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

XX/XX/2020. Logged in successfully to my Equifax account, was able to see my credit report and credit score but was not able to permanently remove the security freeze. 

Called after hours so could not speak with a representative. Tried to answer security questions but it did not work. The questions were about loans that I have never had so all I could answer was " None of the above ''. 

XX/XX/2020. Called but the phone call was terminated after approximately 7 minutes without even a chance to speak with a rep because the automated voice system started asking a quality survey and I refused to answer because I had not even exchanged a word with someone. 

Called again and asked a customer service rep to permanently remove the security freeze. She said it is not possible by phone and I must send a letter with a copy of my Social Security card and a copy of my driver 's license. 

I said that I had the PIN number to unfreeze and she said that they do not use it anymore. I said that the PIN functionality worked very well with the automated calls with XXXX and XXXX. I was able to permanently remove my security freeze with these 2 companies in just a few minutes. 

I said there is an issue with Equifax website not permitting the " unfreeze '' option when I can access all the other information in my Equifax account. She did not even acknowledge there was a problem with that. She just kept repeating the same thing, that the request has to be sent by mail. 

I asked to speak with a manager but she said that it would not make any difference and that it would not expedite my request. 

I asked if I can fax the request and she gave the number without even confirming that it would work that way. 

She said it will take 5 to 7 business days to process my request and that I will receive a notification letter in 30 days. I checked later on FTC 's website and it says that if done by phone, the unfreeze should be done within one hour and 3 business days by mail. 

I faxed my request but after reading comments on the XXXX XXXX XXXX website, I will also send my request by mail. I don't understand why I could not permanently remove the security freeze on the website or by phone when it was so easy with both XXXX  and XXXX  in just a few minutes by phone.
Product: Credit card or prepaid card

Hello, I was between jobs and fell behind on my credit card payment. I made the payment to bring it current online, as the account was showing active and also allowed my to transfer into the account. On the app, it shows that the card even has an available balance. As I tried to use the card, it declined. I called and was told it was in a closed status and the card could not be re-opened. I feel that the statement and the mobile application is both deceiving and provides misinformation. The card shows open with an available balance and I brought it current to retain it. This is a poor practice and is very misleading. I want this card reopened as I was led to believe.
Product: Debt collection

On XXXX/XXXX/2016 I recieved a call from an XXXX that left a 40 second voice mail upon not being answered that said nothing. Upon researching the number I discovered that it was a collection agency that was sold a debt from XXXX. 
I called the number and spoke to a XXXX XXXX, who told that that I owed {$100.00} on a past due XXXX phone bill. 

I immediately told her that the matter was an error that was in the process of being solved due to a mess up on XXXX when setting up service. XXXX sold the debt prematurely to Amsher collection when they have acknowledged that there was a mistake made when switching payments over to another account. 

When I asked for a breakdown of the debt, I was told that there was {$94.00} due on a phone. When asking about the other rest of the money due on the account, I was told by XXXX XXXX " You should know about what 's due because it 's your account '' ; a statement berating me for asking to be granted rights under the FDCPA. 

In addition, Amsher Collection has not sent any notice through mail allowing me the right to verify the debt, nor my right to dispute as of XXXX/XXXX/16, or even that the debt was sold to them. Immediately after the phone call, I spoke to XXXX 's customer support about the matter and was told that I have to negotiate with Amsher Collection and that I should be given a breakdown of the phone bill through them, because the account has left XXXX. 

XXXX has mentioned that any possibility of buying the account back is impossible and that I have to speak to the collection company to settle the matter. I have not been given a proper break down of the bill and I honestly feel that the companies are asking for more money than they are entitled to, especially considering I have made multiple accounts to have the matter fixed in person and over the phone with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two hard pulls on my credit were taken by " XXXX XXXX '' and " XXXX XXXX '' unknowingly. I am not knowledgeable of this accounts and there are credit freezes on all 3 of my reports. Tried to dispute through Transunion, the website does not work at any capacity. I also discovered the creditors phone number which is Transunion. No help whatsoever. Dozens of others are struggling with this.
Product: Credit reporting or other personal consumer reports

