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

On XX/XX/XXXX I mailed the attached letter to EQUIFAX. I have since called and spoke to 2 different people explaining to them that the 3 fraudulent accounts were all part of the data breach with EQUIFAX years ago. I read Section 605b of the Fair Credit Reporting Act to each representative and I explained that Congress passed this law to protect consumers like me from exactly what is happening to me. My identity has been stolen and several credit cards are fraudulently on my credit report and the consumer reporting agency has only 4 business days to delete the fraudulent information or account. Both representatives stated it was their internal rule that they had 30 days to finish the investigation and determine if they wanted to delete the fraudulent information. I once again explained that their internal rule at a consumer reporting agency can not supersede the law stated in Title 15 USC XXXX ( Fair Credit Reporting Act ) which was passed by congress originally in XXXX. I have attached many supporting documents such as my police report, FTC report, letter from the Attorney General of Florida as well as proof my identity was stolen in the data breach from EQUIFAX.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are both reporting erroneous information regarding my mortgage loan with XXXX. XXXX and TransUnion FAILED to report the correct balance and its status, stating that the balance has increased ; when in fact, the balance has done the opposite. The balance has actually decreased. This moronic reporting has resulted in a XXXX point decrease of my credit score. I want this smartly corrected.
Product: Credit reporting or other personal consumer reports

My husband over paid our credit card with XXXX XXXX  XXXX back in XX/XX/XXXX. We requested a refund in XXXX XXXX they mailed out a check but it was intercepted and cashed by someone other than us. We requested help, and a new check to be issued and promised on 3 occasions that this would happen but 2 of the 3 times it was cancelled becasue they said after investigating they found a check was sent and cashed, which we finally found out with help of one of the bank associates. It was washed and re-written to a different bank. I have a copy of the check now. In the mean time of ALL this going on, XXXX XXXX XXXXXXXX has reported me to Equifax and now my credit score has dropped and another credit card holder had lowered my credit limit with the explanation of " we are being proactive '' due to a negative report on your credit report. I have made over XXXX calls along with multiple visit to the brick and mortar establishment and I am currently waiting for a XXXX check that should be here by XX/XX/XXXX. Mind you only the XXXX was ever really sent, the XXXX and XXXX were stopped/cancelled. I still have to deal with late charges and finance charges when and if the check really arrives, and repairing my credit to be back in the XXXX 's again.
Product: Credit card

purchased a grave XXXX  flag in XX/XX/XXXX from XXXX XXXX. I never received a bill or any email from them till maybe XX/XX/XXXX with late fees and interest charges. I contacted the company since i had forgotten about this charge and explained what happened. I paid my purchase amount but they refuse to drop the late fees or interest charges. I have contacted the credit card company citi card to no avail. I am XXXX yrs old and feel i am being taken advantage of from this company.
Product: Credit card or prepaid card

on my XX/XX/2019 amex bill their is a charge for XXXX from XXXX XXXX XXXX. so i disputed the charge and said not only dont i recognize the charge, i didnt rent any car in XXXX. so ill attach the letter they sent stating that they are ataching proof that we did rent, so what they sent is a copy of the bill and copy of my sons medicare card what the XXXX   is that? and is it hard to prove i rented car no senz me a signature but they send me mt sons medicare card. i want perm credit on the account for this charge. its amex card ending XXXX.

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

For the past 6 months I have contacted both XXXX and Equifax to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, XXXX still has one account remaining on my credit. XXXX XXXX XXXX XXXX and Equifax still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DID NOT RECEIVE NOTICE WITHIN 5 DAYS of Determination as required by LAW.

This is my second attempt in communicating with your offices. In Exhibit A is attached the first letter sent.

All items in Exhibit B, C, D, E, F, G, H, I are invalid, innacuare, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating those non-complaint unverifiable accounts on my consumer report.

