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

Since the XXXX XXXX news of personal data at Equifax being hacked, I have been trying to obtain a credit freeze with the company. I was able to request similar credit freezes with XXXX and XXXX through web pages, in about 5 minutes each, but I am completely unable to get through to Equifax about a credit freeze -- on the web or by phone. 

First I tried the obvious site, www.freeze.equifax.com. I recorded name, address, birth date, and Social Security number on the first page, titled " Place, Temporarily Lift or Permanently Remove a Security Freeze. '' The second page that comes up is titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze '' -- but the only options all have to do with LIFTING a security freeze, NOT placing one. Thinking this was a website glitch, I kept trying the page on consecutive days for more than a week, but an option for placing a freeze has never appeared. I also tried two different browsers, but the result was the same. 

Today I decided to try calling Equifax since the website does n't work. I tried three different numbers, at which no one could help. Someone at the first number ( XXXX ) referred me to a second number ( XXXX ), which was a recorded message about requesting a credit report. A third number ( XXXX ) is only effective during business hours, so I 'll have to call back tomorrow. 

Meanwhile, I did have success with an Equifax site that allowed me to put basic data in and learn that I 'm probably not at risk -- but given my poor experience with customer service so far, I do n't believe I can trust that message. 

It almost seems as though Equifax is deliberately making it difficult for consumers to get any kind of help with security freezes... although, of course, it 's very easy to subscribe to their own credit monitoring plans. I feel as if I am being stonewalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is committing securities fraud and will not credit my account. I was sent a payment coupon/security by XXXX  XXXX, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and XXXX  XXXX Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. XXXX XXXX XXXX is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. XXXX XXXX XXXX remains to report fraudulent information to Experian and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of XXXX XXXX XXXX involved in the extension of credit, did XXXX XXXX XXXX lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did XXXX XXXX XXXX follow generally accepted accounting principles, XXXX? Yes or No? XXXX XXXX XXXX is making false statements and damaging my credit worthiness for no reason. I demand XXXX XXXX provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.
Product: Credit reporting or other personal consumer reports

A court order terminated child support as of XXXX XXXX, the Texas OAG kept claiming a debt, I technically over paid my obligations, and after 10 months of complaining of the notifications of payment, I went in with another copy of court certified copy of the court orders. Shortly later they reported I was 180 days past due, and all communication had stopped. When I called I was told it was a mistake and they would fix it, but when I asked for a follow up in email or writing, I received nothing. It has severely impacted my business, and personal life regarding loans, and my rates on existing debts increased.
Product: Checking or savings account

Im a partially XXXX, XXXX challenged, XXXX year-old customer of Truist Financial , and Ive been living on ~ {$800.00} a month in Supplemental Security Income ( SSI ) since XXXX. Im writing to complain about Truists administration of my checking account. 

On XX/XX/XXXX, I cashed check # XXXX for {$400.00} at the counter in their XXXX  XXXX XXXX location in XXXX  XXXX For some unexplained reason the check was reprocessed on XX/XX/XXXX, resulting in XXXX XXXX XXXX XXXX overdraft fees of {$36.00} each and an Image Research Fee of {$35.00} to determine that Truist processed the check tincorrectly. Thats {$210.00} that I was charged to me through no fault of my own. 

On XX/XX/XXXX, {$400.00} was mistakenly deposited in my Truist checking account ( # XXXX ), identified as XXXX XXXX : # XXXX. I dont know who made that deposit, nor was I expecting such a payment, yet it landed in my account. 

Since XXXX, Truist hasnt mailed printed statements to my home because my banking activity is so low. I can only check my bank activity online and I had no reason to expect a {$400.00} surplus. 

On XX/XX/XXXX, XXXX days before I was expecting my monthly SSI payment of {$840.00} Truist withdrew {$400.00} from my account, overdrawing my account by {$380.00}. 

Ive been disappointed with the banks service since BB & T merged with Sun Trust Bank  in XXXX and became Truist. 

