2. Non processing of my sensitive documents within the given time frame. 
3. Poor customer service - no definite answer 4.Customer impacted because of lack of service from Equifax 5 . As a customer I have spend close to 20 hours to resolve issue created by Equifax 6.No process to register customer complaint through customer service 7. Impossible to speak to live agent through Equifax ; s customer service number XXXX XXXX XXXX XXXX XXXX. One needs to XXXX another customer service number to touch base with Equifax 's live agent. 

I would want CFPB to take action against equifax as there may be lot of consumers impacted due to inept Equifax processes
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written XXXX XXXX Several times to provide Proper documentation they've sent duplicate responses I think they are fraudulent. Under 15 USC 1602 ( i ) I entered into a Consumer credit transaction I didn't receive a Loan as the creditor extended my credit to them using my Credit Card ( SSN ) Number. Creating the alleged debt I've asked them for Verification by Requesting the Document that Federal law requires them to. Refer to 12 CFR 1006.34 ( a ) they failed to send ( 1 ) Debt collector communication disclosure 1006.18 ( e ) they aren't in compliance and I will continue to write them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Resurgent receivable XXXX XXXX XXXX {$290.00} LVNV funding LLC {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX  15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : I have tried over and OVER sending copies of my driver 's license ID, Social Security card, utility bill, photo as requested numerous times and I am still restricted on my account to where I can not sell my crypto or buy crypto. I can't withdraw either without being able to sell my crypto. I have had gains on my investments and can do nothing. During countless calls, I am asked to please hold for 5 minutes while I review your account several times.and with all due respect, during every call, there is a clear language barrier and this just further aggravates the situation. I have followed the numerous steps sent to my email & requested of me via phone. I have lost time/money at work trying to resolve this issue which can be reviewed on these Coinbase case tickets : XXXX XXXX XXXX XXXX XXXX XXXX. 
At this time, at XXXX on XX/XX/2024, my balance is XXXX and climbing. It was under XXXX when the first case was opened. 
I stand to lose money due to my inability to access my account. This is absurd!! If something is inconsistent with my information that Ive submitted, then when I initially signed up, Coinbase needs to let me know- and resolve this. My funding source, XXXX is associated with my business email of XXXX. The email associated with my coinbase acct is XXXX. I have bank records of all my transactions on Coinbase. What else do they need??? I have successfully uploaded my Driver 's Lic to my profile recently. I use face recognition as my 2-step verification on my phone... ..It will say that I've been verified via email but then turn around when I sign in and say unable to verify my identity. Ive been told by one of their customer service reps to open another account & then told by another rep, after the fact, no that is not correct. 
I filed a complaint through Coinbase- complaint # XXXX and have received no response or resolution. 
I expect resolution to this asap since I have offered up all the credentials needed to verify that I'm the account holder. Customer service stated that my case has been escalated for review but I have heard nothing. Crypto is booming right now and I have no option to cash out any gains .This is unreasonable to the point where I feel Coinbase is deliberately holding my money & the fact that they have my social sec card makes me extremely uneasy. I can not put a name to the person ( s ) that received it. Your assistance would be greatly appreciated!! 

Thank you!!!
Product: Payday loan, title loan, or personal loan

I received an offer letter stating that I was pre-selected for a personal loan ranging " from {$3500.00} to {$40000.00} '' and provided me with a special code to use to accept the loan offer. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-selected '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter. They even stated in response that my offer had " expired, '' even though I provided my offer acceptance code online to them before the deadline. This appears to have just been a scam to entice people to submit loan applications they otherwise would not have.
Product: Credit card

