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

For whatever ostensible reasons, Equifax consistently will block me from accessing my online account. It's impossible to get thru to a representative to discuss. All I get are a bunch of questions that I a swear only to be told that I've answered incorrectly. The irony is that it happens arbitrarily. I had recent performed a temporary freeze lift but today I attempted again and was blocked online to do so. They provided a number for me to call but the verification questions I answered still kept me blocked. I only go thru this with Equifax as I have no problems with XXXX or XXXX. There was one time when it started several years back where the had no reporting for my account. I submitted my identification via mail and it somehow reappeared. Today, again, they requested my identification via mail only to disconnect me when the instructions for what verification documents are required. Most creditors don't even use them so I'm clueless as to their actual purpose.
Product: Mortgage

I applied for a loan with AmeriSave so I could get a pre-qual letter as an adjunct while I looked for a home to buy. I was applying for a 30 year fixed rate mortgage loan. I was contacted by AmeriSave Loan Agent, XXXX XXXX. There was a problem at first when my credit was requested from the Credit Bureau 's. My credit which is excellent, but it came back in my old name only. I had a legal name change in XXXX XXXX. I was not sure if that would be a deterrent to getting a home loan and the loan officer was not sure either. The loan Officer stated that she was checking with her Supervisor about it and would get back to me. In the meantime she informed me that I needed to submit certain paperwork. On XXXX XXXX, XXXX, a day after the paperwork was requested, I mailed all the paperwork to them with the exception of my bank information which I wanted to wait on submitting until I was sure the name change was not going to be a problem. I then had to go out of State to attend my Mother 's funeral. By XXXX XXXX, XXXX, I had not heard back from AmeriSave so I emailed XXXX XXXX to ask if they had received my paperwork and how things were going with my name change information. She replied a day or so later, stating that I needed to go into the portal and check it out. When I checked in the portal, it stated that my paperwork had not been received/entered. I checked again, and again, still no paperwork was noted in their system. I tried a couple of times to contact her by phone regarding the missing paperwork, but received no reply 's from her. On XXXX XXXX, XXXX, I emailed XXXX XXXX, XXXX 's supervisor regarding the situation. I also requested that my paperwork be sent back to me. I did not hear from him. Finally XXXX weeks later on XXXX XXXX, XXXX, I emailed their customer service department about the situation. On XXXX XXXX I still had not heard back from anyone so I sent another email to AmeriSave Customer Service Department. 
I am very concerned about having my paperwork out there somewhere unknown. It has information that I would not want in the wrong hands. I have not been able to obtain a response from AmeriSave to date. I do not wish to pursue a loan application with them after this situation, I just want my paperwork returned safely. 

I do not know what the problem is exactly, but I can not work with XXXX XXXX. I find her unprofessional at best. Is there a reason I ca n't work with you on this? I felt comfortable working with you and would like to have you as the loan agent. If this is not possible, I am thinking seriously of not going through Amerisave for a home loan, in which case I would request my packet of information that I mailed to Amerisave be sent back to me.
Product: Student loan

Great Lakes Student Loan would like to resolve this matter by the creditor having to cease and desist any further collection of any alleged debts they claim I owe. According to the Fair debt collection practice act and the section 609 law, they don't have the right to collect the debt without providing me with my original instrument of INDEBTEDNESS. Therefore all those items in dispute must cease and desist immediately! 
Also I expect the credit bureaus to remove those items from my credit report immediately, or I would like to proceed with a litigation process immediately against them.
Product: Mortgage

SunTrust took over the Mortgage Servicing of my mortgage in XXXX 2015. I got my first notice from SunTrust on XXXX XXXX, 2015, ( attached ). The previous mortgage servicer sent me partial information on the transfer before that. SunTrust also sent me a statement dated XXXX XXXX, 2015 stating I was Past Due {$570.00}, apparently for the XXXX XXXX payment. They said I needed to pay {$1100.00} to bring the mortgage current. I have no idea how they got that unless they were trying to collect the XXXX payment 29 days in advance. 

