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

In XX/XX/XXXX, I tried to open an account at a local bank for personal use. The bank clerk notified me that there was a profile already created with my SSN. The personal information associated to my SSN was not me nor anyone I knew. The clerk advised me to get a credit monitoring service in case this unknown person tries to use my information in a negative manner. 

In a panic, I sign up for Equifax ID Patrol Premier which is a Comprehensive Identity Threat Protection and Credit Monitoring service. The service is a monthly subscription of {$19.00}. My first payment was XX/XX/XXXX of {$19.00}. 

In XX/XX/XXXX, Equifax informed the nation that millions of consumers ' personal information was breached by hackers between XX/XX/XXXX and XX/XX/XXXX. They later admitted the number of affected consumers had increased. 

As instructed by Equifax, I went to their website to find out if I was affected by the breach. The website stated that I was possibly affected by the incident. I signed up for free credit monitoring service offered to affected consumers. A few weeks later, I was notified by Equifax that I would receive the XXXX XXXX XXXX  service for free for a year. 

Due to medical issues, I did not contact Equifax to inquire about my current monthly subscription for the ID Patrol Premier service until XX/XX/XXXX. I explained my situation to the first Equifax representative and asked her to explain the difference between the two services. After her explanation the services sounded very similar. I requested to cancel my monthly subscription and she did. I then asked her if I would be reimbursed for the previous months because 1 ) The country was receiving the same service for free while I was paying $ XXXX/month. Equifax did not notify their paid customers to ask if they wanted to continue this paid service. 2 ) When I came to Equifax to safeguard my information in XX/XX/XXXX, it was being hacked due to Equifax 's failure to fix known vulnerabilities with their IT systems.

The 1st representative could not help me with the reimbursement and transferred me to second representative. The second representative could not help me so I requested to speak with a supervisor. The supervisor said that it is company policy that a reimbursement can not be done on a monthly subscription. I stated that this is a special circumstance since the data breach should be an exception to this long standing policy. 

After asking to speak to someone that can assist me, she said there is no one higher than her and offered to provide the HQ mailing address to submit an inquiry. I declined the address and requested her name and badge information. Her name is XXXX, Badge #  XXXX, Nevada Office.
Product: Mortgage

I received a letter from CHASE notifying me that my home equity line of credit draw period was to end. It suggesting refinancing into a new home equity account and gave a number to call. I called XXXX/XXXX/16 at XXXX and spoke to someone whose name and NMLS ID I have. I gave him some information then and in follow-up and gave him permission to look up my credit score so that we could discuss whether or not it was likely I would qualify for a refinance. I did NOT formally apply for refinancing. I did not submit an application. I did not sign anything. He refused to return my calls when I tried to follow up. Yesterday ( XXXX/XXXX/16 ) I received a letter ( unsigned ) dated XXXX/XXXX/16 from CHASE telling me my application was denied. This is close to fraudulent to turn an invited inquiry over the phone into an " application '' that is then denied.
Product: Checking or savings account

On XX/XX/year> a fraudulent purchase was made on my XXXX XXXX account ( he is XXXX XXXXXXXX and I over see his SSI payment and other things ) for a dinning room suit the amount of {$370.00} on XX/XX/year> I noticed have his SSI payment was missing upon investigation I found out our XXXX account was hacked and said purchase was made, I contacted XXXX they started investigating the matter, on or about XX/XX/year> XXXX concluded it was indeed a theft or XXXX authorized purchase, since it was ordered and shipped it to a California address and California contact phone number and it was a XXXX party seller and my debit card was compromised as it was in saved. Payment method on said XXXX account I should contact direct express and they will refund said money, I contacted direct express informing them of unauthorized purchase, had my debit card deactivated and a new on mailed also started a fraudulent claim with direct express Im not sure on exact date I received a letter saying they denied my claim. On XX/XX/year> I reconnected with direct express and told them they made a mistake and I have proof of theft via XXXX fraudulent department email, they reopened claim I sent evidence XXXX provided yesterday on XX/XX/XXXX I received another letter stated direct express respectfully still denied claim
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00}
Product: Checking or savings account

I submitted two claims for a double transactions Wells Fargo, stating that the merchant had doubled charged my account. 
They submitted the claims with the information i provided but refused to immeadtely return the money -- once again stating that it would take another " 10 business days ''. 

