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

I recently made a complaint to Equifax about not being able to access my " myEquifax '' account since XXXX of XXXX and not being able to see my score or credit report on " myEquifax '' or XXXX. I also included in the complaint that lenders who use equifax to determine eligibility are denying me credit because when they go to check my credit history, there is no file on record for me or they are unable to access it. I have a great credit score and have never been denied for anything until this error came into place around XX/XX/XXXX. Equifax 's response was that I would be sent my credit score and file in the mail. This was false as i never received my score, only the credit file itself, and not the resolution I asked for. While it is good to know they have my credit file, I was never sent my score as promised nor can I log into their website ( myEquifax ) as I should be able to since I've had an account since XX/XX/XXXX. I have spoken with over 10 reps who have all said IT will fix the account and get back to me. This has been an ongoing problem since XXXX of last year and no being able to go through lenders who use equifax and also not being able to access my score and file ONLINE is hindering me in more ways than you can imagine. I was informed I was apart of the data breach in XXXX so I'm not sure if that has anything to do with it but this is ridiculous and has been an extremely frustrating process. Almost a full year of begging for my score, my " myEquifax '' account back, and my file to be open and accessible to lenders. I spoke with a representative who told me he deleted the account and to make a new one, that did not work. I spoke with a rep who had me change emails for the account, that did not work. I submitted screenshots of both failures. 10 reps and 2 CFPBcomplaints later I still can't access my score online nor can I log into " Myequifax '' this error even affects my XXXX access to my records. I will submit a screenshot of that also. Its pretty insane that I receive promo emails to sign up for Equifax Complete Premier accounts and other promo from equifax, but cant take advantage. This needs to be taken more seriously because I've been dragged along long enough. I can't even see my score on XXXX, XXXX XXXX, and other companies who partner with equifax to show you your score.
Product: Credit card or prepaid card

my daughter received a credit card offer from capital one 23.74 % XXXX $ late fee she is a XXXX XXXX and has no income this is predatory..take her off your list where did you get her name and info?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several FTC affidavits to EQUIFAX regarding fraudulent inquiries and a fraudulent account by the name of XXXX XXXX XXXX XXXX   which was deleted and placed back on the next 3 days and equifax removed the positive account with the similar name and is refusing to correct the issue they simply deleted the wrong one which was positive and opened XX/XX/2017.
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX identity iq or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting XXXX or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions
Product: Checking or savings account

Marcus by Goldman Sachs offers a 1 % referral bonus to customers who successfully refer a friend or family. Even after multiple instances of representatives confirming a friends account being opened as a result of my referral and my friend confirming he used the link ( techs, spoke to my friend TWICE ), Marcus by Goldman Sachs has denied me the bonus. The representatives lack customer service and an ability to solve client concerns. They state that if I would have called within 3 business days of the account being opened, that they could have manually credited my account with the referral bonus. I notified them within a week. XXXX. I asked where this was disclosed to customers and they advised that it is only disclosed in internal procedures and not to the customer. Can you say false advertising? Unacceptable! I will be closing my account and Id advise anyone who cares about the legitimacy of their bank and CUSTOMER SERVICE to find another bank.
Product: Credit card

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Product: Credit reporting or other personal consumer reports

when i would call the back of the card to make a payment they would send me to the app to try and make a payment. the app would have trouble processing the payment. and then i asked if i can get a bill in the mail. never did i get one. 
i did pay the card off
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of there violations
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX Hotline : XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
Enrolled in program XX/XX/17 informed program would take 36 months with agreements made with Creditors. Took many months for this agency to make agreements with Creditors resulting in two accounts being put on Collections and one account XXXX XXXX filing Judgement against Client. Client was informed that accounts would be paid and negative information on Credit Report would not happen because Agency had plenty of time to make arrangements with original Creditor. Client has paid many fees to Agency including Legal Security, Service Charges and Phone Pay and does not understand how the Agency expects the Client to pay Collection Agencies when Client informed them that he did not want to deal with any Collection Agencies and does not owe any debts nor has any contracts with any Collection Agency. The account is operated by XXXX XXXX XXXX   with monthly amount put into Escrow {$760.00} bi-weekly, {$1500.00} monthly. There's something just not right about the way the agency is taking the slow method of paying off Creditors resulting in longer payment times is which the cash goes where? This program resulted in additional Financial and Legal issues plus Credit issues on members Credit Report which should be removed.
Product: Debt collection

Sent letter to company on XX/XX/XXXX to opt out of reporting on collection item dated XX/XX/XXXX for the amount of {$250.00}.
Product: Credit card or prepaid card

FEB-RETAIL Last reported XX/XX/XXXX {$0.00} Open balance {$4000.00} Credit limit Balance carried not confirmed Credit limit {$4000.00} You're using 0 % of your account 's limit Checking for errors? Review your full report details. If you find any issues, we can help. 




