23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free annual credit report from Equifax. I had requested a report last year under the same address. Equifax had obviously failed to update my current address. Therefore, they requested that I fax them yet AGAIN my identity information. The fax process is outdated. This is XX/XX/2020. They were unable to provide me an up to date technical resolution process Furthermore, Equifax requested answers to questions related to my credit report. NONE of those questions related to my current credit status. I can only assume that Equifax is not processing my consumer credit information properly. In additon, they are requiring me to correct their mistakes. Absolutely, unfair to the consumer. In addition, XXXX  had my information fully updated and was able to handle any questions I had within a reasonable amount of time ( 30 minutes ) and process my report. In conclusion, if Equifax is to provide credit reporting services, they should obviously be as accurate and accessible as any other credit reporting service. Please help all of us consumers with these issues. Thank you for hearing my complaint.
Product: Bank account or service

Chase bank closed one of my accounts suddenly. I had deposited checks in the account which has cleared before they closed the account. I have called numerous times and get the response that it was closed due to them flagging it as fraudulent. I was to meet two terms to be able have the funds released. I met both but yet over a month later no funds have been returned. They closed the account on XXXX. I have a statement showing money that has been withdrawn out of the account. they state they need to verify one more check before releasing funds. I am assuming over a whole month is enough time to ensure the check is good. The Checks were signed over from my father who also verified with the bank that it was no fraudulent that he had given me the checks as a b day gift and to help pay my car payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.
Product: Debt collection

Attached please find my FTC Identity Theft Report, a letter received this day threatening me legal action for accounts that are Identity Theft. I also received numerous phone calls daily harassing a XXXX year old woman for accounts not belonging to me. Stop calling and stop sending me threatening letters I am protected under Federal law. 

Also attached is a section I was directed to on the FTC website while speaking to the FTC today ... specifically asked a section called Knowing My Rights. Which says .... 

Stop a debt collector from contacting you. In most cases, debt collectors must stop contacting you after you send them a letter telling them to stop. 

Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Stop harassing me ....
Product: Student loan

I recertified my IDR in XX/XX/XXXX as Mohela directed so that I wouldnt be removed from my IDR as threatened. A few days ago, I was told that my IDR recert application was processed and approved for $ XXXX ( increase from {$160.00} ) and would be effective in XX/XX/XXXX, and that my account was placed on a processing forbearance for the month of XX/XX/XXXX ( which they didnt inform me of until multiple days into XX/XX/XXXX ). Also, prior to them approving my IDR recert app, my new payment start date as shown on my account was XX/XX/XXXX, which means that the new {$310.00} payment shouldn't even start until then, even though Mohela is trying to force me to begin paying the new amount next months. I contacted Mohela multiple times via the messaging portal and also via phone to tell them the following : 1. The Department of Education has extended the IDR cert deadline ( https : //studentaid.govXXXX ). Per the website, If you recertified before XXXX, they've promised to undo that and restore your old payment. and If your recertification date is after XXXX but before XX/XX/XXXX, you won't have to recertify anymore, possibly until mid XXXX. Because of this, and because the new payment start date on my account was XX/XX/XXXX, please return me to my original {$160.00} payment immediately. 

2. Take me off of processing forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I am writing this letter in hopes you can help me. I am a XXXX-year-old senior citizen who performed a reverse mortgage with AAG in XXXX of XXXX. At the time this was a positive experience but that has completely changed. 
In XXXX XXXX we had a issue with water backing into my home. I contacted a plumber who fixed the issue then I contacted another to mitigate dangerous wastewater that had inundated a part of my basement. I called my home insurer who after damage appraisal provided me a check for just under {$14000.00}. I also contacted AAG to inform them of the claim, it was now the problem arose. 
The check was made out to me as well as AAG ( the insurance company said this was standard practice as the check was over {$10000.00} ). 
In late XXXX the mitigation contractor XXXX XXXX, began calling me asking for payment. It was then that I contacted AAG by phone and they said to contact their claims division in Texas which I did mainly by phone. By XXXX AAG still had not paid the claim to XXXX XXXX and XXXX XXXX threated to send me to creditors. It was at this point I reluctantly decided to pay XXXX XXXX  directly with the belief I would be repaid by AAG from the check my insurer paid them. THIS WAS NOT NOR HAS BEEN DONE. 
I have called multiple times and sent numerous emails to AAG and their claims department only to get the run around. 
It is now XXXX of XXXX and I have not been reimbursed for out-of-pocket expenses {$9200.00} nor has any work been started for repair much less completed. 
They have taken advantage of me, committed fraud and theft. Ive been suffered financial and emotional hardship because of their deceptive practices. It is my hope that you have the power to force them to do what they should have done, as well as press charges, institute fines and rescind their license to do business in the state of Colorado so they dont take advantage of other as they have me. 
I am willing and able to provide any documentation requested by you as well as to sign any formal criminal and/or civil complaint documents against AAG. 
Please contact me at your earliest convenience to let me know next steps. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report for Equifax multiple times this year, the most recent being XXXX and noticed inaccurate information. I sent my original letter in XX/XX/2023 and I haven't received any response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/2023 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter most recently in XX/XX/2023 saying that the dispute was, in fact from me, and that they were trying to waste time. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency
Product: Debt collection

