23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Delete from my credit report. 

2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Debt collection

Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request!
Product: Mortgage

In late XXXX I was notified by my prior servicer that my loan was being transferred to Mr. Cooper and that my first payment to Mr. Cooper should be made XX/XX/2021. I received no information from Mr. Cooper and frequently went to their website to check the status of my loan. There was never any information. On XX/XX/XXXX I called and they verified that my loan was onboarded ( still haven't received a letter ). After setting up online access and choosing paperless statements the online access stopped working within 5 minutes of gaining access. Instead of going to my account it brought up a 500 error page. Attempts to login on the sign in page brings me back to the sign in page. I immediately called customer service, spoke to 2 representatives, and they had no explanation about why I can't log in. They could see I setup paperless statements and had my email address. I called the following day, XX/XX/XXXX, and was told that it's an issue with XXXX. I spoke to 2 representatives that day. On XX/XX/XXXX I still did not have access to the website to make payments. Again, the sign in page brings me to the sign in page. When I try and search by loan number and social it says my loan can not be found. The customer service representatives have not technical experience and always attempt to walk me through the obvious sign up processes. The website provides not contact information for IT or web support for technical issues. Customer service is useless. On day one I was told by a representative that they could write to their web support and call me back. I'm still waiting. This lack of service is unprofessional. I anticipate that this may lead to claims that I'm late on my payments and negatively effect my credit report.
Product: Debt collection

My identity has been used to obtain services with the XXXX company and according to my credit report it records an unpaid amount of {$1400.00} USD with account number XXXX. I have called and sent written communications explaining and requesting that this be corrected without receiving any response.
Product: Debt collection

EOS CCA XXXX EOS CCA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious EOS CCA XXXX EOS CCA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on my payment in the month of XXXX, I over looked the payment. I have had this account since 2014 and have never had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
Product: Debt collection

These phone calls have been going on for weeks. We lost count of how many calls we received, because it sounds like the calls we got from the " I.R.S. '' last year. We have not received a written validation notice telling us how much money we owe within five days after they first contacted us. The message is the same automated message from Mercantile Adjustment LLC, XXXX. A robotic name " XXXX XXXX??? '' is provided, but is hard to understand. They want us to use reference number that is provided in the message, XXXX. The automated message is the SAME everytime, and is sent at about XXXX each day. The message does not ask for anyone by name ; therefore we do not know to whom the debt pertains. We are unaware of any outstanding debt that we may owe.
Product: Checking or savings account

I have, for the last several months, been banking with a shady company, Current XXXX, which is funded and handled through XXXX. I had worked with a merchant for some purchases and those purchases the merchant had some errors in their side which caused me, multiple times, to be charged WAY more than I should have been. The merchant refused to refund, but insisted I reach out to my bank to dispute. The company was XXXX I had filed multiple disputes on multiple transactions, to which by your CFPB laws, they are supposed to properly investigate and also clear communication with the customer during investigation, not once was I reached out to, instead I got about 4 days later, the SAME DAY I uploaded evidence, denied an hour later for all of them. Which leads me to believe that their dispute process is XXXX, and they dont actually investigate. The merchant also said that the Card, XXXX, never once bothered to actually reach out to them and investigate. 
Multiple charges were charged for instance, I would charge {$4.00} to my card, and get hit with {$470.00} as there was a system error during this time. I call if my uploads you can see, receipts, corospondance with the merchant, emails from them, all of the evidence to prove Im correct and my will is logical, yet they deny, and allow this merchant to just steal my money, they refused to give me a provisional credit and have been failing at abiding by the law, I am now taking this to the News, as well as your platform, as well as attorney general, FTC, XXXX, XXXX, and comptroller of currency and XXXX XXXX who is the owner of Current XXXX. please make them give me my money back!
Product: Checking or savings account