Hey XXXX It looks like an account with FEB - RETAIL was added to your XXXX report. 

This could definitely impact your credit score ( like by lowering your average age of open accounts or increasing your total number of accounts ). 

Don't recognize this card? You can file a dispute with the credit bureaus. 


See the card *Based on your credit report information from XXXX as reported on XX/XX/XXXX. 


This is a promotional email. 
To manage your email preferences, please go to notification preferences. 

Hello, I received this email last friday XX/XX/XXXX from XXXX XXXX  that there is a new account on my credit report and I have not applied for any credit card. Please I need help thank you.
Product: Debt collection

I contacted Midland Funding on XX/XX/XXXX to request a hardship on a XXXX XXXX ( XXXX ) collection account. After reading in Midland Fundings website it clearly states : -We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

I informed the company of my medical diagnosis " XXXX XXXX '' I was diagnosed in XX/XX/XXXX.  Because of XXXX treatment I was unable to maintain my employment with XXXX XXXX. I lost my housing during that time as well. Over the last 2 months my children and I have lived at XXXX XXXX. And I receive {$380.00} monthly in child support. 

On XX/XX/XXXX I faxed over documents : verification of shelter stay, and court ordered child support. I was told by my account manager that I did not qualify for a hardship. I stated THEIR company verbiage that according to them qualifies you for a hardship ; which is listed not their website. I was instructed to resubmit the documents and I would be notified through mail. I told my account Rep that I did n't have a current address, she then stated that she would contact me via telephone with the status approval/denied. As of today XX/XX/XXXX I have not been contact by anyone at Midland Funding LLC.
Product: Credit reporting or other personal consumer reports

I'm filing this CFPB complaint that you EXPERIAN consumer reporting agency are reporting inaccurate and incomplete information. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the account listed below. Please be aware that automated responses or e-OSCAR verification are unacceptable for addressing this matter. A detailed re-investigation and explicit disclosure of your verification method are required as per the statutory guideline. I demand that the following accounts be validated or DELETED immediately : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$9300.00} Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} In addition, DELETE all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit card

Almost 13 years been a customer at Comenity/Express . Never late, always managed my account superbly. After having a XXXX balance, on XX/XX/13, I made a purchase and that same day Comenity/Express erroneously reduced my credit limit from {$2900.00} to {$100.00}, citing bs from my credit report. I have XXXX lates on my credit report, have managed all my accounts superbly as well. Now, the new credit line is less than 25 % of what my balance is, which will have a negative impact on my credit score because it shows I can not manage my credit. I demand that Comenity/Express restore my credit line back to my original {$2900.00} and send a written apology. This is predatory lending. There needs to be more oversight over these banks that are ruining perfect consumers credits.
Product: Credit card or prepaid card

I notice that my payment that I submitted to Discover Card on   XXXX   XXXX  , 2017 ( the due date ) is now being considered a late payment and I have been charged a late fee of {$27.00}. I do not believe I should be receiving a late fee since there was no mention on my online account page that my payment of {$57.00} had to be received by a certain time (   XXXX   Eastern Time ) on the due date. The only time you find out your payment is late is after you click the " Make Payment '' button. I would appreciate if your agency would look into this.
Product: Checking or savings account

I have been with Wellfargo for more than 20 years with no issues. My debit card was about to expire so Wellfargo sent me a new card, card didn't arrive. On XX/XX/XXXX, I received several emails and texts from Wellsfargo alerting me of fraudulent charges with incorrect password, transactions were from XXXX, XXXX, XXXX  and GAS STATIONS. Only 2 transactions went through, gas station for {$200.00} and XXXX for $ XXXX dollars, of course there is no need for the pin code. 
I immediately called the bank to let them know so they canceled the card. Two claims were filed to reverse those transactions. 
2 days later I went to get my mail and noticed our mailbox was broken. I immediately called the police to file a report, they also suggested for my to contact the XXXX police department which I did. I reached out to the Homeowners Association to let them know about the vandalism issue. They also informed me there were several broken mailboxes around the neighborhood. I called the three credit bureaus. I did everything in my power to protect my identity. Called werlfargo to ask if they need it all my evidence, their response was NO. 
A week later the $ XXXX dollars were approved and back in my account, the {$200.00} was denied. I called again and asked them for the reason of my denial, and they stated it was because there were conflicted comments from their representative, one was saying I have my card during the transactions and the other one that the card was stolen. I asked Well Fargo to open the claim again and I will send all my evidence. I called today XX/XX/2023 and they claim was denied for the second time because they cant find no evidence that the card was stolen from my mailbox. I requested a manager to get more information on why my evidence was not enough, XXXX from the sr. analyst refused to provide me with more information and say there was no one else I can speak with, and it was a final decision. 
I would like for the Consumer Financial Protection Bureau to help me with this claim. I have attached all my evidence for your review. It is not right to leave our money thinking it will be protected and when issues like that happen, we are cut dry not taking any steps to help their customers. 