I use an automatic Billpayer system for all my bills. SunTrust gets a check each month from my credit union. I 'm not sure why but unlike most of my other XXXX mortgages, so far the credit union is mailing vs. sending the payment electronically. It appears it is taking SunTrust 7-8 calendar days from the time the payment is mailed until they receive, process and post it. 

As a result of this, while they are slowly processing payments, their computer starts making robo-calls to my home phone. Having received XXXX today, I got my recorder out and answered the third XXXX since my credit union shows the payment was sent on XXXX XXXX, see statement attached. 

Eventually XXXX joined the call and I was told the call was being recorded for quality purposes. I told her that they were not authorized to make robo-calls and/or auto-dial me with a computer and to take me off that list. I 'm not she responded to that. She asked for more identifying information, my phone number, other phone numbers, etc. Eventually I told her I was recording the conversation too. At that point she told me I did n't have her permission to record the call. I told her they did n't ask for my permission when I was told they were recording the call so what did it matter. She said she could n't talk with me or something to that effect and hung up.
Product: Credit reporting or other personal consumer reports

Experian was asked to remove incorrect information from my credit file. There has been no response from Experian for over 90 days. The Fair Credit Reporting law allows for 30 days. Also the incorrect information is still on my credit file and has not been removed as requested.
Product: Debt collection

As far as I comprehend, FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind examining the documents? It appears that there are inaccuracies in some of the listed accounts, which is causing me some discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

By definition Experian has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only has Experian taken extraordinary lengths of time, beyond the FCRA requirements of 30 days, to dispute results on my credit report, they are making any sort of dispute on the report nearly impossible to carry out. When I call the XXXX number, unlike most consumers, who have opportunity to dispute issue with a general rep, Experian makes me ( XXXX military vet ) have to take extra steps to rectify my problem. I have to call a special phone number with very limited hours to dispute anything. Experian calls this the consumer advocate team. This team makes consumers who complain to CFPB, go extra lengths to dispute because they are considered problem customers, so they make it more difficult for them to dispute. Experian is not only taking advantage, scamming consumers but they are committing fraud against military vets, both disabled and able bodied alike. 

- They are making accounts reappear after they are removed from the account. 

- XXXX XXXX, balance - {$31000.00} was removed and reappeared - XXXX - Closed account, listed as fraudulent account that was removed months ago and reappeared again ( {$410.00} balance ) - XXXX - current, XXXX balance, never late - Placed XXXX  credit card on my report with a XXXX balance, that was allegedly open on XX/XX/XXXX, with a {$400.00} dollar credit limit. I have an account with target, a retail credit card with a {$200.00} dollar limit, XXXX balance, current, never late, opened on XX/XX/XXXX THESE ACCOUNTS DISAPPEARED REGARDLESS OF BEING POSITIVE. EXPERIAN GOING OUT OF THEIR WAY TO DELETE POSITIVE INFO XXXX  Personal Line of Credit Credit Limit {$10000.00} Open Account Never Late Opened - XX/XX/XXXX Balance - {$0.00} Account # XXXX XXXX XXXX XXXX Credit Card ( revolving credit ) Credit Limit - {$25000.00} Open Account Never Late Balance - {$0.00} Account # XXXX XXXXXXXX XXXX XXXX Credit Card ( DO NOT CONFUSE THIS WITH THE XXXX   CREDIT CARD THAT WAS RECENTLY DELETED WITH A {$490.00} BALANCE ) THIS ACCOUNT HAS A {$0.00} BALANCE CREDIT LIMIT {$200.00} OPEN - XX/XX/XXXX REVOLVING CC RETAIL CREDIT CARD {$0.00} BALANCE NEVER LATE OPEN ACCOUNT XXXX CREDIT CARD CREDIT LIMIT- {$500.00} NEVER LATE OPEN REVOLVING CREDIT CARD XXXX XXXX XXXX XXXX  CARD OPEN ACCOUNT - XX/XX/XXXX XXXX CREDIT LIMIT CREDIT LIMIT HIGH - XXXX XXXX BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax, and XXXX regarding fraudulent inquiries on my credit report I sent equifax and XXXX copies of my identity theft report But still the fraudulent information remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a quote from XXXX  for my roof. 
I told them I was going to pay cash. 
They pulled a hard inquiry without my approval. 
They never told me they would pull my credit. 
They pulled my credit and now I have an account with Synchrony Bank. It's open but not being used. I dont even have access to it. They pulled my credit and my credit score went down. They opened up a new account that I did not want or need. I am afraid to reach out to my XXXX representative because he is scary. I am not going to reach out to this company because they know where I live. I ended up cancelling the job because they were charging me double compared to XXXX XXXX and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. XXXX XXXX XXXX NEVEDA please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres no way to contact TransUnion or XXXX unless you sign up for their credit monitoring service, both of which are useless. 

