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

In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a XXXXday late notation. I request an investigation and removal of this collection account from my credit report. 

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

XX/XX/year> an unauthorized inquiry was placed on my XXXX credit report, then I did not agree to or submit
Product: Credit reporting or other personal consumer reports

All of the information on my credit file is inaccurate. I have submitted several disputes to no avail. I have my credit reports, and they are all showing the same incorrect information. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I appreciate your help and assistance in this matter. I have contacted the credit agencies and your agency several times about this already. I hope this can finally get resolved. Thank you again.
Product: Credit card

I have sent documents to Amex from XXXX and XXXX confirming the XX/XX/2023 charge with XXXX was fraudulent and was not done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX  up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the Equifax file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is. 

I contacted XXXX multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''. 

This is utterly ridiculous and is going to end up costing me percentage points and money. 

I need help, I tried all the ways I could and the manner it should have been handled and XXXX has seriously failed me here.
Product: Debt collection

I received a collections letter on XX/XX/XXXX for a principal amount of {$100.00} plus late fee of {$15.00}. This debt is to the company of XXXX XXXX for garbage disposal at my residence. This company quit servicing my residence in the beginning of XXXX after the flood of XXXX. 
I never received a bill for this service, much less notification of non payment. 
I called and spoke to a representative, I asked them why is my balance {$100.00} when my normal fee for that bill would have been $ XXXX? I was told the extra amount was late fees, even though the bill says the principal is {$100.00} plus {$15.00} late fees, and I have to say again that I never received a bill.
Product: Debt collection

Company XXXX XXXX XXXX XXXX  is reporting a collection in the amount of {$5600.00} reported on XXXX.I never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion still hasnt removed item from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has exposed me to the threat of identity theft via their mishandling of PII. I am appalled at their lack of due diligence in the wake of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

It is further frustrating that I am now responsible for repairing this damage, for which I believe I should be compensated in the form of free monitoring and credit freezes/thaws, paid for by Equifax. 

I also hope that this ( and the multitude of other complaints like this one ) result in legal recourse for Equifax and stricter standards are implemented in order to prevent this from happening in the future.
Product: Bank account or service

Opened account last week. Told me to come back the next day and I can cash heck. Went next day there closed. Nice. So I waited then just deposited it. One week last. We have a paper fee monthly fee, and some early fee. And hold on act. Ok. So I decides to close it and go to different bank. O a fee for closing account. So I will b lucky to get maybe a couple XXXX if I 'm lucky ... m
Product: Checking or savings account

Someone created a XXXX account using my credit card information. I told Chase about it because I didn't do this. They issued me a new card and gave a me credit for {$48.00} switch was the amount taken from me on XX/XX/XXXX. Chase urged me to reach out to XXXX and tell them what happened because they were going to look into it. XXXX did return the {$48.00} after they determined someone did indeed stole my credit card information. Now, XX/XX/XXXX Chase did a claim reversal for the XX/XX/2020 {$48.00} they gave me. This sounds wrong to me it's like they're calling me a liar even though XXXX comebacked me up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX {$490.00}. 
XXXX Acct # XXXX {$480.00}. 
XXXX XXXX Acct # XXXX {$670.00}. 
XXXX Acct XXXX XXXX {$1100.00} XXXX  Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX Acct # XXXX {$770.00}. 

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

15 U.S.C. 1681 section 604A. Section 2 : States a consumer reporting agency can not furnish an 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 7 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX  ON XX/XX/2019
Product: Checking or savings account

I have an optum bank health savings account. Through optum, I established a XXXX brokerage XXXX  to invest excess funds. The XXXX brokerage account is linked to my Optum Bank XXXX, and in the past I have been able to transfer any balances in excess of {$2000.00} to that brokerage account. I recently deposited {$8300.00} into that account. 

I have attempted multiple times on the website to transfer funds. However, my transfers have been unsuccessful. On XX/XX/year>, I requested a transfer to the XXXX  brokerage account. However, it was transferred to a mutual fund account that is unaffiliated with the XXXX  brokerage account. I transferred the funds back into the XXXX  account to re-initiate the transfer to the brokerage account. I re-initiated the transfer around XX/XX/year>, and it was rejected. I have called optimum multiple times, spoken to multiple people, and no one has any idea why this is happening. Theres a link on the optum website titled transfer from XXXX to XXXX brokerage. That link does not work and no one can provide me an explanation.
Product: Money transfer, virtual currency, or money service

My account with coinbase had a phone number attached to it that was not mine the website only showed the last four digits of the number. I went online to delete that number and update my number on the account and was instructed to enter the phone number associated with the account. Of course I had no idea what the full number was. I contacted them via email and they instructed me to set up a another dummy account an email them back with new account information and we could move forward. I went back online and their website wouldnt let me open another account. I emailed them with issue and they were investigating the issue and will follow up with me as soon as they have an update. That was XX/XX/XXXX. Ive requested an update twice via email since than and have had zero response.
Product: Mortgage

When paying off a mortgage, Wells Fargo does not supply final statements and complete accounting for the mortgage or escrow accounts. 

I have had no fewer than 4 mortgages that I have paid off with Wells Fargo and each time the company failed to provide complete accounting of the mortgage and escrow accounts. I track my own transactions and every time I have paid off a loan the and escrow account is refunded to me, the amount I receive does not match my records or even the last escrow balance on my mortgage statement. 

When I call to get a final statement with a XXXX balance, they say they never supply the final statements. This is a very suspicious practice! They do everything they can to hide the details of the payoff accounting. Since the refund amounts are always less the amount I expect, I suspect there are charges or or fees that are being incorrectly charged and they are trying to hide it from the consumer. 

As you can see in the attached documentation, the mortgage escrow balance on XX/XX/XXXX was XXXX, but my refund after making one additional payment to the escrow account was {$1700.00}. According to my records, {$370.00} is unaccounted for.
Product: Checking or savings account

I received an offer from capital one credit for a zero percent interest check. I went ahead and deposited it into a capital one account. They went ahead and put a hold on it and when I called the rep she told me they check is fraudulent. Then putting on a hold on it somehow made my account go negative. Not sure why and the rep could not explain to me anything. The they made it positive again. Would be nice to have competent people on phone to answer questions. Then the check posted to my credit card account and they sent me a letter saying they have confidential information the check is bad. What 's going on with this place and what is this confidential information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

To whom it may concern, I currently have a complain regarding the collection agency named Midland Funding LLC. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX. I noticed on XX/XX/20 that I got garnishment due to my 7+ years old debt. Based on Fair Debt Collection Practices Act this account should have been deceased. Also I was never handed a lawsuit paper regarding this garnishment. The total garnishment so far was {$570.00}. I believe this is against the law to get garnished without handing you a summon. Thank you in advance for your help.
Product: Vehicle loan or lease

FirstBank has been insistently reporting a balance/past due amount and account description/status that are product of an illegal application of Rule 78 as a Method of Amortization, 15 U.S. Code 1615 ( b ), to  the 66-month installments loan that I had with the banking institution. This situation has greatly affected the opportunity to obtain a car loan under favorable conditions. In other words, irreparable damages to my credit history continues. The Bank 's action, pursuant to section 15 U.S. Code 1611, carries a fine of {$5000.00}, 1-year prison or both.
Product: Bank account or service

On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why TD BANK REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and td bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so td bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so TD BANK Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Calvary Portfolio Services regarding a debt they allege I owe, linked to a legal case that has since been dismissed. Despite the dismissal of this case, Calvary Portfolio Services has failed to remove the negative entry from my credit reports, adversely affecting my credit score without cause. 

Enclosed are documents supporting my position, including evidence of the dismissal of the legal case. 

This situation has unjustly impacted my financial health and caused me considerable stress. Despite attempts to resolve this issue directly with Calvary Portfolio Services and through disputes filed with the credit bureaus, the erroneous credit entry remains. Therefore, I appeal to the CFPB for intervention to correct my credit information and protect my consumer rights per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this critical issue. I am eager for your support in resolving this dispute with Calvary Portfolio Services and restoring the accuracy of my credit records.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I called Capital One to ask to remove the late payment on my credit report. A manger got involved and said the late payment is to far in the past and they do not have access to remove it. Upon deeper investigation into my credit file, I noticed my entire payment history from XXXX has been reported inaccurately. They claim I have a scheduled payment but I do not. I pulled my bank statements from XX/XX/year> to present, none of the payments reported match up. I would like this late/past due payment deleted from my credit file as soon as possible. I am also including my bank statements to include my capital one payments for these time frames
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i spoke with representatives at experian, XXXX, and XXXX about validating ( not to be confused with verifying ) of reportings on my credit report, they were unable too. i then asked them for a copy of when i sent any written documents of permissible purpose to validate the inquiries in question and i asked them for an audit trail, again they were unable too.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), 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.