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

XX/XX/2021 - I paid off my entire balance on this account and verified that I had a {$0.00} balance. 

XXXX XX/XX/2021 - I received an alert from a credit monitoring service that I had a late payment reported to my account. When I checked, it was my XXXX XXXX XXXX  account. I did not charge any amount to the card and did not have it linked to any auto draft since I brought the account to a {$0.00} balance. Furthermore, I had not received a bill or invoice from the card issuer showing that I owed a balance. When I looked at the account, I was being charged an " annual fee '' every month since XXXX. Every month the " annual fee '' was not paid, a late fee was incurred and ultimately I owed XXXX XXXX XXXX  {$110.00} and was reported 30+ days late to all three credit bureaus. Also, if you look at XXXX XXXX XXXX  's account history on the credit reports, every month since XX/XX/2021, XXXX XXXX reported a {$0.00} balance owed until XX/XX/2021. 

XXXX 2021 - I contacted XXXX XXXX XXXX, explained that I did not receive a bill, asked why I was being charged an annual fee every month, and asked that the incorrect information be changed on my credit reports, and I closed the account. The Rep from XXXX XXXX XXXX  agreed with my complaint, corrected my balance to {$0.00}, closed the account, and sent me a letter agreeing to remove the late payment from my reports. 

XX/XX/2021 - Another late payment from XXXX XXXX XXXX  was reported to the bureaus, this time saying that I was 30+ days late with a {$57.00} past due amount. 

XX/XX/2021 - I called XXXX XXXX XXXX  and the Rep said that according to her records the account was closed Since XXXX and I currently showed a {$0.00} balance on the account. 

XX/XX/2021 - I submitted a dispute to Equifax disputing the XXXX and XXXX late payments as well as the incorrect balance. I also uploaded a copy of the letter from XXXX XXXX XXXX  reflecting that they would correct the reports. 

XX/XX/2021 - I received an email from Equifax with my dispute results showing that they " verified '' the accuracy of the information and that it would remain on my report. 

Now I don't know what do to. I have the bank telling me that the account is verified closed, it wasn't late in XXXX or XXXX, and that I don't currently have a balance. But Equifax will not remove/correct the information in the report.
Product: Credit card or prepaid card

I contacted Capital One at the advice of XXXX  to have them request to have a credit card account added back to my credit report. A supervisor from Capital One stated that they don't work for XXXX  and that they do not send requests. He stated that XXXX  is responsible for adding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX NC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from capital one, I do not have a capital one credit card, nor have I ever applied for a capital one account of any sort. I just checked on my credit report and found this, the inquiry is on XX/XX/XXXX of 2017.
Product: Checking or savings account

on XX/XX/19 I attempted to deposit XXXX into the atm XXXX at us bank.at XXXX its took my money and then the door to the money collector opened and the screen was telling me to take my money back but it wasn't there to be taken out. about a few seconds later it showed malfunction on the screen and issued me a receipt telling me that the atm malfunctioned and that I needed to call the XXXX which I immediately did and they opened a claim and I was told it would be resolved quickly but that it could take up to 10 days and my issue is I have called every day between the branch itself, the customer service and the claim department and they all have been giving me the run around. I have bills mainly my rent that I can not pay due to this issue. I have taken off one day of work already to talk to someone in person and still nothing has been done. In addition to that I found out other people were experiencing this same issue so instead of them posting the atm was malfunctioning and not working they continued to let people use the atm, Now that I am facing eviction and that I have to go to court next week and face court charges and fees to deal with this issue and I feel its not right because it wasn't my issue to begin with. I am considering filing a civil suit against them because this has caused me emotional stress and hardship giving how its effecting my living situation and other finances. I feel there is something they can do and I feel they just aren't doing it. They definitely are not showing a sign of caring either. I am just highly frustrated and I am pursing this route because I feel its unfair and irresponsible on that branches part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Money transfer, virtual currency, or money service

On multiple occasions i have verified my ID with coinbase. But now all of a sudden i can not sell my assets nor i can buy new ones for no reason. When trying to contact their support, its a 3 hour wait and that chat gets timed out too.
Product: Mortgage

I have an escrow account set up with my mortgage. I re-negotiated my homeowners insurance amount with my insurance company to a lower amount. A new declaration page was sent out showing the change. There was no bill. My mortgage company paid it as a bill. I can understand that mistake, but then two weeks later after paying that bill, a new insurance company sent a much higher bill for payment for XXXX XXXX and that was paid without my authorization! My homeowners insurance was paid up to date until XX/XX/XXXX so neither of those payments should have been sent out! I called them twice and they said they have no safeguard in place to protect our escrow accounts. If a bill comes, they pay it! I did not sign any change forms authorizing a different insurance company to bill my mortgage company. They pretty much said " oh well '' HELP!!!!
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have been contacting Equifax to request that it block adverse accounts resulting from XXXX XXXX pursuant to 15 U.S.C. 1681c-3 ( b ) and 12 C.F.R. 1022.142 ( e ) ( 1 ). Every credit and specialty reporting agency has blocked the negative accounts except for Equifax, who has created overbroad criteria to deny me. I have included evidence with this letter, which shows other agencies promptly blocking the adverse accounts upon submission. I should note that these agencies possess identical documentation to Equifax. This further proves my claim of Equifax discriminatory and unjust actions towards me and my unfortunate situation. The Supervisory Highlights that your office published in XX/XX/XXXX indicated that certain CRCs are still violating Regulation Vs human trafficking requirements, effective as of XX/XX/XXXX, by failing to block information identified by the consumer within four business days. In response to these findings, your office has put CRCs on notice to revise their compliance processes to ensure that they process all human trafficking block requests in accordance with the requirements of Regulation V. It appears that this was not the case, as I, along with many others, continue to be trapped in negative credit reporting.