WellfargoCaim number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked XXXX numerous times to remove XXXX XXXX XXXX Im not aware of it Ive spoke to them and They said I had to report it Ive spoke to equifax and they saying the same thing its a car on my report I have no clue about I just graduated college and my school loans should be the only thing on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a certified letter to Experian asking them to provide me with the details involving their verification procedures. On XX/XX/2018 Experian says that they have completed their investigation process and they have found the accounts to be verified. Experian failed to provide me with information on how they how they went about their investigation process in order to verify the 2 XXXX accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY LANDLORD STOLE MY IDENTITY AND USED MY PERSONAL INFORMATION THAT I USED TO VERIFY MY IDENTITY TO MOVE IN AGAINST ME. I LIVED IN AN XXXX  YEARS AGO WITH THE OWNER OF THE HOUSE ACTUALLY LIVING THERE AS WELL. I NOTICED AS TIME WENT ON THINGS STARTED MISSING FROM MY ROOM SO I INSTALLED A HIDDEN CAMERA. XXXX XXXX I WENT OUT OF STATE TO VISIT MY GRANDMOTHER AND THE LANDLORD CLAIMED HE HAD FRIENDS OVER AND "SOMEONE MAY HAVE WENT INTO MY ROOM" BUT IT WAS HIM. HE WAS ALSO THE ONLY OTHER PERSON WITH THE KEY TO MY ROOM BEING THAT IT WAS HIS PLACE. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.





FRAUDULENT ACCOUNTS:

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Product: Mortgage

I had a mortgage through Wells Fargo. In XXXX of 2014 I re-financed my home through Wells Fargo. ( I hoped this would make the process easier ). This year when my taxes/insurance were due, Wells Fargo informed me that my escrow had been used to pay the closing cost for the re-finance. However when I re-financed I was told the closing cost was added to my principal loan so that I would not have any out of pocket dues, which I agreed to. Now they say I owe an additional ( approx ) {$150.00} a month to cover the escrow and have not yet paid my insurance or taxes.
Product: Credit card or prepaid card

I received a letter from Wells Fargo stating they decreased my credit limit from {$4300.00} to {$1800.00} for the following reasons : Late Payments or Negative record 12 months Too Little time since credit card opened Recent Late Payments on my credit report The letter states the decision was based on my consumer credit report. 

It also states my current score is XXXX ( score range from XXXX - XXXX ) When I called Wells Fargo on XX/XX/2023 and told them none of the above was true, I never had any late payments on my credit report from any on my credit cards including Wells Fargo. I was told it was because my bank checking accounts had showed bad banking history.

I do not owe Wells Fargo any money for fees as they take their money for NFS fees when I go negative. I havent paid them excessive fees for NFS and truly believe that this action is racially motivated on behalf of Wells Fargo.

My credit utilization across the board is an average of 26 %. Now that Wells Fargo has lowered my limit, my utilization with them shot up to 76 %.

This is an direct attack to damage my credit rating. The letter I received is slander and nothing on the letter is true. The letter should of reflected what I was told by the credit card Department representative. 

This is a XXXX attempt to destroy my credit rating I work hard to establish. I am an XXXX XXXX XXXX and this is systemic XXXX  as well discrimination we continue to endure in this country.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to lodge a formal complaint against PayPal regarding an issue that has adversely affected my financial obligations and credit standing. For the past several months, I have been using PayPal to successfully complete my monthly XXXX XXXX  payments to XXXX XXXX, each in the amount of {$1300.00}. This method of payment has been consistent and without incident for XXXX months, demonstrating a reliable transaction history and sufficient funds for each payment. 

However, on XX/XX/2024, after receiving my work deposit, I attempted to make my regular payment to XXXX XXXX through PayPal. Unexpectedly, PayPal blocked this transaction. Despite my account having sufficient funds to cover the payment, PayPal has not provided a clear explanation for this action nor resolved the issue promptly. As of XX/XX/2024, the payment remains blocked, resulting in my account being overdue and potentially subjecting me to late fees and negative impacts on my credit score. 

I have attempted to resolve this issue directly with PayPal 's customer service without success. The lack of resolution and communication from PayPal has left me in a precarious financial position, unfairly penalizing me for a situation beyond my control. 

In light of this, I am seeking the following resolutions : An immediate investigation into why the payment to XXXX XXXX was unjustifiably blocked. 
Swift resolution of this block, allowing my payment to process without further delay. 
Assurance that such an issue will not recur in the future, along with any compensation for late fees or financial inconveniences incurred as a result of this incident. 
Enclosed are copies of my transaction history with XXXX XXXX, demonstrating my consistent payment record, and any correspondence with PayPal regarding this issue. I have omitted personal information for security reasons but am willing to provide these details upon request. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist me in resolving this issue promptly and fairly. Please do not hesitate to contact me for further information or additional documentation.