If Truist was going to pull {$400.00} out of my account due to a mistaken deposit, I would have preferred to be put on a payment plan. I could afforded {$100.00} per month from XXXX until XXXX but {$400.00} was too much considering that I have to pay {$300.00} in rent each month and other obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX 2. Date of false reporting starts almost 4 years ( XXXXXXXX XXXX ). Its still reoccurring to this day. 
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since chexsystems isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at XXXX. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, XXXX  bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by chexsystems. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there bs off in first place. Im sending with this report my bank statement who issued check directly to XXXX XXXX. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that XXXX received check.
Product: Checking or savings account

US bank has taken many illegal overdraft fees from me. I have called them multiple times about this issue and nobody cares. I have multiple peers with the same issue, and they all have closed down their US bank accounts because of both my experience and their experiences. US bank purposely withholds funds from going through and doesn't properly show the correct banking balance in order to charge overdraft fees. I have the setting turned on to prevent this. They also wouldn't allow me to turn off a setting that transferred {$100.00} each week when I continuously turned it off. It would send my account into the negatives on purpose. US bank targets young college aged students because they think we are stupid, but evident illegal tactics are being involved. This illegal tactic has taken over {$1000.00} from me and they won't allow me to close down my account and file a settlement. I will continue to tell people to leave US bank to protect their funds until my problem is solved. All I know is I do not have the same problem with XXXX XXXX XXXX, they are a fair bank and way better than US bank who likes to cheat their customers out of money during COVID when everyone is already struggling financially. It makes me sick.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My regular payment history doesn't align with these late payments.
Product: Mortgage

I received an insurance reimbursement claim check in the amount of {$48000.00} from XXXX XXXX for Hurricane Irma damage. Summary of Loss Roof {$51000.00} and {$2800.00}. interior repairs less deductible of {$5800.00}. The check is made payable to myself, the adjuster, and Regions Bank. The adjuster and I went to Regions Bank at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX on XXXX/XXXX/2020. We have them the claim report and attorney loss settlement communication including the insurance company breakdown of the reimbursement, the roof replacement contract including paid summary and release of lien. The rep that addressed our need XXXX XXXX indicated that an inspector would call in a few days and that once the inspector came to the home, I could return to have the check endorsed. On XX/XX/2020 I emailed XXXX XXXX to follow-up and never received a response. I then sent a message to Regions via my online banking and received a response to call the branch. I never received a call back from XXXX XXXX. I called Regions XXXX to follow-up and on XX/XX/2020 I emailed Customer Service at XXXX the settlement letter explaining that it was the only documentation provided by XXXX XXXX. I also sent them all of the receipts of the repairs that were done. I called XX/XX/2020 and Regions said they would review. I called XX/XX/2020 and again XX/XX/2020 when XXXX said I would hear back from an inspector within three days. I called again Tuesday XX/XX/2020 when XXXX referred me to a supervisor who called back and again said they needed the detailed settlement. He apologized that Regions was using a new system and they were having computer issues with system failures. After a long talk, finally they he said that an inspector will call within three days. Since I have provided proof of payment for a roof replacement and that is the bulk of the reimbursement and only {$2800.00} is for the interior work, I sent pictures of the interior work to Regions. This morning I called Regions again and they said that because of the holiday it may take more than 3 days for an inspector to call to schedule the appointment. I believe that it should not take a month for Regions to contact me for an inspection. They have proof of payment, invoices from the contractors, and claim settlement from XXXX XXXX. My HELOC account is current and I have not been late since inception. Payments are deducted from my Regions checking account. All payments to the roofing company and contractors have been through my Regions bank account. My HELOC  with Region Bank ( XXXX Florida ).
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In Accordance with the Fair Credit Reporting Act XXXX  this account below has violated my rights according to 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 an account without my written instructions. 

Account NamXXXX : XXXX XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Checking or savings account

Funds received into bank of america XXXX XXXX  I was ask to pay transfer fees I did so the ceo of bank of america is still holding my funds I have paid all fees for transfer also for XXXX XXXX  for the funds they refuse to pay me I have statment of account and proof of funds tell them pay me all fees for transfer have been paid
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian continued to report XXXX XXXX without proper investigation into the fraudulent opening of the account. It was reported as opened without authorization and charges was made on the account without consent. XXXX was notified and did not lawfully investigate the account or allegations of fraud. They didnt do a thorough investigation but asking personal family friends, neighbors, and only used information that was obtained by their own company and it is against federal law to not perform the investigation properly and lawful. And they cant use data information furnished by their own company
Product: Credit reporting or other personal consumer reports

