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

Equifax has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX. XXXX XXXX XXXX - {$270.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXXXXXX ( PLEASE DELETE ) XXXX XXXX XXXXXXXX - {$88.00} ( PLEASE DELETE ) XXXX XXXX XXXXXXXX - {$420.00} ( PLEASE DELETE ) INQUIRIES XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) Thank you so much for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute online for my XXXX  Credit Report because I found, inaccurate information in the following areas : Name, Addresses, Phone Numbers AND Double Reporting information. 

I have 3 accounts that were reported Double but in separate categories on my Credit Report therefore this causes a double negative effect on my Credit Score. 

The accounts are as follows : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 

Each of these accounts were reported 2 times in 2 separate categories on my XXXX   Credit Report and possibly Equifax and XXXX  in the categories, Open Accounts and Collections Accounts. And I know this wasnt done by mistake. They did it on purpose. They are malicious. 

As for the Addresses, Names AND Phone Numbers, the Credit Agencies resound by using automated, generic responses. I get absolutely nowhere with them. They claim thats what the Creditor reported and act as if they dont need to do anything about it. This is in direct violation of the Fair Credit Reporting Act. It doesnt matter if the information was reported by a Creditor. That doesnt make it true. What matters is that the information on my Credit Report is, inaccurate, incomplete and unverifiable, but most specifically INACCURATE. 

For example, Ive never lived in New York. Yet theres a New York address on my Credit Report. Another example, my LEGAL NAME is, XXXX XXXX XXXX NOT XXXX XXXX. The information is INACCURATE and thats a FACT. I have the PROOF to be able to verify that thats not my name. Therefore both the Reporting Agencies and Credit Bureaus are reporting INACCURATE information. Simple. Black and white. 

But why is it XXXX near impossible to get anywhere with these people?! It seems like its their way or the highway regardless of the laws to protect consumers and citizens. So if thats what this really is, then this needs to be known and the Political and Economic Structure need to be changed to accurately portray whats really going on.

My requests are simple, black and white and WITHIN THE LAWS. There should be nothing else to it. So whats the problem?!?! Ill tell you what the problem is. This corrupt, scandalous, trifling, pathetic, disgusting government and system. The idea is ideal but the wrong people got a hold of the Device and are using it for their hidden agenda. Its just a false facade of freedom. If I could leave I would. I would of left a long time ago. But my Brain and Body are hostages being held against their will. And Im not a punk and I dont need your pity. And dont even try to use the XXXX card. I hate when you people do that and you know it. You wont get away with this. Justice will triumph. Real justice. Im SANE. And thats a FACT also.
Product: Checking or savings account

Hello CFPB Team, Here I am filing Dispute against BOA, XXXXXXXX XXXX and XXXX XXXX. This is XXXX, In XXXX 2022, the XXXX Scam ( Employment scam ) happened through my Bank Of America account XXXX I attended one interview in XXXX 2022, they gave me employment confirmation offer and it was fully Work from home remote opportunity, after that for office accessories ( Laptop, chair and desk ) the employer provided me checks and asked me to send the money to the vendor so that the vendor will directly sent the accessories to my home. I deposited the checks which were provided to me and I transferred the money from my account later I realized the whole thing was a scam. My account went to a negative balance and I reported to the BOA XXXX department regarding this whole scam so they freezed my account and they performed an investigation but unfortunately I was the one who transferred the money without knowing it was a scam so finally I ended up paying the balance to BOA ( XXXX $ ). I paid the balance amount to BOA and I got a confirmation letter from BOA, I am attaching here. BOA informed XXXX XXXX  and XXXX XXXX before I paid. After I paid I raised a dispute against XXXX XXXX and XXXX XXXX they updated the status by saying account balance Paid fully but still I am not able to open a bank account, Its been 2 months I am applying for Most of the Banks and Credit unions but I am not able to open a checking account anywhere, I am not sure what information is presented in my Credit report. After I did all these still I am not getting any Justice That's why I am raising a dispute against XXXX XXXX, XXXX XXXX and Bank Of America, Please help me, Here I am the victim Of both employment Scam and BOA. Here I am not able to understand how a victim can be punished even after I paid the full amount to BOA, When I went to ask the same thing to BOA they were very irresponsible and they simply said this is how it works. I am hoping I will get justice here. Because of this I spent lot of sleepless nights. I hope I will get XXXX here. 
Looking forward to hear from you!! Please let me know if you have any further questions.
Product: Student loan

