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

According to 15 U.S.C. 1681i ( 5 ) XXXX, XXXX and Equifax are suppose to modify my accounts that are NOT reporting correctly. I have been doing this back and forth for over a year. I have told them to reinvestigate these accounts XXXX XXXX XXXX XXXX and numerous Receivable XXXX XXXX XXXX However, they have stated everything was complete and accurate. But how is that possible when the dates open, last activity, including me even having a loan on my credit report when XXXX XXXX does not own any loans of mines after they were forgiven and removed from all credit beaurea but XXXX XXXX Equifax is constantly violating my rights and inaccurately reporting against my government social security number. 

I have also submitted supporting documentation with my previous request. 
I have advised them to remove these accounts and if not provide me proof of accuracy along with my WRITTEN CONSENT TO BE FURNISHING MY ACCOUNT which such information. Per XXXX XXXX. 1681 Section 604 A Section 2.

Per 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 more than seven years.

15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts upon my government administered social security number ; my rights has been violated.

15 U.S.C 1681 Section 602 A. States I have the right to privacy and confidentiality. 

15 U.S.C. 1681-2 ( 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 reasonable cause to believe the information is inaccurate. They are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

I really hope we resolved this matter ; I have been trying to work with the beaurea but they are hurting my job livelihood, my means of having a home and my character with the inaccuracies and constant updates of false information on my report. I spoke to student loans XXXX times and they have stated that they have requested all credit beaurea remove them from my account since I have no loans with them and is no longer in default. XXXX abide however, experian and equifax has not. I am so fed up with going back and forth and constantly pulling you all into this but they are ignoring letters sent and well as dispute through you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed two hard copy pulled on my credit report without my consent one from XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE UNAUTHORIZED WHICH IS CONSIDERED FRAUD XXXX XXXX XXXXXXXX {$5200.00} XX/XX/XXXXXXXX XXXX  XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX THIS ADDRESS IS UNAUTHORIZED AND IS FRAUD I'VE NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, IL XXXX THESE INQUIRIES ARE UNAUTHORIZED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

NFM lending did not send copy of forbearance agreement for extension of XXXX forbearance for months of XX/XX/XXXX through XX/XX/XXXX. Called lender on XX/XX/XXXX to request extension of forbearance as hardship of unemployment is not resolved. Was told verbally over phone that forbearance was extended for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX however no forbearance extension documentation sent via XXXX Mail to me/borrower. Need CFPB to review lender 's compliance with GSE requirements as no updated forbearance agreement sent out to borrower. Thanks
Product: Credit card or prepaid card

I am filing a complaint about Citibank AAdvantage credit card policies. On or about XX/XX/XXXX I began having problems where my Citibank AAdvantage credit card was not being accepted at various merchants. I thought it was a defective chip issue. On XX/XX/XXXX I called Citibank AAdvantage to determine what the issue was. During the call with the automated telephonic system, I was informed that I had exceeded my credit limit. No money was due, the account was not in arrears, or a late payment due. In fact, I still had credit available of approximately {$15000.00}. 

On XX/XX/XXXX I logged on to my Citibank AAdvantage account and used the online chat option to discuss the situation with an online agent ( XXXX XXXX. Attached is the transcript of that interaction, which started at XXXX. 

Rather interesting is that there seems to be gaps in the transcript.. 

Summary of Conversation ( paraphrased ) : 1. Me : I have exceeded my credit limit? The online balance is still in the thousands of dollars. 
2. Me : A payment of {$17000.00} was made on XX/XX/XXXX. 
3. Citibank : That payment is currently being held in order to verify that it will clear your bank. 
4. Me : It cleared the bank on XX/XX/XXXX, its now XX/XX/XXXX. 
5. Citibank : Your account is on hold until XX/XX/XXXX, to make sure the payment will clear the bank. 
6. Me : Why does it take so long to process cleared funds? Does Citibank pay interest to me for use of the funds? 