I have not received any confirmation on how these alleged accounts were verified attached in exhibits B, C, D, E, F, G, H, I and therefore request that you consider this as a final notice to your offices. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.

I have not received confirmation or certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate of testimony that the alleged accounts presented in exhibits, B, C, D, E, F, G, H, I are in fact compliant and not subterfuge. 
****This entry is from Affidavit of Truth served to XXXX****
Product: Credit card

Firstly, I attempted to fuel an XXXX rent a car, before I returned it. XXXX in XXXX XXXX, stated that my pin is wrong. Secondly, XXXX XXXX XXXX, in XXXX XXXX. Declined, my card. They stated that I attempted to make a purchase, without presenting a credit card. Thirdly, I drove to a bank branch of Wells Fargo Bank. Needless to say, they accepted my pin, and would have allowed me to make a withdrawal. The bank is in XXXX XXXX, a short distance from XXXX rental car. The credit card has a program. If, you spend or charge {$1000.00} within the first month of receiving the credit card : You are given points which can be redeemed for free XXXX stays, at XXXX XXXX. Lastly, I paid the {$95.00} annual fee, for the card. I previously shopped at XXXX, and paid the bill. Inconclusion, Wells Fargo Bank, is once again attempting to retaliate for MY contacting the CFPB.
Product: Credit reporting

I have a XXXX XXXX account on credit report that is not mines. I have attached ID theft statement. this account was deleted and readied by XXXX.
Product: Student loan

I went to XXXX XXXX Institute From XX/XX/XXXX to XX/XX/XXXX, during that time I was injured in a XXXX XXXX XXXX accident at the facility where XXXX XXXX was located. I have been declared XXXX since XX/XX/XXXX, my first XXXX XXXX. My XXXX has been being garnished since XX/XX/XXXX at over $ XXXX/month. I have tried through XXXX XXXX, USA Funds and XXXX to get my school loan discharged, with no luck. I have gotten statements from XXXX, from The Dept of Education and have been trying to receive a statement from The Florida Department Of treasury, as to exactly how much money they have with held from me over the past 7 or so years. And XXXX states I still owe over {$15000.00} on a loan that was originally {$6400.00} to start with. I do n't know what else I can do to get this loan discharged. I am permanently XXXX and $ XXXX/mo is not enough to survive off of. PLEASE HELP!!!! I am my wits end.
Product: Credit reporting or other personal consumer reports

I sent several letters out to XXXX  transunion and XXXX ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 1681 : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte
Product: Checking or savings account

I opened my checking account with the XXXX XXXX, Ca Branch manager. I was not able to have online access for a month. I relocated and brought Social Security card and Driver 's license in branch. I keep getting letters that they will close account without identifying information. I went into XXXX, Illinois branch and again showed identifying Information to XXXX, manager. She confirmed everything was there. This is not against the branch but corporate, XXXX XXXX name is on letter. Again I received a letter dated XX/XX/22 that they will close account in 10 days. This is harassment.
Product: Checking or savings account

I made a transfer from my transaction account to my savings account for {$1100.00} on XX/XX/XXXX. 

The bank did not post the transfer DEBIT until XX/XX/XXXX. The transfer debit was posted AFTER several debit card transaction that were processed AFTER the transfer. They also posted an XX/XX/XXXX bill payment after several debit card transaction made after the bill payment. 

This caused my transaction account to be overdrawn and the bill payment is now showing as rejected. 

The bank then placed the entire {$1100.00} that I transferred to my savings account on hold, causing the savings account to also be overdrawn. 

When I called the bank, they said that they placed the {$1100.00} on hold because my checking account was overdrawn and said they would not be releasing the {$1100.00} hold in my savings account until I covered the overdrawn balance in the transaction account. I explain that I could cover the overdrawn amount in my transaction account if they removed the hold on MY money in the savings account. The representative stated that the bank would not remove the hold in my savings account, even though that hold was on MY money, until I covered the overdrawn balance in my transaction account. 

