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

On XXXX-XXXX-2017, I file a complaint against Equifax with complaint number XXXX. about inquires that was reported on my credit report due to fraud! I have viewed my credit report again and as of XXXX-XXXX-17 there are certain inquiries that sting show on my report. In the response from EquiFax, from complaint number XXXX They have stated that XXXX XXXXXXXX and XXXX XXXX XXXX is not currently shows on my reports by them. Again, as of XXXX-XXXX-17, these inquiries are still present on my credit profile.
Equifax, have failed to not only comply with what was stated in their reply to my complaint against them. Equifax, has fail to comply with the Fair Credit Reporting Act Section 1681b ( c ) and continue to report these items is an serious breach of my privacy right.
I am now moving forward to file a compliant with the Attorney General Office and the Better Business Bureau for non compliance of State and Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over XXXX letters to XXXX showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I moved to another house and I never received any notification or email from Macys and they said I was missing couple of months payment then had me pay over {$350.00} in interest without getting back to me to ask for my new address or send me any notification
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX/XXXX  XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX  , XXXX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX/XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Credit reporting or other personal consumer reports

Subject : Response to XXXX XXXX XXXX Statement Regarding Alleged Loan Account Dear XXXX XXXX XXXX I am writing in response to your communication dated XX/XX/scrub>XXXX regarding the complaint I filed concerning the inaccurate reporting of an account allegedly associated with me. 

First and foremost, I have never done business with XXXX XXXX. I am a victim of identity theft, and this alleged loan was not taken out by me. The name associated with this loan, XXXX XXXX, '' is not my legal name. My correct legal name is XXXX XXXX XXXX, and this discrepancy has been verified by XXXX, TransUnion, and XXXX, proving that the name on the account is incorrect. This further supports the claim that the reporting of this account is erroneous and violates the Fair Credit Reporting Act ( FCRA ). 

As you are aware, the FCRA requires furnishers of information to report accurate and complete information. The reporting of this account with the incorrect name and without proper validation is a direct violation of 15 U.S. Code 1681e - Compliance Procedures. In addition, you have not provided sufficient proof to verify that this account belongs to me. 

I formally request that you provide the method of verification for this alleged loan, including any bank account information or other relevant data that was used to open and disburse the loan. If you can not provide such proof, the inaccurate information must be removed from my credit reports immediately. 

Additionally, your statement regarding the FDCPA and the company not being a " debt collector '' is irrelevant to my request for debt validation under the FCRA. The obligation remains for Possible Finance to furnish only accurate and verifiable information to the credit reporting agencies. 

I expect this matter to be corrected promptly. Please provide written confirmation that this account has been removed from my credit reports, or if not, provide the method of verification used to report this account in the first place. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate inquiries on my credit several time, have called fraud department and nothing is being done about this matter. Making this document is the there last chance before I do my affidavit and sue.
Product: Debt collection

I was in a lease until XX/XX/2017, I had my apartment cleaned and I had moved out before XX/XX/XXXX. I had given verbal notice that I was not going to continue living there. I received a bill from the law offices of Caine and Weiner that I had three months back rent in the amount of {$4600.00}, and {$75.00} for late fees. I was charged for " excessive cleaning '' {$240.00}, {$660.00} for legal fees, and {$120.00} for utilities, and a carpet cleaning for {$160.00}. Total {$5900.00} minus {$1000.00} for my deposit. From what I understand XXXX XXXX in XXXX has a bad reputation of sticking it to there tenants for leaving. As I understand it the laws of California are the Leasing office is responsible for getting an apartment ready for the next tenant and carpet cleaning, repainting the walls, and cleaning falls on the responsibility of the leasing company.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  XXXX : Account Number : **** Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : **** Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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 that the information is inaccurate.
Product: Debt collection

The dispute was done requesting validation of the debt. They responded with a medical records update, a DIRECT violation of XXXX regulations. 
Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a XXXX form authorizing access to any such medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX : Equifax credit reporting error XXXX account # XXXX On XX/XX/2021, I filed a dispute with Equifax for an inaccurate debt status on my credit report ( Confirmation # XXXX ). I provided them with a letter from the creditor XXXX XXXX XXXX, dated XX/XX/2021, that my account had been paid with no balance owed. ( See attached copy. ) Today, I received a response that they had confirmed the information was correct and left the account as a charge-off with an outstanding balance of {$21000.00}, which is factually incorrect and having a negative impact on my overall credit profile and score. 

Having received proof that an account was paid in full should be all that is required to update my account. Since they have not done that and do not seem to have a process to appeal their decision, I am forced to request outside assistance from the CFPB. 

To resolve this situation, my account needs to be updated to correctly show it has been paid in full and that there is a {$0.00} balance due. Shy of that, I am requesting the account be deleted from my credit profile and not allowed to be posted again. Clearly, Equifax has ignored factual proof that a debt was paid, and it has had a negative impact on a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT
Product: Debt collection

I disputed the validity of this debt with Credit Control. I asked for specific information to verify the debt. As required by the FDCPA. I asked for 1 ) A Signed original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor. 3 ) proof that you are licensed to collect debts in Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not just pages and pages of a n account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.