I did not use the Citibank AAdvantage credit card for my international travels between XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

im filling a complaint against Cash App ( BLOCK INC ) due to inadequate customer service and unfair practices, which violate the consumer financial proctection act ( cfpa ). Specifically, CASH APP failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should have reported the security breach when they first learned about it instead of leaning on it and seemingly allowing top employees to benefit by delaying the news. It is unacceptable that the data thieves have had access to my and others ' information for such a long amount of time before we were made aware and able to take steps to try to prevent or mitigate any identity theft. They should also have obviously invested more in their cyber security division. Equifax is a credit report that US citizens are forced to use due to the credit-driven nature of our society, and lives are easily ruined by identity theft and the compromising of someone 's credit. Though they are victims as well, they should be held somewhat accountable.
Product: Debt collection

I sent Receivable Solutions letter within 30 days disputing this debt and they still reported to all XXXX credit bureaus after I sent letter. Also, I wanted them provide proof that they have been given right to collect the debt by the original creditor. Per FCRA, if all these accounts are not deleted with all XXXX credit bureaus I have no choice but to pursue legal action and file a lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!
Product: Debt collection

My daughter has made payment arrangements with Navient for student loans on which I am the co-signer. The arrangements are in effect yet they persistently call several times per day even on Saturdays and Sundays!! They called on XXXX occassions when my daughter was at home and she spoke to them about the arrangements that were made and asked that the stop calling.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and or the company is reporting false information because I did not give permission for none of these items listed. I ask that the items be deleted to correct my credit report.I reported the these inaccurate items to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX. Please delete the items as soon as possibl
Product: Credit card or prepaid card

On XX/XX/XXXX, my credit card issued by Bank of America ( BoA ), was charged {$170.00}. This was a fraud purchase that I did not make. The charge was posted on my account on XX/XX/XXXX. 

Since then, I have contacted Bank of America on three separate occasions to resolve this issue. Every time I was made to wait for over 30 minutes on hold and before being redirected to a different department. Finally, BoA mentioned that they will process review my dispute, file a claim, and provide a claim number. 

Its XXXX and I have not received a claim number or any updates on my dispute. No email communication or mail. As I type this report, I am on hold with XXXX customer service waiting for someone from their fraud department to take my call. 

Since it has been over four months, Im filing this complaint in the hope that CFPB can help with the resolution. Please let me know if you need any additional information on this case.
Product: Money transfer, virtual currency, or money service

I sent XXXX Deposit to Coinbase of XXXX euros on XX/XX/XXXX and they got my funds on XX/XX/XXXX. In  the platform, it is written that my funds will be on my EUR wallet before XX/XX/XXXX, but it is still pending. I have got multiple tickets and sent them emails, but I have got no response from them. 
Case # XXXX Case # XXXX Case # XXXX This is unacceptable that they freeze my funds for a month without any explanation.
Product: Debt collection

Date : XX/XX/XXXX To whom it may concern, I am writing to officially dispute the debts that have been attributed to me by Professional Account Management , LLC ( PAM ). Specifically, these are in relation to : Invoice dated XX/XX/XXXX, Invoice Number : XXXX, Amount : {$36.00} Invoice dated XX/XX/XXXX, Invoice Number : XXXX, Amount : {$40.00} Both these invoices pertain to a toll violation associated with the License Plate : XXXX registered in Texas. 

I wish to emphasize the following : I am not the debtor : I am a resident of XXXX XXXX, NV, and I do not drive. The debt, especially the toll violation, is not of my doing. It is inaccurate and unjust to hold me responsible for these charges. 
The vehicle in question : My daughter and ex-husband manage the vehicle associated with the above-mentioned license plate. It is beyond my comprehension as to why I am being approached for a debt that is clearly not mine. 
Persistent demands : Despite having clarified my position, Professional Account Management , LLC continues to insist that I pay the debt. Their persistent demands have caused undue stress and inconvenience. 
In light of the above, I kindly request the following : A thorough investigation into the matter to determine the true debtor. 
Immediate cessation of all communications directed to me regarding this debt.

A written confirmation once the matter has been resolved, clearly indicating that I am no longer being held responsible for these debts.

I expect a prompt resolution to this matter, and I would appreciate it if you could keep me informed of any updates or required actions from my side. 
Remove the collection report from my credit report Thank you for your attention to this matter. I trust that you will handle this with the seriousness and urgency it demands. 

