23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : XXXX XXXX Equifax 's Noncompliance with Final Rule XXXX ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Equifax has refused to block the items in my credit report that are directly linked to human trafficking. Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against Equifax Information Services, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXXXXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX  ( CLOSED ) DEPT OF ED/ XXXX DEPT OF ED/ XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF ED/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1997 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Debt collection

I received a phone call at XXXX on Monday, XX/XX/XXXX from a debt collector ( Capital Accounts ) regarding a delinquent bill from my XXXX going back to XX/XX/XXXX. The original bill from the XXXX was {$400.00}. The debt collector told me that if I did not pay the bill immediately, he would charge me 16 % interest on the debt going back to XX/XX/XXXX. I was also told that if I did not pay the bill immediately, my credit score would be harmed. All of this seemed like a threat to pressure me into paying and I wanted to know if they could do what they claimed. I had received a bill from this debt collection agency on XX/XX/XXXX. I asked the man on the phone to hold while I look for the bill he had already sent me. At that point, he became irritated and told me he did not have the time to wait. I found the bill and began to question it. I determined that I would not get a clear response from the representative and terminated the phone call. I then called the number on the bill at XXXX and reached his supervisor. I asked the supervisor about the 16 % interest. He told me that I was already being charged the interest and that what his representative told me about the back charges of 16 % interest was incorrect. When I pressed him about the misleading nature of his representative 's claims, he responded to the effect that some " re-training '' might be necessary. I protested that it was unfair for them to mislead me. I can not recollect the precise exchange that followed, but I told the supervisor that I would look into this matter to see if they were allowed to mislead me. He asked for my email address, which I refused to give him. He asked that I confirm my address, which he did. I thanked him and terminated the call. Unfortunately, I do not have a record of the phone conversation, but the supervisor told me that they record all calls.
Product: Debt collection

I check my credit almost every day. I received a notice from XXXX  that I had a collection. I have disputed with XXXX  and I did call the company. They stated they dont have an address and they sent an email in XXXX to an email that is not mine and that I do not have. They did not try to call. I did not receive a notice stating to validate the debt or it will be added to the credit report. I received no notice about this debt and I want it removed immediately. The company is CONVERGENT OUTSOURCING and that amount is XXXX. It shows opened as of XXXX. I have not received a call or anything.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a string of unauthorized purchases started showing up on my PayPal. It was for a total of {$400.00}. It was sent to a card I DID NOT AUTHORIZED TO BE ADDED AND DO NOT OWN! This was my rent money! I noticed today ( the XXXX of XXXX ) when I went to pull my money and it was gone. I am in jeopardy of homelessness. 

I contacted PayPal over 4 ( 8 if you count the hang ups and 2+ hour waits ) times just to find out each rep did not leave notes. The first rep I talked to told me that I had unauthorized use in XXXX and XXXX, two places I've never been and that someone would reach out within 10 days. I INSTEAD got an email XXXX minutes after opening my claim that my claim was denied. I called 3 more times to explain I need help filing an appeal and I was hung up on, ignored, and told that I would be out in with a supervisor just to be put on a hold for over an hour. I'm dumbfounded on their customer service. This is hard earned money I worked for! Stolen! And nobody wants to help! Please help! Case opened : XXXX Multiple transactions to an account ending in XXXX I DONT HAVE AN ACCOUNT ENDING IN XXXX!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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 a 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 XXXX 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 or other personal consumer reports

Requesting Updated Credit report to reflect recent change to the credit File. Experian submitted information through Experian.com app advising the recent change to the credit file but has reflected a recent decrease of the credit score. I ask that proper changes are reflected and correct credit score, to show the positive changes on the credit file. Thank You.
Product: Checking or savings account

From XXXX to XX/XX/XXXX somebody made 9 seperate unauthorized transactions from my account Totalling {$1400.00}. On XX/XX/XXXX i submitted a dispute with chime bank dispute dept. They told me that i would receive a provisional credit in 10 days. On XX/XX/XXXX i got a email saying my dispute was denied. I called chime dispute team and they told me that they denied my dispute for insufficient evidence. They said they didn't get a response from the Merchant. 
I myself tried to call the Merchant and The Merchant ( XXXX ) has no phone support.

My wife had Covaid 19 and we are really struggling to make ends meet. This {$1400.00} was to go toward our bills. On Chime bank website it clearly states that Visa has a zero percent Liability policy on unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts 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 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
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX how inquiry that have not been made by me. I am a victim of identity theft over the past Four Years And request these fraudulent inquiries to be removed.
Product: Credit reporting or other personal consumer reports

I reviewed my customer reports and noticed that I have multiple late payments on an account that I was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included Screenshots inside this complaint there are multiple dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proofread statements showing that these payments were late if proof can't be provided I demand these payments be updated to pay it as agreed on time as they should be due to the fact I was never late thanks please see screenshot attached
Product: Credit reporting or other personal consumer reports

Delete hard inquiries Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This company has filed a " NOTICE OF SALE UNDER POWER '' to auction my home on the XXXX Tuesday in XXXX. Their power as " Attorney in Fact '' was revoked due to violations of Federal Regulations 617.7010 Title 12-Banks and Banking Title part 617-BORROWERS RIGHTS Subpart A-General Item c, the borrower 's written waiver must contain a statement that the borrower was represented by legal counsel in connection with execution of the waiver.I WAS NOT REPRESENTED BY LEGAL COUNSEL IN THIS MATTER. I filed an affidavit of NOTICE OF REVOCATION OF POWER OF ATTORNEY AND TERMINATION OF ATTORNEY IN FACT on XX/XX/XXXX in the XXXX XXXX Supreme Court and mailed copies to Ocwen and their attorney, XXXX, XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2200.00} late payment XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX personal information Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX
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 Background checks XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on a collections account that is over 10 yrs old I dont owe the original creditor and is inaccurate reporting against me. 

Equifax said I used a credit repair company which I did not and refuses to acknowledge my complaint. They have no proof I used any company and I am willing to swear under oath I did not and they have absolved themselves of responsibility to fix the errors Reporting against me. 

My credit has suffered due to this error in reporting and I am concerned at the lack of care on the part of Equifax to fix it.
Product: Checking or savings account

Urgent : Unjust Account Lockdown and Impending Tuition Deadline On XX/XX/2023, my account was inexplicably locked without any prior notice or apparent reason. This has put me in a precarious situation, especially given the imminent deadline for my XXXX XXXXXXXX  tuition fee payment. As an XXXX student, this payment is crucial for both my academic pursuits and maintaining my legal status in the United States. 

My total online savings balance, approximately {$51000.00}, is currently inaccessible due to the account lock. Despite numerous attempts to seek assistance from Marcus customer service, the responses received thus far have been unhelpful and lacking in clarity. 

Upon initially opening my account, I diligently provided my citizenship information and Social Security Number, as required. However, I am now being told that additional verification, such as a U.S. driver 's license or state notarized forms, is needed. I inquired about the sufficiency of my passport for verification, as your website indicates that any passport is an acceptable form of identification. Surprisingly, the customer service team has insisted on conducting further reviews and has denied the acceptability of my passport. 

The implications of this account lock are severe, as I am unable to fulfill my financial obligations for the approaching tuition deadline. My education, career, and overall life trajectory are at stake due to the hindrance caused by Marcus ' decision to lock my access to funds rightfully owned by me. 

If Marcus has a policy of not conducting business with non-U.S. citizens or international students, it should have been transparently communicated during the account opening process. Taking my money and subsequently locking my account without reasonable cause creates an appearance of fraudulent activity. 

I urgently request your immediate attention and resolution to unlock my account, allowing me to proceed with the necessary tuition payment. Your cooperation in swiftly addressing this matter is paramount to ensuring the continuity of my education and legal status in the United States.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of credit utilization by XXXX on my [ XXXX, XXXX, or TransUnion ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX, specifically account number XXXX  - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Product: Mortgage

Dear Sir/Madam, I recently approached US Bank Mortgage to refinance a rental property. It took them some time for their underwriting department to review my application and that is fine given the number of people refinancing their mortgage. 

My complaint is two fold : 1. My rental property is under a revocable Trust agreement but the bank 's underwriting department insists that they need to see the complete Trust document not just the Certificate of Trust which I provided to them. I was not sure what is legal and allowed since my searches online indicate that the certificate of trust should be sufficient and the fact that the trust is a private document. 

2. All the documents sharing with US Bank seems to be through email. They do not have a confidential way of sharing documents. My concern is that any documents I share is also stored in some server somewhere for some hacker to hack into. I would have thought that a Bank of this size would have secure method of collecting documents. They did offer me to drop the trust document at the local bank office but it was only after I raised safety concerns. 

Thanks and Regards.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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: Student loan

After taken a loan for a degree seeking at XXXX University I obtained severe high interest, negative credit reporting and debt increase as a result. Unfortunately, I have yet to make close to what I owe and unable to pay as Navient request or make what I borrow since graduating. I do hear that there is also a law suit with the school I attended XXXX University in regards.