23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

We disputed XXXX XXXX XXXX with Equifax on both myself and my spouse ( XXXX XXXX ), We even went to Court to bring an end to this dispute. We went through the Magistrate Court of XXXX County which brought an end to the dispute. The matter is now Closed and this was sent to Equifax to have the matter to remain after repeated request and the court documents to Remove and close this matter. It appears that Equifax shows positive items as negative stated Sells of Accounts that actually are Insurance disputes. We have had numerous complaints as well as a contact of Equifax being sued under a Class Action for the same thing. We need your assistance as my wife filed a claim under XXXX.
Product: Checking or savings account

On XX/XX/XXXX I conducted a debit card transaction in the amount of {$19000.00} to restore my vehicle after numerous disagreements between myself and the company which was XXXX The project was canceled and I was issued a refund on XX/XX/XXXX. Initially chase bank credited my account in the amount of {$19000.00} however after that and a few days later They re-charged my account in the amount of {$19000.00}. I have a return receipt from the merchant and Chase still refuses to re-credit my account.I have made numerous attempts in trying to contact Chase to resolve this issue however all my efforts have had negative results
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/year> RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

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

XX/XX/2020 I disputed the validity of my bankruptcy to Transunion, XXXX, and XXXX. All 3 bureaus in XX/XX/2020 replied that they verified my bankruptcy through a 3rd party vendor XXXX XXXX. I find that hard to believe since a security freeze was placed on my XXXX XXXX file in XX/XX/2020. There is no way the credit bureaus verified my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

According to : 15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They are calling repeatedly using many different phone numbers while I am trying to work. It's more than XXXX times a XXXX some days.
Product: Payday loan, title loan, or personal loan

1 year About received payment from program government never get till now .. because I'm no have experience in program so. What I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLECTION, 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 an account without my written instructions. 
This is a fraudulent account ; I do not open any account with this company.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$13000.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months Account info Account name XXXX XXXX Account number XXXX Account type - Responsibility Individual Date opened XX/XX/XXXX Status NO STATUS Status updated - Balance - Balance updated - Recent payment - Monthly payment - Original balance - Highest balance - Terms 1 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my positive credit history was completely deleted from my credit report. 
Sunday, XX/XX/XXXX, I got a notification from several platforms notifying me that my credit score has dropped drastically, from XXXX to XXXX. I called Equifax, ( on XXXX XX/XX/XXXX ), around XXXX and spoke with a young lady who stated she was unable to help me with any information. I called back around XXXX and spoke with XXXX. I provided all of the security answers for him and advised him of the change on my report. He was very kind and helpful. He told me that on his side, he was able to see all of my positive accounts such as credit cards and car loans paid on time. He told me there was nothing to worry about and mailed out a copy of my credit report, confirmation XXXX. 
Monday morning, XX/XX/XXXX, I check the Equifax website myself. My score is now showing at XXXX with NO POSITIVE INFORMATION. I called Equifax again at XXXX and spoke with XXXX XXXX He was kind at first, but was not understanding what i meant. He kept telling me that Equifax and MyEquifax are two different sites and that Equifax can be incorrect. I advised him that i am a paying consumer who demands my accurate information be updated as i have been denied credit due to their lack of consistency. I asked to speak with a manager, XXXX hung up on me. 
I called back at XXXX and was transferred to a manager, XXXX XXXX Employee ID XXXX. He proceeded to ask me security questions. I reported to him everything that was possible to be on my report, but he refused to give me access to my information. I have gone through this security test EACH time I've called. The one time I get through to a person that should be able to provide me with the assistance I am requesting, then all of a sudden, my answers are incorrect. This is a poor excuse of management. I find it funny how all of my positive accounts have been removed, yet, there are remaining negative accounts. How is this possible? They refuse to correct my credit report even though it is clearly their negligence. The irresponsible, inaccurate, and defamatory reporting of PAYING consumers ' personal credit information is illegal and i will seek public justice and compensation if this is not corrected immediately. 
I previously had a XXXX  complaint filed on this company in XXXX of XXXX. This seems like retaliation and my lawyers will be notified immediately. 
This is absolutely unacceptable. I demand all of my positive credit history/current accounts be placed back on my credit report immediately. 

I am requesting all of my positive information be placed back on my credit file immediately. Also due to your negligence, I was denied approval for a new line of credit. Therefore, I am requesting you have the XXXX XXXX inquiry of XX/XX/XXXX removed from my credit report.
Product: Checking or savings account

Twice within the span of a year, Bank of America has declared me dead. XX/XX/XXXX they said they transposed digits to someone else 's SSN for their death certificate and they ended up inputting my SSN instead and sent my SSI check that I live off of back to SSA. It took until XX/XX/XXXX to receive the 3 months of funds that I didn't get on time due to this error. 
On XX/XX/XXXX, Bank of America did not deposit my SSI direct deposit for XXXX into my account, NOR did they send it back to Social Security Administration or notify them that Bank of America declared me dead again. We spoke to BoA on XX/XX/XXXX and XXXX XXXX ( a representative from the bank ) informed us that they received a death certificate for me from a 3rd party on XX/XX/XXXX. After talking with the bank again on XX/XX/XXXX, we were told there was no death certificate or 3rd party. SSA still has me as alive, and received no notice from Bank of America that they declared me dead. Bank of America committed bank fraud by not depositing the money into my account, and by not returning the money to Social Security Administration. This also constitutes as wire fraud because it was direct deposit, and I face losing my home for the 2nd time due to Bank of America 's federal criminal actions.
Product: Debt collection