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

These addresses I have listed in my letter are inaccurate, please remove these addresses and names XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX, XXXX XXXX. Inaccurate addresses I never lived at and inaccurate names need to be removed soon as possible whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Payday loan, title loan, or personal loan

Prior to XX/XX/XXXX @ XXXX I had called NETCREDIT one other time asking to do a settlement for $ XXXX and my bal is {$4100.00}. I only borrowed $ XXXX & I was on auto draft for {$92.00} a mo. I paid on auto draft for 7mo and in XXXX of XXXX I called in to reschedule my draft date because of some other bills due and I wasn't going to have the money to pay them. So when I asked what was the new balance I was told I owe {$4100.00}!!!! I was IN DISBELIEF AND SHOCKED! I asked why!!?? Because I've paid on time for 7mos straight, the rep said I have a daily interest rate of 6.?? % ( I can't remember the exact amount but I know it's over 6 % )!!!!! I said I was NEVER TOLD THAT I WAS ONLY TOLD THE APR IS 59.XX %! I SAID I'LL NEVER PAY THIS OFF BECAUSE I'M PAID BI-WEEKLY NOT DAILY! I have never had a loan w/a daily interest rate!!! I DIDN'T HAVE KNOWLEDGE SO I DIDN'T ASK AND THEY DIDN'T TELL!!!!!!! I took out the loan to pay off 2 credit cards & other bills to get out of debt but I've dug myself so deep I can't get out of this one. So when I called in XXXX of this year to try to settle I was told " THE SYSTEM MAKES THE DECISION WHEN THE ACCT WILL STOP ACCUREING AND CLOSE OUT THE ACCT ''! I said what! that doesn't make any sense as a large corporation THEY should be able to tell me when I'm EXPECTED to go to a collection agency and or when I can expect to go to court for this money. This company doesn't call you at all they just email you monthly & I FIND THAT VERY STRANGE!!!! I GOT THE LOAN XX/XX/XXXX AND I stopped paying in XX/XX/XXXX & they haven't called not ONCE! I have blocked them from emailing me so why don't you call because they KNOW THEIR ARE PREDATORY LENDING!!!!!! I'm going to seek legal counsel and or let it stay on my credit report for 7yrs and or wait for them to hopefully turn me over to the collection or take me to court to explain WHO THEY REALLY ARE. THE OTHER NAME THEY'RE UNDER IS : NC Financial Solutions of Georgia, LLC, d/b/a
Product: Credit reporting

I 'm filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and ca n't verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Checking or savings account

On XXXX XXXX, 2024 I funded a XXXX month XXXX for $ XXXX at Marcus from Goldman Sachs. A few hours later I called and asked if I could close that XXXX account and use the funds in a different XXXX from the same bank. I was told no problem since the XXXX was opened less than XXXX hours. I was told the money would be available XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. Now today, supervisor XXXX told me they need to deny me access to my money for XXXX days. This is the first time this was mentioned. 
I am being denied access to my money. I have a time sensitive investment I want to fund now. Their actions can cause me to lose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There is a fraudulent account from XXXX XXXX being reported on my Experian credit report. The account with a balance of {$640.00} is a result of identity theft. I have attached copies of my ID and the FTC report for this account.
Product: Debt collection

Hello, for the past year or so I have been getting letters attempting to collect a debt from XXXX from the XXXX companies of debt collection including, XXXX XXXX and XXXX and now Lloyd and McDaniel the creditors law firm. I have disputed all these attempts and sent verification requests which have either been ignored or once they sent an alleged copy of a monthly statement and have repeatedly ignored my requests for actual verification of debt and their legal ability to collect it, including an original contract, a purchase agreement for the debt from the original creditor, and more against the fair debt collection act. It seems that after I request verification they just transfer it to another company within their network to avoid the verification request or send not up to power verification. 

This is my last attempt to stop this harassment before seeking legal remedy for violations of the fair debt collection act. 

I would appreciate your help to stop this illegal collection techniques and efforts. 

