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

On XX/XX/2020my wallet was stolen which included my FL Driver 's License, Social Security Card and my credit cards .... I called my creditors and informed them what happened and received new account numbers .... On XX/XX/2020, I received a call from XXXX  XXXX fraud dpt asking me if I tried to open a XXXX   credit card with XXXX  XXXX, I explained to her about the theft on XX/XX/XXXX and the application was cancelled and noted as fraud. The XXXX  XXXX representative gave me the numbers for XXXX, XXXX XXXX and Equifax, ,also the identity theft.gov where I filed the complaint on XX/XX/XXXX ... 
I have been successful in getting a credit freeze with XXXX, and XXXX ; however, I tried calling Equifax on Saturday the XXXX, and they were closed. On Sunday the XXXX, I tried getting a freeze on their website and before I could finish I needed a pin number and I could call, or they would mail it to me. I decided to wait until Monday to call and speak with them, but it is an automated system which apparently could not verify my identity after I gave them my name, DOB, and SS # ... .. I emailed them informing them of my situation and if credit card was opened fraudulantly, they would be responsible due to their negligence ... .. They are the worst, they should be shut down ....
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX XXXX XXXX Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer XXXX  to XXXX  between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Checking or savings account

I had my phone stolen and the perpetrator used a digital wallet on my phone to make a ~ {$220.00} purchase at a retail store. 

After submitting a claim for this, the claim was denied with Chase indicating no new devices had accessed my account and my password wasn't changed when the transaction was made ( due to the perpetrator having my phone logged on to chase at the time- I was passed out and believe they used the faceID function to log in ). 

I have given Chase the police report filed as well as the receipt/invoice for my new phone ( along with documentation that my online password was changed the day after the fraudulent charge was made ), however the Company keeps telling me they can't open the claim back up even with any new information and that I should contact the retailer directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681-1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

This law has been broken and violated and the inaccurate information from XXXX XXXX XXXX XXXX account # ending in XXXX and XXXX  account # ending in XXXX have yet to be properly invested, updated nor deleted. 
All of 2022 certified mail has been sent to this XXXX XXXX company and they signed for it but can never find it or furnish it upon any of my requests as a consumer. 
Id like all information of payments be updated and corrected on these two accounts across all 3 credit reporting companies, XXXX, Experian, and XXXX ....
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 XXXX USC XXXX. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

This phone number has made numerous calls to a phone number that is not and never has been registered to my name. They have on multiple occasions left my personal details on an answering machine that is not mine.
Product: Debt collection

3rd Reinvestigation for XXXX XXXX XXXX this account and delete as soon as possible, because this account is pass the statute of limitation to collect for the alleged debt, for reporting inaccurate balance which is a nonfactual account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted dispute letters to Experian, XXXX, XXXX, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports.

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus.

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports.

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy.

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.
Product: Vehicle loan or lease

On XX/XX/XXXX, Wells fargo denied the refinance of our XXXX XXXX XXXX. We were trying to lower our payments due to the Covid-19. The lowering of these payments would help save us $ XXXX/month which we could put towards savings to help off set the salary reductions we experienced as a result of the virus. 

Wells Fargo denied us stating that a reduction in payment of $ XXXX/month wouldn't not improve our financing situation. What they really said was Wells Fargo 's financial position would not be improved. 

We have paid our loan on time for over 3 years ... never once missing a payment and this is how we are repaid. I attempted to speak with the underwriters and they just said the same thing.
Product: Debt collection

The American Express office in Arizona called my neighbors in Texas, XXXX mother in Missouri, my daughter in Texas, my daughter in Illinois and my wife 's employer about payment. These phone numbers were illegal obtained and no permission was given to AMEX to contact these people and state there were attempting to contact my wife or myself. Contacted me after I asked not to and Contacted my wife 's employer.
Product: Debt collection

I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.
Product: Checking or savings account

As of today XX/XX/year> funds still have not been recieved. I was told these funds could not be sent back electronically, and had to be sent by check on XX/XX/year> which I've attached an email from sofi to confirm this version, upon constant phone calls I get another version from XXXX support stating that the funds were actually sent electronically on XX/XX/XXXX which ive also attached this version as of today XX/XX/year> still have not been recieved. I've attached an email from XXXX this morning to also verify that they have not recieved these funds.
Product: Mortgage

My mortgage company Megastar Financial changed their billing address, and in the process they also changed my account number. I had been using an Automatic Draft Payment option, which somehow did not get transferred. I never received notice that I had an intermittent payment due, but I did get phone calls Megastar Agents on numerous occasions ( even after I had fixed the problem. ) Then, when I tried to adjust my account numbers, the steps were numerous and cumbersome, and resetting the Auto Draft program was delayed. This delay also happened without Megastar notifying me, until an agent called and threatened me with a Collection Agency. The worst part was that she could even see that I had Auto Draft set up, but that it was n't activated yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 Equifax did not address my dispute for removing fraudulent items. Instead they sent me a letter that had no context or value to the situation
Product: Vehicle loan or lease

