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

After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2020 I received an email from Paypal telling me " Checking out with PayPal just got easier XXXX  XXXX XXXX - XXXX Since we recognize this device, we'll automatically log you in so you can skip typing your password at checkout. 
" This is called their " auto login '' feature. I do not want it. I turned it off and complained that this is a security breach, I WANT this device to be required to enter a password at checkout. I asked them to promise not to do this again without asking me first. 

I have been corresponding with paypal thru their message center since late XXXX. They admit sending the email. They don't admit it is a security breach and they don't say they won't do it again. Instead they offer answers to a dozen other problems which I don't have. They refuse to discuss the problem I have described, they offer only irrelevant answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a vehicle before i went to the dealership i went there with a XXXX XXXX XXXX preapproval loan. they told me that they use XXXX XXXXXXXX as a bank lender. when i got there they decided to not even use my XXXX XXXX XXXX approval and ran my credit with other companies without my consent. because of the fact they didn't have XXXX XXXX XXXX as a bank that they work with. instead of buying honest just to make a car sale
Product: Credit reporting

Logging on with XXXX XXXX XXXX 2014 it stated that access would be granted XXXX anytime I wanted to look. I looked multiple times and my credit score dropped out of sight at almost XXXX points. Now I do not know if someone has accessed my account or every time my profile received a hard or soft hit my FICO score dropped over this time period. Having a lower score has also increased my hard hits from financial companies while looking for a low re-fi interest and other personal loan request declined. Included are the reference numbers required. I have sent a dispute request to XXXX XXXX on line as requested and waited the number of business days requested with no reply. They encourage only XXXX request at a time or the time starts over again. Thank you for all your help in advance concerning this important matter. My sincere hope is to be restored after review. XXXX XXXX : XXXX XXXX, XXXX, XXXX, Trans Union and the FCFP.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

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

My sister keeps getting Notifications on her credit report with my name on it which is XXXX XXXX.Shes getting notifications with my name on it in my past telephone numbers and anything that is in my name is affecting her Social Security card and her credit report my sister and I are twins and we are One Social Security number off from each other so whatever I do is affecting her credit And she is blaming me for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX Data breach. I demand to remove Asap those Accounts or I will file a litigation.
Product: Debt collection

This is not my debit. Kinum is rreporting that that does not belong to me. Inever rented a instrument nor gave permission for anyone to use my identity to rent an instrument. When I called the agent they were rude and told me there was nothing I could do but pay it or have my credit ruined as it will never come off and there was nothing I could do and that they will keep calling, reporting me to credit bureau and possibly sue me.
Product: Checking or savings account

I had an account with chime online banking i won money on the online casino over {$20000.00} and deposited that into my chime account well they started questioning me about the money wanted all this proof of where the money came from and how i was able to gamble when they see that my paychecks arent for a lot of money i had to send them all this proof they locked my account for almost a month after me sending everything they asked for they said it still was not good enough and they were going to close my account and a check will be mailed out with the remaining funds that was in the beginning of XXXX here we are almost the end of XXXX and still nothing.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which credit Bureaus claimed was verified. Since I believed the credit bureaus didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The credit bureaus records show that it was incorrect. Since your investigation was done improperly, I need the Bureaus to update or correct of the following accounts from my file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

A Cash App customer service agent maliciously attacked my account, disabled, my cash app card before the phone call. My account was fine. The agent was upset that I was irate on the phone and disabled my card. They also access my account without my knowledge or consent I was calling in about a deposit that was held on my card from a hotel
Product: Student loan

