23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX / XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX, has violated my rights.

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.

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 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

I am an XXXX Military XXXX that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with Experian credit services and XXXX. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the XX/XX/XXXX and Experian website. As of today's date XX/XX/2019, still no response or update within 30 days from XX/XX/XXXX nor Experian. Now, I am requesting this be rectified through CFPB. As a military XXXX  that holds a top-secret clearance, it is imperative that this is resolved before I become a victim of theft identity. Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The person who stole my identity was also able to obtain a copy of my credit report. With this information, they are able to call Experian and unlock, unfreeze, and remove my fraud alerts from my credit reports. This has resulted in several applications being made against my credit. They were also able to call in and change my account email, password, and phone number, and remove my XXXX security. This is all despite the fact that I have a secret question and pin number associated with the account. 

I spoke with several customer service specialists and their managers and they all told me that if someone can answer the questions derived from the credit report they can bypass the security question and the pin number. 

This is effectively telling me that there is no possible way for me to secure my credit report through Experian. XXXX and XXXX were able to add secondary measures to prevent this sort of thing from happening, but Experian did not. 

I asked for this to be escalated but have not received any response. I would like to get this resolved as the person is actively and daily attempting to gain control over my Experian account and unlock my credit report. 

I pay for the premium membership at Experian as well. The additional security features added by having a premiere account still do not help the scenario where someone can call in and answer 4 questions from the credit report. 

This was not done by accessing my account online as I have changed my username and password several times, I also have always had XXXX enabled on the account. 

Experian does not adequately protect accounts in situations where an identity thief has not only a person 's SSN but also their credit report. 

I've filed a police report and supplied it to Experian with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting

To whom it may concern, Equifax, Transunion, and Experian previously took off all of the items on my credit reprt and reinserted it without my knowledge. The items was previously reported as identity and some was in violation of the federal act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Citi back try to play delay tactics to deny my claim ( attach is the citi bank letter ) XXXX My CITI bank account have been hacked from XXXX by XXXX person using XXXX XXXX to transfer the money out ( attach bank statement on XXXX and XXXX ) XXXX UNTIL XXXX, my account out of money. Then the hacker use the line of line in the amount of {$4900.00} to transfer the money out through XXXX XXXX. 
( attach bank statement on XXXX and XXXX to support ) XXXX On XXXX, I do call CITI bank to address the hacking issues. They suggest to stop all the saving +checking account in and out activities immediately and I do follow them. 
At the same them CITI BANK told me to go to the XXXX in person to close the old account and open up new account ( attach back statement XXXX to support ) XXXX XXXX, I do go to CITI to CLOSE all the account and start new account, ( Attach back statement XXXX and XXXX ) XXXX On XXXX, my new account get hacked again ( attach XXXX to support ) XXXX The XXXX XXXX do sent me a report for the person name and IP address for taking out the money. However, I don't know this person and I do call XXXX XXXX and they told me I do not need to pay anything ( attach XXXX is the letter to support )
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the XXXX XXXX breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Credit card

For the entire year I've been pleading with capital one to offer me a repayment plan for my XXXX accounts with them that I could actually afford. To date, capital one has REFUSED to offer me terms that are realistic, resulting in me missing payment after payment. Of course this has resulted in repeated negative hits on my credit report. It has become clear that capital one has NO INTENTION of helping me. Instead, capital one CONTINUES TO CHARGE MY ACCOUNT OVER THE LIMIT FEES, not because i personally went over the limit, MY ACCOUNTS ARE OVER THE LIMIT BECAUSE OF THE FEES. So in short, capital one is getting rich off of my inability to make my payments. I have been enduring SEVERE FINANCIAL DISTRESS for all of 2023. They continue to mail me letters with payment amounts that i can not make. I would like to add that capital one is the only creditor that I am behind on payments with. All my other creditors have removed the interest and lowered the payments, and I haven't missed any payments with any of those bills. Capitol one refuses to work with me. I have filed complaints in the past, but NO ONE is holding capital one responsible for anything... and I want to know why. If capital one removed all interest and late fees, and offered a repayment plan, let 's say {$50.00} on each account, I could likely be able to manage that. Instead, they are asking for payment amounts I just don't have. I am self employed and can never anticipate my income. If it weren't for my husband paying the mortgage with his pension, I would be homeless. XXXX is enough with capital one and their heartless practices. I can't afford small claims court, or even to fix my car to get there, even if i wanted to. Yet, capital one is getting rich off of the suffering of others!!! Moving forward, I am going to make small payments, and I know it won't be enough, but until capital one offers a solution that is actually something I can afford, they will get what they get from me. I will NEVER call the customer service number again, because they are useless, and only offer terms that i can not meet. It is past time for someone to hold capital one responsible, especially since there are so many customers like me with the same complaint. Before the pandemic and my current financial strain, I had always made my payments on time with capital one, and now that i am in a dire financial position, they just don't care, as CAPITAL ONE CONTINUES TO PROFIT OFF OF THE SUFFERING OF OTHERS, which should be considered criminal!!!!! I hope that someone finally puts an end to this insanity!
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : EXPERIAN : DEPT OF EDUCATIONXXXX XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent all 3 bureaus a validation letter back on XX/XX/year> and no one responded to me. None of the listed accounts belong to me and I want them removed from my credit file immediately.
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 proces 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Please allow me to introduce myself, my name is XXXX XXXX. I have a legacy of issues with Specialized Portfolio Servicing XXXX SPS XXXX. This company is far from being a competent, fair and honest mortgage servicer. 