I purchased this truck through CREDIT ACCEPTANCE CORP after I filed for bankruptcy the vehicle loan was not included in the bankruptcy. I found out that CREDIT ACCEPTANCE CORP decided on their own to list the vehicle financing in the bankruptcy. I called the finance company and tried to explain that the vehicle was not included in the bankruptcy but the finance company wouldn't listen and has listed the loan on my credit report as closed and isn't reporting any payment information thus affecting my credit negatively. They now require me to sign a reaffirmation document which I should not have to sign because the loan wasn't included in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Equifax credit bureaus are required to authenticate this accountss under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. XXXX. Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I emailed a letter to equifax along with the various other reporting. Equifax is the one agency in particular I am having the problem with. I have only recently received an email response from them. The email sends me to a website to but I ca n't access anything on it because the page is an error page. I have tried called Equifax and they just seem to want to run around in circles.
The problem I am having is on my credit report Equifax has mixed up my information and my sisters. They ca n't seem to separate the two of us. They ask me to verify her information but I ca n't its not mine to verify. My sister 's name and social security number and her loans are listed on my credit report. She recently finished a XXXX which shows up with all of her loans on my account. Once I realized this problem. I contacted each loaning agency. I called to verify with each account that I was not listed as a holder of that account by my social security number and name or as a co-signer for my sister. Each vendor verifed this information but Equifax does n't seem to be able to make these changes. They are acting like a dishonest and lazy company.
All companies and the specific issues on my credit report are listed on the credit report and the letter submitted to them.
Product: Payday loan, title loan, or personal loan

I was told verbally and in an email from a company representative that my loan would have a 0.50 % rate discount. After I signed the papers, I only had a 0.25 % rate discount. After several calls to SoFi I was told that my loan only qualifies for the 0.25 % rate discount.
Product: Payday loan, title loan, or personal loan

I called affirm to let them know that the hotel refunded back the XXXX dollars and I uploaded the receipt to let them know that my loan is XXXX dollars less and they won't give me back my money even though I sent them my receipt. All they keep saying is to call the hotel but the hotel already gave me a receipt with the amount they charge. I also called the hotel and they said the XXXX dollars was refunded and the receipts shows this. I have been dealing with this for XXXX months.
Product: Credit card or prepaid card

My problem exist with Capital One credit card division. I have been a customer for seven years. When I applied for the card it was pre paid. During my initial signing of the agreement, it stated that if I kept the card in good standing my card would be changed into an unsecured credit card. During the sevens years of my card, I have never been late, I pay my balance almost every month. I rarely have carried a balance.I have called on 10 different occasions to request for a change. I never got any corespondance as to why I they will not change credit card status. They are holding XXXX. I have requested that it be switched. The bank says I was under review. And when my time comes they will switch over. I can not understand if I have followed all the guidelines and did what they asked, why will they not switch the card to an unsecured card. My credit score has been very good the entire period of the card after establishing credit with them.The last conversation I had with the representative, I asked who should I send a complaint to she said she would write a complaint and send it in. I received a copy of an agreement that said nothing about a pre paid card. I do not want others to be a victim. I can only imagine what they do to customers in a bad situation with them, if they are treating me like this. If I close the account my credit will be effected negatively. If I leave it open I will not receive my XXXX dollars.My request is that switch me to an unsecured card.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been attempting to enroll in a Covid 19 program for payment assistance since XXXX. 
Here are the notes we have on our end : XXXX XXXX first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XXXX emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program XXXX temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that XXXX Investors was not reporting any late payments at this time. 
XXXX emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX for an updateXX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XXXX XXXX Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XXXX XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a credit card dispute on my XXXX XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX XXXX credit card account was removed from my credit report and I called XXXX XXXX and explain that I never wanted my credit card and there was glitch on Experian report or XXXX XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on Experian and XXXX and XXXX XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY EXPERIAN AND XXXX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Discover Card sued me in Indiana Small Claims court and entered a judgment against me that exceeds the {$6000.00} Indiana Small Claims court judgement amount. 
In an attempt to collect the debt, my bank account was seized. I requested a court date, as my bank account contained both FEMA and Unemploment derived funds. The attorney for Discover Card phoned into the hearing and lied to the magistrate. The magistrate informed the Discover Card attorney that the funds were indeed exempt, and the funds were returned to me. 
I have checked my county 's online database, and discovered multiple Discover Card entries on magistrate 's dockets. Is there some type of judicial abuse going on in XXXX XXXX, Indiana? 

At the proceedings supplemental, I told the same magistrate that I had not received the paperwork the attorney showed me outside the courtroom. The magistrate 's response was, " I 'm not buying it ''. I told him I need to received all my court / legal / financial notices. After the magistrate announced, " adjourned '' and left the court room, the magistrate 's bailiff, ordered me to meet with the XXXX. I told the bailiff, that the magistrate just announced adjourned, meaning I was free to leave. The bailiff told me he could have me detained / arrested by guards. All this with my then terrified four year old in tow. We left the court room, not knowing if we would be detained / arrested. 

How is any of this behavior legal, and where can I file a complaint. I also plan on contacting the FBI. 

Thank you.
Product: Money transfer, virtual currency, or money service

XXXX  and Citi are withholding credit from companies that deal in firearms which will obviously cause some to go out of business. This will affect my Second Amendment right to purchase firearms for self defense. This after my tax money was used to bail them out after their incompetent business dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert about a hard inquiry on my credit from Pentagon FCU ( Federal Credit Union ). This was not authorized by me or anyone in my family. Nor did I ever speak to anyone at this bank about a loan. I have contacted the bank to no avail and I've submitted a complaint to XXXX with no results. This is fraud and it needs removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions during the past 45 days I have filed two disputes of XXXX accounts with TransUnion reporting agencies and they havent been updated. There six accounts reflected as derogatory from XXXX. These accounts have reached the seven-7 year retention schedule and need to be removed immediately