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

On XXXX, I tried to dispute an accidental extra inquiry by XXXX XXXX XXXX with Equifax. System timed out twice while I was typing in the submission form. They have a published number online to file a dispute by phone, but when you call it takes you to an automated system to order your credit report and score and nothing more. Can not reach a person. Can only call actual customer service by becoming a member. Can not submit the dispute to Equifax at all. The attached show the number to file a phone dispute that I called. 

I authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to make a hard pull on my credit for an auto loan. But they accidentally made two hard inquiries within two days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.
Product: Credit reporting or other personal consumer reports

Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the FBI, Federal Commission, Social Security, XXXX and the XXXX Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became an authorized user on my late mother 's small credit card account with Barclay Bank prior to her death in XXXX. After her death I cut up and returned the cards I had in my possession with notification of her death included and asked the accounts be closed. The accounts continued to stay open. I wrote and and called to close the account repeatedly. It remained open. The cards were not used and for several years I paid the yearly fee in order to not hurt my credit as the creditor refused to follow my request to close the account. Finally in XXXX I called once again explaining that my mother had been deceased six years while they continued to keep this account opened. I was assured that the accounts would be closed and the yearly fee cancelled. 

In both XX/XX/XXXX and XX/XX/XXXX, this account was reported on my credit report with a 30 day late notice for the yearly fee ( they are also trying to collect a yearly fee for an account closed by them ) after I requested the prior month and for the previous six years that the account that was not used and was in a deceased person 's name, be closed. The creditor then closed the account and referred it to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account numbers XXXXXXXX Caine & weiner {$250.00} XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX  U.S. Department of education XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$500.00} 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.
Product: Checking or savings account

I was locked out of my USaa account and I called to unlock it. I was told it was unlocked and I would have to pay a free for an altered check. I had not done any check deposits, etc. several checks were deposited and most of them were the same. Funds were also deposited and not alerted as fraud. Now my account is locked down and I have no money for my husbands XXXX treatments. I was not given any provisional credit.
Product: Debt collection

LVNV Funding Llc has been emailing me as a XXXX party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as XXXX XXXX, XXXX. was also removed.
Product: Checking or savings account

I had been a victim of XXXXdentity Fraud on the date of XX/XX/2022. My XXXX phone was hacked and all the money in my Bank of America Savings & Checking Account was being used in various locations for various things. These charges range from the low hundreds to the thousands until the account had been run dry. I found out days later after the damage had been done. I went to my Bank of America Financial Services location to put in a fraud claim on my debit card and checking account. I also needed to go there to verify my identity with them physically, because the fraud activity rendered me unable to log into my mobile banking app which made it impossible to see what was going on. The claim was put, but I didn't get hardly any of my money returned to me. This has been going on for about a month now. I've been a member of this Bank since I first got a debit card in the early 00 's. So much so that I'm a " Preferred Customer ''. I've heard so much that the bank usually just refunds your money and continues investigating. In my case, they didn't even try. Now they've closed the case and say that they're not going give me back the money. I have a police report, bank statements, claim numbers from the bank and the phone company ( XXXX ), with dates, times, and other information. I have sent this information to the bank to help them with their investigation. They seem to be just ignoring me. Im being discriminated against by this bank and I need to know why. I don't have a job right now because I quit to caregive for a member of my family. I saved that money i had to prepare to go without a job for some time to help my Grandma and my family. Please help me. 
XX/XX/XXXX. Bank of America Claim # XXXX XX/XX/XXXX. XXXX Fraud Claim # XXXX XXXX XXXX Sheriff 's Department case # XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

ON XXXX XXXX i went online to purchase an XXXX  for my daughter so she could do her school work but my card was being denied so I contacted XXXX because they blocked my card because someone was using it to buy games, so wheni called the number so they couldn't unblocked my card the said they could help me, the told me to download an app so they couldn't send me a code, XXXX send me on my bank app so he approved the payment and I didn't get anything, he told me he would refund the money but nothing i contact my bank and they wouldn't help me, I call the number they use to scam me everyday and it pain my XXXX because they are still scamming innocent people please help me and other victims, The contact number for the slammer are XXXX the email for them is XXXX XXXX
Product: Credit reporting

I submitted a letter to Equifax stating that the inquiries on my credit report were not authorized, and I asked the Equifax to provide me verification that I gave permission to the companies listed on my credit report to pull my credit. Equifax mailed me a letter stating that the items will remain on my account for 2 years without providing verification that the I gave permission to the companies listed on my credit report to pull my credit. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Debt collection