It says the original file number is XXXX
Product: Checking or savings account

On XX/XX/2021 I made a purchase at XXXX # XXXX in XXXX in the amount of {$80.00}, and proceed to go home. After arriving I received a Low Balance alert from the XXXX Bank of America account. After logging in to my account I noticed someone had requested an ATM Balance Inquiry, and proceeded to withdraw {$1000.00}. I immediately contacted Bank of America and they opened a complaint XXXX XXXX XXXX XXXX ). After repeatedly contacting Bank of America about this complaint, I was informed today XX/XX/2021 that they were closing the complaint, and it was my responsibility for the loss of funds ( {$1000.00} ). This is a widespread issue with Bank of America XXXX cards and accounts, and I wish to have this resolved with me receiving my funds ( {$1000.00} ).
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I purchased a XXXX XXXX XXXX new and used XXXX XXXX XXXX as my lender. The lender and XXXX handled the process on the backend to ensure everything was set up properly. I was approved, paid my down deposit, and was good to go. I set up automatic recurring payments to my bank account to make sure I wouldn't miss a payment and created an account with XXXX XXXX XXXX to alert me if anything was amiss. In XXXX XXXX XXXX, one of my car payments bounced back. I was never alerted or contacted by XXXX XXXX of this missed payment. No email, no phone calls, and no letters. In XXXX XXXX XXXX, I got an alert that my credit report was hit with a delinquent report with XXXX XXXX. I immediately contacted XXXX XXXX and was told that I had missed a payment and they tried to call me but got no answer. I immediately paid in full the amount that I owed. As it turns out, they had the XXXX number for XXXX on my file. I asked if they emailed or sent mail to me which they replied " we took every effort to contact you. '' When I checked my email, they never sent me a single email or letter even though both of those were correct on my file. I contacted their financial department to dispute this case. I included all of the above information and I got a reply from them 30 days later saying that they found nothing wrong and we're not going to change their decision. This is an outrageous abuse of my credit history and XXXX XXXX XXXX should do better.
Product: Mortgage

In XX/XX/XXXXof this year I noticed that my loan was under the 78 % threshold to have the PMI removed from my loan. I spoke with PennyMac usa customer service and was informed that it was an automatic process and my account would be reviewed and as long as it was current the PMI would be removed at that time. On XX/XX/2019 after realizing that the removal had not occurred I contacted customer service again, this time informing them that my LTV was now at 67.60 %, significantly below the threshold. I was informed that I will need to get an appraisal to ensure that the home value has not diminished. I disagree that an appraisal should be required at this point. I have done many improvements and the value of my home has risen quite considerably. It seems that the language in the Homeowners Protection Act would protect me in this situation. In addition, when requesting specific information on PMI and the review date to remove it, the agent could not provide the info. The excuse was that all that information was on scanned copies of paperwork submitted in closing that were not labeled, and that it will take research to provide that information. I pointed the obvious conflict that if there was a scheduled review date then it should be recorded in the system. 
I would prefer the PMI be removed as soon as possible. 
Thank-you
Product: Credit reporting or other personal consumer reports

I Have inquiries that I NEVER applied for on my credit report, They include, XXXX on XX/XX/XXXX and XX/XX/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 I am a victim of identity fraud and I have a report. These accounts should be removed IMMEDIATELY.
Product: Debt collection

I received a letter last week from USCB XXXX, attempting to collect on an alleged debt owed by me to XXXX XXXX XXXX in teh amount of {$15.00} plus interest of {$2.00}. The service date referenced was XX/XX/2018. I did not even live in XXXX XXXX at that time, and I believe I had already switched insurance. I was never sent a bill for this in the past, as I would have quickly paid a {$15.00} bill.
Product: Mortgage

On XX/XX/XXXX I retired from my XXXX job after 26 years due to medical problems ( extreme stress at work ). I got behind in my mortgage payments and tried to catch up, to no avail. Last month ( XX/XX/XXXX ) my mortgage company sent me a letter saying that if I did n't catch up on my payments, they would foreclose on my house. I tried to work with the with XXXX on a loan modification but it was denied. At the recommendation of my mortgage company, I filed an appeal which was denied this past week. Before it was even denied I received one of those packets with pictures of my house and surrounding properties and sale prices of houses like it from the company. In my opinion, my mortgage company never planned on approving my modification or appeal.