COMPLAINT XXXX. XX/XX/XXXX ( XXXX ) XXXX XXXX entered a open end consumer credit transaction involving a credit card agreement, with the Defendant American Express, for the total cash-equivalent to XXXX XXXX dollars. ( {$1000.00} ) ( see attached contract labeled Exhibit A Proof of Contract ) XXXX. Plaintiff XXXX sent the negotiable instrument, ( endorsed ), on XX/XX/XXXX, ( XX/XX/XXXX ) and on XX/XX/XXXX ( XX/XX/XXXX ) a tender of payment { see attachment letters labeled, Exhibit B Tender of Payment } XXXX. XXXX XXXX endorsed a coupon accompanied by a Tender of Payment on XX/XX/XXXX ( XX/XX/XXXX ) { see attachment letters labeled, Exhibit B Tender of Payment } XXXX. Plaintiff XXXX Tendered a Negotiable Instrument to Defendant American Express with Accord and Satisfactions as a performance to the contract on XX/XX/XXXX ( XX/XX/XXXX ) { see attachment contract labeled, Exhibit B Tender of Payment } XXXX. The Defendant American Express received multiple instructions pertaining to the principals balance and where to Transfer the Principals Balance { see attachment labeled Exhibit B Tender Of Payment } XXXX. Defendant American Express launched and investigation on the matter and upon further review told XXXX XXXX, they dont accept payment coupons modified to be used as payment instruments on XX/XX/XXXX ( XX/XX/XXXX ) { see attached letter labeled Denial Letter Exhibit C } XXXX. Defendant American Express refused to accept Tender of Payment and imposed more finance charges on XXXX XXXX credit card. Late fees, and interest charges. 
XXXX. The Defendant American Express refused to carry out Fiduciary Duties for Plaintiff XXXX and also refused to carry out the Accord and Satisfaction performance { see attachment labeled Exhibit C Denial Letter Non-Acceptance, REFUSAL } XXXX. Due to these acts the Defendant American Express Breached the Contract XXXX. XXXX XXXX was deprived of the Goods Proceeds in the Contract Sale XXXX. The Defendant American Express refuses to return negotiable instruments back to Plaintiff XXXX ( attachments not labeled and Proof of Contract is left out from files )
Product: Credit reporting or other personal consumer reports

There has been inquires that I never made that needs to be removed along with an account i never opened. I am asking that my complaints get evaluated immediately these inquires addresses or account doesn't belong to me please remove soon as possible.
Product: Credit reporting or other personal consumer reports

NCB Management Services Derogatory Account # XXXX they bought the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no date of last activity shown in report. It should show as XX/XX/year> which means the debt is 4 years and 5 months old.
Product: Student loan

I have been trying to lower the amount on my monthly payment. The monthly payment is a mortgage and I barely make {$1300.00} and they are asking {$1200.00} a month. I have called back in XXXX and asked about programs and they said to use their program I applied and was accepted but have only been given a XXXX XXXXXXXX {$300.00} break off the payments. I was just a XXXX XXXX XXXX  trying to find the best program for me and when I signed up for a Sallie Mae account i thought this would be fine. Until they loaned me more than I could pay off and an interest that will never let me repay it. 14 % on a student loan is a mortgage and a scam.
Product: Debt collection

XX/XX/XXXX I received a lot of mail and text messages about owing money to an account that was from XX/XX/2020. Im just worried about my information being leaked cause its been difficult purchasing a car or try to get my credit score higher. I just need help thank you
Product: Credit reporting or other personal consumer reports

I recently have looked at my credit report there is multiple inquirys that were not made by me. 
The second thing is one of my accounts one main financial. shows a late payment and is incorrect. I called they said they would fix it but only updated with XXXX but not XXXX XXXX or XXXX 
1 : their was a hard inquiry from XXXX. This was not done by me 2. There was a hard inquiry by XXXX XXXX done not by me 3. There was a hard inquiry by XXXX XXXX done not by me.
Product: Credit reporting or other personal consumer reports

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Code 15 USC 1681e ( b ) supports my reasoning. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor and sold, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor and sold, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations XXXX This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I contacted XXXX XXXX XXXX after making 12 months of on-time payments to refinance the vehicle loan, as my credit score increased, and the 15.9 % interest rates was too high. They indicated that they did not refinancing. On XX/XX/XXXX, I attempted to trade in the vehicle, but they indicated the vehicle was only worth {$8000.00} due to the recalls for theft. I indicated that I owed XXXX on the vehicle. Rather than trade the car in, I opted to do a voluntary repossession. I dropped the vehicle off at XXXX XXXX XXXX, and called XXXX within the next hour to let them know that I voluntarily repossessed the vehicle due to the fact of the vehicle value and the amount of my loan balance. I was told I would be called within 3 days. I never received any additional bills, notices that payment was late or any other notifications about the account. On XX/XX/XXXX, I received a phone call from a XXXX representative that indicated the account was 60 days past due. I asked to speak to a supervisor and I was told I would be called in the next 3 business days. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the security cameras that would show they vehicle and the keys were left with the repo manager.
Product: Debt collection