Experian for its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or Unverifiable Accounts unresolved. The consumer Financial protection bureau ( CFPB ) has recently filed A lawsuit against Experian, Alleging Systematic issues Such as Failing To forward consumer Provided evidence To furnishers, Accepting unreliable responses, and failing to adequately Notify consumers of Dispute outcomes. These failures Align with my experience when Experian Has neither corrected Nor removed Disputed items Despite the evidence I provided Causing on going harm To my credit standing. I am requesting Immediate Corrective action To remove or amend The disputed accounts, As Experian In action violates Federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX XXXX account ( Account Number : XXXX ). 

Despite multiple requests for correction through letters dated XX/XX/XXXX and XX/XX/XXXX, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of the information reported in a consumers file. In my case, this mandate has not been followed, as the incorrect reporting of late payments has persisted despite my two prior disputes. 
Moreover, under 15 U.S. Code 1666b, creditors are required to send periodic billing statements at least 21 days before a payment 's due date. The inaccuracies in late payment reporting indicate that this requirement was not adhered to, which further supports my claim of unlawful reporting practices. 
TILA Violations The Truth in Lending Act emphasizes the necessity of providing accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has had a negative impact on my creditworthiness, thus violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Additionally, the Protection Against Non-Payment of Obligations Act reinforces creditors ' responsibility to issue timely billing statements, preventing consumers from incurring unfair penalties. This responsibility was not met by XXXX XXXX in my case. 

New Evidence of Error The discrepancies across the three major credit bureaus for my XXXX XXXXXXXX account involve inaccurate reporting of late payments in XXXX, XXXX and XXXX of XXXX. Specifically, both XXXX and XXXX incorrectly reported 30-day late payments in XXXX and XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. 

Equifax also reported similar late payments in XXXX ( 30 days ) and XXXX ( 60 days ), along with an incorrect 30-day late payment in XX/XX/XXXX. These errors remain unresolved despite my previous disputes. 
Pattern of Non-Compliance The repeated errors across these credit bureaus highlight a pattern of non-compliance. This persistent failure to accurately report my payment history is unacceptable and has caused unjustified harm to my credit score. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX we lost home due to fire and notified XXXX XXXX XXXX XXXX and New Rez Mortgage of loss ; XX/XX/XXXX, following phone conversation of payoff process, we sent insurance proceed settlement check ( XXXX ) to newrez for endorsement and loan payoff ; week of XX/XX/XXXX Newrez return mailed settlement check saying XXXX XXXX ( XXXX XXXX ) should be removed from settlement check ; Insurance company insisted XXXX holder must be listed and endorse along with newrez, the loan service company ; Newrez refused to process following multiple calls ; we engaged a XXXX XXXX to contact and resolve issue directly with XXXX XXXX XXXX ; Settlement check was resubmitted to Newrez XX/XX/XXXX and tracking showed delivery on XX/XX/XXXX ; Following XXXX call to Newrez on XX/XX/XXXX, they " found the check had been received by loss department, They said we would need a to contact customer service for a payoff code, then call them back with code. After persisting to to speak to a supervisor they agreed to contact their customer service department, but said it would take them 10-days, then another 20-days to process and payoff loan. They have created a financial hardship resulting in credit card debt and inability to make our XXXX XXXX payment. We are now incurringlate fees and additional interest. Plus, we have made the XXXX and XXXX payment on a home that does not exist and they have still not provided the hardship paperwork they said they mailed...
Product: Debt collection