XX/XX/2017, I was involved in a car accident. I had XXXX for a auto insurance carrier and XXXX XXXX for my health insurance. The insurance had already met the policy limit with XXXX and they was supposed to be paid with XXXX  XXXX. I provided the health insurance company with the Letter and payment history to let them process the claim. I called XXXX XXXX for a year and half now. I haven't go nowhere. I met my health deductible with XXXX  XXXX so it should been paid in full. Now, I have this PHOENIX FINANCIAL SERVICES LLC that never sent me a bill nor provided me with this debt.
Product: Credit card or prepaid card

This is a system issue because the same issue has happened to my mother. Navy Federal Credit Union will ask for a password when verifying the account. Its a password that each customer can choose. After speaking with a representative I received a email stating my password has changed and if you have not changed the password please call Navy Federal CU. I call back and sure enough my password was changed with out my permission. My mother had the same problem with NFCU. At that point they refuse to help you and refer you to a branch or fax documents. The problem with this is my account is going to be late and possibly have a negative 30 days late. They dont send me statements because I am no longer a member otherwise I would mail in my payment. Since I no longer have the Credit Card I do not have the number to mail a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im dXXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX and XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX XXXXo ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from One Main Financial, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times. 

I've emailed the company ( one main ) without response. I've also filed requestes with XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations I never live at these addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX PASS XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX LEGACY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Names is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES CAPITAL XXXX BANK XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to the account appearing on my credit report. According to that record, I have an account with them that is erroneous. By Section 1681 ( g ) they must grant me a brief description of the method that seemed to validate that the account listed below is " correct ''. 
XXXX XXXX XXXX XXXX Account Balance : {$31000.00}
Product: Debt collection

Manager there told me that she answers to no one. I asked where I can report her and she said there was no where to report her and there was no need to try as my problem will only be solved through her. Luckily we live in the day of information. I would highly recommend reviewing the number of complaints about this facility. XXXX reviews show that every person who calls gets this same treatment.. The manager I spoke to informed me that she answers to no one so I assume that 's how she runs her whole department. Absolutely ridiculous.
Product: Debt collection

I am being harassed via spam telephone calls to collect on a fraudulent debt. Request to stop contacting me and to provide proof of the validity of the debt are being ignored.
Product: Checking or savings account

XX/XX/14-I was in the grocery store and when I checked out my card was declined. Shocked because I knew over {$2000.00} was in my account. I tried to withdraw cash and I couldnt. Got a message saying card is restricted. 
I proceeded to go to Citibank on XXXX where I do my banking. They said they saw nothing wrong with my account and it should not be frozen. They said they couldnt unblock it in the branch without calling Citibank customer service which we did. They said they couldnt unblock it either. Long story short, I called every dept I could, over 10 calls and NO ONE will tell me why my account is frozen. 

XX/XX/15 I tweeted for help, emailed executives and nothing. I have no access to my MY MONEY and this is my business account. A client was told my account is frozen. This is unacceptable! I cant even buy food, pay bills, employees, etc. Its one thing to freeze an account, its another not to tell me why! 

Enough said.
Product: Debt collection

I do not have a signed contract with this company. If so, i am asking for the company to provide me a copy of the signed contract with them as prove.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 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 I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed/XXXX has placed a unknown account on my Credit Report on XX/XX/2013 in the amount of XXXX I demand that the account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see timeline of letters Mailed to credit bureaus. 

Mailed XXXX This is my first correspondence with your company. I have not rec 'd a replyasofyet. 
Mailed XXXX This is my second correspondence with your company. I have not rec 'd a replyasofyet. 

Mailed XXXX This is my third attempt at correspondence with your company. I have not rec 'd a response for any of these lettersasofyet.
Product: Debt collection

1.Unlawfully obtained a continuance for judgment and followed with a garnishment without proper due process.

2. I was served ; the court record has no process serving address or date in which I was serve to re-appear in court ; no address on court record.

4. Damaged my credit.

5. Served a former employer with a Writ of Garnishment where I have not worked for 3 or more years; damaging my professional credibility and relationship with this employer.

5. Sued me in a state where I do not live or did not sign for the debt.
Product: Debt collection

They keep on calling my work several times a week. This is a debt I did not know I had because I was paying monthly through my checking account and was always current. I asked them to send me paperwork showing the debt I owed and said they would not.
Product: Mortgage

We applied for a loan modification from Selene Finance after our mortgage was sold to them from XXXX XXXX XXXX. We timely made all 6 of the payments requested as contracted for during the trial modification period through XX/XX/2017. The amount that they put on the contract for modification included thousands of dollars of ridiculous fees but we agreed to it anyway just to get the loan modified. They sent us paperwork to finalize the modification which we signed and returned. They have now failed to send us fully executed modification documents. They have told us they would be coming. I will not pay the mortgage into the suspense account void that continues to incur bogus fees until I have the modification documents. We have been requesting them for 2 months. They are telling us to pay back due payments and it is not the deal that was agreed on. Now they are sending an intent to accelerate and foreclose. This is the same thing we went through last year. Now rates have increased and we believe that the Bank is trying to renegotiate their loan modification to increase the rate. I have all of the paperwork. I think they are crooks with terrible customer service.