I found that unacceptable.
Product: Debt collection

I received a letter in the mail from XXXX regarding a XXXX  visit back in XXXX relating to a workers comp case filed with my previous employer XXXX XXXX. I disputed the debt via email and never received word back. 

The visit was a result of a trip and fall during the course of a days work. I provided my jobs workers comp contact information at my XXXX Appointment and I followed up with that insurance ( XXXX ) to get the claim paid. Ultimately, I received no no contact back from XXXX. 

At the time I was also a XXXX XXXX recipient through New York State of Health. If there truly was a dispute with workers comp, I had multiple visits to XXXX under that insurance prior to XX/XX/XXXX so their billers should have been aware of my Medicaid eligibility. 

I am now receiving collection notices from Phoenix Financial Services who are attempting to collect a debt that I should not legally have been balance called for.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened an Aspire Credit Card in an effort to rebuild my credit. My credit limit was {$350.00}. On XX/XX/XXXX - I accidentally made a payment in real time when I wanted to make a post dated payment of {$250.00}. I immediately called the credit card company who told me unfortunately because it was made through my debit card they can not cancel the payment & the payment was posted. Just to give some context in a 1 month span I made several payments to this credit card which includes 1 {$100.00} payment then 1 {$50.00} payment in edition to {$250.00}. I called the credit card company because I noticed my credit limit was over the limit and my credit card was closed on XX/XX/XXXX because of this. I was concerned immediately because I was told on XX/XX/XXXX when I accidentally made the real time payment that there would be no implications if the payment was posted. I never recieved a call, a letter, anything to notify me my account was closed. I asked to be refunded the payments and annual fee I was charged after my account was closed. Then to my dismay I see a {$540.00} charge on my bank account. I never set up auto pay and was charged this amount. Now I owe over {$800.00} I looked at my statement and under purchases I see over {$1000.00} which is impossible when the card has been closed since XX/XX/XXXX- I am being hit with hefty fees. I hope to open a mortgage later this year and this is a huge hinderance. I have 1 collection account on my credit which I have settled and waiting for my pay to delete letter to be processed. This is a major headache, I have read this credit card company is known to prey on people with bad to fair credit and its very unfortunate.
Product: Debt collection

I was notified of an alleged debt that Enhanced Recovery Company say I owed I reached out to them and informed them that the alleged debt that they choose to report it unlawfully being reported this alleged debt was a repeat that I once disputed and and it was removed.. the original company XXXX did not have permissible purpose by law to report sell or furnish any of my private information to any third party agency by it being an collection the debt has been cancelled debt and now IRS looks at it as gross income and income is not apart of one consumer report, Cornell Law 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So this alleged debt that you are reporting is illegal and goes against Consumer Law, According to XXXX XXXX XXXX, they are not licensed to collect any alleged debts period in the state of Florida. This alleged debt is a repeat from another collection company and illegally being reported on my consumer report I notified them of this inaccurate information they are choosing to report and hope now you can step in to help matters more properly. I attached my dispute below
Product: Credit card or prepaid card

Sam 's Club is charging me for a bed I did not receive, it was ordered and cancelled before the order was shipped. They will not remove the charge.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

Dear sir, I have purchased a brand new XXXX model XXXX XXXX on XXXX and financed for 72 months. 71 months payments were made without a delay. The last payment was late because of the Covid-19 pandemic affected my finances.

I paid it off the remaining balance and brought the account to XXXX  balance and asked them to do a favor not to report the late payment to the credit bureaus. Instead, they reported, and I wrote them a letter asking to be easy to the customer who makes 71 payments without a delay. 
They did not remove the negative record. 
This record dropped my credit score 64 points at once. 
I feel like I was punished by being a customer in good standing 71 months. 
This is not fair, the pandemic affected lots of people and put them in a financial difficulty.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LexisNexis regarding their failure to delete incorrect information on my consumer report. Specifically, LexisNexis has continued to report a XXXX XXXX Bankruptcy that should not be present on my report. 