On XXXX I opened an account with the Boeing Employees Credit Union. 
On XXXX Received a call and spoke with XXXX In XXXX, WA. who indicated to me that the transaction/my account was under investigation with no more explanations. 
The check from MA cleared on XXXX. ( The Credit Union has the money ) I called today, XXXX and spoke with XXXX at the BECU, who told me that the account is under investigation. He finally gave me some of the excuses - " FLAGS '' on why the account is under investigation ; among the " FLAGS '', XXXX enumerated : - Because I opened an account - New Account XXXX? XXXX -Check unknown to them. ( Again, the check cleared on XXXX ; the bank has the money. 
- The check did not have a line printed under the name of the recipient ( me ). 
- There are " other flags '' to which he can not divulge. 
Finally, he said that the investigation can take up to 90 days. In other words I don't have access to MY money until they decide.They must be kidding right? 
I will be filing complaints with the FTC, the OCC, and others I have emergencies and don't have extra money. Hope you can help. Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transfinancial Companies is reporting two accounts on my credit report in the amounts of {$680.00} and {$540.00}. I have tried to dispute this inaccurate information before as I believed the accounts were not mine and had been placed on my credit reports in error. The company did not send me any form or proof of the debt and continues to report on my credit file stating it meets FCRA requirements. I am entitled by law to receive the validation of this debt as I do not believe it is mine. The companies investigation did not provide any documentation of this debt nor did it resolve the issue that I presented to them.
Product: Credit card

I use my bank account to pay for my credit card debt on a regular basis. I have experienced problems with my privacy of my account being violated and my payments being manipulated. I have complained to the bank about this breach, but it will not investigate the breach and inform me when, where it happened, and who was responsible for it. they refused to answer my question of who has access to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete the following Incorrect Addresses and Employers listed below. 
EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX  XXXX EMPLOYER UNKNOWN?
Product: Credit card

XX/XX/XXXX : I received and email to XXXX from Apple Card Support / Goldman Sachs stating that my account had been closed due to a failure to comply with the terms and conditions. No further information was provided in the email. Please note this account has been in good standing since XXXX of XXXX. XX/XX/XXXX : I called Apple Card Support and asked what terms and conditions were violated because my account has always been in good standing with no late or missed payments. I was transferred to XXXX departments all in which could not provide an answer. Then I was transferred to a manager who documented my concerns and escalated the issue with Case Number XXXX requesting my account be reviewed as it may have been closed in error and also additional information. Current state I have no access to the savings account. As of XX/XX/XXXX my credit account balance had been paid in full and I can not access my savings account. This is due to their inability to conduct a dispute properly and blame the victim. I would like to formally request proof that I authorized the transaction disputed in the amount of {$50.00} that most likely lead to my account closing and being locked out of my savings account.
Product: Vehicle loan or lease

RateGenius is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. RATEGENIUS/XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears on my credit report.
Product: Money transfer, virtual currency, or money service

Cash App is made it impossible to access my account making it impossible to pay down the balance and avoid late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the inquiry which does not belong to me or was opened without my permission. 

XXXX XXXX NA XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I applied for a Heloc with BMO Harris on XX/XX/XXXX, were a rate was agreed based on estimated Credit score and appraised value. After waiting all the way until XXXX to be able to close as they had delays with appraisal, they finally send me the closing documentation with a date of XX/XX/XXXX with a higher rate. I called them to understand why the rate changed and they explained that the appraisal came for a lower value and the XXXX was higher, hence the change in the rate. So I requested them to lower the loan amount to keep the same rate as the original loan amount and they said the commitment expired on XXXX and they could no resubmit to underwriting. The only solution was to submit a new application. So not only the loan was delayed due to their process, a change in rate was not disclosed before closing, and they tried to force me to a higher loan amount and higher rate due to a " regulation ''. I placed a call to the supervisor and never received a call. I sent an e-mail to the loan specialists and still waiting for a response.
Product: Checking or savings account