I have a history of the SPS miscalculating and property tax escrow funds. As a result, a local Georgia out sourced collection company XXXX XXXX has taken the negative action of placing a property lien on my property without notifying me prior. I only received a tax lien noticed from XXXX without prior communication or warning. SPS did communicated to me on this matter. 

In XXXX of 2015 I received a large check from SPS due to a miscalculation of my mortgage payments when my mortgage servicing was transferred from XXXX Mortgage. I received no interest or compensation for this error.
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. 

1, XXXX XXXX Acct # XXXX XXXX, XXXX XXXXe Acct # XXXX XXXX, XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Bank account or service

There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order.
Product: Mortgage

This is a long story that started with a Ch.   XXXX   BK in  XX/XX/XXXX . BK ended in  XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of real estate market with Countrywide. The mortgage moved to BofA, then to   XXXX   XXXX   XXXX   XXXX  , then a shady secret account called   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   Then to a collection agency :   XXXX   and now since  XX/XX/XXXX with  XXXX , but  XXXX  still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When Bank of America transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $ 12K to $ 25K in unpaid mortgages they couldnt quite get their numbers straightI have been fighting to get some straight accounting from the start of mortgage with BofA but no one is willing to do their homework. Bof A didnt give the right numbers to   XXXX   XXXX   XXXX   XXXX   ever ... and neither of them bothered to find out .... and in  XX/XX/XXXX , they started cashing my checks electronically from  XXXX   XXXX  which somehow, I never got credit for, so when  XXXX  took over in  XX/XX/XXXX , they claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since   XXXX   ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XXXX  due to flexible rates ... ( I thought it {$1200.00} but have been paying {$1400.00} ) even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact, which they did n't ... I get lots of letters claiming to default on my condo and asking if I qualify as a veteran ... but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal. During  XX/XX/XXXX i did n't even get a 1098 Tax form credit of mortgage interest payments to use against my taxes ...
Product: Mortgage

Hi i have over  36 cf pb case claims against wachovia /wells fargo bank mortgages, iam awaiting repsponce from the cfpb and wells fargo bank mortgages who stole my home with perjury and fraud commited no missed paymant acounts mortgage and escrow in credit lost over {$270000.00} in hard earned cash and my penshion fund iam  XXXX   years old how do you exspect me to keep track on this corrupt bank w hen the cfpb system is a joke you deliberatly changed and blocked my password you send a email reset password and your link does not open so no i can not log in to my acount? Dont you think you have protected this corupt bank for long enough  36 cfp b casses and what have you done? you are fineing the small banks as a smoke screen but you need to shut this bank down fraud and perjury committed in courts all over  america  and you are protecting them you are a accessory to organised crime  mr  obama did nothing i will send my compliant to presidant donald  trump  and see what he thinks about this crooked bank wells fargo bank mortgages and crook    XXXX   XXXX     ceo
Product: Credit reporting or other personal consumer reports