There's no date or amount showing on my credit report. It's showing that both accounts are in collections on my credit report.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my report that I did not consent to or benefit from. I do not recognize any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint w/ the CFPB due to unlawful, inaccurate inquiries are on my XXXX and Transunion credit report that I don't recognize and need to be deleted.. They are a direct violation of the FCRA and my federally protected consumer rights..I informed XXXX, Transunion XXXX and XXXX about the unlawful inquiries on all 3 credit reports and only XXXX did a proper investigation and found the truth.. XXXX honorably and promptly Deleted all the unlawful inquiries off my XXXX credit!! However Transunion and XXXX has ignored the truth and continued to intentionally & unlawfully list these inquiries on my credit and ruin my credit and my life!! 
Transunion, XXXX and XXXX XXXX  XXXX XXXX needs to be punished if they don't delete these inquiries off of my credit right now! PLEASE SEE XXXX '' S ( XX/XX/20 ) FINDINGS TO THIS COMPLAINT.. Thank you in advance for your help.. 

XXXX XXXX XXXX
Product: Mortgage

Rather than paying my mortgage once a month, I'm attempting to pay a partial payment every two weeks. With this process, every monthly payment would be paid in full and on time. This process benefits me in that by the end of a year, I'll have paid one extra payment, paying down my loan faster. It additionally decreases interest faster. 

The company, Midland Mortgage, however will not allow me to make partial payments via phone or their website. They only allow me to mail a payment ( no one uses checks anymore ) and even then it will be put in an 'unapplied funds ' account, therefore eliminating the benefits to me listed above. 

Making this process difficult benefits them and hinders me, the customer, from getting ahead financially.
Product: Student loan

I have to call monthly to have my loans placed in a status of in school deferment. This organization does every thing possible to attempt to collect even false statements. It is difficult enough to complete classes without having to worry about an organization looking for a way to extort funds from students, they will add fees to this when it should be in deferment, lying stating that the school shows me to have withdrawn, and any other method I am sure I have n't seen yet. if this is happening to me then I know it is happening to thousands of others. Their authorization for this service should be removed for service of any student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

so i contacted this company about my credity report having false and misleading information on it and not only is the false items still on my report but also they have yet to respond to me and it has been like over XXXX  months. I dont know whatg i am supose to do if i have already wrote them and didnt get anything back.
Product: Credit reporting or other personal consumer reports

Several inquiries are outdated and should be removed. I have reached out to the creditor 's to have this matter handle. Many have caused a lot of harm to my credit report. Due to cash app leaked information I assume my identification XXXX have been stolen.
Product: Checking or savings account

I am deeply disappointed and disturbed by the experience I had with Wells Fargo on XX/XX/2023. I visited a branch to close my checking account due to suspicions of fraud. The banker assured me that by opening a new account, my financial information would be secure. However, this morning, on XX/XX/2023, a previously authorized payment was deducted from my new account without my consent. I had not communicated any account changes to my merchants. 

Upon contacting Wells Fargo customer service, I was informed that they had merely placed the account on hold, and it had not been closed as I requested. It was only after speaking with a manager that I was informed that the account is now officially closed, and there is no 90-day waiting period for account closure. 

I find it utterly unacceptable that Wells Fargo allowed my new account to be debited without authorization and failed to disclose that my previous account 's automatic transfers would continue. It is evident that the banker intentionally manipulated this situation to avoid having an account closure on her record, while also benefiting from opening a new one. 

This experience reflects a serious lapse in professionalism and integrity, and it has left me deeply dissatisfied with Wells Fargo 's handling of my financial affairs. I expect a thorough investigation into this matter and a prompt resolution to rectify the damage caused by this incident.
Product: Consumer Loan

I pulled my annual credit report and found a car loan from Santander Consumer USA, which I have never obtained. This account has created a negative impact on my report and reflects payments that were late. This information is extremely injurious to the character of my creditworthiness. I 've disputed this with the Credit Reporting Agency ( XXXX ). However, I feel that I needed to file a complaint, as this sort of business practice is fraudulent to say the least. The placing of a frivolous account, name variation and an associated social security number on one 's credit report, MY CREDIT REPORT, is a direct violation of the " Furnishers Rule '', as well as FDCPA violations and must be address expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, XXXX  and Experian and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >