23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This credit card was opened on XX/XX/2023 with a balance transfer option. I received the cards and activated them. On XX/XX/2023 when logging into my account online, I noticed it was flagged for fraud with a toll free number to call. When calling that number, I was able to verify my credit card number and the security question answer. When speaking to the agent, I was told I needed to be sent a verification code. Instead of sending the code to the phone number that is already registered to the account, I was asked to provide a phone number to send it to. I provided the same phone number that is registered to the account. I did not receive a verification code. When I asked if the agent sent it to the correct number, she confirmed that she did. I told her that I had not received the verification code and she asked if she could send to another number. I explained to her that I only hade one phone number registered to the account, and I thought it strange that she'd be able to send a verification code to any other number. She asked for the number anyway. I gave her my work cell phone number. After she stated she sent the verification code, I still had not received any. I was asked if I had a home phone number. I told her I did not have a home phone number. I requested she send the verification code to the email address on file since the phone verification was not working. She stated that she could not send an email verification. I was informed that the next step would be to send a letter with a confirmation code to the mailing address on file. 

I find it frustrating that their fraud verification system does everything except to verify who I am when necessary. I am being denied access to my account due to a faulty security system on their end. I have already checked with my cell phone provider. I do not have a block on two factor authentication. After ending the call, I was able to log into my Citi account online. When I clicked on My Profile, it prompted me to receive a verification code. I clicked to proceed, and that verification code came through without any issue. However, since my account is still locked due to potential fraud, that was the furthest I could go.
Product: Mortgage

I have just submitted my story. If CFPB can help, my story should be considered as my complaint. Increase of 33.33 percent in period of loan ( 30 to 40 years ) and reduction of rate of interest by 21.54 percent ( from 5.1 to 4.0 percent ) for hardship loan modification is neither justice no fair practice with the customers/homeowners. This credit goes to CHASE, my mortgage financer. I have only XXXX house and it is my primary residence.
Product: Debt collection

This is what is occurring to me right now XX/XX/XXXX Friday, XX/XX/XXXX, I just received a wage garnishment from XXXX and XXXX XXXX  XXXX Apparently, I was sued by them on XX/XX/XXXX. I was unaware of this until yesterday. I was never served or received anything regarding this lawsuit in XXXX. This was intentional, as they don't want you showing up to a lawsuit that is fraudulent/frivolous. 
I do not recall having a XXXX account in the previous 10 years. If anything, they were time-barred from filing a lawsuit. This is the reason they didn't want me to be aware of it. At the same time, this was said to me being served. My partner was being sued by XXXX. We were served XXXX 's paper with no problem. I find it hard to believe XXXX couldn't find us. That's because they never tried. 
I pulled all three of my credit reports. There is no account from XXXX or XXXX and XXXX XXXX Not even under any collection agency of any name, for XXXX XXXX 
The judgment occurred in XX/XX/XXXX. I have been working for my employer since XXXX. Last Friday was the first I heard of wage garnishment. This last Friday they over garnished my pay. The amount in the state of Delaware they could have legally taken was {$29.00}. Instead, they took {$110.00}. I havent figured out why they are taking XXXX XXXX more than they should be. 
The first time I heard of this was XX/XX/XXXX. XXXX who issued a paycheck from my employer, mailed me a letter stating they were going to garnish my next paycheck. The sealed envelope clearly states that this is a wage garnishment This way my neighbors who get the mail for me and my postman can be made aware of my wage garnishment before I am even aware of it. Of course, nothing surprises me about this illegal transaction. 
I feel this wage garnishment was intentionally started and I was notified of it on a holiday weekend. The reason being I am unable to get in contact with an attorney, due to the holiday. I am aware the XXXX of XXXX holiday is a long one for most people. I have maybe 10 days to file something with the courts. Of course, they are closed as well. 
Ive got to give XXXX credit on a well-thought-out scam. Think of how many people will be scammed out of money. 
The amount I was sued for was {$2000.00} in the court of common pleas, XXXX XXXX, Delaware. 

PS. Do I have proof of everything I just stated? You bet I do. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 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 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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, TBOM/FORTIVA XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & Equifax are both reporting this erroneous account for XXXX XXXX -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact XXXX  and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed
Product: Checking or savings account

Money is disappearing from my Wells Fargo checking account and also credit card account. I received a few reimbursements for the fraud being caught but I still see money being missing from account. Also my credit card was still being charged even though I havent used my card. 
Also XXXXXXXX XXXX XXXX XXXX  has had access to my Wells Fargo account and they might have something to do with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Product: Debt collection

Dear Sirs : On XX/XX/XXXX, I have received a notice of debt owed from a debt collection company ( XXXX XXXX XXXX XXXX XXXX ). My issue is that I have not received any prior notice of debt default to my knowledge ; and, the debt notice from XXXX XXXX did not explain the : 1 ) the nature of the debt, 2 ) when it was incurred, 3 ) to whom it was incurred, 4 ) any evidence that I incurred such debt ( document copies ). The letter was simply a demand for payment.

I am providing notice early as this problem likely resulted from an " identity theft '' that occurred on XX/XX/XXXX. My last experience with XXXX took about 5 months to resolve, numerous written correspondences and a lot of personal time.

Thank you for your time in reading this correspondence.

Sincerely, XXXX XXXX XXXX XXXX Cell Attached Info 1. Police Report, dated XX/XX/XXXX

2. Probation Hearing Report of 1 suspect, dated XX/XX/XXXX.

3. Copy of Debt notice, dated XX/XX/XXXX.

4. My response to Superlatives notice, dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX ACCOUNT XXXX AMOUNT {$750.00} 15USC 1692e false or misleading representations is a BIG violation you have put false information on credit report.

VIOLATION MY RIGHTS THE LAW IS CLEAR ANY INFORMATION WHAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED I DEMAND YOU TO DELETE THE ACCOUNT IMMEDIATELY TO ALL 3 MAJOR CREDIT AND SUB BUREAUS SEND PROOF OF DELETION
Product: Debt collection

High Education Services sent a notice to my employer for wage garnishment when I was in an active payment plan with them. I had a remaining balance of {$600.00} and i had already paid {$3500.00} to the company for my student loan. 

When contacting the company, the representatives were aggressive, rude, hostile and argumentative. They do not give you an opportunity to speak and strong arm you throughout the entire conversation. Specifically the representative who goes by the name of Ms. XXXX. 

They dictate the payment amounts and dates and are not flexible to your financial situation. They constantly threaten me with garnishments and vulgar language.
Product: Credit reporting or other personal consumer reports

My constitutionally protected right to privacy is being violated by this consumer reporting agency. This is my 3rd notice to them and yet they still are reporting my private information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to conduct a reasonable investigation into my credit dispute and continues to ask for identity verification, despite already receiving the required documents. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Details of the Dispute On XX/XX/year>, I submitted a dispute to Equifax regarding an inaccurate/unverified debt on my credit report. 
Along with my dispute, I included a copy of my government-issued ID, and a recent bank statement to verify my identity. 
Despite this, Equifax has repeatedly sent letters requesting the same verification documents, rather than investigating my dispute. 
This is a deliberate delay tactic that prevents me from exercising my rights under the FCRA.

3. FCRA Violations Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Equifax is required to investigate my dispute within 30 days but has instead delayed the process by repeatedly requesting documents they already have.

Failure to Provide a Meaningful Response Instead of investigating, Equifax is sending form letters requesting verification already provided.

4. Desired Resolution I request that the Consumer Financial Protection Bureau ( CFPB ) order Equifax to immediately process my dispute as required under the FCRA.

If Equifax can not verify the debt, they must remove it.

If Equifax claims they need further verification, they must provide a legitimate explanation rather than delaying my dispute with repetitive requests.

5. Supporting Documents I have attached : A copy of my original dispute letter to Equifax Copies of the verification documents I already provided Equifaxs repeated requests for verification A copy of my credit report showing the disputed debt
Product: Mortgage

On XXXX I went to Sofi 's website and saw that they offer a Pre- Qualification option on home loans. I submitted my information to see if I was prequalified. I never received personalized rates that they advertise so I assumed I wasn't. Shortly after, I receive a email asking me to submit my documentations ( W2 's, Gift Information..etc ) I never submitted any documentation. On XXXX, I received alerts that my credit has been ran by XXXX ( hard pull ). This credit pull dropped my score down XXXX points. 

On XXXX I called and asked why my a hard pull was done for a Pre-Qualification and was told that someone would call me back. I haven't received any communication as of yet.
Product: Credit card

Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from Total Card , Inc., The XXXX XXXX XXXX XXXX Representatives in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically
Product: Credit reporting

Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX, has violated my rights. 
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act my rights as a federal protected consumer has been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S 1681 c-2 15 U.S 6802 15 U.S 1681a- 2 Exclusions does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Experian regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my Experian credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them.

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.