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

I added a freeze to my Equifax credit report on XX/XX/XXXX and Ive been lifting the freeze periodically so that creditors can access my report. However, recently I called in to lift the freeze and was told I need to mail utility bills in order to lift the freeze. On the letter dated XX/XX/XXXX, the letter clearly states a PIN number which I have used before to lift the freeze and the representative would ask for other details regarding my report to verify my identity to lift the freeze. I have called numerous times and can not get through to an agent to lift my report. I would like the freeze to be lifted permanently since Equifax is making it so difficult for me to access my own file.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX  Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.
Product: Debt collection

This is a rental debt from XXXX that was first placed on my husbands credit, weve requested and received paper based evidence in XX/XX/XXXX. The charges placed on us is not supported by the contract/paper evidence, its a bogus charge after our contract was terminated. Weve talked on the phone for 30 min without the representative offered any evidence to justify the additional rent charges of {$400.00} which more than covers the debt theyve claimed. Therefore the debt was removed from my husbands credit. However, this debt was placed on my name XX/XX/XXXX, which Ive also successfully appealed from my credit union. This is the 3rd time theyve put the same debt under my husbands credit 2 days ago. XXXX is clearly harassing us with this debt that they dont have credible evidence of. Please help us and fight for the consumers right.
Product: Mortgage

I have been trying to refinance my second mortgage with Provident Funding. They originally had my first and second mortgage and sold my first mortgage to another company. The second mortgage which I thought was a fixed term is a balloon payment due in less than 2 years now. They refuse to work with me and refinance this mortgage to make it a fixed term. After going back and forth for many months they now tell me they will refinance my mortgage if I do my first with them. This is unacceptable because they sold my first mortgage to begin with. Now they want to charge me full fees in the amount of {$3000.00} in closing costs plus a {$550.00} appraisal fee to make this happen. The only other option is the second mortgage will default when it come due which Provident is aware of and they said they may help me or work with me when I default. This is the most outrageous thing I have ever dealt with when dealing with a financial company.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX  XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX  XXXX  is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.
Product: Credit card or prepaid card

We have a credit card with Capital one that has both our names on the account, XXXX XXXX and XXXX XXXX, married. There were some small charges that appeared this summer of 2019 from a company called XXXX XXXX on the joint account under XXXX 's credit card. We called capital one and they stopped the charges and issued a new credit card for XXXX. Later on in the summer, we thought we had not activated the credit card yet when new charges from XXXX XXXX appeared on XXXX 's card again, One on XX/XX/XXXX and one on XX/XX/2019. We again called capital one and this time they told us they would investigate the charges and give us the money back to see who this was coming from. We had a new card issued and did not hear back from capital one. The new card was never activated and yesterday we noticed a charge on XXXX 's card from XXXX XXXX, on XX/XX/2019. We know her card was not activated before this charge was made to her account. All of the credit cards she has gotten through capital one have different account numbers on them so no one has had access to the third credit card that we just got because it has been sitting in a draw at our house unused. The only people who have had access to seeing that card are the workers at capital one and the postal service as it was sent through them. We have wasted time on the phone with capital one at this point because the cards are being charged by this same company over and over again without any resolution from capital one. Without us activating or using the credit cards it concerns us that someone has unauthorized access to capital one 's new credit card numbers.
Product: Student loan

I had XXXX under my school loans and before XXXX was XXXX XXXX which goes back to year 2013. XXXX is currently being sued because of there conduct of how they handled there school loans.I have two school loans with them and currently they switched to XXXX. Im  XXXX and sent my paperwork showing my full XXXX and Navient thru me under the bus and couldnt help me dismiss my loans. I had the run around and XXXX kept switching me from forbearance to income driven with my account where I should be under XXXX percent XXXX with all the paperwork that was sent to them from my doctor and myself. XXXX never got my records straight and kept charging me interest throw out the years from 2013 till today. I want my school loans dismissed due to XXXX messing up and me being XXXX. If I have to get my own attorney, I will. I hope you can assist in getting my two loans dismissed. XXXX caused a real mess with my accounts. Please call me, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.
Product: Debt collection