The validity of my trafficking documentation is still being questioned by Equifax. When the representative from the agency refuses to provide confidential information regarding my case and health information, Equifax use this as an excuse to decline my request. Equifax should not be making calls to further expose my situation to any individual who answers the phone when they have no authority to do so. Equifax discriminatory and willful actions to violate the law have jeopardized my life, as I am unable to secure a new residence and capitalize on other credit opportunities to reconstruct my life.

Despite my exhaustive efforts to date, Equifax has nonetheless deliberately, willfully and negligently failed to block accounts relating to Human Trafficking as required by the FCRA. I am kindly requesting the assistance of CFPB ( Office of Enforcement ) in order to hold Equifax accountable for their actions should anything happen to me, as they have prevented me from being able to move and have placed me in a position of significant danger. 

In order for Equifax to process my block request, I have submitted all of the required documents for the CFPB to review. Equifax is not authorized or justified to deny my request in accordance with the law.
Product: Mortgage

I called in to inquire about my monthly escrow amount increasing when my loan servicer changed from XXXX XXXX XXXX Selene Finance in the month of XXXX. The first time we received any written information about the service change was XXXX XXXX 16 days after the first payment was past due. We are being charged fees, and the escrow amount has been changed without written notification. I called in to get more information about the escrow change, however, XXXX was not able to provide any information and informed me they only accept escrow requests in writing. I asked to be pointed to the company policy stating they only service escrow questions in writing ; however, they stated no such written policy exists and they were unable to provide the information. I requested to speak to a supervisor about obtaining the company policy, but, XXXX refused to transfer my call to one and claimed a person named " XXXX '' was also unable to locate any policy in writing about the escrow process. XXXX stated that they are not allowed to provide their representative ID number per company policy. I was provided with a call reference number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Fraudulently opened Identity stolen XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00} XXXX XXXX opened with account # XXXX  XX/XX/XXXX and a balance of {$760.00} XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$190.00} XXXX & XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00} Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

this is my third disputing inquiries within the last XXXX months. I keep getting inquires that I didnt approve. XXXX of which I told Experian that I didn't approve that lender to pull my credit. I was told that because I bought a car from a completely different lender, They can't delete that inquiry because the only lender that i approved to pull my credit on that day, which was supposed to be a soft pull from the only approved lender. Ended up no showing at all on my report. I was told that that lender might have shared my information ( without my consent- which is the definition of unauthorized ) with the other lender. 

That doesn't seem to be a legitimate excuse to allow that unauthorized inquiry to stay on my credit report. the following are the disputed inquires. 

Hard Inquires : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Bank of America reported account closed XX/XX/2021 : Bank of America reported account closed - again - this is a duplicate
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account Number : XXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX  XXXX is shutting down due to a {$12.00} million deficit. My daughter is a XXXX and we will have to transfer her to XXXX XXXX XXXX. 
This is insane and I just wanted to document it. We are going to XXXX XXXX on Friday for an Open House. We have invested $ XXXX into my Daughter XXXX education for XXXX years at the XXXX XXXX XXXX, her XXXX was XXXX last year and the XXXX XXXX XXXX gave her a $ XXXX a year Scholarship. I want to document everything. 
Sincerely XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX and Zelle - XX/XX/2022 - Approximately XXXX EST  - Scammed amount is {$300.00} I was scammed {$300.00} via XXXX XXXX using the company Zelle putting a hold on the money and the buyer/scammer had to send an extra amount for the hold to be lifted and I have to return it. I was in a verbal phone call with the scammer and I was manipulated and pressured. 

I have called XXXX  XXXX XXXX immediately and I was transferred to the Zelle Fraud deparment. An agent stated he filed a claim and it will take 45 days to get a result. He also stated that what happened to me was a scam and not a fraud since I " authorized '' the payment, and zelle most likely will not credit me back the {$300.00}. 

My complaint is why they even bother putting a claim and get my hopes up when it's almost not gon na get credit back. I even borrowed that money from my dad and it added more pain to myself. I do understand I'm at fault as well, but everybody makes mistakes especially if I was being manipulated. Additionally, I never have received any warnings from both Zelle and XXXX  XXXX XXXX about these type of scams, If I had gotten this information from them maybe I would have not made the mistake. Please whoever is reading this and will handle this, I beg you to save me from awful emotions I'm having right now. Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting

Issue Incorrect information on my credit report : Account terms Describe what happened so we can understand the issue ... 
I have contacted Experian in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items and collections accounts on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card from GM Goldman Sachs was mailed to my home. I never requested or opened an account from GM so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine
Product: Credit card

CITI Bank had on many ocassions attempted to get me to submit an application for their balance transfer card. After being hounded relentlisly, I did complete an application. The card was for {$7900.00} transfer. I then received a denial for the card and my credit score had droped considerably. When I attempted to seek a resolution, my calls were not returned. My most recent and response is stating that I have a card, and this is fraudulent and unlawful. See attached, Hi. XXXX. We've closed your Citi XXXX XXXX Mastercard since it's been inactive for several months and based on information from your credit report. You may no longer make transactions on this account. Please immediately destroy all cards on this account and notify any users that it is closed. 
This is fraud and need to be prosicuted at the highest level. I'm asking for a speedy response.

Thi is a followup to my initial complaint. The attached is the latest dated XX/XX/2023.
Product: Debt or credit management

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. Discover bank 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.15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed underSECTION 1637 ( B ) ( 10 ) OF THIS TITLEa written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required underSECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. 
SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TRANSACTIONS. SEE ATTACHED DOCUMENTS.