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

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX XXXXXXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I've contacted Equifax about incorrect reporting on my credit report. My credit report has not been updated Since XX/XX/XXXX. Equifax is reporting multiple late payments from XXXX XXXX. I have never been late or missed a payment from XXXX XXXX. I've disputed this multiple times, but Equifax has not reported the correct information and remove these late payments from my credit report. 
Equifax is reporting a balance with XXXX XXXX on my credit report. This balance was paid in full on XX/XX/XXXX. XXXX XXXX  shows two late payments on XX/XX/XXXX & XX/XX/XXXX. This balance was paid in full and never late. There are two accounts from XXXX XXXX XXXX XXXX XXXX. These are fraudulent accounts that have been disputed and confirmed Fraud by XXXX XXXX XXXX XXXX XXXX, but Equifax has failed to remove the accounts from my credit report.
Product: Credit card or prepaid card

I applied in XXXX for a student credit card at DISCOVER and was accepted and mailed the credit card, later in XXXX i was asked to fill a form, print it and notarize and mail it to them to further verify my identity and i complied, after i mailed it there was no communication from DISCOVER whether it was received or not ( it was never received on their end ) they did not inform me at all that it was never received because if they had i would have been able to fix this issue swiftly by sending in the same notarized form again by mail within the 15 day time frame they gave me to do this, my credit card was then closed 2 weeks after ( and that whole time i had thought the notarized form they asked me to send them was received ) I call customer support and they told me that i did not even need to go through this whole process and could have easily just sent all the information and documentation they requested online which would have been much more reliable and faster. 
My card was closed unfairly and unlawfully because the form that they asked me to fill, notarize and send was never received on their end for whatever reason and i was not told about it at all until i found out they closed my card because of it. I could have easily provided them with all the information they wanted to verify my identity had I actually been told that they were not able to receive the form i sent them by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested 3x my consumer report while also asking them to freeze my consumer report and the last attempt I sent a notarized letter including a photo copy of my drivers license, SSN card and proof of mailing address but every time I get a letter sent back asking me to send more information identifying myself
Product: Debt collection

Capitol One Auto Finance violated all of the below noted laws under the Fair Debt Credit Reporting Act : 15 USC 1692b ( 2 ) 15 USC 1692b ( 5 ) 15 USC 1692d ( 1 ) 15 USC 1692d ( 4 ) 15 USC 1692c ( a ) through 15 USC 1692c ( a ) 1 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 7 ) and 15 USC 1692e ( 12 ) 15 USC 1692c ( b ) 12 CFR Part 1026.23 ( b ) 1 They additionally illegally seized my property:2019 XXXX XXXX XXXX They shared my information with multiple third-party companies ; one by the name of XXXX XXXX XXXX- XXXX XXXX XXXX ( XXXX ) XXXX which they used to aid them with the illegal seizure of my property without my permission and have subsequently sent harassing letters which include a " Notice of Negative Credit Report '' specifically violating 15 USC 1692d. This additionally is a violation of 15 USC 1681b ( a ) ( 2 ). They are continuing to harass me causing immense stress to myself and family by reporting false/misleading information to the following consumer reporting agencies : XXXX, XXXX and XXXX by posting the alleged debt of over {$25000.00} not including erroneous fees to the third party companies mentioned above. This is an infringement upon my " Right To Privacy '' pursuant to 15 usc 1681 ( a ) ( 4 ). From the first communication from the company they violated the FCRA including never sending proper notice to rescind within the timeframe applicable by law. This matter resulting in lack of transportation has caused great strain to myself and my children as I have been unable to efficiently aid my XXXX daughter with her medical care and/or attend hiring events for potential employment after being severely impacted by the pandemic. The above noted infringement on my privacy additionally impacts me from potential employment and ability to acquire transportation as it negatively impacts my reputation. 
I have sent a Statement of Facts letter to the company by certified mail and have not received any resolution.
Product: Credit card

