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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX XXXX XXXX. XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX  : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

DEPT OF EDUCATIONXXXX : Account number : XXXX, I am a victim of Equifax Data Breach . Delete it from my credit Report Today! 

XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 

XXXX XXXX : Account number : XXXX, I am a victim of Equifax Data Breach. Delete it from my credit Report Today! 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK DATE OPENED : XX/XX/XXXX REPORTING PAST DUE 30 DAY PAYMENT IN XXXX XXXX 30 DAYS PAST DUE XXXX XXXX  60 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 90 DAYS PAST DUE XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I filed for bankruptcy. In speaking with my attorney, he advised me to stop automatic payment withdrawals on all credit cards which I did. I cancelled my Wells Fargo XXXX account three times since XX/XX/XXXX. I have emails to show the cancellations. The withdrawals still came out. This last time the withdrawal caused my account to go negative. I called them to complain about the situation that they have now taken approximately {$400.00} out of my account that was not authorized. They spoke to me as if I was uneducated and said I must not be cancelling it correctly yet I have emails showing the cancellation should have been completed. They told me I was re enrolling which I most certainly did not as I was following my attorney 's advice. I will now have to open a dispute with my bank since the charge came through. I just think this is very unfair since I cancelled the automatic payment withdrawals.
Product: Credit card

In XXXX of XXXX, I requested a credit line increase with Chase. It was approved and life went on. I was still able to use and pay off my credit card balance each month. On XX/XX/XXXX, I had a purchase for less than {$10.00} declined by Chase. I called in to see why and found out they had set my credit limit to {$0.00} and further violated federal law by failing to notify me of the adverse credit action. 

Setting my credit limit to {$0.00} affected my credit score as if I had closed a credit account. No one at Chase could or would explain why this happened when they had approved a credit line increase in XXXX. I continued to persist and they finally connected me with their executive office, where I was told it was quite possibly a human keying error when the credit line was being adjusted up. Therefore, Chase basically admitted that they don't have proper financial controls for customers accounts and any person updating credit limits could erroneously set someone's credit limit to {$0.00} or moreover a bad actor could maliciously change customers ' credit limits with zero consequence due to their lack of financial controls to detect these errors. In the least, one would think they would send out notification of the adverse credit action on someone's credit limit - especially in this inflammatory economy where everyday Americans are struggling with the rising cost of living and rely on their credit cards to fill the wage gap.
Product: Debt collection

I received a letter from this company demanding payment for a debt that I do not recognize. To my knowledge I have never done business with this company
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXXXXXX Balance Owed : {$2400.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX Balance Owed : {$2800.00} 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 XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXXXXXX Balance Owed : {$2400.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$2800.00}XX/XX/XXXX
Product: Credit card or prepaid card

I requested a balance transfer from my XXXX to a new Capital One card. After I submitted my request, I realized that I had accidentally put my XXXX   rewards number, and not the actual credit card account number, in the application. Believing that Capital One would not be able to approve this request without an accurate account number, I re-submitted the request, with the assumption that the original submission would be cancelled. 

I then saw on my account on XX/XX/XXXX, that the balance transfer had been completed twice - and twice the balance of my original request was on my new Capital One account. In addition, I had been charged TWO balance transfer fees. 

I called Capital One to see if the first transfer could be cancelled - since they did not even have the right account number for that request. I was told that it could not be cancelled, as funds are sent electronically. ( Note, the balance I was transferring is still on my XXXX account. ) I was then told that I would need to work with XXXX to have the additional amount transferred over refunded to me. 

I did ask the Capital One representative if the balance transfer fee for the first balance transfer could be refunded, because it was not at all my intention to have this transaction completed twice. However, she said there was no way she could lift the fee. 

1 ) I am upset and feel insecure as a consumer with the way Capital One handled my information and completed a balance transfer with an incorrect account number 2 ) I think it is wrong that I am being charged the balance transfer fee twice
Product: Vehicle loan or lease

I bought a vehicle with US Auto Sales and I couldnt work because the lock my car and they repossessed it
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2023, The company XXXX XXXX XXXX combined my student loans together. Previously, there were 3 accounts that emerged into one account held by XXXX. By doing so the major credit bureaus : Experian, XXXX and XXXX XXXX dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my FICO score tremendously.
Product: Credit reporting or other personal consumer reports

I have asked the companies to remove inquiries off my report as I am unfamilliar with them. Im being solicited for promotion because of these inquiries and i have requested they be removed from each company. These companies are now invading my privacy per the Privacy act of 1974, FCRA, and 15 USC 1681b : Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Product: Credit reporting or other personal consumer reports

