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

I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't Equifax be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with Equifax picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ). 

My hope is that the CFPB takes a strong punitive stance on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX and financed it from VW Credit. I owned and drove the XXXX for 7 months and it was then totaled. The value of the car was XXXX and I owed XXXX and they are now saying I get none of the money back from this accident. So the value of the equity I had in the car was not mine it was theirs as the owner of the car. I said if I purchased the car from them what would I need to pay them, they said XXXX. So I said I would get XXXX to give me the check and I would send XXXX to buy the car. They said that would be fine, but since they know it was totaled XXXX is required to send them the money so I would not get any back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file with Equifax. none of the data listed is correct on all 3 reports. this has caused a major delay in all approvals. please review an remove the information submitted to clear my report asap.
Product: Credit card or prepaid card

I disputed multiple charges which were fraud from XX/XX/XXXX to XX/XX/XXXX. After crediting disputed charges, Bank of America reversed lump sum amount of charges, without giving any explanations, how they came up with these amount, what charges are they reversing, no proof of how they figured these charges belong to us even after our multiple requests. They never provided us any proof. On top of all of that, I paid a lawyer to send them letter with certified mail twice, and email, they have not even responded to my lawyer. 
Additionally, they have sent letters to four credit bureaus stating we don't agree with the charge backs on fraud charges- basically trying to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, XXXX XXXX  for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, Transunion, XXXX and XXXX. XXXX immediately removed the false report, however Transunion and XXXX completed the investigation that the item was legitimate. I contacted both XXXX and XXXX XXXX  and provided proof the account was settled and never should have gone to collections. I provided that to both Transunion and XXXX but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.
Product: Money transfer, virtual currency, or money service

The company name is Zelle. It is a 3rd party with XXXX XXXX. Zelle is a company that transfers money outside your Bank. This is a scam that included they were with XXXX XXXX. Told me over the phone that there were 2 charges of my Credit Card ( which was showing on my account ) .. told me they were purchased in XXXX XXXX Florida XXXX One transaction of {$400.00} and another of {$420.00}. the person on the phone ( which we will call her XXXX ). I disputed both of them and XXXX said to get the funds back have you heard of Zelle which they are used with a lot of Banks including XXXX XXXX. So I asked her how it works. She explained to me that you can transfer the money back into your accounts. I feel this XXXX is an inside job of XXXX XXXX  because she knew a lot about my accounts like the funds involved she also " told me '' my account numbers. So I he whole transaction took these ounts from my accounts and used a phone number that wasn't mine.
Product: Debt collection

I would have an a problem when Identity theft on my accounts and this is one of those collection agencies then its been removed before they keep putting it back again onto my credit right now when I check it on my credit this is actually on XX/XX/XXXX and as they can look they can see the nail remover before and they put it back they remove it they put it back every time I have to be fighter making calls dealing with this I told him that was not me I am a victim of identity there for so many years and I asked to be removed this account they remove And then I come back again show
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/XXXX a external transfer from my account ending XXXX going to my Wells Fargo savings account was initiated & XXXX hour After that was taken out my account I get a emai stating that my account is due for closure so I contacted them immediately about the concern of the funds that was taken out which they replied saying that I would have to wait for funds to settle & then wait XXXX business days for the money they took out my External account & there email it cleared stated that any transactions will be canceled & any deposits will be returned I dont believe its fair I have to wait almost a month for my funds which was XXXX $ Im not in a financial standpoint to wait almost a month for that when they clearly said that all transactions will be cancelled & returned & my external account is in the negative which I will have to pay overdraft fees on this problem is with Wells Fargo MY NAME IS XXXX XXXX XXXX ACCOUNT # XXXX
Product: Student loan

