23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a formal request to Equifax to place a security freeze on my XXXX daughters credit profile. This request included : A cover letter detailing the request My daughters birth certificate ( listing me as her father ) Her Social Security card A copy of my valid drivers license My Social Security Card Despite following Equifaxs documented procedures, I recently received a response stating that the request could not be processed and requesting the very same documents I had already provided. This raises serious concerns about the handling of sensitive personal information entrusted to Equifax. I am appalled at the apparent mishandling and possible misplacement of my daughters sensitive information. As a company entrusted with safeguarding consumer data, this lapse is unacceptable and deeply troubling. 

Moreover, when I contacted them by phone on XX/XX/XXXX they dismissed my concerns about mishandling my minor child 's sensitive information completely. Their one and only answer was to mail the entire request again with all the sensitive documents. They refused to connect with a manager, they refused to file an executive complaint. The whole experience was entirely unprofessional and raises serious concerns about the company 's ability to handle sensitive information. 

The credit freeze on my daughter 's account was not placed and a copy of her social security card, her birth certificate, my id and my social security card are now potentially compromised.
Product: Credit card or prepaid card

The credit card issuer invited me number of times to apply for a credit card.and every Time i apply i get denied.my credit score is good and i do get accepted through other Credit cards that do approve my application with out no problem.i would like to have them Investigated to be certain that there is no discrimination issues involving my efforts Applying for this type of credit card.so that it will be no complaints in the future.Thank you sincerely.XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is a Trust action against the credit card company, American Express. The company listed is Trustees with a fiduciary responsibility to act in the best interest of the beneficiary which is me. This action is evidenced by each company having my U.S. Government contract number better known as the social security number. So, if any debt is allegedly owed it has already been paid according to house joint resolution 192 of June 5th, 1933. If the debt is not removed and my credit report cleared immediately, I will begin the process of charging each company with malfeasance, misfeasance, peonage, breach of Trust, gross negligence of fiduciary responsibility. I attempted to settle the debt by submitting the coupon remittance for each company.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party. This account has many inaccuracies including ; original balances not matching, credit limit not matching, there is NO account number listed, there is NO account type listed, past due amount does not match on any of the credit bureaus. I want this account removed immediately!
Product: Credit reporting or other personal consumer reports

I recently just been looking at the market being XXXX XXXX XXXX and I didnt know that Some websites will take a hard pool or a soft pool and they did not ask me so I didnt know and they just took off of My Credit And now Im having issues even being able to get a loan for a car without a cosigner and I have no one to help me! Thanks I just like to get my credit score back to where it was
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 filed dispute with XXXX because account number XXXX is reporting inaccurate payment history does not match with other credit bureau 's amount XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Equifax again because they have put back the five fraudulent hard inquiries and fraudulent addresses on my credit report. When I called Equifax and asked them why they put the fraudulent hard inquiries and fraudulent addresses back on my credit report, they could not answer my question. I sent a letter to Equifax last year, including my police report, drivers license, Social Security card, and mortgage bill. I have never lived in Texas, yet they put it back on my credit report. They even put my lawyers address on my credit report. I will be reporting Equifax to the California State Attorneys Office and the Federal Trade Commission, and I will contact my lawyer about this issue. Equifax needs to fix this immediately, as it is affecting my credit report. I'm a victim of identity theft.
Product: Debt collection

I never opened any account with XXXX XXXX XXXX and I never have any of the service they provide and I have a police report and some one stole my identity. And I noticed this when I started the process to buy a house
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I have experienced denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. Please DELETE the accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Equifax about removing these items off my report her inquiries that I have not authorize have no permissible use and have no relationships away I sent it all documents they asked me for they still have failed to remove the items off my credit
Product: Prepaid card

I had made a front record through the proper channels, resulting in the use of my unemployment Bank of America.EDD prepaid debit card. It's been two years since I made the xo.lmaj t and still I sit here waiting g for my right to the benefits I missed due to id theft and being victim of the XXXX XXXX breach. I Made the proper complaint with my host and twice with bofa to no avail. I have disputed almost every charger from XX/XX/year> on.
Product: Mortgage

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Shellpoint Mortgage XXXX XXXX XXXX XXXX, TX XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Owner : XXXXXXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Shellpoint ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Shellpoint is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. 

Therefore, because Shellpoint has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite Shellpoint previously acknowledging that my loan modification/RMA packet ( packet ) was complete? 

There was a sale that took place on XXXX XXXX, is Shellpoint intentionally declining to review my subsequent packet? 

For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible? 

In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to Shellpoint. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to? 

At present, there is no sale date on my subject property. From my review of the laws under XXXX, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me. 

Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I opened an account to purchase an item with XXXX XXXX. It was a promotional, same as cash, offer. The rate on the card was 29.99 %. It was tax time so I was preoccupied with working on my tax returns. I was late on a payment. I didn't realize they were going to bill me {$990.00} interest immediately. I should have looked at the statements and dealt with this months ago, but my business and life keeps me busy so I didn't think about it. I just schedule payments on their website so I wouldn't be late again. After a good few months of business, less than a year since I purchased the item, I decided to pay off the balance. I started looking more closely at the statements and saw a {$990.00} charge in XX/XX/year>. I tried contacting the bank to understand what this charge was about. They just said, " Interest was charged on the entire sale amount as the promotion had expired and wasn't paid in full. '' This wasn't explained fully and seems unscrupulous. On top of that, they charged me monthly interest at almost 30 %, in addition to the initial {$990.00} interest charge. How can they bill for interest over time when that time hasn't elapsed?
Product: Credit reporting or other personal consumer reports

In accordance with 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 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, 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 other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Seterus has reported information to XXXX  and XXXX Credit agencies. I have disputed information and this agency has replied that you have replied with details. 
According to the Fair Credit Reporting Agency I am entitled to the dates and the credit accounting details that Seturus has reported. I am requesting copies of all dates and information shared with XXXX and XXXX during XXXX, XXXX, XXXX.
Product: Payday loan

There was a loan placed on my credit reports stating that that i owe a company named XXXX XXXX XXXX for the amount of {$1300.00}. I attempt several times calling XXXX XXXX but could not ever get to representative. I finally spoke to a representative from a collection agency named AD ASTRA Recovery and they stated i needed to pay the amount above or else, I explained to them that i was a victim of a hate crime/Identity theft and the person/persons responsible had used my information in other accounts. I explained to them that i am XXXX and i am on a limited income and can not afford to pay a loan i did not take out.They told me the default loan would continue to damage my credit until i paid the balance in full which my XXXX income will not allow me to.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> One Main Financial completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus about the false information being reported to my credit report the issue is not being resolved
Product: Checking or savings account

Hello, On XX/XX/2019, I opened a checking account and an investment account with MoneyLion Inc . The fine prints mentioned that as long as I make several direct deposits into the accounts, I will be entitled to a welcome bonus up to {$690.00}. 

In the next few months, I did several direct deposits from my salary ( up to ~ {$27000.00} ) into the accounts. However, till this day, I have not received this welcome bonus. I have reached out to MoneyLion several times, and there is no definite response from them, which really frustrates me. 

Please reach out to them regarding this issue. 

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

I mailed a dispute letter to company and requested validation for accounts and didnt get completed documents in timely matter yet credit agency has updated as accurate also. I requested proof of my signature didnt receive such these accounts isnt valid. 
The account XXXX Has my name listed XXXX XXXX and it shows it bill Also other account XXXX List my name incorrect also these accounts must be removed for several reasons I will enclose to you only my Id or correct spelling on I.d
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Student loan

I submitted a complaint against FMS Investment Corporation last year because while attempting to arrange reasonable payment arrangements, they submitted a Federal offset to the IRS. I recently noticed that they responded to that complaint, but their letter was sent to the incorrect address. Since then I have consolidated my student loans, all student loan servicers were notified ; however, FMS Investment Corporation is still showing as a collection agency and they still have not removed the XXXX offset. By comparison, a different student loan collection agency immediately removed the XXXX offset when they were notified that the student loans were being consolidated. The student loan servicing agency who hired FMS Investment Corporation for collection is no longer servicing my student loan and the offset should immediately be removed. I believe the school I was attending at the time was University XXXX ; however, I immediately enrolled in XXXX School so it could be also be XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not authorize the above account.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Chase to report that my debit card had been taken from my wallet in the overnight/early morning hours of XXXX XXXX. Chase initially reimbursed me for all but one transaction that they did not reimburse, however, later denied the claim, stating that the PIN had been used. While I am unsure of how my PIN was obtained, everything except my license and room key were stolen, and I am unaware of what all ( besides financial institution cards ) was stolen. On XX/XX/XXXX and XXXX of XXXX, Chase withdrew the funds from my account with the denial. On XX/XX/XXXX, I went to a branch and provided the police report from the theft that stated that my debit card, credit cards, and cell phone had been stolen while on vacation in XXXX XXXX and used to make fraudulent charges. I provided Chase with documentation from other financial institutions that showed the same fraudulent charges that had been disputed across all creditors. I informed Chase that my PIN for my debit card and my phone were to where if someone had watched me unlock my phone prior to stealing it, they would have had my PIN. Chase denied the claim a second time and said they can not reaffirm or open a new case. Chase stated they had sent a fraud alert when the transactions occurred and that they had been approved on my phone, however, it was stolen and in the possession of the person who had my card. All transactions occurred in an area too far from my hotel and I did not have a car. Two transactions occurred at a Chase ATM, but Chase said they can not review the camera and refuse to reimburse me any of the money lost from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Experian to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon as possible : 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: Money transfer, virtual currency, or money service

I requested a refund on cash app from merchant and the merchant declined is and cash app cant refund me and my bank wont refund me because I transferred the money from my account into cash app
Product: Debt collection

I got a hold of kick off and informed them the account was not mine. My identity had been stolen and for them to remove this off my credit. They continue to leave the account open effecting my credit negatively despite the fact that this is not my account or my debt. My identity was used for fraud.