On XX/XX/23, I received an email from Midland Credit Management ( MCM ) stating they are a debt collector and are trying to collect on my debt for my XXXX XXXX XXXX credit card issued by XXXX XXXX. On XX/XX/23 my account was sold to MCM. On XX/XX/23, I called XXXX XXXX XXXX 's XXXX XXXX and was redirected to the fraud department and was told there was six charges from XXXX. I was told that the person made purchases at the XXXX XXXX XXXX in XXXX XXXX, CA and in XXXX, CA. The person requested a credit increase, added an authorized user, changed my phone numbers and changed my address. XXXX XXXX would not give me the name of the authorized user, new phone numbers or address. I never received any statements, phone calls, or emails from XXXX XXXX XXXX 's XXXX XXXX. They did not contact me prior to this account being sold to MCM even though my email address was not changed and that is how MCM contacted me. Prior to these charges, I had a XXXX  balance on the credit card.
Product: Money transfer, virtual currency, or money service

I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my XXXX XXXX XXXX app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru XXXX XXXX XXXX to  get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, Chase. There was no warning or disclaimer that this could happen as such I believed that my bank ( XXXX XXXX XXXX ) and XXXX ( since my bank was backing them ) would provide basic protections just like XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Credit Management is harassment me.

In violation of the Statue of Limitation in NYS. Last date of payment on account was XX/XX/2019. 

In violation of 15 USC 1692d harassment and abuse 15 USC 1692f unfair practices 15 USC 1692j furnishing certain deceptive forms
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XX/XX/XXXX SYNCB/AMAZON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX SYNCB/LOWES XX/XX/XXXX The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have XXXX  days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within XXXX  days of completion of your re-investigation
Product: Debt collection

Presser, Felt & Warshaw have taken over a debt on behalf of XXXX XXXX Bank. I have been requesting a pay-off amount from them as part of my mortgage refinancing application so that I may pay this debt and move on with my life.

Timeline : 1. Tuesday, XX/XX/XXXX phone call at XXXX am and was told by the woman on the phone to contact Legal Resolution Team and have my representative send a fax of borrower 's authorization and pay-off request.

2. Wednesday, XX/XX/XXXX phone call to legal resolution team at XXXX XXXX  - XXXX min. wait time and then sent to voicemail. Left a voice mail and call-back number. No response or call back.

3. Thursday, XX/XX/XXXX. My representative emailed documents to the email address on the website after her phone call and XXXX min wait time to the legal resolution team phone number and being sent to voicemail. She left a voicemail and has not received any response. 
4. Thursday, XX/XX/XXXX I place another phone call at XXXX XXXX  to Legal Resolution Team. XXXX minute hold time and then right to voice mail. 
5. Friday, XX/XX/XXXX. I fax the documents to the fax number given to me by the woman on the phone ( see XX/XX/XXXX ). No response. 
6. Wednesday, XX/XX/XXXX. My representative emails to follow up on the file number and pay-off request. Also asked if the account has been closed and writes " Since there had been no resolution obtained for this account, it must be removed from my client 's credit obligations. 
Please advise, thank you '' No response. 
7. Friday, XX/XX/XXXX. I sent another email at XXXX XXXX. No response as of XXXX XXXX.
Product: Debt collection

First of all, let me mention that this debt is not XXXX that I owe. 

This is XXXX XXXX out of I 'm sure many ) collection agencies that use false numbers to call people. They will also call your family members using fake numbers. There were some days in which I received up to XXXX fake phone numbers. 

After this company put a mark on my credit report ( though I had no idea I even owed any debts -- because I do n't ), I was telling them " I do not answer numbers I do n't know, because I 've been getting a ton of XXXX calls from numbers that look a lot like mine. '' She was very silent on the phone for a while and then says " yes, we understand. They sometimes call pretending to be our number, too. '' I found that odd, because these calls never pretended to be a toll free number. XXXX of them were foolish enough to forget to hang-up and the background noise sounded similar to that of the background noise of the debt collector. 

Anyway, so I deal with this debt collector and would n't you know it -- the spam calls stop. They stop coming to me and my family members.I do n't think this is a coincidence in the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple dispute attempts. Equifax has violated my consumer rights under the following provisions : 15 U.S.C. 1681i ( 5 ) Failure to properly investigate and correct errors in my credit report.

15 U.S.C. 1681c ( c ) Failure to remove outdated or incorrect information.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy in reporting.

I have submitted multiple dispute letters requesting the removal or correction of inaccurate information on my credit report, yet Equifax has not complied within the required timeframes. I have attached copies of my dispute letters and Equifax responses ( or lack thereof ). The Accounts Disputed : Bankruptcy XXXX claims its been verified but verified the original creditor does not report to any credit agency or 3rd party so how was it verified and by whom. 
Multiple inquiries that were disputed over months and yrs as identity theft or not authorized Equifax also have been completing disputes in record times like with thin a few hrs and labeling items as verified how you didnt have time to investigate it. 


Additionally, I recently learned that the CFPB has filed a lawsuit against Equifax for engaging in sham investigations and failing to properly handle disputes. This further supports my claim that Equifax is violating my rights under the FCRA and negatively impacting my ability to access credit, housing, and employment.
Product: Debt collection

SEQUIUM ASSET SOLUTION Account XXXX Historical Info Original CreditorXXXX XXXX  Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX The company says I owe XXXX for a high speed modem that was hard wired in my apartment that I vacated. The address was XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. I was told by the installers that the modem can not be removed because it was wired into the wall. I spoke to several representatives of XXXX and they took notes and scheduled a technition to reove the modem. I was told that I was not responsible for the XXXX becuase the modem was hard wired into the wall and I would not be able to return it to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no ties to the creditors mentioned.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.
Product: Checking or savings account

My name is XXXX XXXX. Recently had my XXXX loan sent to chase and chase returned it to the lender and it was sent once again. My account has been locked still and cant access it. They wont send the money back or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX show Hard inquiries on my credit scores and Summary.