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

On or about XXXX, I requested my " Free '' annual credit report from " XXXX '' and they mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX with in approximately 2 weeks. My " XXXX '' FICA score is " XXXX. '' On or about XXXX, I requested my " Free '' annual credit report from " XXXX '' and they mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX within approximately 2 weeks. My " XXXX '' FICA score is : " XXXX. '' On or about XXXX, I requested my " Free '' annual credit report from " Equifax '' and they STILL have NOT mailed it to me at my home address ( where I have a 30 year mortgage at ) located at : XXXX XXXX XXXX ; XXXX, California ; XXXX. Instead, " Equifax '' mailed me a letter dated " XX/XX/2023 '' to my home address located at : XXXX XXXX XXXX ; XXXX, California ; XXXX instructing me to mail back to " Equifax '' a " copy of my current/valid California driver 's license '' that has my XXXX XXXX XXXX XXXX XXXX CA ; XXXX as my legal California address . And I did so along with my latest " pay stub '' that only listed my " last 4 digits '' of my Social Security Number ( per " Equifax '' additional request ) and I mailed back those 2 requested items back to " Equifax '' the following day. And I STILL have NOT received my " Free '' annual credit report from " Equifax ''!!! But yesterday ( XX/XX/2023 ) I did receive the EXACT SAME LETTER from " Equifax '' ( this one dated " XX/XX/2023 '' ) requesting the SAME TWO items that I had previously mailed to " Equifax ''!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and North American Recover are double reporting a debt on my credit file that needs to be removed. I recently looked at my credit file and noticed that they are both reporting a repo on my credit. This is a violation under the FCRA and the FDCPA which they are both regulated under. This needs to be resolved immediatley. I am aware that they report to the bureaus as they deem necessary and I ask that they report within guidelines and discontinue double reporting a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports.

In accordance with the written instructions of the consumer to whom it relates Please remove
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

I am finding it impossible to stop wage garnishment. no one will help me. I get the run around when I call, and now I am being told that if I want to stop it, I am being told to call one number, then another, and then another, and now that I have to go to the courthouse.
Product: Checking or savings account

I received surprise email on the morning of XX/XX/XXXX stating that my Citibank accelerated savings account will be closed within 60 days, and there were no prior emails, texts, or calls notifying me of this. My account was locked and my debit card rendered useless, and all I was told by the 6 customer service people ( one who hung up on me ), was the vague language in the email, which stated that I would receive a letter in the mail stating what the issue was, and that I would not have access to my money for up to 60 days, and that it would be mailed to me! 
Since customer service wouldn't even tell me the reason why my account was closed, or if my address was up-to-date for the check to be mailed to, I had to search for a physical Citibank branch in another state. After 2 more calls, I finally got some minor info that there was a fraudulent charge, confirmation that Citibank sent XXXX notifications to me prior to the email, I still had money in my account ( phew!! ) and that it could take up to 90 days to access my funds!! 

I have had a Citibank account since XX/XX/XXXX, and have all of my emergency fund savings in that account and had no plans to close it, but after this experience, no guarantee that I will have access to my life savings ( thank goodness I have another bank or how would I pay my bills?? ), and probably a black mark on my banking records, Citibank will be losing a customer.
Product: Checking or savings account

SOFI banking closed my account XXXX XXXX between XXXX XXXX  2024 SOFI locked my account simultaneously I was going through a natural disasters in Texas I could not fully monitor my account which resulted in a merchant over charged my account of XXXX I started a dispute with SOFI after they closed my account XX/XX/XXXX XXXX SOFI blocks any from accessing prior statements in your account so you cab not properly dispute any transactions.. I started a dispute for XXXX not knowing the merchant over charged XXXX sofi provided me check XXXX before I received the check I received an email from so far stating that they have stopped on my check in order for me to verify my address which is odd is because I've already had account with Sofi so if I has my updated information I have listed the conversations below you will see I did not think the representatives was really serious about canceling my check when I go to cash my check after receiving it via postal mail I received a call 3 days after cashing my check at a local check cashing place the manager of that store told me that sofi put a stop payment on that check now I owe that check cashing place {$1000.00} because it's so fast outrageous and accurate information there was no reason why that check should have been stopped so far says they do not have the power to stop a payment check but clearly they do inside the conversations that have provided below so far has not refunding me for corrected amount of {$3000.00} I already had to pay back the check cashing place {$1000.00} or I would add criminal charges pressed against me because so far the place they stop payment on a check that I've already cashed from sofi still have not received any of my money yet I'm just left wondering what should I do I have a dispute going on but I have not received it dime from sofi
Product: Debt collection