Every year I recertify my loans for income based repayments. This year, I filled out the form, as usual. The form is the same form that has been online with FedLoan. I submitted it promptly and received a rejection one month later. When I called to find out why, FedLoan said that the form I filled out was no longer the form they were using, despite the date in the top right hand corner stating that the form was valid. They told me to fill out a new form. I did this and submitted it. Again, a month or more later, they sent back a rejection saying that they did n't have my income taxes. I explained that they were already submitted. Six hours and multiple phone calls later, they admitted they did have the income taxes. I told them I was nervous with the processing time as my new payment that was not income based would take effect and that I could not afford to pay it. They told me there was nothing to be done and I would have to forbear if I could n't afford my payments until they processed the request. I explained that was n't fair as I submitted the correct information TWICE and they rejected it. I was forced to forebear for two months. Not only is the interest compounded, but I lost out on two months of loan forgiveness, causing me to have to work in the public sector for two months longer. I called to complain about this. Numerous transfers and promises that someone would call me back, they did not. It has been two months since they promised to call me back about the forbearance. I have made so many phone calls and waited for people to help. It has n't happened.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I recently noticed a XXXX late payment recorded on my account, which is inaccurate as I have consistently made timely payments. According to standard credit reporting practices, a XXXX delinquency typically follows a XXXX late payment, which further suggests an error in the reported information. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I WAS SCAMMED XX/XX/ Heres my pitiful story. Our Bank America Credit Card wasnt working quite right, but we thought everything had been straightened out. Then I got a call from Bank America, with caller ID for them, asking if we knew XXXX... And had I sent her {$990.00} on XXXX. I said no and they gave me a long case number and two cancellation numbers then transferred me to the XXXX department. I gave the new person the info and he started having me put numbers into the search line, etc. explaining that this is the way they can block anyone from tampering with my XXXX account. I was so flustered trying to understand the XXXX guy who spoke with a heavy accent as so many companys customer service people do. I could barely keep up with writing numbers and typing them into XXXX. He explained that we needed to do it multiple times with different numbers but not to worry all would be cleared after we finished the process. On the fifth round of numbers I had enough time to see a notice on top of the XXXX page saying beware of a scam. They would never ask you to send XXXX to any numbers. I read that to him and at first he ignored it but then said he knew but he was doing what needed to be done. I said that I no longer trusted him but he said I could trust him because he had not asked for any personal info and if he were doing something bad he would hang up right away. He was so kind and patient repeating numbers for me. I got my credit card and called Bank of America on my cell. They had heavy call volume and I had a long wait to main line then another wait for the XXXX department. The scammer asked me what I was doing and I told him I was reporting him. Then the last transaction was denied because I had reached the limit for {$3500.00} in one day. But he wasnt bothered and said that was normal and he knew how to unlock that. He kept assuring me he was working it all out so I would see nothing was taken out of my account. I had stopped talking to him and had laid the phone beside me. He started yelling the instructions but by then the real XXXX department had connected and the scammer hung up. I was so upset. The agent was kind, took lots of info for the claim but said they rarely recover any XXXX losses though they are trying so hard. I was sick I had fallen for so much. 

The call from scammer came Bank of America on caller ID at XXXX at XXXX XXXX XXXX at XXXX XXXX at XXXX My call to real Bank XXXX XXXX XXXX at XXXX. 

The first 5 names and amounts are the frauds/scams. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX UNIVERSITY Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : ( XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Address : ( XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Complaint Details : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent.

Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy.

o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information.

Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates. 
o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes. 
Given these provisions, XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to XXXX  CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to XXXX. And also followed by this new report here..
Product: Mortgage

I contracted American Advisors Group to Refinance my home in XXXX, and I paid {$220.00} for my half of the appraisal cost on XX/XX/2021. 

My contact is. XXXX XXXX, PRESIDENTS CLUB MEMBER, Reverse mortgage professional AAG | American Advisors Group XXXX ID : XXXX Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX XXXX XXXX is Director of Marketing operations for AAG. Three days ago, I submitted a complaint to the California Department XXXX Consumer Affairs Bureau of Real Estate Appraisers I have not been contacted by an appraiser and XXXX XXXX has assured me that it has been assigned to an appraisal agency. I am in the conventional mortgage and real estate business, but other HECM lenders have told me that this is highly unusal length of time to wait. This is causing me a financial hardship, and I can not be told to wait again. Can you please investigate or assist in any way?
Product: Checking or savings account

On XX/XX/XXXX, I received an alert from Chase indicating that there was an issue with my account and that I needed to contact them. Unable to log into my Chase app, I reached out to their customer service. They informed me that they might need to close my account to investigate the issue. I agreed, and on XX/XX/XXXX, they closed my account but stated that the investigation into the funds was still ongoing. I am unsure when my money, totaling around {$1600.00}, will be refunded. While this amount may not be significant to Chase, it is a substantial sum for me
Product: Credit card or prepaid card

Citi gave me a 24 % rate on a Citi double cash card. I called and complained they lowered to 19.25 % only after I complained. My credit score is over 800 on all three bureaus. They punish me with rate because I have no other relationships with them, I know banks do this. They also are refusing to generate an online statement fr XXXX because they told me that I owe noting. I told them I want a statement each month as I thought was required by a credit company to confirm balance and that account is opened. Only after I called did they day they'd mail one and refused to electronically send one. My  statement cut off date is XXXX of each month. Here we are in XXXX on the XXXX and statement and if I didn't chat with they would have never gotten one. I not only want a statement each month I now want paper so they can eat the cost of the postage. I want this rate addressed and explained. I can not keep closing credit cards when they are giving 24 % with an 800 fico.