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

Hello, For years I have been enrolled in Equifax 's Complete XXXX XXXX. For approximately 8 months I am unable to lock my credit report. I called Equifax. The customer care individual was unable to lock my report on his end. This was then escalated by a supervisor who said that a report was sent to Equifax 's Technology department. In the meantime, I was told by this supervisor a Freeze would be placed on my file. Last month ( XXXX ) a future landlord needed my to run my credit. I called Equifax to unfreeze my report. I was told that a freeze was never placed on my report. I called Equifax again, today XX/XX/2020, to remedy this issue. I spoke to XXXX in customer care. He was unable to lock or freeze my credit report. He stated that my case has been pending for months. He sent another request to technology requesting them to repair this issue. I asked XXXX if this could be done today. He said technology was not responding to him. I asked him if someone could follow-up with me. He stated he sent a memo to technology to repair this issue and to call me back. However, XXXX said he could not guarantee I would receive a return phone call. He said he placed a fraud alert on my file. However, if a lender forgoes this, a person could still open an account under my name. I was notified by Equifax and XXXX XXXX XXXX XXXX 's Tax Identity Shield approximately two months ago that my Social Security number and e-mails had been stolen. I received a letter yesterday that someone ( using my name ) was attempting to become prequalified through XXXX for a revolving credit account. Luckily the request was denied due to the freeze I placed with XXXX. However, I'm very afraid that if Equifax does not lock or freeze my account, someone will have access to opening accounts under my name. If you contact Equifax, they have our conversations logged. Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/22, XXXX XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Mortgage

Today XXXX XXXX7 I tried to get help to refinance my home through XXXX I tried with bank of America but do n't want to help me the always have an excuse missing paper 'or that I did a bankruptcy ' last excuse was that I have a lawyer and for tha reason they can help me my complaint it 's about fraudulent issues my bank of America never want to help me but because their loan modifications is supposed to be through harp program but it 's was n't they force me to sign through the court system I did n't agree but I had no choice today XXXX  told me they can help me to refinance my loan because my loan is full of fraudulent issues the person told me he does harp loan modifications alot of them nu never seen anything like this one and tha is the reason why the ca n't help me bank of america is used to do this type of fraudulent he told me they got sue for this same issue no long ago as I state here I do n't have a lawyer for this matter but im willing to get o e if the keep. Playing with my mental health
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, and XX/XX/2020, I wrote to XXXX, XXXX  and Equifax requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.
Product: Money transfers

On XXXX/XXXX/2015, I purchased an item from XXXX. The seller was located in XXXX and offered free shipping ( see attached ). This free shipping and the entire transaction was based on false and misleading advertising. The seller knew that the item, even though advertised ( see attached ) to fit the style ( XXXX XXXX XXXX ) of my vehicle, did not fit and an unsuspecting buyer would be forced to send it back to XXXX and eventually end up paying for shipping. 

The item is too long for the trunk of my XXXX MB. When I contacted the seller, " XXXX '' stated that I should return the item but she was unable to provide a prepaid return label from XXXX. Although she mailed the item via XXXX ( # XXXX ), the seller also stated that " there is no local shipping address within United States, that 's why we ca n't offer pre-paid service due to we are not located in USA '' ( see attached ). If the seller is not operationally equipped to handle returns, then they have no business selling to customers located in the United States. This is a scam! 

On XXXX/XXXX/2015, the fee in the amount of {$49.00} was charged to my Capital One account ending in XXXX. I filed a dispute which was denied by my bank due to seller XXXX 's statement that the item did in fact fit my vehicle. Although, in previous messages from XXXX she stated that she understood my concerns and will gladly refund my money once I return the item with shipping charges paid by me. On XXXX/XXXX/2015, {$49.00} was rebilled to my account ( see attached ) for item number XXXX.
Product: Credit reporting

There is a acoount reporting twice on my credit contacted equifax to remove XXXX since its also being reported by XXXX. Was never removed
Product: Checking or savings account

I on XX/XX/2019 used an ATM machine usin g the private pin number given to me by Suntrust Bank in ATM receipt. When I called Suntrust Bank to inquire why my pin gav e me access to an alternate account which had {$570.00} when there was only according my records {$8.00}. They refused to give me a sufficient answer hung up on me!!!! I would like an explanation Why my personal pin has access to other accounts??? Why I don't have access to these funds and where is this money coming from. Thank you. May XXXX XXXX Bless you.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus ASAP!
Product: Money transfer, virtual currency, or money service

Not having someone on call XXXX not having a real number XXXX can call not giving me my refund
Product: Credit card or prepaid card

I, XXXX XXXX XXXX, was denied an extension of credit by American Express for the XXXX time in the last 3 months and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a XXXX Credit Card and when I went for a limit increase back in XX/XX/XXXX. In good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with American Express by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. 