Delete those late dates now! The bureau and the furnisher have ignored my requests to fix this inaccurate reporting. I've followed FCRA procedures, but the information remains unverified and incomplete, violating my rights. Take immediate action, remove the late dates, and confirm in writing no more excuses! XXXX XXXX XXXX and XXXX XXXX XXXX. Also, get that fake bankruptcy off my credit report now! I've never been to court, and there's no judgment against me. Remove it immediately, or my attorney will file a federal case against you within 30 days no more delays! Take this seriously and fix it now! US BKPT CT CA XXXX XXXX XXXX Filed on XX/XX/year>.
Product: Consumer Loan

On XX/XX/XXXX my lease for my XX/XX/XXXX XXXX is completed. I am going through personal health issues with XXXX, my husband and I thought that the best thing right now is to keep the SUV and fiance the remaining balance. I will be XXXX % honest that some payments were late, but I never had any repocession and I always caught up. This was do to me being ill. Not because we did not want to pay. On Toyota 's side and what they reported to credit agency 's is inaccurate. I tried XXXX times to straighten out with Toyota and dealership. Neither helped. I then have been contacted by both the dealership and Toyota of my expiring lease and what my next step is. I emailed the dealer telling them what my current situation was pertaining to car and health. Because Toyota destroyed my credit - I had to get a co-signer. I had the proper co-signer, more then sufficient income XXXX {$1500.00} a week via spouse ) and that I would be able to put a down payment. Toyota refused. They caused the issue by not reporting properly or every time I faxed ALL their XXXX logs from my credit union magically never got. I have been called a deadbeat by a XXXX XXXX XXXX agent - then Toyota paid ME {$100.00} in good will via claim filed through CFPB. The dealership promised I would get approved no worries. Now not the case and have ignored me since. I have been approved through XXXX other dealership ( XXXX and XXXX ). Now I am in a position health wise I have been given XXXX months to a year to which Toyota was informed. Still did not matter. I have tried XXXX times to correct situation. Now I will be with out a car. This all transpired over XXXX - when I really should have devoted my time to my XXXX children and spouse. I attached texts from dealership saying " Do not worry it will get handled ) .... The new fiance XXXX I am dealing with his very assitant has and is having same issues with Toyota. I have texts from that as well.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX The financial institution and the consumer reporting agencies XXXX and Experian DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to XXXX, Experian or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. 
ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law.

15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time.

" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Product: Debt collection

On XX/XX/XXXX, I received notice that a collection had been added to my credit report by the Revenue Group, attempting to collect a {$170.00} debt to XXXX  XXXX. I had never been billed for this amount by XXXX. 

I immediately called XXXX  XXXX ' billing department, who found there had been an error and said they they had indeed never billed me for that service. The representative said that she would issue me a bill and retract the collection from The Revenue Group. 

Two months later, I have still never received a bill from XXXX  XXXX, and the collections account is still open. It is not right for XXXX to send me to collections for a bill they never sent me. I am happy to pay any debt I actually owe, but I have not seen any proof as to the validity of this claim. 

I filed a dispute through XXXX  on XX/XX/XXXX, and today ( XX/XX/XXXX ) I received notification that they have verified the debt with the debtor. 

In general, XXXX  XXXX make it very difficult for patients to understand what bills they owe. There is no way to view outstanding charges on your account unless you receive a paper bill in the mail or speak with someone on the phone. This process is highly unsatisfactory and penalizes the consumer when XXXX makes mistakes, such as when they fail to actually mail a bill.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by TRANSUNION, XXXX the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate.

- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report. Request : I request the CFPB to : 1. Investigate this matter
and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports. 3. Remove any negative marks associated with the dis
puted account.

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information. 
- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because Equifax will not resolve my issue period, I called Equifax about 10 inquiries on my credit report that they will not remove, these inquiries are fraud I want them removed, I have a monitoring product and ask them to do the job also that failed Im going to cancel that product soon, Im out of work, these inquiries belongs to car dealerships I cant buy a car if Im not working so Im asking Equifax to remove these fraudulent inquiries but please do not put any fraud alert on my credit file, I will continue to file complaints if these are bot removed from my report.
Product: Checking or savings account