XXXX XXXX is reporting false and inaccurate information on my credit report. They are showing a balance of {$800.00} which is false and inaccurate. When I disputed with them, XXXX XXXX stated that they sold the alleged debt to a third party, XXXX XXXX XXXX. I then disputed the alleged debt with XXXX XXXX XXXX and requested they validate the debt. XXXX XXXX XXXX then sent me bills from XXXX XXXX. The last bill was dated XXXX XXXX for a balance of {$460.00}. According to my Equifax report the date that account closed was XX/XX/year> with the balance of {$800.00}. How is that within the same month there are XXXX very different balances? Ive also requested proper debt validation and they have failed to provide me with such proof. XXXX  XXXX is violating my right to privacy as a consumer, reporting inaccurate, false and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. Equifax, XXXX, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union asked if I wanted to take a 7 day free trial with them but I had to put my credit card information on file with them I did. They wanted XXXX a month to stay with them. I canceled on the 6th day. They locked me out of my own account for not updating my credit card. I used to be able to go online and check my credit scores. Now I cant do anything at all. They put a freeze on my account Nobody can access my info not even myself. I didnt do anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect unverified incorrect information on my credit report i have requested several investigations into the correction of the incorrect information on my report but the issue still hasn't been investigated properly or corrected and was previously claimed to be verified the Bankruptcy through XXXX i recently obtained a copy of my XXXX report both verified and non-verified which shows no Bankruptcy being reported so i am requesting an investigation to have the issue corrected
Product: Mortgage

NONE of the boxes applied to my complaint, but it wouldn't let me skip them or write my own, so here it goes.. 

My dad passed away 11 weeks ago and I inherited his property, there are currently squatters living in the home that I am in the process of evicting. These squatters logged onto the Midland online account and changed the contact email to theirs instead of mine, while doing that, they saw my phone number and address. I called Midland to ask about this, and they then informed me that they also called Midland pretending to me and my daughter ( a crime! ) Midland should have IMMEDIATELY called me and not given them any information!! That is not what happened, I was not told until I called them asking about the change of the email address on the account. I was told I could put a PAC ( privacy access code ) on the account so that when someone logs in online or calls about the account, it would ask for a certain word before any information was given about the account. I have now called over 10 times and the PAC has NEVER been asked for. When I start asking about it, they give all kinds of excuses ranging from a computer glitch, to it only asking for the PAC on the 2nd page of the account, to it will be asked for next time you call in, which it never was. Because of Midland Mortgage, these squatters who are dangerous, now have all of my personal information. I have spoken to a supervisor, XXXX XXXX, to demand the audio and transcripts of the phone conversations between Midland and the squatters and was told to give her a few days. Those days have now passed, and I have called and left a voicemail, waiting on a return call from her, remains to be seen whether that call will ever be returned or not. The sheriff is now involved because calling and pretending to be someone to a mortgage company that you are not to get their personal information is a CRIME, as is the mortgage company releasing information to someone who is not on the account. Midland mortgage KNOWS all of this information and still REFUSES TO SECURE THIS ACCOUNT. There have been numerous other problems with this company other than this, this is just the most egregious. They also sent me the foreclose notice in the mail 3 days after I acquired the property in Succession and sent that to them. Many more things I could put in this complaint about Midland, but I would be typing all day. I have never dealt with a company that is more infuriating and unprofessional in my entire life. I work at a tiny family-owned business and even WE have to secure customer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. A auto loan for XXXX XXXX  was opened in my name. Being a XXXX XXXX I'm over the road alot and not able to be homelike I want. Once I realized the fraud I filed a ftc identity theft report online. I've disputed several times with Equifax a d sent my DL and identity theft report and they still continue to report this harmful information that I'm not responsible for. This is wrong and needs to be corrected asap. This is Fraud Enablement and the damages I'm suffering due to this fraud is a violation of my rights under the FCRA law. I intend to take the necessary steps to rectify this matter. I've done my part and desire to amicably resolve this miscarriage of justice immediately
Product: Checking or savings account