As a result of my payment in full and subsequent credit refunds, I have a credit balance of {$9000.00}. I requested a refund be issued and I am getting the runaround. 
All Citibank will say is the refund has to be approved and that takes several days. Will not provide me the number of days just several. Then they state, " IF approved it will take another XXXX - XXXX business days to get my money returned. 
I believe this is just a stall tactic on their part to keep my money for as long as they can. 
Here are the credit refund amounts and dates due to airline cancelling my flights : XX/XX/2024 - {$960.00} XX/XX/2024 - {$960.00} XX/XX/2024 - {$3800.00} XX/XX/2024 - {$3800.00} I purchased these tickets in XX/XX/2024.
Product: Debt collection

I am not positive on when my account was given to this company because I never received a verification of debt. They set me up on a payment plan in the amount of {$59.00} each month. I received a call from XXXX ( XXXX XXXX XXXX On XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I have on file from XXXX XXXX Stating that my payment scheduled with them did not go through and it was a courtesy call. It stated in the message that if I did not get back to them by XXXX that my payment agreement with them would be forfeited and would then go back to the attorneys desk to go to the courts. I have also received many text message from the office stating A pending claim has been forwarded to our Law office in regards to your delinquent account. Please contact our office immediately to speak with a non-attorney representative at XXXX your account number is XXXX. Thank you I started to find this odd and even though I had been paying on the account I then asked if they could send a verification of debt which they insisted they would do it by email. After a few calls to them which unfortunately I do not have the dates for this they stated that they had emailed it and they verified my email was right but I still never got anything. When I asked from them to mail me it they said I need to contact the original creditor and they are not sure why I am asking now since I have been paying on the account so they would not mail it to me. Since they wont send this to me I have not felt comfortable making payments but they keep threatening court action on me stating I am glad you called because we are about ready to send you to our attorney. I also let them know I can not afford {$59.00} a month but then they will deny my payment because they only accept a minimum of {$59.00} a month.
Product: Mortgage

To Whom It may concern, I XXXX and XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 3 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating me like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission for Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call my own mortgage servicer now.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and XXXX XXXX
Product: Debt collection

I received a loan from ace cash express, was unable to pay loan off and it went to collections. the company they hired to take over the matter is now calling my job everyday and now has my boss thinking that they are going to come to my job and arrest me if i do not get in contact with me. they have left the same kind of messages on my voice mail. if the keep calling i could lose my job. I don't have the name of the company they do not give name, all i have is a phone number to the company as well they are not willing give me a detail itemized list of my charges. they are also saying that the are filling a law suit in the county I am in.
Product: Debt collection

The notice I received on XX/XX/XXXX was vague. It only says the original account was with XXXX XXXX. I never received a bill from then. It says the date of service was XX/XX/XXXX. When calling TSI they would not give me information without me giving them my birthday. Im not giving private info to a stranger.
Product: Credit reporting, credit repair services, or other personal consumer reports

i havent had a credit card in over 15 years this is not mine, furthemore it is not listed on my XXXX  but is still on XXXX, and XXXX, this has been with 4 other debt collection agencies and was removed but continued to be listed over the last 10 years and presently shown closed
Product: Checking or savings account

My business account overdraft fees Charged XX/XX/year> OVERDRAFT FEE FOR A {$9.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX Fee - {$34.00} - {$1000.00} XX/XX/year> OVERDRAFT FEE FOR A {$7.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$1000.00XXXX XXXX XXXX XXXXXX/XX/year> OVERDRAFT FEE FOR A {$7.00} CARD PURCHASE - DETAILS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$970.00} XX/XX/year> OVERDRAFT FEE FOR A {$470.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fee - {$34.00} - {$930.00} XX/XX/year> OVERDRAFT FEE FOR A {$16.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$910.00} XX/XX/scrub>XXXX XXXX XXXX  OVERDRAFT FEE FOR A {$21.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$370.00} XXXX XXXX XXXX  OVERDRAFT FEE FOR A {$32.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$340.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX Bankruptcy 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