My complaint is with my Business Checking account with Bank of America. My business account has experienced fraud on the account. A number of fraudulent checks have been cashed against my account. I have caught all except 4 within Bank of America 24 hour notification window. The 4 checks in question are : {$50000.00} cashed on XX/XX/22, {$17000.00} cashed XX/XX/22 {$14000.00} cashed XX/XX/22 {$9400.00} cashed XX/XX/22 All four were reported to Bank of America on XX/XX/22 Fraud Initiation number XXXX XXXX XXXXXXXX On XX/XX/22 Bank of America responded that they are not responsible for our loss. We responded that we did not agree and are going through the procedures to see how we can get our money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Trying to refinance or streamline present mortgage. Have low credit scores and several companies trying to " assist ''. XXXX XXXX from Global Equity Finance , Inc contacted us and said they can assist ... records I have begin on XX/XX/XXXX. Spoke with XXXX a week ago and said he just needed records of payments to XXXX which I sent. At that time he said loan was to close at the end of this month. I tried to call Monday, XX/XX/XXXX and the phone had a message that XXXX was out of the office. I tried to call XXXX and Global Equity today XX/XX/XXXXand both numbers were not working. 
Contacted the FTC who advised me to contact XXXX XXXX and put a 90 day fraud alert on the credit report and requested I put a monitor on the accounts which I did, hesitantly. 

Prior to sending payment record from XXXX I submitted all credit information via fax, email and telephone.
Product: Credit reporting or other personal consumer reports

Checkr background services are reporting an invalid background check, causing me to lose wages and a job. Checkr shows points on my background check from a traffic violation in the state of XXXX XXXX. When contacting XXXX directly, the adjudications, XXXX, and points hearing departments all state this background check is invalid and should be updated. I filed a dispute directly with Checkr and there is no update made on their end. It is causing me lost wages and I am unable to provide for myself due to their inaccuracies.
Product: Payday loan, title loan, or personal loan

I Who bank information has been leaked by the bank, was trying to get a debt consolidation loan. not only washtingn state XXXX, so did XXXX Washington state. before i even get in the bank people is calling out my info, not the bankers the customers. when i applied for credit card that said i did qualified for it and now 2 months later they wet fro XXXX to XXXX  unless one of te bankers lied. said i qualified for it. on day f application a XXXX and banker saying XXXX word and banker said don worry we wont him get it, we trying to start a race war with him. red line. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX wa us bank mortgage. then yall keep locking my account for no reason so i wont make payments despite meeting the standard ad requirements they denied me cause of my real XXXX not XXXX op XXXX race. 

i know y'all XXXX XXXX XXXX claim y'all want war but y'all need to feed nd absorption profile my system first. that a simple fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2023. I am trying to unfreeze my credit report with Experian. I called the number for Experian XXXX XXXX XXXX and provided the information requested. When the prompts asked for a pin, I indicated that I didn't have it. I then asked to speak to a representative. Instead the prompts switch from XXXX to XXXX without any explanation, I have had the calls terminated, I have been offered an option to recover my pin with help from the voice on the line and then had the call terminated. I have made at least eight calls. Finally I spoke with a representative who told me that she could help me recover my pin by asking four questions. I answered them satisfactorily and she then assured me that she had unfrozen my credit report. I then called XXXX XXXX XXXX where my husband was applying for a XXXX card and spoke with the representative who tried to access my credit report and said that is was still listed as frozen. 

So I started the whole process again and after many many delays and frustrating interactions with the voice prompts I spoke with a second representative who assured me that my credit report was unfrozen. 

I told the second representative that I wanted a customer service number to call so that I could complain and try to assure that my account was unfrozen. She gave me the number XXXX XXXX XXXX, which offered the same prompts that the number shown above provided. No such thing as customer service was offered. Once again the prompts switched from XXXX to XXXX and then the calls were terminated. The second representative also gave me a number XXXX XXXX XXXX which is supposed to be the number for credit card companies to use. I called the credit card company again, ( XXXX through XXXX XXXX XXXX ) but the company refused to try that number saying that they do not make calls to Experian. I called the number and was routed again to the same voice prompts that I had experienced previously. Obviously this is a number designed to funnel calls to the voice activated system and to deny access to an actual person who could help. 

Next I tried the website. It asked me to verify my cell phone number and then it rejected the number. Next it rejected my home number and my husband 's cell phone number. It again requested the pin. I can not locate the pin since it has been several years since I requested the freeze as a result of security breaches. 

I know it is my fault that I can't find the pin but there should be some method for recovering it and allowing access to my credit information to reputable businesses. 

I am extremely worried that I may never be able to get credit again because I can not unfreeze my credit report ( which is excellent ). I can not connect with anyone at Experian. I need help. I will never deal with this company again.