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

I have attempted to add an authorized user to my American Express credit card. A representative from American Express informed me that the user could not be added since XXXX  could not confirm my phone number. However, American Express is well aware of my phone number as I have been a customer of 18+ years with the same number. I XXXX have been a customer before the representative was even born ... I was informed to contact XXXX  to request my phone number to be updated. American Express claimed that my credit would need to be inquired a second time to check for a phone number. Why would multiple credit inquiries be required to check for phone numbers? That is illegal. Credit inquiries are required to check for financial history. I called XXXX  twice on XX/XX/XXXX, waited on hold for more than 30 minutes during each call. The XXXX  representative would say " hello, how can I help you? Hold on '', then hang up on me.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. EXPERIAN AND XXXX ARE GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE EXPERIAN or XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX  XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITACPT XXXX Balance Owed : {$10000.00} This account was involved in litigation and do not belong to me. I never established these accounts. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately
Product: Bank account or service

My step-mother had XXXX. She had a savings account in her name only with my father as POD. There has been an ongoing feud between my step-mother 's daughters and my father. My step-mother 's oldest daughter had a POA ( Power of Attorney ) for her mother that was nullified on her death. She died around XXXX with an official time of death being XXXX on XXXX 2016 ( due to the time it took the coroner to arrive at her home ). While my father grieved for his loss, the oldest daughter withdrew all the money in this account and transferred it to her personal account. We notified the bank of her death on XXXX/XXXX/2016 and proceeded to close out the other bank accounts. However, the bank missed this account and kept it open. The final amount of money was transferred to the oldest daughter 's account on XXXX - 1 day after the bank was notified of her death. The {$4000.00} in the account disappeared and there was nothing left for my father upon his wife 's death. The bank was Bank of America and I believe they made a mistake by not putting a hold on all accounts in my step-mother 's name, which allowed her daughter 's to remove the money ( legally belonging to my father ) on the day of her death and the following days after the bank was notified of her death. Now Bank of America will not answer any of our questions related to this account because my father was not a signer on the account. My father has XXXX and can not speak for himself any longer. We have statements that show withdrawals from this account {$3500.00} on XXXX and {$470.00} on XXXX - all after my step-mother 's death. The balance on the day of her death was {$3900.00} and my father got none of this money. Is Bank of America responsible for restitution since they did n't put a hold on the account upon hearing of her death? Can we get our money from B of A or do we have to sue the step-daughters? The estate department at B of A will not respond to any questions - because my father was not on the account, but also because they know they messed up by not putting a hold on the account when they learned of the death on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my XXXX and equifax and XXXX  report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.
Product: Credit reporting or other personal consumer reports

.I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as 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 on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.
Product: Debt collection

hello, this is not a complaint at all. 

i have account numbers XXXX and account number XXXX. 

I spoke to XXXX on XX/XX/year> at XXXX XXXX about the above collections account. XXXX has Id XXXX XXXXXXXX and was so amazing and full of great information out this collection. Best experience i have ever had with a collection account. 

Furthermore, my two accounts were eligible, according to XXXX, for removal on each bureau if paid before XX/XX/year> and XX/XX/year> respectively. 

The purpose of this letter is to let you know that accounts are paid in full as of XX/XX/year> at XXXXXXXX XXXX 

I did send copy of paid receipts to XXXX or the consumer support email. 

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

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX balance was due XX/XX/XXXX. 

The balance was initiated on XX/XX/XXXX, but Grain didnt initiate it until XX/XX/XXXX. According to the emailed screenshot of the payment confirmation it was paid on XX/XX/XXXX, through the bank account checking/routing system. 

The payment was reported 30 days late to the Credit Agencies- it is not my fault that I paid it on the due date ( according to the email screenshot confirmation date ) but the company didnt initiate it until the day after. 

This is falsely and inaccurately reporting. 

This payment needs to be updated to Paid on time/current and sent to the agencies to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 ; I have filed numerous complaints regarding XXXX, XXXX, and Transunion unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!
Product: Credit card or prepaid card

I purchased products at an XXXX XXXX outlet in XXXX, NH in XXXX XXXX and was offered a discount if I signed up for a credit card and I agreed and was issued a paper credit card. 

I received my bill at the end of XXXX XXXX and paid it the first week of XXXX XXXX. I then received a notice that they received my payment but it was 10 days late so I incurred a XXXX dollar late fee. I called and asked for a XXXX time only forgiveness because it was my first use of the credit card. 