Back in XX/XX/2021, we had to buy a new heat/ac unit for {$6500.00}. XXXX XXXX gave us a 0 % interest 60 month credit card account. The payment is drafted each month. TransUnion and XXXX lowered our credit score XXXX points. 

We just refinanced our home on XX/XX/2021 for {$340000.00}. This lowered our interest rate 75 basis points to 1.75 % and lowered our payoff by 8 years. TransUnion and XXXX lowered our credit score XXXX points. 

XXXX XXXX reported l missed a payment, 3 years ago, when it was actually their fault. Posted to wrong account. XXXX XXXX corrected it and notified TransUnion and XXXX. They lowered my credit score XXXX points, no explanation as to why. Should have increased. 

We just paid off 3 loans totaling {$37000.00}, no change noted in credit score by TransUnion or XXXX, should have increase. 

Ive tried for 6 days to contact TransUnion through there 800 number, a complete waste of time. All you get is a recording and youre caught in a loop going no where. 

Im a retired XXXX XXXX XXXX XXXX and realize TransUnion and XXXX are not properly reporting or responding to consumer complaints. 

Thanks for your time, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

am writing to file a formal complaint against Lane Bryant, a retail company, regarding their persistent and intrusive phone calls, which I believe violate consumer rights and privacy regulations. I am seeking the assistance of the Consumer Protection Bureau to address this matter. 

For the past several weeks, I have been subjected to relentless and untimely phone calls from Lane Bryant representatives. These calls occur at highly inappropriate hours, including late evenings and weekends, disrupting my personal life and causing significant distress. 

I want to emphasize that I have neither solicited nor given my consent for these calls. The continuous invasion of my privacy and the disregard for my right to peace and quiet are not only unacceptable but also raise serious concerns about Lane Bryant 's business practices. 

Despite my attempts to address this issue directly with Lane Bryant 's customer service, the calls have persisted, and the problem remains unresolved. Therefore, I believe it is necessary to escalate this matter to the Consumer Protection Bureau to ensure my rights as a consumer are upheld and that Lane Bryant is held accountable for its actions. 

I kindly request that the Consumer Protection Bureau thoroughly investigates this complaint and takes appropriate action against Lane Bryant if violations of consumer protection laws are found. I believe it is crucial to protect consumers from unwarranted intrusions and to ensure that companies like Lane Bryant adhere to established regulations. 

Enclosed with this email, please find evidence of the repeated calls, including call logs and any written communication with Lane Bryant regarding this issue. 

I appreciate your prompt attention to this matter, and I trust that the Consumer Protection Bureau will work diligently to address this complaint and help ensure that my rights as a consumer are upheld. 

Thank you for your assistance in resolving this issue. 


