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

Ive tried to call, email and do stuff to obtain the credit report from Equifax. It has not been updated since XX/XX/2018. 
I was trying to refinance my home due to minimal income and unable to do so because they can't obtain my credit report from Equifax! 
This is hurting me drastically! 
Ive filled out all online consumer websites help here and emailed XXXX XXXX and Equifax. 
No answer from you. 
Please unfreeze my credit report now XXXX XXXX
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 confidentially under 15 USC 1681. 

XXXX XXXX : // XXXX All Acccounts Have Violated My Rights 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. States : A Consumer Reporting Agent can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Money transfer, virtual currency, or money service

( XX/XX/XXXX ) Venmo has deactivated my account without giving me a reason and I am unable to withdrawal my funds. 

I received an email from Venmo regarding my account being frozen and steps to comply to reopen it. I did as requested and sent a copy of my ID for verification. When I didnt hear I followed up on the Venmo chat and they requested again for me to upload my ID. We complied again and Venmo said they will need to pass it on to an account specialist.

The next email we received was regarding my account being deactivate and that all funds will be frozen for up to 180 days and that Venmo will no longer be responding to my inquiries. I emailed saying their must have been a mistake and I would like to know what I did wrong and how I could correct it. I got the same response that Venmo will not be able to assist me further.
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit filed against XXXX in XX/XX/XXXX. I insist you conduct an investigation of your reinvestigation as you are required by the FCRA LAW. I insist you do not accept the findings of the furnisher who do not provide thorough results of the investigation. Delete this account. I have provided below the attachment from my dispute stating THE RESULTS of XXXX DISPUTE dated XX/XX/XXXX from XXXX XXXX XXXX  # XXXX. I disputed account paid in full. XXXX verified and deleted this account XXXX and TransUnion inaccurate reporting has caused me severe harm, damages and unemployment.
Product: Credit card or prepaid card

In XX/XX/XXXX, I notified Best Buy that I did not agree to a monthly charge for debt protection program. Customer Service Rep told me that I signed up for the service in XX/XX/XXXX when I opened the account. This is a deceptive advertising because I did not agree to this monthly charge. I asked the rep to remove monthly charge from my account and to refund all the months I received the charge. Rep indicated that it would take 30 days for a decision. I received a letter after 3-4 days indicating that I would not receive a refund. I have researched the internet and found that in XXXX Best Buy Citibank was supposed to refund all customers for this deceptive practice for debt protection. I do not recall receiving a refund and dont understand why they did not remove the service from my credit card. I would like a full refund from all the months I incurred this charge.
Product: Mortgage

We have had a difficult time keeping up with the mortgage, and have been late on payments for a year now ( starting at the end of XXXX when the homeowner lost their job ; but not because of covid-19 ).  We are almost always a month behind. 

BAYVIEW LOAN SERVICING LLC ( XXXX XXXX, Florida ) " took over '' the mortgage ( XX/XX/XXXX ) when XXXX XXXX finally gave up ( after 18 years! ) - apparently, XXXX could not tolerate our being behind one or two months at a time. We have never been able to get a hold of Bayview on the phone : wait times are more than an hour. I am sure they have a good excuse for that : they don't answer any written complaints either. 

Now they are " withholding '' the XX/XX/XXXX mortgage payment - they refuse to deposit the check, which they received on or around XX/XX/XXXX, in the same envelope with the separate check for the late fee ( which they successfully deposited on XX/XX/XXXX ). 

TEN DAYS AFTER THEY RECEIVED THE MORTGAGE PAYMENT FOR XXXX ( " Monthly Payment Due XX/XX/XXXX '' ) - that would be yesterday ( XX/XX/XXXX ), we got the " ugly '' letter from them ( sent by certified mail, no less ), copy attached. 

For clarification, our monthly mortgage payment is ( and has always been, ever since XXXX XXXX said goodbye ) {$880.00}. The late payment fee is ( and has always been ) {$23.00}, which we always write as a separate check because Bayview seems to have a XXXX of a time figuring out the two separate amounts if you combine them into one check. They also struggle with the amounts for Escrow and Insurance, both of which can change from year to year ; we know that our property taxes went up last year. I, a simple, lowly customer, can figure out the amounts after a bit of time and research, but I am not inclined to do their work for them. 

Additionally, Bayview has been trying to get us to pay " just a few extra bucks '' for an unspecified fee - it seems to vary from month to month and again, I am not inclined to do their work from them. They have yet to explain UP FRONT and CLEARLY what that " extra '' XXXX or XXXX bucks is for. We were told by XXXX XXXX that we would not be charged anything for them kicking us down to a second-class " mortgage servicer ''. 