I have tried several times to resolve this issue with. I was initially promised that I would receive my refund from a representative by the name of XXXX on XX/XX/2021 ; she appeared to be sympathetic to my situation and since it had been my first tie ever submitting a request for a refund, she granted it. A day later, I received an email from her manager, XXXX who is a level 3 at XXXX on XX/XX/2021 ( please see attachment for reference ), that despite what XXXX said, it could not be approved due to the tracking number stating that it had been delivered. I repeatedly asked XXXX to listen to the phone conversation so that she could hear her employee XXXX, promise me that I would get my refund and that even though her supervisor had to sign off on it, her manager didnt necessarily have to approve the refund ; XXXX refused. I called back again on XX/XX/2021. I gave it some time and called back on 0XX/XX/XXXXat approximately XXXX and spoke with a representative by the name of XXXX XXXX XXXX contacted corporate on her end via email and XXXX told me that Corporate could overwrite their decision. I then contacted someone by the name of XXXX at the corporate on XXXXwho then gave me my case # XXXX. After being denied countless times, I went to the XXXX to see if they would be able to rectify the situation. Someone by the name of XXXX responded to me and stated that since I said I would reach out to an Attorney, he would no longer help me ; initially, I said I would reach out to an Attorney as a way to get them to help me in any kind of way. I explained to every single person at XXXX that at the time I was living at my previous address, you needed to have a key fob to access any level of the building unless its the XXXX level which has different businesses, our mailbox and the door to our leasing office ; if the leasing office is closed, even residents have to use their key fob to access the leasing office that gives us access to the gym, waiting area, packages and of course the leasing office. I received different emails from saying my order was delayed and they would email me once it would be shipped out, that same day, they said my order was delivered and allegedly signed for. Not once did I get my order, sign for anything, the leasing office wasnt open and refuses to refund my money back. 


TIMELINE FOR CORRESPONDENCES WITH : XXXX XX/XX/2021 ( XXXX is the one who reassured me as well as promised me that I would get my refund back from the order I didnt receive ) Hayden- ( Level 3 Manager via email on XX/XX/2021 ) Called again on XX/XX/2021 XXXX ( spoke with her twice. Contacted corporate on her end via email ) -Supervisor XX/XX/2021 XXXX XXXX XXXX XXXX from corporate said no to my refund via XXXX XXXXCorporate rep contacted XX/XX/2021 gave me my XXXX case XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing XXXX XXXX for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate XXXX XXXX XXXX process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
Product: Credit reporting, credit repair services, or other personal consumer reports

un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! Transunion, XXXX, and XXXX are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.
Product: Checking or savings account

The Chase identify verification conundrum - Why I left Chase Closed all my chase accounts too much time wasted, and they cant verify my identify. I've been a customer for over 10years. 

The problem : Chase dont have my cell phone number on file, and they wont accept it even if I give it to them for the OTP, so they cant verify me - so DUMB It all started when I decided to move my checking to Chase ... 
Step 1 : Transfer funds from my existing checking - BLOCKED, pending identity verification Step 2 : Customer service Identify verification requested send OTP to Cellphone, and no matter which cell phone number I provide in the household they cant take it. 
Step 3 : They ask me to go to branch, I did, they still BLOCK the transfer - ask for proof of funds by showing my bank account on my phone, I refused for privacy reasons ( ludicrous - they can ask for it ) Step 4 : I asked to close all my Accounts ( all credit cards ) Step 5 :  They completely block me out - Lost access to online access : " We locked your account to protect it from suspicious activity. '' -- I still wonder what was suspicious about a long time customer when their own process cant verify me as a customer. 

BTW : I tried one more time 3 weeks later -- for online access so that I can pay off my balance and move on. I went through the same steps 1 thru 5 above Chase is so DUMB -  they cant verify identity of their own customer. 

I sincerely hope they can fix this for others. I am now a loyal XXXX customer -- Same process piece of cake, 10 mins and I was done, which took over 20hrs with Chase and I still was unable to get it done.
Product: Credit card

On XXXX XXXX contacted credit one regarding fraudulent activities on quick silver XXXX to get status but on XX/XX/XXXX I was informed that company closed my accounts. I use to have a XXXX capital one card but they switched to quick silver without notification and thats when I started having fraudulent activities for several months which I brought to their attention after using all the resources and features the company started to use to protect credit cards. When reporting to them regarding fraudulent activities they would say no problem you are covered keep asking how is my card being open when I locked the card they never gave response. Several times we spoke about visual cards informed them I never use visual cards since opening account I requested that this feature be deactivated per representative and supervisor my request was granted they even gave me a case number XXXX to use if it happened again well it happened again spoke with fraud supervisor who stated lets stop on line access ok on XX/XX/XXXX fraud supervisor stated they closed my accounts due to many fraud cases asked her to send documentation regarding investigation because I used all features available and their recommendation because I havent made any purchases since XX/XX/year> and it appears that supervisor and representative of capital one lying and misleading me this has caused me so much XXXX stress because I did everything right they couldnt tell me how cards got unlocked just canceling cards and issuing new ones in 3 days cards were issued 4 times I was paying my bill