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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$680.00}
Product: Credit card

On on or about mid XX/XX/year> I was notified by XXXX XXXX XXXX XXXX that my personal information, including sensitive details such as my name, Social Security number, and financial data, was compromised due to a security incident. This breach has led to unauthorized access to my accounts and resulted in fraudulent activity being reported on my credit report. 

Then again XXXX also notify me as well. As a consequence of this breach, I discovered several fraudulent accounts and transactions that I did not authorize. These discrepancies have now created significant challenges for me. Specifically : Fraudulent Accounts** : My credit report now shows accounts that I did not open, which has adversely affected my credit score. 
I am actively working to resolve this matter by disputing the fraudulent entries on my credit report and seeking assistance from credit monitoring services. However, the immediate effects are hindering my ability to manage my day-to-day expenses effectively. 

I kindly request your understanding and support as I navigate this challenging situation. If you require any additional information or documentation regarding the breach or the fraudulent activity on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very briefly, Transunion failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ). 

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to Transunion ( `` XXXX '' )
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXXXXXX Account Number:XXXX XXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXXXXXX XXXX XXXX  Account NumberXXXX  Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX  Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks.
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 : Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or prepaid card

With XXXX XXXX XXXX XXXX preferred  Card.

I opened my account on XX/XX/XXXX. I was seeing 2 offers at that time, first one is {$150.00} back when spending XXXX  first 3 months, the other one is {$250.00} back when spending XXXX  first 3 months. Apparently I clicked on the wrong link, even though I thought I saw {$250.00}, but then they told me " no, it was XXXX  offer I saw. '' I had screenshot the offer from XX/XX/XXXX. Please see the attachment image from XX/XX/XXXX. 
Then no long after I applied, they changed to XXXX  back with first year fee {$95.00} waived, XXXX, it is very close to the offer I initially saw. I called the customer service again to ask if they could waive my XXXX  fee instead, since it is the offer now. Both the customer Rep and her supervisor told me there was no way the fee would be waived.

My boyfriend heard the story, he felt bad, since he was the one who referred me to open the account ( which he should have gotten his referee fee, they could n't credit him either, because I clicked on the wrong link ). My boyfriend called in from his account and phone number, we gave the Customer Rep authorization to look into my account, she said she talked to her supervisor and was able to credit me the {$95.00} intro fee in 2-7 days. That was on XX/XX/XXXX.

9 days passed, I did n't see any credit amount on my statement, I called in again. Same thing, the lady told me she talked to her supervisor, there was no way to credit me the intro fee {$95.00}. My boyfriend got annoyed, he called in again. So it turned out they credited him the {$95.00} intro fee because he 's been with Amex for a while. How ironic!!!

However, as first time female customer, I was not able to get fee waived at all because I clicked the wrong link. First of all, why would they show 2 different offers at the same day same exact time, just because I clicked the wrong link, I did n't get XXXX offer. Then Why was my boyfriend got intro fee waived after being a long term customer, and I was not. He called in on my behalf anyways, ironically Amex waived him the fee.

So he ended up telling the customer Rep to transfer {$95.00} from his account to mine since he felt bad what happened to me. The unfair treatment to Amex customers! I felt ashamed by how Amex handled my situations.

I have contacted Amex through chat, phone twitter multiple times ( at least 8 times ), I could n't get any credit or fees waived. My boyfriend called in once- got his intro fee waived even he was calling on my behalf, oddly enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the credit agencies that my personal information should be reviewed & corrected.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern : I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me, XXXX XXXX, for account number XXXX. In the amount Of {$480.00} Due to possible inaccuracies in these credit reports, I lawfully request the debt validation be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 15 calendar days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from reporting agency reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone applied for a XXXX ( XXXX XXXX XXXX ) credit card on XX/XX/XXXX in my name but shipping to a different address. I have been disputing this fraudulent inquiry on my Equifax credit report since XX/XX/XXXX. I have called Equifax 18 times and mailed 6 requests for them to remove an inquiry where someone else tried to apply for a credit card in my name. I have sent the documents from the creditor confirming that someone in another state applied for XXXX card using my personal information. I filed an FTC twice and spent 2 hours at my local police station filing a report but Equifax still hasn't to remove this inquiry.
Product: Credit card or prepaid card