I realize how insignificant my mortgage troubles may look in the big picture : however, I also believe that shady players like Bayview need constant reminders that I am not an easy target, and I will not quietly tolerate their less-than-subtle intimidation tactics. I fully expect they have a few more cards up their sleeves - all perfectly sanctioned by existing regulations, of course - and that the first chance they get, they will be playing more tricks. Who knows how easy it is to push senior citizens over the edge into foreclosure, which is even more profitable than " servicing mortgages ''! 

XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later t

han 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no
other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all 3 credit reporting agencies. 
My XXXX XXXX accounts have inaccurate information regarding a pass due status. 
lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.
Product: Credit card

XXXX XX/XX/2024 : I opened up a time payment plan offered by Chase Bank which allowed me to set monthly payment of {$1000.00} per month over a 12 month period interest free. I called to inquire if the plan could be paid early without penalty. I was only advise that I would have to pay the TOTAL amount owed on the plan. I could not apply additional payments solely against the plan. WHAT I WASN'T ADVISED WAS THAT ALL REFUNDS FROM PREVIOUS PURCHASES WOULD BE APPLIED TOWARDS THE INTEREST FREE PLAN AND NOT MY CREDIT CARD PURCHASES. THIS INTEREST FREE PLAN HAS BEEN REDUCED FROM {$12000.00} TO {$5000.00}. IN TWO MONTHS.

I only realized what was happening after a second billing cycle which showed my interest free plan had been reduced by several XXXX of dollars. I call Customer Service. The bank has records of my calls about my issue. The first representative stated my issue would be referred to the escalations department. Last week I spoke to supervisor who assured me it was being looked into. Only, during these conversations, was I advised re : the credit card refund policy to the plan. I was also advised to expect a follow up in writing. 

On XXXX XX/XX/2024, I made another called to the bank and was passed onto a person in the escalations department. He reiterated the plan policy and flatly stated nothing could be done to fix this issue. He gave me the address to write a letter to Chase Card Services. I wanted the funds moved from the plan to the credit card purchases making up my balance. 

I called again later in the afternoon. I asked the representative where -in writing- is the policy advising the consumer that all refunds to my credit card would be applied to the plan first and NOT back against the original purchases.. I also asked where can I see the itemized list of the refund transactions applied to the plan. I only see total amounts reducing the amount owed on plan. My rewards points of over {$1300.00} was cashed in and I do not know if the moneys were applied against the plan. 

When I set up the pay over time payment plan, there was no accompanying documentation. I question if this is a fair practice and even fraudulent. To avoid paying interest on my credit card, I have had to pay a larger interest saving balance. It contradicts the reason why I set it up the plan in the first place. Certainly not in the best interest of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit for the first time and realized someone has been using my identity. I have not gave no one permission to use my social to apply for no credit card.below are the accounts that don't belong to me : XXXX XXXX- Opened XX/XX/XXXX - Amount {$330.00} XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - Amount {$1000.00} 3 ) XXXX   XXXX / XXXX XXXX Opened XXXX Amount {$0.00} 4 ) XXXX- Opened XXXX Amount {$0.00} 5 ) XXXX XXXX- Opened XXXX Amount {$0.00} 6 ) XXXX  XXXX XXXX- Opened XXXX Amount {$0.00} 7 ) XXXX XXXX XXXX- Opened XX/XX/XXXX - Amount {$900.00} 8 ) XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX - Amount {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX18 I spoke with a representative at Equifax in the Fraud Department by the name of XXXX. I told XXXX XXXX had been a victim of identity theft and that there were two particular accounts I wanted to inquire about due to Equifax investigation being complete. The two accounts were XXXX XXXX  and XXXX XXXX which I was told the previous day that those accounts were validated from the creditor. I explained to XXXX that this was impossible, due the fact that XXXX XXXX whom is a 3rd party collector, is no longer in business, but yet somehow still appears on my Equifax credit Report. I explained to XXXX that neither Equifax or XXXX XXXX has been able to provide any original documentation or application containing my signature and that a Police Report including both of those accounts for fraud was filed and sent in to Equifax and already received. XXXX stated that EQUIFAX does not do any verification of any debts from the original creditors. I then explained to XXXX that under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) states any item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item ( s ) of information from the file of the consumer, or modify that information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX then stated that should would be to mail me out their companies procedure for how they validate accounts. I explained to XXXX that was necessary because I am very familiar with the Fair Credit Reporting Act. In addition, Equifax has also refused to block these Fraudulent accounts from appearing on my credit report within the 4 days of receiving my request without notifying or explaining any reasonable determination which violates the Fair Credit Reporting Act section 605 ( B ).
Product: Student loan