I included sample days of inappropriate times called and numerous times.
Product: Checking or savings account

Wells Fargo has consistently charged overdraft fees on items that they pay when there is insufficient funds in the account to cover the item that was submitted. I have repeatedly asked Wells Fargo to stop paying items when there isnt sufficient funds to cover the item. This time Wells Fargo paid 6 items that were presented as automatic payments, overdrew the account and then charged me {$35.00} overdraft fees 6 times. If this isnt abusive practices I dont know what is. These overdrafts occurred on XX/XX/XXXX through XX/XX/.
Product: Debt collection

I had a medical bill that the provider has not bill my insurance till XX/XX/XXXX for the service that was given to me XX/XX/2015.They send it yo collection agency while I was telling them to bill my insurance .After they recieved a payment from insurance, They are still asking me to pay a full balance
Product: Credit reporting, credit repair services, or other personal consumer reports

hi I was unable to understand how this could be a true relivance in my life at the moment never could anything llike this could be so relivent I paid the entire balliance off and surpassed the time frame in which I would be an individual whome could of been burdend by any suspicion im un aware of the way this came about.
Product: Debt collection

XXXX XXXX is reporting a debt for {$880.00} on my credit report. This debt was resolved with the original creditor years ago. I have notified XXXX XXXX of this fact, and also disputed the account with XXXX, XXXX, or XXXX XXXX. Unfortunately, XXXX XXXX does not allow the credit bureaus to delete or properly update the account.
Product: Checking or savings account

Reference # XXXX I own a Media Production company called XXXX XXXX XXXX  and XXXX XX/XX/XXXX my company was contracted to do a project with an artist/visionary represented by a major media corporation. The job required that I sign an XXXX to not disclose anything about this project, and part what was in the XXXX was the long hours and dates of commitment and the requirement to turn in your phone and apple watch when you are on set. 
First day of Production was XX/XX/2022 so since then I was out of commission and out of reach for the most part, however we will get a day or hours of break here and there. Upon what I thought was my first one week long break from the production on XX/XX/2022 I checked my bank account and saw series of transactions that I did not do or authorized, I called the bank to have my card cancelled and initiate a dispute/fraud alert, upon spending over an hour on the phone going over the fraudulent transactions with the bank representative I was speaking with, she told me that her attempt to submit the transaction for dispute failed because their system was down, she told me to call back at later time and have the dispute put through, she also told me that whenever I call that the transaction is already recorded and I wouldn't have to go through the ordeal of identifying them, she also went ahead and cancelled my card and issued a new one. The next day I called them and I couldn't get through and that same day I had a SOS from the people I was working for requesting that me and my team report back the same day for some work related emergencies. I went back to work and two weeks later we finally have our first week of break and on XX/XX/2022 I spoke with several of the bank representatives, some who hang up on me or perhaps a drop call and finally was able to get one who was patient enough to submit the the claim while I went through the ordeal of identifying the transactions as all the Bank representatives I spoke to before him on the same day and even the one that finally took the claim said that they do not see any note regarding calling about this same issue on XXXX/XXXX/2022, and few days after having this case finally filed I received a letter dated XX/XX/2022 saying that I am responsible for this charges. First of all, what sort of investigation takes one day? I saw this letter two days ago and upon reading it my XXXX XXXX went up, I've suffered a XXXX in the past so I have to let me calm down before i could respond to it as my body and mind was going through the trauma response of this letter and for the past two nights I haven't been able to sleep.
Product: Credit reporting or other personal consumer reports

Account with speedy cash has been closed over 7 years. They refused to remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received results of  a 2nd  dispute with  XXXX  for the same issue and there is no way  XXXX  verified the account status.  XXXX  is still reporting the same inaccurate information. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX  Account # Ending XXXX received two letters That has violated my rights, I will be uploading the Letters that 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. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) 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 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )
Product: Student loan

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 Tuition Answer To Whom it may concern : I am sending this letter in regard to the servicer referenced above to inform you all that I am disputing this debt.

Navient, please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because the amount is incorrect.

Since I am disputing this debt in question, do not report it to the three credit reporting agencies. If you have already reported it, I am requesting that you please contact the three credit reporting agencies, letting them know the debt is disputed, and kindly ask them to delete it from my credit report. As you are aware, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Lastly, please make notice that I do not wish to receive further telephone calls or letters, harassing me concerning this debt that is inaccurate. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your quick attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION COLLECTION : XXXX ( Original XXXX : XXXX XXXX TEXAS XXXX XXXX XXXX Balance {$5400.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX