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

Equifax, with my membership, provides me with pre-approved credit card offers to consider applying to. In XXXX of XXXX, they sent me a " pre approved '' offer for a XXXX card through XXXX XXXX XXXX. I applied, was approved for the credit card pending providing my bank account information. My e-mail message for this announcement was inadvertently deleted and a few months later, XXXX sent me another reminder to provide them with this information with a message that said " reach out to us again to re-apply '' as I had passed the 30 day timeframe to respond. Per advertising messages sent to me, from Experian, regarding this pre-approved offer, I applied a second time. The response from that application was " can not verify your identify '' I submitted the same information, my info had not changed yet they could not confirm my identify. A few months later, Experian again sent me another XXXX card advertisement saying this card was a match for me. I applied a third time and again, got the " can't verify your identity '' message. 

This resulted in XXXX XXXX XXXX XXXX hard inquiries on my credit report. The first in XX/XX/XXXX, second in XX/XX/XXXX, and the third in XX/XX/XXXX. 

Experian says " not our problem '' however, based upon Experian 's algorithm and advertising to me specifically for my XXXX XXXX, that is why I applied in the first place. They told me I was pre-approved, continued to push out information to me as a consumer indicating I should " try again '' and the result was three, hard inquiries on my credit report and no approved application due to " can't verify your identity '' Experian sends misleading promotional advertising to consumers leading them to believe they are " pre-approved '' when they may not be. They continue to encourage " trying again '' when based upon what XXXX XXXX said was " too many attempts '' a denial of their card. 

I want these three hard hits to my credit report removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

l, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX Account # 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. 

Account Name : XXXX XXXXXXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, Account # 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

PNC Bank made a change so XXXX Online can not link to it any longer
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX my XXXX XXXX credit card was closed at the company discretion. Since then this company has reported inaccurate information on my credit report. On XXXX XXXX credit report it is reporting that my account is open, when I fact it has beeen closed for months. Also it is reporting that my last payment was XX/XX/XXXX, but at the same time reporting that I missed XXXX payment and was 30 days late, while reporting that the last report date is XX/XX/year>. All while this account is closed. On equifax its reporting that it last reported XX/XX/year>. It also shows no payment history whatsoever, states a different balance and that my status is current with no late payments, but also still reports as open. On XXXX it reports that last report date is XX/XX/XXXX, that I am current with no missed payments, but that my last payment was XX/XX/XXXX and that the account is still open. Also with a different balance. This has had a negative effect on my credit report due this credit card inaccurate reports.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate and correct inaccurate information on my credit report regarding my mortgage with XXXX. I closed on my property on XX/XX/year> ; however, Equifax is reporting that this account was 90 days late before I even had ownership. It is impossible for me to have missed payments on an account that did not exist at the time. Despite my disputes and the clear evidence I have provided, Equifax has failed to conduct a thorough and accurate investigation, allowing this false reporting to remain on my credit file. 

Equifaxs lack of proper investigation is damaging and unacceptable. Their failure to correct this clear inaccuracy suggests negligence in their dispute resolution process. I am requesting that Equifax update the account status to Paid As Agreed, Never Late ( PANL ), as I have provided proof that the reported late payments are incorrect. I urge the Consumer Protection Bureau to take immediate action to ensure Equifax upholds its legal responsibility to conduct fair and accurate investigations as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX second I was alerted that a new account appeared on my credit report for moneylion for the amount of XXXX which I did not open or requested I spoke with moneylion on XX/XX/XXXXbecause I had already dealt with this in the past when I noticed a hard inquiry being made supposedly they found the account closed it and flagged it in XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at XXXX XXXX and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither Equifax or XXXX XXXX will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent TransUnion a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. After waiting over 15 business days for a response I sent another certified letter on XX/XX/2019, letting them know that I have waited passed the allowable time for information on method of verification and since they failed to provide the proof to me that they violated my rights as well as that in itself is grounds for immediate deletion from my credit file. TransUnion continues to violate my rights with verifiable proof to keep reporting said item above.
Product: Debt collection

Southwest credit collection agency continues to report wrong information about me to the credit agencies even after it is determined that I am not the person there looking for, Ive disputed the issue multiple times sent my SS # and documentation. Ive spoke with a supervisor XXXX XXXX who said that Equifax and her company got my name mixed up with someone eles. Southwest reports information to the credit agencies without first contacting the consumer about the debt.
Product: Student loan