I was denied so I cancelled the account and never used it again. 

The next month I received a bill for XXXX dollars then for XXXX dollars. 

I have called Comenity Bank but they have refused to forgive my late fees and today I owe XXXX dollars. 

They have agreed to stop adding to my bill as of XXXX, XXXX, but stand by the XXXX dollar fee.
Product: Checking or savings account

On Friday XX/XX/XXXX, I attempted to login to my account online to check my activity and verify a refund that was supposed to be posted by a vendor. 
When I logged in, I was met with the error : Unable to Edit Profile You are unable to edit your account profile from this device at this time. Please call us at ( XXXX ) XXXX for further assistance. 

I logged out, cleared my cache and cookies, and tried again. 
Every attempt to login was met with this error, so I called the number listed. 
Call 1 : Automated system hung up on me. 
Call 2 : I was left on hold for > five minutes, and the line disconnected. 
Call 3 : I finally got to a human, and she was very rude before hanging up on me. 

I reached out to a personal banker via email asking for help and left it alone over the weekend and into the following week. 
On Tuesday, having no response or assistance, I used the online 'chat ' function, I called several more times, and I even stopped by a branch to ask for assistance ; all of my contacts with Huntington , except the calls and emails with the personal banker, were abysmal at best, and in some cases, downright abusive. 
Some of the phone agents called me names, XXXX XXXX, and other nasty things, most of them talked over me repeatedly, ignored or refused to accept details from me, and demanded I provide more information that was not available to me, I.E. What caused the error, why is the error happening, and what the status of my account was ( These are all questions I would have expected them to answer internally ).
Product: Mortgage

Two weeks a title company reached out to Carrington Mortgage for the payoff and found there were 2 partial claim liens. She contacted HUD and we found a case number for both liens. HUD informed us the one lein was never sent to them and they only hold one lien. Upon contacting the mortgage company everyday for a week I was finally told they have investigated and see while the claim was filed it was never completed or sent to HUD and the moeny is not owed. They will not however provide me with any written documentation that they are in the process of drafting a release. We have called and spent hours on hold waiting for supervisors who tell us, they can't provide us with any written documentation. I am supposed to be at the settlement table on XX/XX/year> and they are telling it can comleted for another 30 to 45 days before they can provide me any documentation. I will not be able to settle and this is jeapoardizing the contract I have with my sellers. Please help me. I'm desperate for assistance.
Product: Debt collection

I applied with amplifier to Borrow some money I didnt realize they were charging 30 % for it and they said they sent me a notification in my email but I did not see it when I signed up for it. Interest is maybe 8.00 a day. Not sure. I borrowed {$700.00} but payback ending up over $ 2,000.to 2,500. If I remember correctly.
Product: Credit card or prepaid card

I've had a credit card with wells fargo bank for the last 7 years in the amount of {$1200.00}. I used the card in the beginning for college. I maxed out the amount of the {$1200.00}. I have been paying the required minimum of {$90.00} a month. One year I did ask the bank for a reduced amount to lower my payment. They closed the credit card line and lowered my payment but did not lower the amount or the interest rate. I now currently owe over {$3400.00}. In the last 7 years I have paid roughly {$7000.00} and the bank is still wanting me to pay off the {$3400.00} for a {$1200.00} credit card loan.
Product: Debt collection

On XX/XX/2017, I sent a request for debt validation to National Credit Management. I received a response back dated XX/XX/2017 with insufficient information to prove that the account had been transferred to this agency AND stated that the agency would CEASE all collection activities. Subsequently, AFTER I demanded validation NCM illegally ADDED this account to my credit report as I was alerted to a new account on my credit bureau on XX/XX/2017. I submitted a compliant via CFPB where NMC agreed to CLOSE the account and return it to the original creditor. This action of CLOSING the account is insufficient as this company continues to ILLEGALLY report FALSE information on my credit report. I am demanding that all references to this account be IMMEDIATELY deleted from ALL credit reporting agencies and I be paid {$1000.00} for each reporting instance including both XXXX and XXXX for a total of {$2000.00}. I am in the process of applying for credit and this is ILLEGALLY damaging my credit rating. I am attaching a copy of my letter to NCM, the certified letter receipt, and the NCM debt validation response letter including attachments that NO WHERE state that this account has effectively been transferred to this agency for collection purposes.
Product: Consumer Loan