I asked to speak to a supervisor. While I was waiting, my wife was able to transfer enough funds into my transaction account so that the account was no longer overdrawn. When I spoke with the supervisor, I was told that they would not be removing the hold, and that I would have to wait until the following business XXXX for the hold to be removed. 

This is a blatant reordering of transaction processing and arbitrary holds to cause fees. Also, I was misinformed by the first representative RE what I needed to do to get access to MY money. I was told that I had to cover the overdrawn balance to get the hold removed, only to then be told that they weren't going to remove the hold and that I had to wait until some automatic process to run the next XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

I used auto pay for my Macy 's account. I program my payment for the minimum payment so I wouldn't forget my payment each month. My minimum payment to Macy 's is {$28.00} but for some reason they were taking {$56.00} out that's double the amount. This happened from XXXX to XXXX of this year. I received a phone call from an agent XXXX XXXX saying I missed my payment. When I noticed that Macy 's was taking over the amount I went in and changed my payment to the {$28.00} a month recurring payment. I never miss my Macy 's payment.
Product: Credit reporting

EXPERIAN continues to report " hard '' inquiries into my credit file by XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. As all of these were to have been done as " soft '' inquiries, I simply want EXPERIAN to delete all of them ASAP as I have repeatedly requested and as required by law.
Product: Credit card or prepaid card

Discover has been contacted several times for help to deal with a health matter that occured in 2022 and now is permanently going to affect my life as I have advised them that my financial situation is dire due to my health condition deteriorating to the point where I am in a position where I am facing a XXXX XXXX XXXX XXXX where my income is obtained through Social Security XXXX. 
I have requested help from Discover to reduce the amount owed as I am faced with the limited income and high medical expenses and income that is tied up for basic needs. 
The response has not been made to do anything to help me at all. 
I have requested their policies in be provided in written form. At this point their position has been to ignore my written correspondence. 
I have requested that this matter be kept confidential but not ignored. 
My health condition is permanent and having no options has me very concerned. 
The payments for the Discover account has been covered by a family member to help me with this permanent hardship.
Product: Credit reporting or other personal consumer reports

JPMCB AUTO  XXXX was reflected as a late payment on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB AUTO customer service representative. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

Hi, I had one checking account and two saving accounts at Chase. When I first opened account at La XXXX brach office of XXXX. They gave me a free safe deposit box as a bonus. But I never used this deposit box. About XX/XX/XXXX, I opened an investment account from the online banking. I did not do any trading since I opened the investment account. In XXXX XXXX, I got an email from Chase, they told me my investment account was changed to self-directly account. I was so wired : what kind of my investment account before? I opened it online, and did not came to any branch off and talked with any investment consult. This email let me feel uncomfortable. 

At the end of XXXX XXXX, I came to a Chase Branch to close all account, including the checking account, the saving accounts and investment account. The banker told me, she closed the checking account and saving accounts, but I need call Chase to closed the investment account. I called Chase. The agent told me, I have another investment account ending in XXXX, they could not close it, it was belong to finance dept. I was weird again. I went to a branch office again to confirmed if I have this investment account. The banker told me she did not fine this account. 

During I closed all accounts, I also call La XXXX Chase branch office. Because I moved from La XXXX to XXXX California in XX/XX/XXXX, it has over XXXX miles from XXXX  XXXX. I hoped I can discussed how to close the safe deposit box by phone before. But unfortunately, I called the La XXXX XXXX XXXX over 10 times during their business time within twodays ( Friday and Saturday ), no one answered it. Only one time, they answered, I told her my status, she let me to call Chase XXXX  hotline to settled. But the agent from XXXX hotline said the safe deposit box was belong to the branch office, I must to call them. I do not know how I could closed the deposit box. 