I was contacted by SIMM associates regarding a past due balance for a private student loan serviced by XXXX XXXX. I was in contact with XXXX about possible forbearance options as I had recently lost my job. I am not one to miss payments and had a track record of on time payments since XX/XX/XXXX. In conversation with an associate from XXXX ( XXXX XXXX ), on Friday, XXXX XXXX, XXXX, I told XXXX that I would be making a payment directly to XXXX on the XXXX of XXXX XXXX my XXXX paycheck after 5 months of unemployment ). She insisted that I call to make the payment with her instead and I declined. After my interaction with these in incompetent people, why would I give them my bank account information? These people can barely formulate a sentence with proper grammar. On Fri, XXXX XXXX, I contacted XXXX to let them know I would log on to my account and make a payment to get my account to current status. I spoke with a nice lady named XXXX and she also said she has heard terrible stories about XXXX associate interactions. I proceeded to make my payment online with XXXX on XXXX, XXXX and received a confirmation number. XXXX said that if I contact SIMM, to supply them with this number in order to stop receiving phone calls. I contacted XXXX XXXX at XXXX, and supplied her with my confirmation # and requested that the phone calls to my personal phone, as well as my office line ( yes, these people are harassing me at work when I just started a new job 3 weeks ago and am trying to earn a living to pay them!! ) STOP. XXXX informed me that calls may continue through the weekend in order for the system to update. It is now one week later ( XXXX XXXX ) and the calls continue on a daily basis. I paid my debt and do not need to be harassed any longer!! I called SIMM on XXXX, XXXX XXXX and spoke with XXXX XXXX yet again to get nowhere. The excuse this time was that their employees do not check the notes in the system before they make calls. Really? Is n't that the point of a company having a tracking system in the first place?! These people are incompetent and XXXX and they need to be stopped!! We are now at XXXX XXXX and my phone continues to receive voicemails from these people. When will it stop? It 's been 7 days and I highly doubt that a system needs that long to update. If you have a good relationship with your client, communicate with them!!! The lack of communication between XXXX ( the servicer of my loan ) and SIMM Associates is unreal.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX 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: Mortgage

Rushmore Loan Managment Services will not provide an assignment document for my refinance with XXXX   XXXX. They were contacted 9 weeks ago, on XX/XX/XXXX, and i have written and called numerous times. I am paying an over market interest rate and have to believe at this point that Rushmore benefits from the delay in some way. The service on the phone is very poor with extended delays in connecting and getting someone to actually work on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

I saw a collection for Southwest Credit Systems on my credit report. I immediately contacted them requesting debt verification. I sent a letter requesting it on XX/XX/2016 and never got any documentation to verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an XXXX credit report an inquiry was found with Nordstrom/TD Bank XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to Nordstrom/TD Bank to have this information removed. While a clearance letter dated XX/XX/2018was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the Nordstrom/TD Bank information be XXXX. This is a violation of the FCRA.
Product: Mortgage

On XX/XX/XXXX we signed a contingency form providing our $ XXXX. deposit. On XX/XX/XXXX we, my sister and I submitted an application for a mortgage. As of today 's date no definite response has been provided from the mortgage company AFR, American Financial Resources. On XX/XX/XXXX our contingency date was up on our mortgage commitment. We were told that the appraisers had sent an incorrect form, then there was a problem the AFR could not open the file sent from the appraisal. Our realtor applied for a two day extension with the sellers, as we were told that the appraisal had held back the commitment of the loan. On XX/XX/XXXX we signed a second contingency form as there was still not commitment forth coming. The reason given for the lack of commitment was the underwriter was on vacation and the loan was sent to another examiner. On XX/XX/XXXX we signed a third contingency from the reason given the loan processor required a change in the insurance policy of the complex. I would have thought the insurance policy of the complex should have be reviewed at the beginning of the loan origination. My sister and myself have signed numerous letters of explanation as well as provided numerous pay stubs and bank statements, employment verification 's. I do realize that this is part of the loan process. However, my sister received a phone call from one of the examiner 's he said he was calling the utility company to verify her balance with the utility company. When all parties were on the line he asked the representative if she was delinquent on her account. It turned out she was on a payment program. She lives on the east coast and heating raises the bill during the winter months. My addresses were verified as far back as XXXX. Almost twenty years ago .... I was also asked if I was ever married. Then I was asked how many times. I am applying for a loan based on my income. My marriage ended in XXXX. We have both felt under excessive scrutiny, and delay tactics. The complaint is about two things : First the length of time for the approval Second, is there a scrutiny tactic at work here based on sexism? I would appreciate the follow up service you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDNELNET XXXX DEPT OF EDUCATION/NELN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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: Checking or savings account