I had my XXXX account for over 10 years and when they offered 0 % interest for 12 months on my appliance and lawn furniture the company went out of business. Later Synchrony Home offered a new account but I was unable to use the card due to no stores in my area at the time. After several call to discuss my payments and why the balance is so high they never provided me an understanding on why my fees and interest kept rising but balance never went below 3K? Additionally, I had some bank fraud in XXXX to XXXX and explained to the associate what was going on but I was unable to pay the increase fees that was not waive. Now they sent this account to XXXX  a collection agency. I feel after the store went out of business there was bad accounting practices and never accurate. I was a very good paying customer on this account due to my inquiries they elected to close the account XX/XX/2019 stated no payments but was willing to pay if the provided validation of debt first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax & XXXX  are reporting accounts that I have no knowledge of.
Product: Checking or savings account

XXXX XXXX  XXXX XXXX XXXX XXXX, Kansas, during year of XXXX, I opened up XXXX account for new construction on my home. It was supposed to be locked in 4 % and at that time, I had a job and was in need of both checking and savings accounts. 

But after being unemployed, XX/XX/XXXX, and used up all money in my savings, I asked to close the XXXX account, no longer needed. I was refused, I was told that I must keep open for HELOC loan. 

Then I started seeing they were charging me monthly $ XXXX for savings account, whether I had money there or not. They never sent me a notice that this was going to happen. 

Also the HELOC account is not payable from my checking account. I must deposit in my savings account and they pull on XXXX every month, sometimes earlier without notice and makes me overdrawn, on dates they pull earlier. 

When I pay extra money towards my principal, they do not apply to my principal. They hold onto it as if I gave them FREE MONEY! I have asked them several times to apply to my PRINCIPAL! But the amounts still remain 2 years later NOT APPLIED! 

My HELOC loan was supposed to be locked in for 4 %, now this year XXXX, I have noticed it fluctuates with the higher interest rates of the government, especially since it was taken over by HTLF Bank! This was not my understanding at all, when I came into the bank in XXXX, It was supposed to be LOCKED IN 4 %. 

They refuse to send me statements, make me look online, sometimes, I have no internet to see online. This makes this very difficult to know when they make errors, changes to my account without my knowledge. 

XXXX XXXX XXXX
Product: Student loan

In XXXX XXXX, I graduated from school and initiated an income-driven repayment plan with XXXX XXXX, now Navient. I made IDR payments monthly and on time from XXXX XXXX through XXXX of XXXX. I XXXX XXXX I requested an internship/residency forbearance to start in XXXX of XXXX through XXXX of XXXX, when I graduated residency and resumed income-driven payments. My XXXX of XXXX loans were then transferred to XXXX in XXXX of XXXX due to my qualifying for the public service loan forgiveness program. 

Navient has inexplicably recorded that I was in forbearance from the start of my residency in XXXX XXXX, in spite of the fact that I was in an income-driven repayment plan from XXXX through XXXX and made all payments on time. I would not have requested a forbearance to cover a time period that I had already made payments. I have spent countless hours on the phone with Navient customer service who will, on the phone, state understanding of my dispute and that they will fix it, but then when I call back it turns out that the request has been 'denied ' by unknown individuals. I never receive any written notice of this denial, I am forced to call and wait on hold ( at times for up to XXXX hours! ) to speak to an individual. 

Because their records, provided to XXXX, incorrectly state that I was in forbearance form XXXX through XXXX, I have approximately XXXX years of payments that should have qualifying PSLF payments that are not being counted. 