Since the letter you sent me on XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that American Express resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Product: Debt collection

Emergency Room visit XX/XX/20 was billed by Hospital and Physicians office billed separately but they did not file in a timely manner with insurance. They said they didn't have ins info but the hospital did where the physical is contracted. I was not aware of this debt until 2 months ago when I signed up for XXXX and saw this. I contacted the provider who said they just got the info and it is not timely for insurance. I have asked collection company to remove it since this was not my error and not in my control. They said they sent statements out that I did not receive and did not follow up with the hospital to get info. This needs to removed from collection. Insurance company has stated this is not legally my responsibility and should be written off by per contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX - XX/XX/2021 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

Original mortgage through XXXX XXXX Mortgage XXXX. 
Received a NOTICE OF SERVICING TRANSFER on XXXX informing me that the right to collect mortgage payments was being transferred to Lakeview Loan Servicing, LLC XXXX XXXX, XXXX effective XXXX XXXX, 2015. 
I called and spoke with XXXX XXXX Mortgage during the last week of XXXX to verify that they would not be automatically taking the mortgage payment out ( since I had automatic payment with them ) for the XXXX payment and instead to issue payment to Lakeview Loan Servicing. 
To date, I have not received any written or typed communication from Lakeview. The first communication I did receive was a single phone call at night on Tuesday, XXXX XXXX, 2015 at XXXX, and that was just an automated message telling me to call back the same XXXX number the automated message was calling me from, but during business hours. 
I have called back that XXXX number twice now, XXXX times traversing their automated-menu to try to reach a customer service agent, and XXXX times the system hanging up on me before connecting me to a customer service agent. The automated message also gave me a website to use ( XXXX ), however I am unable to use this website unless I have a Loan Number, which I have not been provided. ( I only have the original Plaza Home Mortgage Loan Number, which is not valid within Lakeview 's system ) On the original NOTICE OF SERVICING TRANSFER received from XXXX XXXX Mortgage, there was an address and different XXXX provided. I have called this number twice as well attempting to contact someone, and both times, get hung up on by the automated system before actually connecting with a person. 
On XXXX XXXX it 's listed that " your new servicer must deliver a transfer notice not more than 15 days after the effective transfer date. '' - This has not happened yet. I have had ZERO communication with Lakeview besides automated systems. 
I understand that on http : XXXX it lists that there is a 60 day grace that they can not charge me for a late fee or treat the payment as late, however I do not trust this new company at all given their astonishingly poor handling of the transfer so far.
Product: Credit reporting or other personal consumer reports

XXXX Account : XXXX and USAA Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans through XXXX XXXX ( now " Navient '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " Navient '' ) on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. All the credit report companies XXXX, XXXX and Experian are all reporting late payments on my credit report. 
XXXX All the credit report companies are reporting hard enquiries without my authorization.
Product: Debt collection

Leased Ended with XXXX XXXX XXXX in XX/XX/2021 with XXXX XXXX XXXX in XXXX XXXX, LA. I paid all debts and received final invoice showing XXXX balance. I do not owe any further debts.
Product: Debt collection

Keep receiving emails, threatening calls from XXXX, XXXX, XXXX, XXXX and several others Id # XXXX, company name True Accord. This debt collector is in violation of practicing deceptive practices, harassment, in violation of the privacy act, and I dont know how they got my private personal information without my written consent, and they have reported it to the credit bureaus and this is causing me Grevious harm to myself and my family/XXXX. They emailed and my information is private and they keep harassing every day. Please, they are in violation of title 15 usc 1696a, XXXX XXXX XXXX XXXX  I and many other!!! 
They are harming me with their constantly harassment!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out the XXXX multipole time over 2 years to fix error in my credit report. other companies like XXXX fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX XXXX Date:XXXX Bank : XXXX XXXX/ XXXX Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount : {$6300.00}
Product: Credit reporting or other personal consumer reports

Experian have failed to fulfil its legal obligation under the Fair Credit Regulations Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving unverified and inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and also failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items dispute the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to the CFPB regarding an AMERICAN EXPRESS account being reported on my consumer report. The CFPB rules state that the company must provide the steps they took to resolve the matter. AMERICAN EXPRESS simply stated that they sent a notice of validation to me. AMERICAN EXPRESS only sent statements, they did not send me what I requested according to UCC 9-210 ( Request for Accounting ), they did not send how my personal information was obtained, they did not send the initial contract that would showcase my acceptance of their services and lastly they did not send me a 1099-C as this account is being reported as a charge off on my consumer report. This account was not created by me and the proof of such is when they sent me a response to one of my notices and they had an address that is not my address and has never been my address. I have attached a duplicate copy of the AMERICAN EXPRESS letter that was forwarded to me after I reached out to them. On this letter you will see the date of the letter ( XX/XX/16 ) and you will see the incorrect address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX ( which explains why I never received this particular letter or any other correspondence they issued prior to me reaching out to them. )
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this description on consumerfinance.go so that others can learn from my XXXX XXXX XXXX XXXX Will take steps yes to your complaint to remove my personal informatior XXXX XXXX XXXX but XXXX XXXX still be able to identify me. 
XXXX Learn how it works. I consent to Replying XXXX XXXX  XXXX description after
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX Account XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both XXXX XXXX XXXX XXXX and Equifax..I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. 

After several disputes and attempts to certify and validate an alleged debt, XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.
Product: Checking or savings account

Ive been back and forth with cash app to get my direct deposit and account number so I can change my bank to my new account that I opened because they closed my account and they wont give me my info and I keep calling and they said they cant give me that information even though its my information. Now Im having to deal with them to get my money direct deposit to my new account. Im having my check on hold with social security because cash app wont give me this information. Its beyond ridiculous and frustrating how they are handling this. And they closed my account because I filed a dispute because someone used my account and I reported it to them to inform them what was going on and they said they closed it because of this disputes. So its okay for someone to use my account without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir / Madam, I understand that you had responded to the XXXX complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX XXXX XXXX  complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned XXXX complaint with this authorization. Best Regards, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX