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

With regards to the Equifax cyber security incident announced on XXXX XXXX, 2017 : Equifax, through its grossly negligent handling of private information, has endangered my and millions of other Americans ' social security numbers and other private information. They have opened up our lives to the ever-present risk of identity theft through their incredibly inappropriate mishandling of our personal information. To add insult to injury, they have placed the onus on us to ensure that our leaked information is not abused instead of taking any semblance of responsibility for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX   XXXX XXXX Val {$620.00} XXXX XXXX - XXXX   XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX   - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX  {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Product: Credit card

I am filing this complaint regarding a XXXX XXXX credit card ending in acct # XXXX. Last yr the annual fee was billed for this card yr and I contact American Express to cancel the card. The company advised me that they would make an offer to me as a long term user of the card an annual fee reduction of {$450.00} if I spent {$3000.00} on the card. I did spend {$3000.00} on the card and got the {$450.00} credit. I was just billed for the next card year fee for the same card. I contacted the company via chat and they told me they would cancel the card for me, but they would claw back {$450.00} in the fee waiver from the prioor year. This is most definitely a deceptiove practice. I was at no time told that if I accepted that fee reduction ( based on spend in XXXX ) that I would need to renew the card at {$650.00} or whatever the fee is in XXXX again. I really could not believe this as a customer for more than 35 years. They advised me they are rebilling me {$450.00} and effectively clawing back that fee reduction. I did not attempt to cancel the card until I was billed the new fee for the next card year.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to a critical issue on my credit report. It contains mixed and inaccurate information, including accounts and items I have no connection to. This has been an ongoing source of stress and XXXX for me.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent Receive any investigation results
Product: Checking or savings account

I'm trying to link my account with coinbase.com a cryptocurrency account But it saying.. I am blocked. 
Please assist
Product: Checking or savings account

In XXXX, I saw an ad on XXXX for XXXX and decided to buy a few. The seller told me they accepted XXXX XXXX and XXXX XXXX, so I sent the money in three separate transactions. Unfortunately, the seller never sent the items or responded to me after I paid. 

I went to my local Wells Fargo branch to report the issue, and they told me I should file a claim for the transactions. Following their advice, I filed claims for all three payments, providing the details of what happened. 

A few weeks later, I received an email from Wells Fargo saying my account would be closed due to suspicious activity. When I called to ask why, they said it was because I had made multiple claims and that my account was relatively new ( only five months old ). I explained that all the claims were legitimate and related to the same fraudulent seller, but they told me there was nothing they could do and that my account would close on XX/XX/XXXX. 

I dont think this is fair. I followed their advice and acted responsibly to report fraud, but now Im being penalized for it. I have proof that the transactions were all with the same seller and would appreciate it if Wells Fargo would reconsider their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX. Confirmation # XXXX. They completed on XX/XX/XXXX. I then contacted on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Conacted again on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Opened another on XX/XX/XXXX, Confirmation # XXXX, not completed yet. 

I orginally sent Equifax a listing of my Bankrputcy Schedule from the courts, with all my included creditors, as well as the discharge when it happened. There is still at present date a creditor from XXXX/XXXX XXXX that was opened in XX/XX/XXXX, Showing a Charged off Status with a balance of {$35000.00} as of XX/XX/XXXX. Numerous documents from the court and discharge has been sent to Equifax. They keep opening new disputes and it is not fair that I have to keep waiting for this account to be updated and reported correctly to be discharged and included in my Bankruptcy Chapter XXXX Case. There is no reason why that Equifax has to keep on delaying the process to update this account to reflect as included in Bankruptcy. 

When you call Equifax, you reach reps that are not in the US and if you do get someone in the US, they will not escalate the call to a manager or supervisor. This information should have been corrected within 30-45 days of my initital contact. They should not be opening multiple disputes and wasting my time.
Product: Debt collection

debt being collected by ashmer collection service is not valid. I do not have any information from creditor verifying debt
Product: Debt collection

The company has charged off the debt and refused to send me the 1099c so I can file my taxes. You can not report income, therefore they have to delete this account.
Product: Mortgage

Re : Mortgage with Bank of America Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX I found out that our property was sold by Bank of America to a third party - XXXX XXXX without any written notification on XX/XX/XXXX. An agent representing XXXX knocked on the door and informed the tenants and was given 3 days notice to vacate the property. 

We are current on our mortgage and have not missed any single payment. I logged in into my Bank of America account to find out why and I was not able to access the account any longer. I called them immediately and the representative I spoke with informed me that our mortgage was paid off as of XX/XX/XXXX. 

We are not aware nor have received any written notices regarding the sale. As of today, we still have not received anything from them. I tried to get additional information but was told that I have to request everything in writing and will take approximately 7-10 business days before we receive a response. 

We have senior tenants living in the property and giving them a 3 day notice to vacate is not acceptable. Where are they going to live and find a place in such short notice. This has put so much stress on them and on us.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

MY WIFE WHO IS XXXX HAD HER XXXX BENEFITS STOP XX/XX/XXXX AND HAD TO RE-CERTIFY FOR BENEFITS WHICH TOOK ALMOST 1 YEAR AND CAUSED US TO DEFAULT ON OUR HOME LOAN. WE HAVE A SALE DATE OF XX/XX/XXXX PennyMac Loan Servicing has illegally foreclosed on our home pending sale date is XX/XX/XXXX. We applied for a modification XX/XX/XXXX, we were told that all documents were received and we would hear from them. Then we received letters from PennyMac showing an auction date of XX/XX/XXXX. We were horrified and saddened at the same as we were seeking help to save our home of almost 13 years. We were also under the impression that foreclosure proceeding should be suspended during the modification process. We contacted a Real Estate to list the property for sale. Comps in our area were showing sales for similar properties at $ 700,000k+ but we listed at {$680000.00} aggressively to sell ASAP and obtain a small equity to relocate. We contacted PennyMac for a payoff and was told {$610000.00}. This amount was fabricated to ensure we could not get any equity from the sale since 6 % would go to selling process.

PennyMac denied that offer and 2 additional offers. PennyMac had offered a short sale option and deed in lieu in XX/XX/XXXX. In XXXX, we dropped the price to $ XXXX, got an offer for {$640000.00} which PennyMac denied because they said the home was evaluated at {$650000.00} ... .We found this out XX/XX/XXXX last Friday and that was our last hope ... SALE DATE XX/XX/XXXX. WE CURRENTLY HAVE A VALID OFFER BUT PENNYMAC STILL WILL NOT CANCEL THE SALE ... WE NEED TIME TO SELL THE HOME. PENNYMAC USED ILLEGAL AND FRAUDULENT PRACTICES TO SELL OUR HOME. PLEASE HELP US.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB report has been filed to request pursuant to FCRA 605B ( 15 USC , 1681C-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consist of a personal five hard inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of the hard inquiries maintained by Equifax which shows the aforementioned fraudulent items.

I do not recognize the aforementioned hard inquiries appearing on my credit report maintained by Equifax, were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint number XXXX, as proof from the US Federal Trade Commision that all of the aforementioned hard inquiries are the result of identity theft and fraudXXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card

I have a several credit card ( s ) in my name from your company opened sometime in XXXX WITHOUT my authorization. If you check my credit record, I have had a exemplary credit history up until around the end of XX/XX/XXXX. It was around XX/XX/XXXX, when my child 's mother utilized a previous address of, that my child 's mother, began using my personal information to open accounts in my name. also began abusing XXXX, XXXX and began stealing my credit info and personal property to XXXX XXXX XXXX XXXX As a result of these actions and several more that have been documented by the police thoroughly, in XXXX, and XXXX XXXX Pennsylvania, I have had to obtain a XXXX XXXX XXXX XXXX and flee the state of Pennsylvania because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that ALL my open/delinquent accounts be closed and interest stopped immediately. I have placed a freeze on any unauthorized accounts and placed a fraud report on my credit file. I have done this in XX/XX/XXXX with XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a letter to Experian via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) disputing several negative items on my credit report. These items are inaccurately reported with discrepancies, including a bankruptcy lacking essential information, as well as incorrect personal information. To ensure Experian could verify my identity, I included all required documents : a copy of my government-issued ID, Social Security card , and proof of address. 
However, despite fully complying with all necessary requirements, Experian refused to conduct a reasonable investigation. On XX/XX/year>, I received a response from Experian stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the accuracy or completeness of information on their credit report, the credit bureau is required to conduct a reasonable reinvestigation to verify the information. Experians refusal to fulfill this obligation is a clear violation of my consumer rights under the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern. I have reached out to Experian on XXXX  separate occasions to validate and delete account information that pertains to another consumer. First time in XX/XX/XXXX and the second time in XX/XX/XXXX. In XX/XX/XXXX, I received a response from Experian and they deleted closed accounts that are not mine from my credit report. All the active and outstanding debts from another consumer are still reporting on my credit report. This is negatively impacting me in obtaining my own home. Please see below for this information. Thank you. 

XXXX XXXX XXXX Past Due {$5900.00} XXXX XXXX  Collection {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$710.00} XXXX XXXX Past Due {$600.00} XXXX XXXX Late Payments in XXXX XXXX XXXX XXXX Charge Off {$6900.00} XXXX XXXX Charge Off {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$32000.00} Incorrect Consumer Information : XXXX XXXX Debts above belong to the consumer above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on several occasions with Equifax, XXXX  & XXXX. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.
Product: Credit reporting or other personal consumer reports

Ran My Credit Upon Relaese From XXXX And Realized Information I Sent To XXXX, Experian XXXX XXXX Were Not Updated To Correct Statues.. XXXX of 2023 Missed Payment Is False, I Did Not Miss ANY Payments
Product: Debt collection

I received notice dated for XX/XX/2021 that I owed a debt to a company that I have never heard of before nor ever entered into a contract with. Asset Recovery Solutions , LLC claimed that I owed them a significant amount of money. On XX/XX/2021 I sent correspondence indicating that I was willing to pay any debt that I might lawfully owe and that letter is attached. The letter indicated that the company had 21 days to provide validation that I owed them anything and they failed to do that. Three months pass and then I receive another letter from them dated for XX/XX/2021 with accompanying phone calls to my place of employment. This is harassment as I already responded once indicated I was willing to pay if they could show where I entered into a contract with them. I responded on XX/XX/2021 displaying the various federal violations their company and their clients are currently breaking. This letter is also attached. This company is calling my place of employment multiple times a day even after I have sent two letters indicating to communicate with me via mail only.
Product: Debt collection

So, I don't get no billing statement in the mail, not a call from the original creditor or the so called debt collector Allied Interstate. 

I discontinued XXXX XXXX roughly two years ago, all equipment was sent back and received by XXXX XXXX. I was simply told that all my fees where paid in full and that I had XXXX  balance, I was even told that I wouldn't receive a bill because it was not necessary because of no balance being due.

Well Well, 2yrs passes by with no correspondence between myself and XXXX XXXX, No Statements, No Nothing. But then I get a credit monitoring alert, this alert tells me that instead of these two clown companies doing the right thing and contacting me first, they decided to attack my credit reports which is unfair and anti business like as well. 

I dont owe a balance to XXXX at all when I spoke with them last.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Midland Financial has called  several times attempting to collect a time-barred debt that has since expired past the  Statute  of Limitations. The debt indicated was from  XXXX   XXXX  for the amount of {$2500.00}.     They have indicated falsely to me that it 's not a time-barred debt, and have also falsely indicated a wrong statue of limitations.     I was called several months ago and told them this, and told them not to call me anymore and they repeatedly have and have implied they can sue me for this.     This evening I was just called by a "  XXXX   XXXX  '' whose supervisor he said was "  XXXX   XXXX  '' and repeated these claims.
Product: Payday loan, title loan, or personal loan

I took a loan with Wells Fargo in XXXX, I used to pay the loan on time by auto pay without any issue. I had some hard time due to loss of income and the pandemic, it became difficult to make the payments on time. Then i was able to bring my loan current. 
I had a specific representative assigned who assured me the following : - The bank will waive some of the late fees once i brought my account current and paid 3 consecutive monthly payments on time.

- The auto pay will be reinstated as well. 
That was a lie because, no fees were waived and the account can't go back auto pay because of the late fees. She jerked me around, she made me filled out all the required paperwork, and emailed them to her to set up auto pay. When the payment wasn't drafted on the first of the month, I called her. this is when i realized it couldn't be done because of the late fees. If i didn't call i would have incurred another late fee. 
All i am asking the bank is to work with me to waive some fees, so i can pay the rest, bring the account current and reinstated auto pay. 
There is another issue, i can't pay this loan on line, or at a local branch. The only way to make payment is by phone, wait for 30 ' and be transferred over and over before the bank graced you with the ability to fulfill your obligation. 
- I got a severe form of XXXX in XXXX of XXXX, I was on a XXXX  for a month, and in XXXX. I loss income months of income, it took me a lot of time to get back on my feet. All i want is for the bank to work with me with these fees.