Creedence resource management. A collection firm is stating I owe {$2700.00} from debt in regards to XXXX. I never have used this company. Possibly identify theft. This is not my debt.
Product: Credit card

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXXXXXX
Product: Debt collection

I discovered in XXXX the following collection on my account : RASH CURTIS & ASSOCIATES Account # XXXX Collection opened XXXX XXXX, 2020 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 {$560.00} I called Rash Curtis believing that this was an overcharge on another Medical Bill I had made arrangements. After further investigation I found out this had to do with Medical Identity Theft fraud in which someone who stolen our identity information 5 years ago had been using periodically. I disputed the account on my credit bureau and provided the police report and they still refuse to remove the account.
Product: Consumer Loan

A person named XXXX, from Wells Fargo Dealership Services, keeps leaving messages for me at my father 's home and on my nieces cell phone. His message is to call him at XXXX. I have never been called directly. The problem is, I do not currently, nor have I ever had a car loan with them. I do n't even have a Wells Fargo bank account. 

When I return the call I am told there are XXXX XXXX at the office XXXX claiming not to be the caller. When I tell them I ca n't give an account number because I do n't have an account, I 'm then asked for my SSN. I refuse to give them that information as, if I indeed had a loan, they would have it on file. I have always given them my legal name when calling. ( Which, by the way " XXXX '' spelled incorrectly on his initial messages. ) They 've never been able to pull up any of the phone numbers they 've left messages for me on yet they continue to call them. In trying to get this resolved, I 've been left on hold for up to 20 minutes only to be hung up on. I 've left messages for a supervisor with no return call. 

I have never requested nor received a car loan from Wells Fargo. 
Every vehicle I own, I paid cash for. Wells Fargo has made no attempt to resolve this issue even when I call to speak to them. The one time I did speak to someone " semi helpful '' I requested the calls be stopped. She assured me they would be since she could n't find anything under my name. I do n't even know how they got my father or niece 's, out of state phone numbers in the first place. They keep harassing my family to collect a debt that does n't exist.
Product: Credit card or prepaid card

Someone alerted me that if you go to XXXX and search for Avant Logon and hit on the response. The Avant login screen comes up with my email address in it. She had 2 reasons to reach out to me by email. First, she wanted to verify that it is a real email address. Secondly, she wanted to make me aware of what is happening. 

https : //www.avant.com login Prior to calling Avant, I had a friend try it and watched as my email address come up pre-populating on the login screen. I called Avant. The rep told me to clear my history. I asked how that would affect what is coming up for other people. I demanded a manager. I finally got one and he spoke down to me. He said that I should get someone, who knows about computers, to explain to me why that couldn't happen. I changed the email address on the account and closed it.

I am a XXXX XXXX XXXX. I started building rudimentary computers when I was a kid. I was being taught by computer engineers at XXXX XXXX. I have built every one of my computers. I am not a computer idiot. 

Last month, I started getting emails from Avant that I had tried to many passwords on my login, so they had locked the account and I should follow the instructions in the email to get my account unlocked. I called and explained to the manager that I had not trued to get into my account since my payday in the prior month, when I signed in to pay the bill. I had them change my account number and send me a new bill. I finally have the card, but I have now closed the account. 

So this problem didn't start this week, it started almost 2 months ago. 

I just got an email from someone else wanting to know if the email address was real and why is it coming up when she goes to login to Avant on her computer. She is going to call Avant.

I called Avant again. The rep told me that I have already been told to clear my history and that what I say is happening, can't be happening. She says she tried it and didn't get it to happen. Maybe because they are somewhere in XXXX and something is happening between here and there. I just do not believe that they have tried it. 

I don't know where to go from here. The first person who alerted me to the problem suggested I file a report here. I wonder if I need to get a lawyer. 

I am attaching a screen print of what comes up. 

On the next screen, you ask for a card number. I am looking through my mail for the new card so that I can give you the current card number. In searching, I just opened a letter saying that they have been trying to reach me regarding the fraud I reported. I reported that someone or more people are trying to get into my account, since I was not trying many logins causing them to lock the account. I never mentioned the word fraud.
Product: Checking or savings account

I have a inaccurate inquiry from pentagon federal credit union
Product: Credit reporting or other personal consumer reports

The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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