I have attached the original letter requesting to confirm the debt. I also attached their response. Pages and pages of phone numbers that i don't recognize.

Credit Control doesn't get to dictate what they will or won't use to verify a debt. I would caution Credit Control in continuing to harass me. I have taken numerous credit collection agencies to small claims court and won. 

CFPB please see all of the attached documents i have provided. Credit Control is in violation of FDCPA
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX cable account opened XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX XXXX  account opened XX/XX/XXXX Account number ( XXXX ), XXXX XXXX account opened XX/XX/XXXX Account number ( XXXX ) XXXX XXXX  Inquiry from XX/XX/XXXX, Resident Verify XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 have disputed an item from conns credit several times. The amount showing owed is {$1000.00} which has been on my credit now for 9 years. I called  XXXX  and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under   XXXX   and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts # : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has all violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer
Product: Mortgage

We have been under contract on a property since XX/XX/2021 and had an initial intended closing date of XX/XX/XXXX ( 45 days later XXXX. It is now XX/XX/XXXX, and we still are not clear to close which we are being told isnt even the final step in our mortgage process. We have had now 4 extensions to the contract and are on our XXXX day. 

I am filling this complaint in an attempt to get someone within Regions to take accountability for the fact that they are not being communicative to us, that the underwriters are dragging their feet, and that they have lost all credibility with the attorneys involved in the transaction. 

Regions committed to us a 45 day closing on an IHDA mortgage. They have violated our trust, misled us in the time it would take to complete things and repeatedly asked us to provide documents we have already provided. 

We have tried letting anyone on their side who will listen know that we need them to fulfill their commitment to us, but none of them seem to care except our direct contact. Our broker and attorney have also tried to work with Regions, for which the bank has been less than communicative or responsive.
Product: Prepaid card

I am writing to file a complaint regarding my XXXXXXXX Gift Card  issued by XXXX, which expired on XX/XX/XXXX. On XX/XX/XXXX, I emailed their customer service at XXXX to inquire about replacing the expired card or obtaining a refund for the remaining balance. 

Unfortunately, I have not received any response or assistance as of today. I would greatly appreciate your help in addressing this matter.
Product: Bank account or service

I have owned a XXXX dividend reinvestment account for several years. This year the administering agency ( XXXX ) sold the account to Wells Fargo Bank. When I tried to retrieve my 2016 XXXX for this account from Wells Fargo, I was presented with an on-line agreement to waive my rights to receive hard copy tax documents in order to access my XXXX. I have been advised that this agreement violates existing federal law, and I consequently refused to sign the online waiver. Your assistance is requested to force Wells Fargo to provide me with hard copies of my annual tax documents free of charge.
Product: Mortgage

On XX/XX/XXXX, I initiated a request for refinance, with the assistance of my son, from Finance of America via XXXX XXXX, with XXXX XXXX as Loan Officer. Over a number of weeks, I complied with every document and information request, giving access to the whole of my financial identity, as well as payments to XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX as I was instructed. Those payments, {$750.00} and {$200.00}, respectively, were confirmed as received by XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX. Awaiting appraisal of my property at the end of XXXX, we expressed concern about my rate lock. XXXX reassured us, stating that she had spoken with XXXX and he said FOA would abide by the originally stated rate of 2.99 %. The appraisal was completed on XX/XX/XXXX with my copy received XX/XX/XXXX, and all requested requirements to move to close were met. Six weeks later no further information or updates provided, except for duplicates of the same appraisal report, so I expressed my anger and concern, and requested the status update from the 3 FOA employees involved ( listed above under initial filing ) on XX/XX/XXXX. No response. After numerous phone calls to XXXX XXXX she advised my son on XX/XX/XXXX that she just required my updated paystubs and we would move to close in XXXX. I submitted the next day and nothing. 
XX/XX/XXXX, XXXX months after initiating this refinance, I sent another email as a precursor to initiating more formal and legal action. This time XXXX XXXX responded that he was reassigning my file to XXXX XXXX. However, it is now apparent that this was a deceptive and fraudulent exercise on his part as he obviously had no intention of abiding by the original terms and was perpetuating the illusion that this was just a further extension of the initial processing. He continued, along with XXXX XXXX, to solicit duplicated documents and another credit check in spite of my stated concerns. Part of the process to update I was told. After 2 more months of paperwork and signatures, XXXX XXXX who was anxious to discuss on the phone before committing in writing finally unveiled his offers to accommodate the failure of his processing which essentially exceed my current rate by .5 % to 1.25 % with other nonconsequential gestures listed. How arrogant to put his self-interest based nonsense before me after all my wasted time and opportunity. No effort to address my costs and losses due to Finance of America employees.

My current mortgage is at 4.375 %, my credit score in the very good to excellent range, and my home appraisal over double the amount owed on it. This refinance was never due to need, could have been transacted with any other lender, and was initiated to take advantage of optimal rates which were still available well after my paperwork was completed
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00}