I have contacted this creditor to resolve the matter they have denied every request that I had made to them. I am tired of going back and forth with them. They have even contact other references in regards to this debt. I want a verification with my signature stating that I owe this debt and they have failed to also provide that. They harass me on a daily in pursuing to collect on a debt that hasn't even been verified. I want this issue resolved and a complete investigation on this because it is unheard of for a company to do this and it is affecting my credit.
Product: Checking or savings account

I received an online bonus offer to open a new checking account, and that if I made {$2500.00} in direct deposits, and maintained a balance of {$2500.00} for 95 days, I would receive an account opening bonus of {$300.00}. 

I received a bonus {$150.00}. I was told that the bonus was for a different type of checking account ( even though I followed their link for the {$300.00} bonus ), even though I made the appropriate direct deposits, and maintained an over {$5000.00} balance for over 95 days. 

I 've made a few calls into customer service ( on hold for over 30-45 minutes each time.
Product: Debt collection

CFPB case : XXXX Ref : XXXX, XXXX completed on XX/XX/2023 Resurgent, XXXX, and LVNV have put this closed case back into circulation. They removed the cases once they received the notices from CFPB. They have since put them back into circulation on my credit report. They were all dismissed in my Bankruptcy. 

Is it possible for me to sue them for reporting these accounts over and over again?
Product: Debt collection

The company claimed I owe Bonneville Billing and Collections Inc for medical services rendered to my wife which I have no knowledge of any such services. They claim that since I am married to her the debt is joint but in fact the state of utah is not a common property state and I signed no document that I will pay for the said services. The debt is not joint but they filed falsely claiming I owe them and am responsible for it. My wage is currently being garnished unlawfully by them armed with the knowledge that I was never treated by them nor did i sign any documents that i will take responsibility for the debt. they are frauds and they think I don't know the law. I am also filing a complaint with AG 's office in Utah. they need to cease their illegal activities.
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. 

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 infor mation 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: Mortgage

Basically, Ocwen Loan Servicing, LLC., came into our Mortgage, Note by providing a Modification as XX/XX/XXXX. Thereafter the Modification, the new note became : 1. {$84000.00} from unpaid Principle balance of {$58000.00} as of XX/XX/XXXX. 
2. Interest Rate 5.750 % from 7 % 3. Change in Maturity original date XX/XX/XXXX to  XX/XX/XXXX. 
My concerns are : 1. Ocwen forced us to pay Monthly payment of {$1100.00}. How comes such a high payment in a loan less than {$100000.00} and or, {$84000.00}?? 

2. Ocwen filed for Foreclosure after just three months of mispayments, specially in XX/XX/XXXX ; was that lawfully executed in Florida Laws or USA??? 

3. Ocwen 's Escrow account department charged more than {$7700.00} for XX/XX/XXXX Hazard and Flood Insurance, on a roughly {$120000.00} house value ; that was wrong and deceitful. Those Insurance was only cost {$4500.00}. Ocwen  committed perjury to the court. 

4. Ocwen sold the house even after we Filed Chapter XXXX Bankruptcy. Ocwen has abused us, illegally, and unethically ripped off the property. Ocwen has inflated their numbers so it can steal the property. Ocwen has made it impossible to accept payment from us. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been months since I found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : 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 YOU, XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Screening Reports company did a hard inquiry on my credit on behalf of XXXX XXXX XXXX XXXX  located in XXXX Delaware.This was wrongfully done because I only lived there as an occupant not tenant. I have never applied for an apartment with XXXXXXXX XXXX XXXX XXXX. I contacted the apartment office and they acknowledged their mistake but still told me nothing can be done to fix it. I called the screening reports company that ran my credit and explained the situation and even attached a letter and send it to their disputes department via email as attached below. Screening reports company kept asking me to get a deletion letter from XXXX XXXX XXXX XXXX. Im not able to do this because the apartments office has told me several times there is nothing they can do to fix this. This is damage to my credit reports with the beaureaus and has directly affected me over the years. It is not fair and Im asking for justice. Please help. Thank you.
Product: Bank account or service