I graduated college in 2013. I have been dealing with these fowl people for 10 years now. Initially they told me when I couldnt pay my loans back upon first graduating, that I quote, should eat more peanut butter and jelly. But now, I am trying my hardest to pay what I can, making barely above minimum wage and still raising a child and paying day care and all my other bills. I am enrolled in the rate reduction program with Navient. They make me call every 6 months to re-enroll. Occasionally, it seems THEY mess up and schedule the new date to where I skip a month. But they are the ones creating the dates. So, the calls start. I got 7 calls JUST YESTERDAY, 5 earlier today, and several the day before that. While at work, I am unable to pick up, IN A XXXX  These calls are harassment. When I do answer, I have to sit on hold and go back and forth with rude arrogant men most of the time who when they realize they are wrong, like to be VERY nice. But, they dont need to speak to anyone like that to begin with. They are not only calling me this many times, they are calling my co-signer. So in 3 days, we got almost 30 calls. And this is not the first time. I am SOOO SICK of having to stop making dinner for my daughter, the only 2 hours a day I have with her because Im working my XXXXXXXX XXXX to try and actually pay these people, to argue about my loans that I am indeed paying on. Its insane to me. Im being treated like a criminal. NAVIENT ARE THE CRIMINALS and if I could press charges for the way they treat me as a consumer I would, but I dont have the money to do that, because I am actually paying my bills.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report i noticed hard inquiries that i did not make nor did i approve anyone to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.
Product: Debt collection

I have been receiving debt collection notices by email for a few months all of the sudden. I have never heard of this company before and they claim I owe them {$130.00} on a lease. I have never had a lease with this company called XXXX XXXX. So I looked it up and it is a property that my mom and I APPLIED to almost 3 years ago, whose name has been changed since then, and whom claimed we owed them application fees when we had proof that it was paid! We went back and forth with them for weeks about this and, finally, they stopped. Now, years later, I get this fraudulent collection notice. I can not dispute it with the collection agency as they require me to provide them with a unit number that my " lease '' was under but I never lived here. We applied only and ended up getting a house instead. I also have no bills that were in my name at the time of this for proof of residence as I had just moved back to NC and lived with my mom at the address these people have listed on the collection notice. They also want a copy of my DL, which I am not giving them, as well as a copy of a police report, which I don't have because up until XXXX months ago, I was under the impression that this situation was resolved as we don't owe these people a dime! I will have to attempt to find the former name of this leasing company, then search through all of my emails for the last 4 years, and hope that the old ones didn't get auto deleted from my inbox showing that the payment for the application fees went thru as well as all the emails we had with this leasing company when they tried to take the paid leasing fees out of my bank account, fraudulently, multiple times after they were paid originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, USPS tracking number XXXX, I mailed XXXX a handwritten letter, appropriate proof of the identity and some FTC reports due to incorrect items on the file they have on me, XXXX XXXX a consumer in fact. This is now the 5th time that I have mailed in letters and FTC reports addressing this issue with either no response or a generic response. The latest response claims that the letter and reports I sent did not come from me and therefore they took no action. I am not sure how XXXX can make that determination considering I sent in appropriate proof of my identity, hand wrote the letter myself, I have sent them the FTC reports several times, and they did nothing to verify that the letter was not sent from me. According to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given any permissible purpose to report my personal dealings with any other sources. XXXX or any other consumer reporting agency for that matter These accounts have been affecting me for a few years and Ive tried several times to address this matter with XXXX  to no avail. As a victim of identity theft, I filed a report with the FTC sent it in to the appropriate consumer reporting agencies ; XXXX took no action once these reports were received on XX/XX/2022. According to 15 U.S. Code 1681c2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I have been denied multiple times due to this inaccurate reporting by XXXX. Furthermore, I explained to them that according to 15 USC 1681b ( 6 ) since XXXX, XXXX, & EQUIFAX operate nationwide, they should have removed the accounts and alerted one another in order to keep accuracy on all reports and comply with this law. The hardship this has brought to me, and my family cant be explained in words, but I am making that attempt now. I have no confidence nor trust in XXXX as they have willfully and knowingly kept reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and XXXX is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are : 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 and incorrect personal information, I have filed a new FTC report to go along with this complaint as well.
Product: Bank account or service