Two weeks past, I checked my online banking, and found that the investment account wass still appeared. I sent sercurity email to inquire about this status. They said, this account I could not to trade now, but they should kept the investment account about 18 months for the tax. I reply them, there has not the tax record because I never did any trade, on the other hand, they could kept the recorder by themself, why they still let the investment account at my online bank. They only reply that maybe the investment account kept less than 18 months if I never did the trading. 

For above, I think Chase have some thing is unreasonable, the service of La XXXX Chase branch office is not professional. 

Thank you for your attention and time Best Regards XXXX XXXX
Product: Debt collection

The department of Illinois Human Services put a debt item on my credit profile that I am not aware of. I never owed the state of Illinois any back payments of any sort! This is fraud on my credit report and the department needs to validate the debt. They put it under my legal name and could not find any debt. I didn't provide my personal social security number because that is private. 

I have not lived in Illinois since the late XXXX 's, and in XXXX I didn't live in Illinois I lived in XXXX, New Mexico. If the state is trying to collect on a debt over 30 years old I need to be informed in writing of the date the debt was first owed before putting these items on my credit profile, and anything containing my signature showing I owed this debt. My credit profile is clean and has always been! I need help with a resolution because this is bogus, and this happened around XX/XX/XXXX per my XXXX  credit profile. Also, the collection company is fraudulent too, no one answers the telephone. Thanks.
Product: Consumer Loan

ProsperXXXX appears to be preventing shopping around for best interest rates. Received e-mail that said our rates are lower than before, please click to see new rates available. I clicked on advertisement and after entering some information they said have to decline offer as was declined within last 120 days. I called the customer service number said, I have a loan with prosper and was checking the rate in the advertisement for a lower rate. They said that I must of applied to an affiliated company within last 120 days, such as lending club ( which I did to see what their rate was ) and therefore ca n't consider an offer. Customer service said, need to be careful and not click on those advertisements. I said that sounds like Prosper is preventing people from shopping around for the best interest rate. Customer Service agreed.
Product: Payday loan, title loan, or personal loan

I received a letter from XXXX XXXX XXXX XXXX, a debt collector on XX/XX/2022. The letter informed me that they are trying to collect a debt of {$4800.00} that I owe to PayPal , Inc . This was a shocker as I have not used my PayPAL for a long time. I do have a PayPAL account and when I logged in and checked. My PayPAL account shows no balance and transactions or purchases in a long time ( as expected ). The letter indicated a PayPAL account number as XXXX. I called PayPAL and they confirmed my account has no balance pending. However, the account number in the letter also has my name associated with it. When I asked them for more information, they asked me to provide an email and credit card/bank number associated with the account ending in XXXX ( the XXXX in the letter ). Since I never opened that account I could not provide that information. I had been a victim of ID theft before. As a result for several years I have frozen my credit with all XXXX  credit bureaus as well as the XXXX  system. I had also set fraud alerts at all these places. So how can someone open an account using my information and conduct financial transaction ( s ).
Product: Debt collection

XX/XX/XXXX - original amount {$25000.00} ( approximately, as I have never received a bill ) - I noticed a collection on my credit bureau report for {$1700.00} listed as " original amount '' which is totally untrue. I contacted the reporting collection company by phone sometime in XXXX - they refused to give me details of the account, history, payment information or any other information but continue to report it to the Credit Bureau XXXX XXXX XXXX XXXX My medical insurance company, XXXX, covered and paid them XXXX XXXX XXXX XXXX XXXX, ) approximately {$22000.00} services were for air flight transport from a hospital Emergency Room ( who could not handle my injuries following a major and catastrophic accident I suffered XX/XX/XXXX ) to a different hospital Emergency Room. 
XXXX XXXX XXXX contracts with providers and they are obliged to accept their payment and rate tables as payment in full. My deductible was met prior to the accident of XX/XX/XXXX and prior to these services/charges incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX data breach. I have submitted the necessary documents to have the fraudulent accounts listed on my FTC reports blocked per the statute. This is a block request not a dispute!!