I refinance my home loan in XX/XX/XXXX, and was mailed a letter by International Capital Group , Inc. ( the loan servicer ), stating that I was not required to make a XX/XX/XXXX payment since they sold the loan to XXXX XXXX in XXXX. I was contacted today ( XX/XX/XXXX ) by an attorney in the legal office of International Capital Group stating that they made a mistake in mailing me that letter, and if needed to pay it immediately otherwise International Capital Group could take legal action against me in court to extract payment for the amount of {$1500.00}.
Product: Credit card or prepaid card

The company ( Verizon Visa Card issued by Synchrony Bank ) failed to record a payment made by check which cleared my bank on XX/XX/XXXX. The company was unable to confirm receipt of my cancelled check through their secure website dispute submission. I spoke with 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. The company sent me a refund check for {$1600.00} which is erroneous. I am claiming a refund amount of {$840.00} which would leave the account at XXXX. Multiple attempts to resolve this issue have failed due to the difficulty of speaking with a competent customer service representative.
Product: Credit reporting or other personal consumer reports

In the results of your Previous investigations, you stated in your CFPB Response that you verified that these items are being reported correctly? That the Inquiries were factual?? Your refusal to delete UNVERIFIED information from my consumer file, and show me written consent that these Inquiries are mine XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED Inquries listed below are not deleted immediately. A copy of this letter as well as copies of the XXXX written letters sent to you previously and or previous CFPB COMPLAINTS will also become part of a formal complaint to the Federal Trade Commission. I have attached a IDENITY THEFT REPORT WITH THE FTC ATTACHED HERE TODAY, which will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite XXXX written requests and a CFPB REPORT, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).? XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Again these Inquries are not mine, I am unfamiliar with them and do not and have not conducted any business with these increase. I demand that you remove them at once.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the failure of the credit bureaus to provide proof of validation for disputed accounts, as required by law. Despite my repeated requests for proof of validation, the following reporting agencies ; Experian, XXXX, and XXXX have failed to provide any supporting documentation and have simply responded that the information will remain on my credit report without any changes : 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 {$1200.00} This failure to provide proof of validation for the disputed accounts is a violation of my rights under the Fair Credit Reporting Act. I have the right to request and receive accurate and verifiable information on my credit report, and the credit bureaus ' refusal to provide this information is a direct violation of this right. 

I urge the CFPB to investigate this matter and take appropriate action against these companies for their non-compliance with the law. I request that the disputed accounts be properly validated or removed from my credit report as soon as possible. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX was sent from my cash app account $ XXXX to $ XXXX I do not know this person and XXXX  XXXX XXXX at the time also the name has changed to XXXX XXXX there is also charge from XXXX XXXX XXXX XXXX that I nnever made and XXXX XXXX XXXX i did not make also charges from XXXX XXXX on XX/XX/XXXX for XXXX I have nno idea what this is I was denied on this also at present I have no idea where my money was sent
Product: Credit card or prepaid card