I opened an CitiGold account with Citi Bank on XXXX/XXXX/2016 with the offer to receive XXXX bonus Thankyou Points after meeting the requirement of making 1 qualifying bill payment from the checking account each month for two consecutive calendar months. I called Citi Bank on XXXX/XXXX/2016 to confirm that i was enrolled in the promotion, the representative confirmed that i am enrolled and will receive the promotional bonus. My call to Citi Bank on XXXX to confirm the promotion is listed on their account notes. I have met all the requirements and Citi Bank has not posted the promotional points. The points were supposed to be posted with in 90 days and now it 's well over 90 days. Please help me resolve this issue and have Citi Bank post the XXXX bonus Thankyou points to my account. Thank you.
Product: Credit card or prepaid card

On XX/XX/2022, Capital One XXXX XXXX XXXX XXXX account. I found out on XX/XX/2022 when I tried to use the card and it was denied. XX/XX/2022 Called Capital One and after about XXXX minutes on the phone, I was told the account was closed and they could not provide a reason. I would also lose all miles I had built ( XXXX. ) I only had the card for about 6 months and use auto-draft to pay my bill. I NEVER carry a balance and have been a Capital One customer for about 10 years. My Credit score is about XXXX. This card also cost me {$390.00}! No one called me No one will tell my WHY my account was closed. I was told I could reapply after 90 days. Im asking Capital One to transfer the miles from my closed account to my current XXXX account that I have had for about 10 years. Also, provide credit for the cost of the annual fee from the closed account. Capital One should be honored that Im even still doing business with them after the problems I had getting the XXXX card and them canceling it without contacting me and keeping the miles I had earned. AND the {$390.00} for the cost of the card. 
I've also filled a XXXX complaint and they closed it saying .... 

XXXX XXXX XXXXXXXX Capital One XXXX  XXXX XXXX XXXX XXXX XXXX Thank you for contacting our office regarding the complaint filed in our office. 

Capital One will respond to your complaint however, it is our understanding that Capital One has 60 days to respond to a complaint filed through the CFPB agency. 

At this time your complaint will be closed in our office but if after that 60 day time frame no response has been provided to you from Capital One please inform our office so that we may continue our process. However, if a response is provided and you do not find it satisfactory any rebuttal would need to be filed through the CFPB according to their policies. 

If you have any questions or concerns, please reach out to our office at XXXX. 

I also filed a complaint with the NC Consumer Protection Division. They send Capital One an email asking for a response in XXXX days. No response. 

I've asked Capital One multiple times for a letter telling my why my account was closed, but after over a month, nothing. NOTE : I did NOT ( until today ) file a complaint with CFPB.
Product: Mortgage

I received insurance claim checks from my insurance company made out to both me and my mortgage company. These checks, totaling over {$100000.00}, were intended to help me pay off my current mortgage and purchase a new home, as my house was totaled in the claim. However, when I called my mortgage company for instructions, they provided me with an incorrect mailing address. Now, the checks are lost in transit, and the mortgage company is unable to locate them. 

I'm facing a critical deadline. Im set to sell the property tied to this mortgage in just XXXX days, and the mortgage must be paid off to finalize the sale. Additionally, Im closing on a new home on XX/XX/XXXX, but I can only proceed with that purchase if this mortgage is resolved. 

Unfortunately, I cant get clear answers from the mortgage company. Ive reached out multiple times, yet no one seems able to locate the checks or provide guidance. Meanwhile, my family and I are without a stable home, and Im doing everything I can to remedy that. The lack of assistance and resolution from the mortgage company has left me feeling frustrated and exhausted. 