I have already provided LexisNexis with proof from the courthouse confirming that this bankruptcy is inaccurate and should not appear on my report. Despite this, LexisNexis has failed to remove the erroneous information. Instead, they responded by stating that they are disputing the information with XXXX. This response is unacceptable as the original source of the incorrect information is LexisNexis itself, which was then distributed to the credit bureaus, including XXXX. 

They are in violation of the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' It is my understanding that under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are obligated to ensure that the information they report is accurate and up-to-date. They are also required to conduct a reasonable investigation when a consumer disputes the accuracy of the information in their report. LexisNexis has not fulfilled these obligations. 

The continued presence of this incorrect bankruptcy on my report is causing significant harm to my creditworthiness and financial standing. I request that the CFPB take immediate action to ensure that LexisNexis deletes this inaccurate information from my report and confirms this deletion in writing. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name My only social security number is XXXX My only correct date of birth is XX/XX/1993 My only employer is XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Bank account or service

I made several purchases using my debit card. These were listed under my pending/on hold transactions. A couple days later, I had emergency brake work done on my car. This was after my other withdrawals. The brake work caused a slight overdraft ( which I expected ). A couple days later, I received overdraft charges on my account for XXXX items totalling 210.00 ( approx. XXXX of my paycheck ). These were all caused by the minor charges I had made previous to the brake work. In fact, the brake work was finally deducted four days after. I contacted customer service and asked for a supervisor. I spoke to a supervisor named XXXX who insisted that there was nothing he would do to help and basically insulted my intelligence. I was told that even though those charges were made previous to the large charge which caused this, that they were posted after the charge ( and while it in itself was still on hold and pending ).
Product: Checking or savings account

On XX/XX/XXXX, XXXX I visited the Wells Fargo XXXX XXXX XXXX & XXXX XXXX  in XXXX XXXX Pennsylvania XXXX My purpose for this visit was to submit XXXX savings  Bonds for redemption and deposit directly to my savings account at Wells Fargo. I was greeted by someone named XXXX. I submitted to her about XXXX savings certificates for calculating and processing. XXXX separated the bonds for counting and proceeded to input the interest and total value of each bond. When she finished the first larger batch she indicated for me to put my debit card into slot for processing to savings account. Which I did.. She repeated the process for the small amount of bonds ( about XXXX or XXXX ) and again asked me to submit my card so funds could be deposited to my savings. At no time did any cash exchange hands. At my request I asked for a receipt which she gave me. 
I assumed I would receive XXXX form on site but she told me that would be mailed to me-which it was about XXXX  months later. While comparing what was processed at the bank and what XXXX indicated I was very surprised and dismayed that there was a vast difference. The amount shown on the receipt XXXX had given me on the premises resembled nothng of what was on the XXXX statement. 
XXXXreceipt indicated that about XXXX bonds as " checks '' XXXXreceipt indicated that teller had entered XXXX bonds were of the same amount ( exactly ) XXXXreceipt inidcated at least XXXX bonds with the same amount ( exactly ) XXXX receipt indicated XXXX CASH paid to customer ( as stated, at no time did any funds exchange hands! yet XXXX listed " loose currency '' as {$2400.00} in XXXX dollar billsXXXX {$50.00} bill, ( XXXX ) XXXX bill and ( XXXX ) XXXX bill. As stated NO FUNDS Exchanged hands.-there was NO CASH ENTRY on my part. I was led to believe I was signing/depositng via debit card because of the redeemed cash values presented via bonds. I receved XXXX indication that interest on bonds was {$1500.00} and XXXX. However peculiar because the added " treasury note is listed total as XXXX which is only the interest paid out and not what was actually redeemed! As a XXXX  year consumer of Wells ( and it's prior names ) I am concerned about the documentation of : XXXXcalculations of submitted savings bonds XXXX entries made on my savings account for that period XXXX, the validty of the received XXXX XXXX the integrity of the person who handled transactions XXXX outcome of my income tax Sadly there is another occurence of this nature. I await for a plausible, truthful reply and/or corrections if necessary! 
Thank you in advance for refrring this to correct official.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rec 'd a Visa Debit Card from U. S. Bank ( U. S. Bank ReliaCard ) on XX/XX/2020. 