So transunion will not I update my information unless I subscribe to their company it over a year out of date and it stated if I want my information updated I must pay XXXX to subscribe
Product: Vehicle loan or lease

To whom this may concern I am contacting you in regard to my recent experience with CNAC. 
On XXXX XXXX I purchased a car with CNAC from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. {$500.00} was put down and a payment of {$120.00} was made in XXXX, even though payment was not due until XXXX XX/XX/2023. After speaking with a representative with CNAC in XX/XX/2023, I requested a due date change. The payment schedule set up at the dealership in the initial contract does not coincide with my pay cycle. I am paid semi-monthly ( XXXX and XXXX ) instead of biweekly. The representative told me I had to make several payments before we could make a due date change. ( Unbeknownst to me that was incorrect advice ), and to keep making payments on time in case I needed to do a fresh start. Which is XXXX on time payments before payments could be put towards the end of the loan. Each time I have spoken to a representative from this company their rules and policy are different and confusing and keep changing. So, in XX/XX/2023 CNAC received XXXX payments when it should have only been XXXX. I could not do the due date change until I made the end of XXXX payment that should have been for XX/XX/XXXX. Once the due date was changed, I continued to make my payments on time and early. For XX/XX/XXXX payment I made it early, on XX/XX/XXXX and contacted CNAC earlier enough to see if I could plan to have payment ( XXXX ) put towards the end of the loan since I am currently in the process of moving. When I spoke with the representative, I was advised that I needed to be 14 days past due before I could receive assistance. So now that I am past due the criteria have changed yet again to receive assistance with this auto loan! Now I am being told that I can not receive assistance and have been met with rude and hostile customer service because they did not receive a payment in XXXX ( paid early at end of XXXX ) and have been threatened with derogatory marks on my credit report due to inconsistent policy that keeps changing and that they refused to provide to me in writing. Seems as though I am being penalized for paying early and on time, that I am unable to receive assistance with a skip payment. I have explained to several representatives that I have paid my bills early and that XX/XX/XXXX payment was paid on XXXX XXXX. Below is a breakdown of my payment history. 
XXXX XXXX {$120.00}, XXXX XXXX {$240.00}, XXXX XXXX {$140.00}, XXXX XXXX {$240.00}, XXXX XXXX {$240.00} ( should have been for XX/XX/XXXX ), XXXX XXXX {$220.00}, XXXX XXXX {$220.00} ( should have been for XX/XX/XXXX ) Currently XX/XX/XXXX and XX/XX/XXXX have not been paid due to the move and finances, which is the reason why I requested for a skip to get caught up and to avoid negative reporting to the credit bureaus. I also was notified by my insurance company that this car was in some type of accident, despite the fact it was not reported to XXXX and the paperwork in the contract from the dealer gives this false information in the damage disclosure statement. This was not disclosed to me prior to signing the contract!
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by HALSTED FINANCIAL against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt.

Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt.

Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report.

Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. Specifically, I am seeking : XXXX. Verification and correction of the inaccurate information reported to consumer reporting agencies. 
XXXX. Revoking all rights of them communicating with me through email/text/calls XXXX. Requesting a purchase agreement between the collection agency and the original creditor. 
XXXX. Proof collection agency is licensed and bonded
Product: Credit card

I disputed a charge of {$270.00} by mailing my dispute, calling, and filling out their online dispute forms. However, after XXXX billing cycles, ( 60 days ) they have not completed their job. For any dispute in progress, all the banks give temporary credit and no interest charges on the amount, but Wells Fargo hasn't done that. 
I have called 3 times and spoken with a supervisor on XXXX occasion. I see a trend of ignorance lack of professionalism and perhaps favoritism to big corporations and ignoring customers.
Product: Mortgage

I am trying to do a debt consolidation mortgage refinance and I came in contact with Top Flite Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # XXXX I was working with XXXX XXXX in their office. Things were going along fine when he informed me that I had to enroll in their bi-weekly mortgage program in order to qualify for the loan. He told me I needed to keep the program for a year, then I could cancel it. 

I found a more reputable company on line, XXXX XXXX  XXXX XXXX who educated me on what Mr. XXXX was attempting to do. They promote this bi-weekly program but don't ell you it costs a full payment to enroll in. In my case over {$2000.00}!!!! They never told me that. The reason I had to keep it for a year is it takes a year for Mr. XXXX to be paid from the bi-weekly company. 

I further found out that several mortgage representatives at Top Flite sell the exact same program the exact same way, duping people in to thinking they are required to enroll in bi-weekly plans. 