On XX/XX/2019 I received a check from my employer for XXXX dollars. I deposited the check with Bank of America on the same day to receive a notice that my check will be held till XX/XX/2019. I called on XX/XX/2019 to ask if the funds can be released earlier as my employer messed up with my direct deposit and I needed funds for my car payments, rent, credit cards, medicine ( my wife just went through surgery ), and groceries. When I spoke to the representative on XX/XX/2019 at XXXX XXXX   EST, I was informed that any check or ACH payment from XX/XX/XXXX forward would go through without any fees since there is a pending check on hold and that when the check cleared it would just be reconciled when it cleared, this was all on a recorded line. I explained that I did not want them to go through if they were going to become non sufficient, I was informed I could process these payment without any issues however I would not be able to use my debit card. On XX/XX/2019 I checked my account and noticed all my ACH payments had gone through but with NSF fees. I called Bank of America to figure out why and to get these fees reversed and was explained that the representative provided me incorrect information on XX/XX/XXXX and that all my payments would be returned. This now makes me late on all my payment with accumulated fees from my creditors. I spoke to a manager and to no avail was completely turned down on Bank of America taking any accountability and allowing these payments to go through without any fees. I asked to have my check returned to me so I can cash it and was denied the right to my own funds as well!! At this point I either want my funds available as this is not a federal regulation and my payments to process with all fees refunded or I want my check returned to me, fees removed and my account closed immediately. I have never dealt with a bank holding my funds with no access to any money for my bills or food for this long. This needs to be fixed before further action continues.
Product: Credit reporting or other personal consumer reports

Attempting to collect on a debt in a location where I do not reside pursuant to 15 USC 1692b 2. Failure to give prior consent for attempting to communicate pursuant to 15 U.S.

Code 1692 3. Failure to provide notice of consent on initial communication pursuant 15 U.S Code 1692 ( k ) 4. The use of language meant to harass such as your account may be credit reported 15 U.S.C Code 1692 ( d ) ( 2 ) 5. All this caused me mental anguish and stress so I'm seeking damages pursuant to 15 USC code 1692 ( k
Product: Credit reporting or other personal consumer reports

Subject : Inaccuracies in Credit Report and Incomplete Investigations by Experian To Whom It May Concern, I am writing to formally submit a complaint regarding ongoing issues with my credit report, which have remained unresolved for the past five years. Despite my continuous efforts to have these inaccuracies corrected, I have encountered persistent problems with Experian, the credit reporting agency, including incomplete investigations and lack of meaningful assistance. 

Over the course of the last year, I have repeatedly contacted Experian regarding discrepancies on my credit report. Specifically, there are inaccuracies in the reported information, which I have requested to be corrected. Despite providing clear evidence and documentation supporting my claims, the investigations conducted by Experian have been superficial at best. In some instances, the issues have not been investigated at all, leaving my credit report unchanged. 



Actions Taken by Me : I have submitted disputes and supporting documentation to Experian on multiple occasions, requesting the removal or correction of the inaccuracies. ( SEE ATTACHED ) Despite my ongoing communication with Experian, I have seen no meaningful progress toward correcting the inaccurate information on my credit report. I am extremely frustrated by the lack of action, and I have been left without any options for further resolution. 


Thank you for your attention to this issue. I trust you will help facilitate a resolution to my ongoing concerns. 

XXXX XXXX [ Your Experian Report Reference XXXX
Product: Credit card or prepaid card

I had a rough time with PayPal credit card I thought it was free money and I assumed it was money I could use but I didnt realize that there are balances because Im XXXX and struggle to keep on bills I have a huge XXXX and disadvantage of handling my finances and couldnt get help with PayPal credit they wouldnt work with me on the bill it took months to get everything handled correctly I just couldnt believe I was turned down by PayPal they handled it very poorly I wish they could have given me a better understanding of things and PayPal credit doesnt wan na listen to what u have to say and dont care about your feelings I just want them to make this right
Product: Credit reporting or other personal consumer reports

i sent a dispute on XXXX to all 3 cras concerning the re-investigation process, also informing them about 15 usc 1681e ( b ) about information has to be maximum accuracy.

neither of the 3 hasn't responded as of XXXX concerning the items and i have also attached a copy below for your reference with USPS certified receipts. 
requesting the items be verified sending me the method of validation or deleted the items from my credit report.
Product: Debt collection

I have received over a dozen calls from " Chase Receivables '' for a {$370.00} hospital bill. I have full coverage health insurance with a {$150.00} hospital copay, which has been paid in full. I explained this several times, even going so far as to email them a scanned copy of the paid invoice to show that the patient ID number they have on file is not the correct number. I have been told at the close of every exchange that they will note this on their records and stop contacting me, yet the calls continue, always on my mobile phone despite my requests that they cease contacting me on a private mobile number