MOHELA is a terrible servicer. I had my SAVE plan calculated to {$0.00} payments in XXXX. They reverted my account to the previous {$76.00} a month payment. I was forced to re-apply for XXXX again. I have contacted them numerous times to waive the payment and correct immediately and they have been unhelpful. It is either sit on hold for XXXX hours or wait weeks for a response to a message via their portal. I am now stuck making payments I shouldnt have to make. Dealing with them is impossible.
Product: Consumer Loan

Please reverse the {$34.00} NSF fee as it was a duplicate of the other {$34.00} fee, that is, you assessed two NSF fees for the same exact thing, which was that your decision to suspend my Citibank Custom Credit Line without any notice or awareness by me and moreover, for no reason that anyone at citibank customer service can explain, put me in the position of being unable to simply move {$56.00} from my {$32000.00} credit line to make the {$76.00} payment clear. I could have completed that the same day the overage occurred, XX/XX/2016 if you had not suspended my credit line 5 days earlier without my knowledge. I had told your staff before I left that I was going to be in Hawaii for a week, where as you know there is NO Citibank branch in all the XXXX, so I was completely helpless to do anything EXCEPT move the money from my Custom credit line the same day to my Checking account -- the one avenue I had available to remedy the shortage -- but you had cut that off, again for no reason at all and without my knowledge or awareness until I tried to use it on XX/XX/2016 and found that I COULD NOT. I called your Customer Service number and spoke to a total of six different Citibank CS personnel throughout the whole day of XX/XX/XXXX, being passed around from one to another, so that I was on the phone for hours, repeated to each agent that I was in Hawaii ( which they could see by the phone as I called from my hotel room land line at XXXX ) and that I needed to be able to move the money from my Credit Line to my checking to cover the overage. No one could help me ; they EACH said they could NOT UNDERSTAND why my Credit Line was even suspended in the first place five days earlier. I had NEVER done anything wrong or against the rules, or even imprudent, nor made a late payment -- so why was it suspended just when I was away from home, on travel status, in Hawaii where there are no Citibank branches, and then suspended so I could n't use it? For this reason, that I was powerless to do anything about the overage due to Citibank 's sudden and unknown to me, secret disabling of my account for no reason, actually 5 days earlier -- that I incurred the overage in the first place. If you had not done that, I would have been able to move the funds and not incur an overage or NSF situation. THat Is why the remaining {$34.00} NSF needs to be reversed, just as you already reversed the other one. THank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX  VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I would like to place a formal complaint against XXXX, Experian XXXX XXXX for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. XXXX is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. The Privacy ACT OF 1974 should be the one and only thing that should get this fixed for me. Please help me get this violation removed from my credit report. It is unverifiable. It needs to be removed within 5 days. For the simple fact it never should have be on my report in the first place!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Salle Mae has inaccurate information on my credit report and i want it removed. 
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.

Convergent Account # 1234, 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 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: Mortgage

I purchased my home in XXXX with a mortgage ( Loan # XXXX ). Wells Fargo Home Mortgage services my mortgage but they explained the lender is a private lender. Wells Fargo will not disclose to me who owns my mortgage. I have inquired many times who my actual lender is with the most recent inquiry being on XX/XX/XXXX. 

I have not missed a single mortgage payment in over a decade since my mortgage was refinaced with the HAMP program in XXXX or XXXX. However, I have occasionally struggled to pay my mortgage on time before the XXXX of each month thereby incurring exorbitant late fees imposed by Wells Fargo. They will not allow me to pay just my mortgage on their website without first paying the accrued late fees. In order to pay just my mortgage every month without the accrued late fees I must therefore mail in a check which because of USPS delays often arrives after the XXXX of the month, incurring even more late fees. The late fees now total more than {$4000.00} which is causing a hardship on my family which has been hit hard by the Covid-19 pandemic.
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of several accounts on my report on XX/XX/2025, via the CFPB website report # XXXXXXXX and sent direct mail to them of the dispute. Experian returned with their canned computer-generated response on XXXX but failed to complete the investigation and today is the XXXX of XXXX. Under the FCRA, credit bureaus are obligated to investigate disputes within 30 days of receiving a consumers dispute. They must also provide the consumer with the results of their investigation in writing. If they fail to complete the investigation within this time frame, the disputed item must be removed from the credit report. This has not happened!