I sent a dispute letter regarding account number XXXX with XXXX XXXX XXXX. This account was charged off back in XXXX by another company before XXXX XXXX acquired it. The original amount was {$320.00}. However, XXXX XXXX keeps renewing the account as if it were opened in XXXX. Additionally, they are reporting the same amount for this account across XXXX different XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy on XX/XX/2017. My XXXX hearing was XX/XX/2017 and my Bankruptcy was discharged XX/XX/2017. 
XXXX XXXX XXXX was one of the debts discharged in my Bankruptcy and while all of my discharged debts are reflected correctly on all three bureaus ( 0 balance and IIB ) Transunion is showing the discharged debt to XXXX XXXX XXXX as a 0 balance but as " Charged Off '' and NOT as " Included in Bankruptcy. '' XXXX  and XXXX both list the discharged debt as IIB. 
I'm hoping to be able to resolve this through your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to resolve the issue of addresses that do not belong to me being reported on my report. I have been contacting Equifax since XX/XX/XXXX of this year for the same issue and every time I get another rep who claims they will make sure it is removed they submit a dispute give me a confirmation # I get the results that they claim they removed and when I request for an updated report it still shows the same information I was advised was removed. I have spoken with their fraud department I have spoken to many reps that last 2 I spoke to XXXX XXXX on XX/XX/XXXX who provided me confirmation # XXXX which results state " DELETED '' and XXXX today on XX/XX/XXXX who provided confirmation # XXXX I also have spoken to many supervisors as of today I spoke to XXXX who gave me confirmation # XXXX. I also have previous confirmations XXXX & XXXX which also state results " DELETED '' I keep advising them XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX DO NOT BELONG TO ME
Product: Debt collection

i don't know who this company is and they are claiming it's kaiser debt but i pay XXXX directly XXXX, i don't owe them any money as i have always been current with kaieser
Product: Credit card

After meeting with BOA, service agents XXXX XXXX XXXX XXXX XXXX an excess of 5 times whereby phone calls were made to various BOA Departments, trying to locate the XXXX $ that were wrongly sent from BOA credit card to XXXX XXXX  agent after agent kept on telling us it would take a month to research case. 
Eventually BOA concluded that the money had been cashed by XXXX and that the transfer was legitimately completed. 
I never gave XXXX XXXX XXXX XXXX XXXX  I gave her my XXXX XXXX she read the number aloud and entered those. 
How that money ended up at XXXX XXXX  and cashed! is beyond me. 

After I reached out to CFPCB, XXXX XXXX XXXX sent me an email that she would be conducting her own investigation. XXXX XXXX works for BOA, as a Resolution Specialist, Regulatory Complaint Dept. 
She stated it would take another month for her to reach a resolution. 
Around XXXX XXXX XXXX, I received a letter stating that BOA was not at fault, that XXXX XXXX had showed me a summary of where the funds were being transferred ( not true ), that I had approved location where funds were being sent ( not true ) never saw check and that it was up to me to contact XXXX Bank to recuperate my money. 
I continue to stand by my word, that I gave XXXX XXXX XXXX XXXX XXXX, that she entered that account number, that when a window popped up with various addresses for XXXXXXXX XXXX, she asked which one there are various, she read the addresses aloud, and I said the one on XXXX, my initial account with XXXX was opened at a branch in XXXX XXXXXXXX XXXX  located on XXXX XXXX. And thus, she committed the mistake of sending the funds to XXXX Bank. The nearest location of a XXXXXXXX XXXX  is in Georgia, I live in Florida. 
What am I going to say? You have my money, please give it back? They are going to think I am a scammer. XXXX XXXX XXXX XXXX XXXX XXXX, tells me this needs to be performed internally by BOA. 
Thanks! XXXX
Product: Credit card or prepaid card

In XXXX of 2022, I responded to a solicitation from JPMorgan Chase Bank, NA to apply for a United Airlines credit card. I submitted my application and after waiting several months I never received a decision letter. I spent hours and hours on the phone with various JPMorgan Chase Bank, NA representatives. I was transferred over and over and over again. No one was able to help or provide information. I continue to receive solicitations from JPMorgan Chase Bank, NA to apply for the same credit card. It is disconcerting that JPMorgan Chase Bank, NA has no regard for the Federal Equal Credit Opportunity Act. As a XXXX XXXX, I am concerned that I facing discrimination from JPMorgan Chase Bank, NA