I opened Discover Online savings account as per the promotion mentioned in XXXX. Everything was done properly and after meeting the terms and conditions ( opening the account by XX/XX/XXXX and depositing $ XXXX before XX/XX/XXXX ) - I was awarded {$100.00} as cash back bonus. At the time of account opening process ( as i had the discover credit card ) - it simply asked me all the information ( userId, password of discover card to login ) so that it can auto fill all my information. Even after that i was given XXXX user id-one for credit card and another one for discover bank account? Why?? It 's not the case with every Discover card member. When i called today during XXXX to XXXX pm - i was told it is due to security reasons ... that was absolutely wrong answer ... are remaining millions of discover customers not secure. My other problem is - i tried to do the transfer of {$15000.00} to my XXXX checking account and that transfer was scheduled also ... but then Discover send me an email that they are suspending my funds transfer facility ... i should call at this # XXXX to reactivate that. I was told that they are 24 X 7 ... when called today during XXXX to XXXX XXXX ... after going all the validation questions ... the customer service person told me that i need to call tomorrow as the team which is suppose to talk to me is gone for the day?? why discover is lying here ... why they are saying 24 x 7 when they are not? i asked them to call me when they can ... later i asked them to close the account and send me the money into my account by check at my registered mailing address ... .she refused for that also ... telling that unless that team will talk to me ... they ca n't close the account either ... this is unacceptable ... neither they are providing good service nor they are letting me have access to my own money in the name of security and other useless reasons.
Product: Consumer Loan

I have a loan through Prestige Financial Services. I purchased the vehicle in XXXX, XXXX XX/XX/XXXX and relocated to XXXX XXXX because of medical issues after a car accident. The car then broke down and I was told by the mechanic that the car was a salvaged vehicle. Due to prestige telling me XX/XX/XXXX that they will finance the repairs, I decided to stick with the vehicle even after being told by the mechanic fixing the vehicle that I would be better off getting rid of the vehicle because of the underlying issues. In XX/XX/XXXX I became delinquent due to some unexpected and unforseen expenses. I have told Prestige repeatedly that I would love to keep my vehicle and even have given them dates that I could pay. Their response is a refusal to accept anything less than the total amount due and repeated threats to garnish my wages and take me to court. Not once did I say that I would n't pay, I 'm just having a hard time coming up with the total amount due at this time. One of the supervising collectors have even told me that I should give him all of my income information and also my bills so that he could arrange them since I obviously do n't know how to handle my finances. All of this has caused me stress and I feel as if I 'm on the verge of a XXXX due to their harassment and threats with a garnishment for a refusal to pay though I never told them that I would n't pay. I 'm not asking that they move a payment and I know that my interest rate is crazy high because this is a predatory loan after I filed bankruptcy. I just put another {$300.00} in repairs on this vehicle that I should n't have had to have repaired for a while after purchasing it. The threats with garnishment and lawsuits is unbearable and unbelievable considering that I 'm not refusing payment, I 'm just asking to have them broken up until I get back on my feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing dispute with XXXX XXXX XXXX XXXX  which is on file with this agency and a brief synopsis is as follows. 

XXXX XXXX XXXX XXXX  XXXX. claimed they loaned XXXX XXXX XXXX money on a credit card. I later learned they only put a credit on the Card. in other words XXXX XXXX XXXX XXXX  XXXX. lent me its credit and did not lend any real money or assets of the bank.This is against the law both in Federal and state law. Because of this deception and fraud I cancelled this account. 
XXXX XXXX XXXX  XXXX. then changed the account number stating that My Identity had been compromised, and reported it to Experian XXXX XXXX as late.In my opinion this was a ruse to draw attention away from the original account. XXXX. XXXX XXXX XXXX   XXXX. violated California Statute of fraud in contracts. California Civil Code 1624.1 I have requested accounting from XXXX. XXXX XXXX XXXX  XXXX. from XXXX XXXX over 5 times requesting proof of accounting that money was loaned and credit not lent. XXXX XXXX XXXX  XXXX. has refused to answer my respectful requests. 
Both XXXX. XXXX XXXX XXXX XXXX. and Experian XXXX XXXX violated the law which was clear the dispute was made under 15 U.S. code 1692 et seq. I have written to letters to XXXX XXXX CEO two times and XXXX XXXX V.P. and general counsel asking for proper investigation and proof that XXXX. XXXX XXXX XXXX  XXXX. actually had a real monetary consideration showing proof that real money was loaned to me. Experian who I think may be complicit in all of this simply said that XXXX XXXX XXXX XXXX  XXXX they certified the account as being late, but never addressed my request for proof of consideration or proof that real money was loaned. I am sending this complaint in hopes this will compel Experian XXXX XXXX to do its job.