They also have refused to provide me with any direct phone number to their department. Their automated phone number apparently rejects my phone calls and transfers me to an offshore federal loan servicing department that then has to transfer me back to XXXX of XXXX. The reason stated for this is that my loans are no longer 'active ' with them so I am not allowed to call their customer service line. Needless to say, this has wasted hours of my time trying to get the people on the line to deal with this issue.
Product: Debt collection

Onemain financial company belongs to my daughter, I call my daughter, and she told XXXXr that it had been only 20 days late, but on their ( onemain ) contract it stated it have to be 30 days late before they put it on your credit report and. My daughter let me know that she was paying it tomorrow, which she did, and it wasn't 30 days, it was only 21 days late, but the worker threaten me about this if I didn't pay for my daughter bill, when my daughter wasn't actually late, so she put this dispute on my credit report and I would like to dispute it please
Product: Credit reporting or other personal consumer reports

XXXX transferred their existing accounts to Westlake Portfolio Management without notification to customers. Westlake has been marking missed payments on my account that has a XXXX balance instead of closing it. This has caused my credit score to XXXX. The account has been paid off for 5 months and each month they mark me as a missed payment. When I call Westlake they can see its a XXXX balance but can not fix or disconnect me before they can rectify the situation. The customer service email provided also bounces back. I can not fix this, they will not help and this is ruining my score.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX, I saw a post on XXXX for XXXX XXXX XXXX XXXX tickets. I contacted the seller and she told me the tickets were still available. She asked if I had a XXXX account to be able to accept the tickets, which I do. She then asked if I have used Zelle before thru my bank. I have used it 1 other time for sending to a family member. We agreed on a price for the tickets and she told me they were ready to be sent to me thru the XXXX online ticket exchange. I authorized the payment and she told me the tickets were on the way. After about 10 minutes of not seeing anything, I contacted the seller and she went dark. No answer, no response and the phone was turned off. I immediately contacted Zelle to stop the payment and was told be their customer support that I would need to contact my bank directly and they have nothing to do with the transaction. They also told me, well this app was designed to pay only friends and family and shouldn't be used to pay for goods. There advertising says something different. I immediately contacted my bank, XXXX XXXX, and was told that the transaction already went thru. There is nothing they could do. With the hype of the sporting event, I guarantee she scammed several people, without any action taken against her. The thing that really makes me angry is they have her name, phone number and bank account but yet will do nothing about it. I am out {$430.00} from this incident and will never even consider using their service ever again.
Product: Money transfer, virtual currency, or money service

DENIED ACCESS TO SAFE DEPOSIT BOX Have tried since XX/XX/2020 to get access to safe deposit box located at ; BANK OF AMERICA XXXX XXXX XXXX. 
XXXX, Ma. XXXX. 
Because of virus, notice on door directs customers to go online to make an appointment to access box. I have been on website, filled out form only to be told " We're reviewing your request ''. They took out {$260.00} for payment of my box in XX/XX/2020. 
I can not access important papers, title to car, will, and IMPORTANT HEALTH DOCUMENTS. 
I then went to a financial center of Bank of America and spoke to XXXX who stated that the woman in charge of answering emails was out for 3 weeks. 
I need help getting access to papers, and information in my box.
Product: Credit card

my bank 5/3 text me and low account but then took my other card ending in XXXX the was also low and transform money in my main account that was low too in which cause XXXX to be over draft on that account been that they did not just stop payment on card XXXX and transform it in to my low account of being low in the first place causeing me to be over draft and now paying for that with a XXXX charge to my low account if both account was low then why charge the XXXX card to my account in the first place causeing me to go deeper in the hole they should not pay the XXXX card to my account in the first place they should of decline payment in the first place been no money in both account and not put me in this mess this is unfair
Product: Credit reporting or other personal consumer reports

Hi, the erroneous information you keep reporting on my credit has already been deleted by both XXXX and TransUnion and were blocked from reporting said information, so I don't know why you keep reporting these errors on my credit this is extremely stressing me out. I have contacted TransUnion and a representative confirmed to me that they are already deleted from my credit report but I still see it which is super frustrating.
Product: Credit card or prepaid card

XX/XX/2019 i submitted an application on XXXX. They misrepresented they asked for a second verification i was told i was a approved before i submitted the information. Was not approved. They have my address birthday social security number an phone number. I have applied before with this credit card company got a approved for a {$500.00} dollar deposit via email i was sent the approval. They are fake they will take your money. This is the email i sent my information too. XXXX XXXX XXXX this is what i received 72 hours later not to mention a duplicate application they said i submitted.