Please address this situation urgently and help me resolve it.
Product: Credit card

Capital One canceled my current Quicksilver Visa card because they claimed to ha e shipped me a replacement card. I had never received the replacement card and discovered my current card was cancelled when I could n't complete a {$20.00} transaction. Nobody had ever contacted me to tell me the card was going to be shut off and a replacement issued. Since I am a truck driver this situation was unacceptable as I need my card on the road. I called into the company received their explanation and was told a card would be overnighted to me. I was skeptical but took them for their word. I then got a call back 15 minutes later saying that I would not, in fact be receiving my card the next day ... Monday but would receive it Tuesday. Tuesday came and still no card. When I called in again I was assured that it was shipped and would arrive be Wednesday. However the company could not provide me a tracking number which leads me to believe it was never shipped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report an noticed unauthorized inquiries reporting on my credit report. These inquiries are unverified and unauthorized, I've contacted the creditor and they have advised for me to contact your office with this matter. I extremely upset with this matter and need these unauthorized inquiries removed immediately. 

1. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020
Product: Credit card or prepaid card

In XXXX of XXXX  or XXXX of XXXX  my credit card was charged for approximately {$340.00}. 
I disputed the amount. 
The amount was credited. 
I believe Capital One sent a letter asking for more info. 
I lost or did not receive the letter. 
The {$340.00} amount was charged back to my credit card.
Product: Debt collection

I've reached out and let them know that the bill was disputed by the original creditor XXXX XXXX of am by a mistake on there billing end. Now they are sending mail and calling at all times to collect something that i dont owe.
Product: Credit card

Key Issues Identified : XXXX. FAILURE TO HONOR PROMOTIONAL OFFERS a ) XXXX failed to deliver the advertised balance transfer incentive tied to my credit card, as promised. 

XXXX BUSINESS SYSTEMS AND SECURITY FAILURES a ) Persistent error messages highlight significant system reliability issues. 
b ) SoFi acknowledged engineering defects but refused to manually process transfers or offer interim solutions to uphold the balance transfer promotion. 
c ) Phone and online chat systems frequently disconnected abruptly and lacked effective escalation paths to managers or specialized teams equipped to address complex issues. 
d ) Allowing a credit card to be activated without the cardholders knowledge or consent demonstrates a serious security flaw. 

XXXX. CUSTOMER SERVICE FAILURES a ) Representatives consistently provided conflicting and inaccurate information via email, chat, and phone, further complicating issue resolution. 
b ) Escalation requests submitted through SoFis recommended social channel, XXXX, were ignored. 

XXXX. FAILURE TO RESOLVE ISSUES a ) Despite months of escalation requests, no meaningful solutions were offered, error messages persisted, and significant time was wasted. 
b ) SoFi took no action, allowing the promotional balance transfer incentive to expire. 
c ) To date, three separate support tickets have been opened, but there was no adequate follow-up or resolution. 

XXXX. MISLEADING AND DECEPTIVE COMMUNICATION a ) Communications falsely claimed that issues were resolved, misrepresented facts, and ignored ongoing concerns. 
b ) SoFi used no-reply email addresses without bounce notifications for replies, effectively blocking direct responses and obstructing resolution. 

XXXX. WIPING OF CUSTOMER RECORDS a ) SoFi erased chat histories without prior notice and refused to restore them, hindering documentation and issue tracking. 
b ) Despite acknowledging that chat histories remain accessible internally, the deletions appear intended to complicate matters for customers and minimize SoFi accountability.
Product: Debt collection

There is a collection showing on my credit file for an apartment complex that I never lived at, Infact I have NEVER even set foot on the property, never even seen the property. I was coerced into beginning a EDoc and did not even complete the application/lease agreement because I had told them I did not agree nor did i sign and SUBMIT this E-document entirely because i said i wanted to meet to further discuss. When I went back to delete my lease because It did not seem right to me due to the fact that I didnt even see or view the apt complex at all. It stated I was evicted which requires me to be living in the place. I reached out and said I did not agree with their terms and they said it had already been done.