On XXXX, called U. S. Bank ReliaCard. They said they would put a block on the card number ( XXXX ). I then went to their www site and completed a form stating that I received a unrequested Visa U. S. Bank debit card with someone else 's name ( XXXX XXXX ) at my address. No one by that name ever lived at my address. I want my address removed from their files.
Product: Debt collection

I received a bill from this law firm from XXXX on XX/XX/2018. There seems to be no legal remedies for addressing to them to stop and they have violated the Fair Debt Collection Act by adding illegal interests to the original debt of {$200.00}. 

There is no state or federal laws that require me to pay them and I haven't had a trial or signed any contract telling me I am subject to pay them anything. 



I have complained about this same issue before with cfpb. A lawfirm has been hired to collect a debt for the city of XXXX. I have sent a legal letter to them back in the Spring when I got fined for a red camera issue. 

They will likely try to sue me or threaten to contact the State to revoke my license for non payment and many states and the Department of Justice has proven this behavior of debts illegal and unconstitutional.
Product: Mortgage

I have a conventional mortgage with NewRez ( formerly known as Shellpoint since XXXX  and have not been late one time with them ever. I was letting NewRez deduct {$1000.00} from my bank account bi-weekly which the monthly payment is {$2100.00} well I decided to make a couple of extra payments and noticed that the system would not let me so when I called to ask why I am unable to make additional payments the customer service representative told me its because you are set up on a biweekly payment plan so I cancelled allowing NewRez from deducting payments through my bank and set up to allow my bank to pay them directly. Well, they did not agree and called me over 10 times to change it after repeatedly telling them that I would like to go through my bank thats when all of a sudden every month I get late fees added. These people constantly call me 2 and 3 times a week asking if I would like to refinance. One guy called and said you have a boat load of equity in your home would you like to take out a HELOC and Im like no again. There are times where my bank will make the payment on Tuesday and the payment sits on the account unapplied for two weeks and thats after I have to call them. 
I am at a 2.875 % interest rate why would I go to 8.0 % it became so frustrating I asked them to stop calling me. Now the retaliation has started since I make payments through my bank and as a result, they get the payment 5 days earlier than they would if they deducted using their system. I feel that I am being harassed and they are part of the problem to the housing crisis-anything for {$1.00}. I feel I am being taken advantage of since I decided to pay through my bank and not use their outdated system which does not allow people to get ahead and make additional payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach that has led to identity theft. As a result, a fraudulent account has been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following unauthorized account from my credit report : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX XXXX Balance : {$730.00}
Product: Student loan

I have been paying XXXX XXXX XXXX dollars a month since XX/XX/XXXX ( XXXX for the first payment ) .The payments get taken out of my account by XXXX XXXX on the XX/XX/XXXXof each month. I have been worried where the money was going since nothing has changed with my loan status. Also, I had been deferred until XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX because the payment was taken out early. They told be not to worry because sometimes it happens with processing over weekends. I also asked what exactly my payments were going for. The lady told me the payments do not pay on my loan, but they are consolidation payments to be able to have my loans forgiven. I ended up being satisfied with that answer and haven't worried about the payments since. Now I get a letter on XX/XX/XXXX that was dated XX/XX/XXXX that the Federal Trade Commission has filed a lawsuit against XXXX XXXX for deceptive practices. I need to know if I cancel with them, do I get a full refund?
Product: Mortgage

I am one of the many VICTIMS of WELLS FARGO HOME MORTGAGE! 

This happened XXXX years ago when I tried XXXX over XXXX months to get XXXX  to modify my loan so I could remain in my home. 

They ignored me, then after over XXXX calls made me fill out the same financial justification documents over XXXX different times and ultimately never granted the loan modification. At that point, I was forced to sell my property at a steep loss ( ~ $ XXXX below what I paid XXXX  years prior ) due to the prevailing real estate market at the time. 

These criminals destroyed me financially! 

What remedy do I have?