Last year I contacted the company about reduced payments due to financial hardship. I had been making my scheduled payments timely but in the month of XXXX of 2017 I had extenuating circumstances that prevented me from being able to make 2 payments. I called Navient and they were unwilling to help. I called again yesterday because I am now able to make the payments. I wanted to discuss with them the options about getting caught up given that I am 2 payments behind but ca n't pay them all at once. My credit report is being significantly affected and I am trying to correct the issue given that my employer could terminate my job due to my credit score dropping. The Navient rep was unwilling to help me- I asked about deferment or forbearance or capitalizing  the past due even if it resulted in a slightly higher payment, and the rep only responded with " sorry there is nothing that can be done '' even when I mentioned I could lose my job all together. At this point I feel like I have no options- I am trying to get caught up but the company is unwilling to help. This repayment is for a loan that was initially taken out with XXXX XXXX- they transferred to Navient- I had tried to work with XXXX XXXX as well because interest was capitalizing at a rate of 9.75 % and by the time I finished school the debt balance had doubled- then when it was transferred to Navient I had to start again with getting the loan looked at. Had I clearly understood what this loan was going to turn into I would have sought alternative solutions for paying for school. I appreciate any help in ensuring that the company is willing to work with someone who wants to repay the debt but needs a bit more flexibility. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account XXXX Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app took my money I had no one to speak to help fix
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I consumer XXXX XXXX sent a letter to Transunion requesting my consumer report, consumer file, and investigative file pursuant to 15USC1681.. on XX/XX/2021, I received a post card from Transunion requesting more information such as proof of address to verify my identity and address. I sent a copy of my drivers license, which has my current address and is unexpired, as well as my credit card ( 15usc1602 ( a ) ( l ) ). Therefore my identity and address has been verified. There should not be a need for an infringement into my privacy to send the requested documents ( consumer file, consumer report and investigative file. ) The address I mailed the letter from as well as the address I am requesting the files and report be mailed to is my mailing address. This is a direct violation of 15USC1681a ( a ) ( g ) and 15USC1681a ( a ) ( e ).
Product: Money transfer, virtual currency, or money service

We have 2 accounts with Coinbase, one is under my wife 's name ( With email address : XXXX ) and other is under my name ( With email address : XXXX ), also we had registered both accounts with the same phone number as XXXX. As we plan a trip to our motherland, so we had to change the phone number to access our account when we are out of the U.S, but after changing the phone number on the account with email address XXXX, Coinbase disabled both our accounts, and has blocked my asset and says " Sorry, account temporarily disabled. Please contact support. '' and stated we are not resident of the U.S while it's not correct and we are lawful permanent resident of the U.S, they also have our government ID, address and SSN, I also asked them I can resend or provide them with any other documentation that prove we are resident of the U.S, but they never responded to me. I have also tried to call their costumer service, but their call center doesn't accept calls, also I sent them several messages through their website but they never reply me. I also have attached my driver 's license, green card, last bank statement and last utility bill for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID
Product: Mortgage

We started a refinance process earlier XXXX with Citizens Bank in XXXX, PA. Prior to engaging with them, we were warned by another lender that Citizens is known for conservative appraisal values. We ultimately went with Citizens, paid {$500.00} for an appraisal, and the resulting value was {$5000.00} less than our neighbor 's home - which is identical to ours. Not only did the appraisal take way too long to create ( XXXX weeks! ) the appraiser intentionally left off high-valued homes in our neighborhood and included a low-ball appraisal from a community XXXX miles away. We challenged the accuracy of the appraisal, and provided additional comps from our neighborhood. The appraiser rejected all of the comps we provided for various reasons but did not make any attempt to adjust for our home value including these comps. Citizens bank hid behind reform laws and now we are stuck with what we believe to be an inaccurate appraisal, have lost XXXX months of time going back-and-forth with the bank & appraisal company. 

I believe that Citizens ' bank is using appraisers that devalue properties so that people will have to borrow more money than the bank otherwise wants to lend, and as a consumer we have no choice but to use their appraiser! 