Listed below is an email I sent this organization yesterday and today.     In  XXXX     2017 I  purchased a TV using a  XXXX    XXXX   and my Rush pre-paid debit card that I have my payroll load every other week. The TV became defective and  XXXX   XXXX  allowed me to return the TV for a full refund. Instead of using the  XXXX   XXXX  the sales associate put the full refund back on the  Rush Card be cause the sales clerk was having issues with the system. I never knew this was a violation for  XXXX  or cause an issue with m y Debit Card. When I went to use my card the following day I found out there was a hold on my account. Instead of the co mpany placing a hold just the refund they have frozen the complete account including my payroll funds. For the pa st three da ys I have not been able to reach anyone from the company. The customer service agent in a third world country is unable to help me. After sending o ver 100 emails I fin ally, did receive a response from their office. I was told from a  XXXX  to fax in my id and original receipt which I do not. All I had was the receipt of the transaction that happen ed two da ys ago.     At this point I ask that your company do a complete investigation and hopefully help me with having the hold released on my account.     EMAIL sent to the  Corporate offi ce.   To Whom  it may concern : I have been a customer with Rush Card for sev eral years and since this organization has a license with your company, I feel this issue needs the utmost attention. A few days ago I had returned a TV at  XXXX   XXXX  due to this item being defected. The transaction was processed and a credit was posted to my card. This is where the issue begins. On Friday the  XXXX  of  XXXX  any transactions I have made using my card were denied. I have tried to reach the customer service department, however they are located in the  XXXX  and they do not speak English. Apparently, RushCard and  XXXX  has my account on hold and blocked all of my transactions for some bizarre reason. I was told to call the corporate office because I had a credit post to my account? Apparently, the corporate office is not open or there is no one in the  XXXX  to resolve this issue. I have called every number that I can find with Rushcard and no one is available to help its customers. Since, Rushcard has ruined my  XXXX   XXXX  weekend, and unable to visit my family, this will become a public relations nightmare for everyone.     I completely understand about security with a bank and a credit card, but this company should not be able to just freeze an account without calling its customers. This is not customer service nor how a bank should treat its customers. I hope your organization will revoke its license with  Rush Card. Y ou would think that after the   XXXX   dollar lawsuit and a new CEO this organization would learn how to treat its customers.
Product: Mortgage

FCI Lender Services INC and XXXX XXXX XXXX, Defined Benefit have both declined modification and extension of my loan with payments that I can afford repeated request have been met with denials
Product: Credit reporting or other personal consumer reports

The reporting of the late payments from account XXXXXXXX XXXX # XXXX Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. The PAYMENTS ON THIS ACCOUNT WERE NEVER LATE! AS ITS ILLEGAL TO REPORT ANY TIMIMG OF PAYMENTS THAT INCURRING ON FINANCE CHARGES. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1666b. Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted XXXX and spoke with a representative that stated the request to remove was done ; contacted Experian ( no representative available, only automated system ). I tried to use the prompts but when the call ended the Experian system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it disturbing to see my Credit File infested with fraudulent items as this will be my third request to remove these information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. But despite the previous dispute letters I sent to the Credit Bureaus, these fraudulent items are still being reported. The Credit Bureaus ' blatant neglect of the Fair Credit Reporting Act section 605, is a clear violation of my consumer rights under the Fair Credit Reporting Act. Please understand that as a consumer, I rely to only accurate reporting but I see here that the Credit Bureaus do not present " FAIR '' nor " ACCURATE '' reporting which is very disappointing to look at. I am submitting this Complaint once again, despite the previous countless Complaints I already submitted, to bring this matter to the Credit Bureaus ' attention and have all fraudulent items removed completely from my Credit reporting : 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 XXXXXX/XX/XXXX. The Credit Bureaus should have provided copies of documents the moment they claim that the information they present is accurate, but I received nothing. Without these documents, the Credit reporting Agencies should remove and delete the disputed fraudulent items from my Credit File as soon as possible.
Product: Debt collection

This company has been garnishing my State taxes the past eight years and recently have begun garnishing my wages and attempting to garnish my bank accounts. I have never received any information as to what the debt is that I owe, how they acquired it and how much it is, or whether or not there is an option to make monthly payments. The only contact I receive from them occurs after a court date that I was not made aware of, usually stating that I owe them the exact same amount every year and that they have been awarded my stat taxes. Recently I attempted to call them to find out the nature of this debt, no one answered the phone and my call was not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage. 

But my score suddenly plummets over 130 points? 

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
Product: Checking or savings account

XXXX  the XXXX of XXXX  we flew into XXXX XXXX for my wife birthday I tried to use my Citi debit card and it was blocked for the XXXX time and I was told yet again my account was under review and that someone would call me within XXXX hours I called them numerous times explaining that we are in XXXX XXXX  XXXX unable to eat drink or pay hotel bill book flight home as all our money in this account to be told they closing my account and I would get any money in XXXX days I told them for the last XXXX days we not eating or drinking due to no money as I only have my Citi debit card with me and no one is helping leaving us stranded ruining our holiday my wife birthday and without food and the possibility of being on the street from tomorrow