Today XX/XX/23 I found out by trying to use my card and not receiving a letter or anything about my account being restricted for no reason. I am a widow and mother of XXXX my husband was all XXXX of my children father and their ssi was going to my chase account now because of chase my kids and i are on the verge of being homeless. I am trying not to get a lawyer and file arbitration or small claims i need my money this week because i can not be on the street with XXXX kids.
Product: Checking or savings account

I set up an online bill pay thru my checking account with Capital One to a vendor. The money was withdrawn from my account on XX/XX/XXXX, mailed to vendor and cashed by vendor on XX/XX/XXXX. Capital One uses a clearinghouse account for online bill pay with XXXX XXXX XXXXXXXX. Check was then returned to vendor as a bounced check on XX/XX/XXXX. Vendor then wanted repayment from me which I supplied. On XX/XX/XXXX I spoke with XXXX and claim # XXXX was established. XXXX I spoke with XXXX with no resolution. On XX/XX/XXXX I spoke with XXXX who said the check was issued and cashed properly. They denied any issue with a bounced check. On XXXX I spoke with XXXX who reiterated same thing without acknowledging the check bounced. I finally sent an email to XXXX XXXX XXXX of Capital One ( XXXX ). I received a call from an assistant to XXXX XXXX who identified himself as XXXX and his phone number is XXXX code XXXX. He finally explained to me the reason for the bounce to the vendor is that the vendor cashed the check twice. I asked for any proof of this and he was unable to provide. I spoke with the vendor and they do not show any attempt at depositing the check twice.
Product: Debt collection

Around XX/XX/2020, after doing my annual credit report pull. I noticed fraudulent accounts were reporting on my credit reports. One was with WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I have attempted to contact all parties. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX XXXX  XXXX  XXXX  have removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. WAKEFIELD & ASSOCIATES LLC continues to make fraudulent reports on XXXX, XXXX, & XXXX. WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  has been contacted multiple times by me to request information for these fraudulent accounts. I have filled out the required information that accounts for all three credit bureaus, as accurate and refuses to give me information proofing this fact. Now they have stopped responding to my emails even after speaking with 3 of their supervisors. I've filled out identity theft and CFPD reports. Which they ignored that along with multiple FCRA laws and are not limited to section 609 allowing consumers to request copies of my credit reports and the associated information that appears on my credit report.
Product: Debt collection

Robo calls asking for someone not me. As instructed I press XXXX to indicate I am not the person they want but the calls continue several times a week. They say to call XXXX XXXX at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Reported Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts : XXXX XXXX XXXX {$2100.00} XXXX  XXXX - opened XX/XX/XXXX, {$590.00} Collections : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$1.00}, XXXX XXXX XXXX XXXX - opened XX/XX/XXXX - {$800.00} XXXX XXXX Bankruptcy - Discharged-XXXX  XXXX, XXXX. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card

I made a payment against my Marcus card by Goldman Sachs in XXXX. As it didn't show up I made additional payments to pay off the full balance and made inquiries on both sides. XXXXXXXX XXXX showed my payment being cashed by GS on XX/XX/XXXX, but at no time did it show up against my account. I contacted GS repeatedly, and on each occasion GS told me they could not see my payment. 

I escalated, after several attempts, and eventually ( today ) my payment showed up. 
GM credited me an additional {$1.00} It seems there should be some cost to the bank to discourage the practice of misappropriating customer payments, and stonewalling requests to escalate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.