With the internet today, we have the ability to read reviews on restaurants, contractors, mechanics, dog walkers, stores, and anytime that we are paying money for goods or services. In this case, we had an appraisal selected for us XXXX and they were awful to work with! ) and we have no say in the matter.
Product: Mortgage

Every year I apply for the XXXX County 's tax credit. I receive it every year. The tax credit check is sent to the mortgage company to help pay my taxes. It will most of the time lower the amount of escrow and in some cases leave me with a small refund due to a surplus. I have been with Ocwen for the past 4-5 years. My escrow is continually going up even though the tax credit is sent to them every year. The money is not deposited in my mortgage account or returned to the county. I have no idea where it is going. The county sends it directly to the mortgage company. So every year when I apply for the credit and get approved the money is going somewhere and Ocwen says they have no proof of it being sent. The county has proof of sending it. I am upset because I should not be paying the amount of escrow I am paying. That 's the whole purpose of the credit, but every year it is not applied to my account. I would like to have it researched and credited to my account every year going forward. I would REALLY like to change mortgage companies. Thank you for any help you can provide.
Product: Credit card

Wells Fargo stated that I rented a car from XXXX on XX/XX/XXXX. I've dispited the transaction several time and they insist that the transaction is valid because the card 's chip was used. I explained to them that the the chip was not used by me. I also told them there was no way for me to rent a car on the day in question because I was having a XXXX and because of the pXXXXXXXX XXXX I was unable to leave my home on the XXXX of XXXX. I sent the bank copies of my medical records to support my claims. I also contacted XXXX, the rental company to question the charge. XXXX indicated that the last record they had of me renting from them was in XXXX of XXXX. I forwarded this information to Wells Fargo, but they refused to include this in the investigation. The bank asked me if I had made a police report and I indicated that I had not because I started the dispute with them and didn't think I needed one, but I would file one. I file the report and gave Wells Fargo the case number. Wells Fargo indicated that they had supporting documentation of me making the charge, but would only that documentation was the use of the chip. I again stated that the chip was not used by me and stated that when renting cars one would need to sign a contract and provide ID. I asked the bank to provide me with that documentation. The bank would only repeat the chip was used. The charge to my card is close to {$900.00} and at the time of the charge my card was maxed out and there was not available fund on it. The only transactions I was doing on the card was payments.
Product: Debt collection

Calls to my home phone that are not my debt ... I DO NOT HAVE A DEBT FOR COLLECTION ie : Date of call Number listed 24 hour clock XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX They were advised to stop calling however does the above show that??????
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX ( MCM ) due to their failure to validate a debt and refund payments I made under the assumption that the debt was valid. 

Details of the Complaint : On XX/XX/year>, I sent a letter via certified mail to XXXX XXXX XXXX  requesting validation of a debt that they claimed I owed. In this letter, I also asked for proof that this information had been sent to me prior to being added to my credit report. 
Despite the certified mail, as of XX/XX/year>, I have received no response from XXXX XXXX  Management. 

On XX/XX/year>, I sent a second letter via certified mail, reiterating my request for validation of the debt and requesting a refund of all payments I had made. I made these payments under the assumption that the debt was mine, but I now require validation to confirm this. 

To date, XXXX XXXX XXXX has failed to respond to either of my letters.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$880.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$700.00}
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX XXXX Notes prev | next XX/XX/XXXX Block 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 thanXX/XX/XXXX business days after the date of receipt by such agency of XX/XX/XXXX appropriate proof of the identity of the consumer ; XX/XX/XXXX a copy of an identity theft report ; XX/XX/XXXX the identification of such information by the consumer ; and XX/XX/XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided such documents to the credit Bureau and Equifax clearly did not investigate and responded the same day refusing to comply with the Law.
Product: Checking or savings account

Chase sent me a letter in the third week of XXXX that they will close my checking account on XX/XX/year>. I complained about this and they responded that Chase has the right to close a checking with or without any reasons. 

So today I called the customer service and they said that they can't close my account. So in the afternoon i went to XXXX of the branch of Chase located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and they said that they could not close my account. 

My problem is I don't want to maintain my account with Chase due to poor customer service and unjust, descrimantory policy. I wanted to close my account and will never get involved with Chase in the future. I can't access my account which is under restriction but they continue to charge me with $ XXXX  monthly maintenance for an account which I am restricted. This is not right and fraudulent.
Product: Debt collection

My sister XXXX has literally messed up everything in my life I was in the hospital and thought that I could trust her once again after forgiving her from stealing my information while I was in the hospital she had my phone and used my cash app to send money from my bank account which I shout down and also she used my borrow amount which was XXXX I have reach out to cash app XXXX times all they saying is we cant tell u anything but we closed account due to things go against there policy that fine I wouldnt want account open that my sister used anyways I explain to them I victim of identity theft regardless of who did it was not authorize from me? I did not give any permission. I have sent Cash App proof. I will not be paying that bag because I did not borrow it. I am not here responsible for something that I did not borrow Cash app act like they can not understand what Im trying to say they keep emailing me and sending me notification of amounts of what I supposedly owe after sending documents stating what happen police report I was in the hospital I did not give her permission she has stolen pretty much my life I have to clean stuff up all because ppl wan na steal