we have an auto loan with wells fargo dealer services. we had gotten behind on payments. we believe it was only 1-2 payments. we have asked for statements showing every payment, and all of the fees that have been assessed to the account. we have now found that they are still placing force placed insurance ( we have always covered the vehicle with full coverage ins ). We have provided proof of insurance numerous times. with the most recent this last week. and we provided in XXXX as well. it is a very frustrating time consuming endeavor we have taken on with these people. We want to have all the force placed insurance taken care of and any other fees that should not have been assessed.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( block , inc ) due to inadequate customer service an unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely an effective measures to prevent an address fraud on their platform, leaving my account vulnerable an unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) an regulations E. These actions have caused significant inconvenience an financial loss, an I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I checked my Credit Bureau Scores and discovered that an alleged debt was " Parked '' on my credit reports without any notification beforehand. I do not recognize this debt or debtor. I have contacted XXXX and will be contacting the other credit reporting agencies to asked them to remove this from my consumer account as it has damaged me already by lowering my credit score XXXX points across all three reporting agencies. 

I have sent certified mail demanding verification of this debt as I am exercising my rights as a consumer to have a 100 % accurate credit report. 15 U.S.C 1692 ( g ) prohibits parking debt on my consumer report without first providing validation and/or verification of this alleged debt owed.
Product: Credit reporting or other personal consumer reports

Despite previous notifications and attempts to rectify the situation, XXXX has failed to conduct a proper investigation and continues to report the account XXXX XXXX XXXX XXXX inaccurately. On XX/XX/XXXX, I sent a letter to Experian detailing the specific errors associated with the account in question, which involves the collection agency XXXX XXXX. I provided evidence highlighting the inaccuracies, and I expected a thorough investigation and prompt correction in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX has since removed this account. To my dismay, Experian has neglected to remove the inaccuracies from my credit report, demonstrating a clear violation of FCRA regulations. Furthermore, this debt is uncollectible. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX. It is now XXXX. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. Given the persistent non-compliance with FCRA guidelines, I must inform you that I am left with no recourse but to pursue legal action against XXXX to seek relief, damages, and corrective measures. I urge Experian to address this matter promptly and rectify the inaccuracies on my credit report within 14 days. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Experian will take immediate action to rectify this situation and prevent the need for further legal action. I have attached the dispute letter, which is dated, and time stamped as well as the credit report with clear inaccuracies such as the date last active and the XXXX payment history.
Product: Checking or savings account

I called chime on the XXXX of XXXX to report a couple fraudulent charges on my account they opened an investigation and on the XXXX I received an email from them telling me that they're findings determined that they weren't going to reimburse me my money I canceled my cards and ask them what recourse do I have at this point because those were fraudulent charges and I also asked for them to send me what they're findings were.
Product: Credit reporting or other personal consumer reports

This is another complaint in a series of complaints after XXXX, XXXX and Transunion have been willfully noncompliant when it comes to accurately reporting in my consumer credit report. Fair Credit Reporting Act 15 USC 1681 section 602 a, states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Transunion are consumer reporting agencies and I am the Consumer. My right to ensure my private information isnt shared is backed by 15 USC 6801 which states It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX  are financial institutions by definition under that title.15 USC 1681 section 604 a section2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX the financial institutions and the Consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXXXXXX XXXX  whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. These accounts are adverse items reported again without my permission which is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Transunion are not maintaining reasonable procedures. Also, 12 CFR section 1016.7 states that A consumer may exercise the right to opt out of at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Equifax to reinvestigate XXXX XXXX account on XX/XX/XXXX, 2023.They stated everything was accurate and completed on XX/XX/2023. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I asked XXXX XXXX serval times of date of last reported, date of last activity, payoff disclosure, credit insurance, interest rate. And the original contract with my signed signature on it according to the FCRA LAWS pertaining to my credit report. I did not receive anything from XXXX XXXX.
Product: Student loan

Navient has  started to call me upwards of 5 times per day in the last week. They refuse to leave voicemail 's and reference what they would like to speak about, they call only during hours when I am at work, and they continue to call to the point of harassment, not allowing me sufficient time to return the phone calls.
Product: Credit card or prepaid card

Lost my card and got new credit cards. Once I activated them, I was unable to access my old account to settle my balances. Balance was due in 5 days. Customer service rep in XXXX told me to wait 5 days as it would take that much time to transfer everything over. I did not want to wait to give them my money. Asked for supervisor, and they transferred me to XXXX XXXX to a man name XXXX. XXXX also could not help and refused to give me the name of his supervisor. I simply want to pay my bill in full and close out my account