THE COMPANY EXPERIAN REFUSE SEVERAL TIMES MY FREE ANNUAL CREDIT REPORT,
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

The law of permission purpose XXXX XXXX XXXX ( a ) ( XXXX ) In accordance with the written instructions of the consumer reporting agency XXXX furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. This consent or authorization is given when submitting an application so they have to provide a contract or application. I did not give these companies any written consent, they can't provide me with a copy of my agreement, ID, signature or anything of the sort. This is a form of identity theft. These accounts are required by law XXXX stating that accounts resulting in identity theft must delete accounts in 4 days. 

Item : XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I filed Complaint with CFPB COMPLAINT ID : XXXX. 
But I am not satisfied with an answer from EQUIFAX because it doesn't have proper answer rather just general information. If they don't have specific information then they should have asked rather than closed the complaint. They are asking to call or email on such and such contact but they never provide solution. You can hear recording of my previous call, how much hard time I faced during call to explain the concern person and he ended up by hung up my call. 

My problem is there is comment on my Equifax report stating " REMARK HAS BEEN ADDED TO YOUR XXXX  XXXX XXXX CREDIT CARD '', now I don't know where this remark came from even if my amounts are paid off. When I asked about this to XXXX  XXXX XXXX, they said just contact Credit Reporting Bureau, they have nothing to do on their side. Its credit reporting company who adding such remarks. So, I just want to know who will tell me the facts rather than playing ball passing game. 


Here is the Response from EQUIFAX for my Past Complaint : " '' '' '' Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. The results are below : Please be advised that there are hundreds of credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Unfortunately, we are unable to proceed with an investigation of the concerns raised in Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at  www.myEquifax.com. At myEquifax, you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and other products. You may also contact us at XXXX to speak to a Customer Service Representative. '' '' ''
Product: Debt collection

CRA violation no knowledge of the fraudulent accounts on my Transunion credit report. FTC ID Theft Report # XXXX
Product: Money transfer, virtual currency, or money service

Binance.US has locked me out of my account for absolutely zero reason. They have no customer support number, and they will not get back to me after writing several tickets. 

They essentially are holding my money hostage and wont reply. I cant do anything and Im furious I cant get my money out. 

After looking on XXXX I can now see this issue is VERY common and happens to a lot of people who still havent had any help from the company. Some people who have {$5000.00} basically stolen from them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found significant discrepancies in how this account has been reported : Inconsistent Payment History The report states I have made " 0 % of payments on time, '' yet also lists only XXXX 30/60/90-day late mark. This suggests incomplete or incorrect payment data.

Incorrect Account Status The account has been charged off and marked derogatory, but it still reflects a balance of {$1500.00}. If the debt was written off as a " Profit and Loss Write-Off, '' it should not still report as an outstanding balance.

Dispute Handling The report states " Dispute Resolved Reported by Grantor, '' but I was never provided proper documentation verifying the legitimacy of the information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to review how this was verified. 
Requested Action : I am requesting an immediate investigation and correction of the following : Provide verification of the reported balance and delinquency, including a full account payment history. 
Remove or correct the charge-off status if the account has been settled or inaccurately reported. 
Ensure that the balance accurately reflects the actual amount owed if the debt has been sold, settled, or otherwise adjusted. 
Delete the account if it can not be verified, as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. Equifax is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.
Product: Money transfer, virtual currency, or money service

I was having trouble sending money out. I googled the customer service number and called. As I was directed to send an amount to a different recipient to see if the transaction would work. And was told it did not so I was directed to do it again to a different recipient. At this moment I knew it was a scam and I was out of {$1000.00}.
Product: Debt collection

Previously asked for debt to be validated and company has yet to furnish any proof of validity. Company is reaging the account and listing false information and amounts on my credit bureau profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and XXXX reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached 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.