This company is a scam, thought they promote their " customer service. '' Spread the word!
Product: Debt collection

I spoke with someone at ERC to pay off a collection that was on my account. This collection is preventing me getting a private student loan. I told them I would pay to delete. XXXX XXXX at ERC said if I pay my collection, they would email me 48 hours later indicating that this would be removed from my credit. My collection account was updated to XXXX , but still is on my account as derogatory. This is my only way to get a student loan, no one I know can co-sign for me and this is preventing me from returning to school. She said it wouldve been deleted and they just updated the balance to XXXX .
Product: Prepaid card

I started a dispute with vanilla gift card and they have yet to figure anything out regarding this matter they just keep saying it's under review it's under review. And don't ever give any updates at all.
Product: Credit reporting or other personal consumer reports

I have discovered accounts listed on my credit report that I have no association with, and they are completely inaccurate. This is both unfair and distressing, as it is negatively impacting my financial reputation. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, I am entitled to an accurate and complete credit report. These errors must be rectified immediately, as they should not be present on my file. I am requesting a thorough investigation into this matter and expect all inaccuracies to be removed without delay. Failure to address this will leave me no choice but to pursue legal action.
Product: Debt collection

I have tried numerous times to have this matter resolve from the credit bureaus Experian and from the creditor XXXX and XXXX to no avail Ive spoken to many credit bureaus representatives and they have did an investigation to my concerns and the results are the same
Product: Debt collection

I recieved written communications from a lawyers office which proves nothing as to ascertain proof that this account is 100 % accurate and is owed. I only have a copy of statements but where I'd my hippa form, my signature, my social and/or copy of identification? You are saying I owe {$730.00} but have proved nothing. I still don't have a copy of your license to collect in NJ, a signature, a copy of a signed hippa form or my social. Games need to stop being played and either provide all the information I asked for that you must furnish or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a third party complaint. I filed an identity theft affidavit with Experian on XX/XX/2021 under case number XXXX and the XXXX XXXX XXXX did no comply with federal laws by blocking and removing the accounts. Because of his failure to comply my family and I have not been able to obtain credit and get housing. Federal law requires me to file a identity report with the federal trade commission or a police report and provide identification. I provided the identity theft affidavit and my identification on the above case number as proof and nothing was done. I demand CEO XXXX XXXX under XXXX Experian to block and remove all the accounts. It is your fiduciary duty to protect me as a consumer and report accurate information. My family and I are now homeless because of your failure to follow basic fair credit reporting law procedures.
Product: Credit card or prepaid card

I was on vacation in XXXX and had received a XXXX XXXX XXXX XXXX XXXX result before I was about to head home. I had to cancel the flight on XX/XX/XXXX and try to rebook the flight due to being XXXX XXXX. When trying to rebook the flight in the early morning of XX/XX/XXXX I made several phone calls to Amex Travel. It took 3-4 calls after being on the phone and hold for an hour every time before eventually being disconnected and never received a call back. Especially after the first thing they ask you, is what is a good call back number if we get disconnected. Eventually when trying to search for a return ticket home, they said Ill get credit for the return flight home and theyll waive their change fees, but went on to say XXXX XXXX is still going to charge you a {$300.00} ticket change fee. And the cheapest ticket they could find for me on XX/XX/XXXX was {$800.00} bringing the total to {$1100.00}. I tried telling them XXXX XXXX is waiving any ticket change fees due to XXXX  if you book before XX/XX/XXXX. Amex team members told me, thats not true. And I still have to pay {$300.00} change fee. I told them to look on the website where it clearly states there is a complimentary change due to XXXX. I also called airline directly to confirm and the agent confirmed I should not be charged a ticket change fee. And secondly the cheapest ticket I found was about {$470.00} to return home, not {$800.00}. So they were trying to charge me {$1100.00} instead of {$470.00} which the airline credit should mostly of covered. Unfortunately since I booked through Amex Travel, XXXX XXXX advised I will have to deal with Amex Travel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now this company is reporting on my XXXX credit report that there is a negative payment on XX/XX/XXXX. This account has been closed since XX/XX/XXXX. So there for there is no negative payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts on my credit report by a company called XXXX XXXX XXXX. XXXX is for {$360.00} and the other is for {$160.00}. Both of these two accounts with XXXX XXXX XXXX  are fraudulent and the company never sent me a notice of debt or a chance to validate the debt. XXXX XXXX XXXX  responded to my complaint on CFPB saying that I was correct and that they would notify all three credit bureaus to tell them to remove the collection from my credit report due to the violation. I have attached the response from XXXX XXXX XXXX to provide evidence of my complaint. XXXX, Equifax, and XXXX did not do a proper investigation into this matter and all three credit bureaus have WILDLY different credit scores for my accounts with them. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their scoring is astronomically different than each other.