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

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I would like to write some comment on your review regarding my complaint on XX/XX/XXXX XXXX XXXX on CFPB report # XXXX. I believe I already submitted the necessary documents for the extend alert for your credit report company. Since your submitted review asked me to submit following information, I would like to write below and send this letter with a copy of FTC IDENTITY THEFT REPORT. 
REGARDING THE CREDIT REPORT ISSUED BY YOUR COMPANY, EQUIFAX, I BELIEVE I HAVE NOT EXPRESSED SO MUCH CONCERN COMPARED WITH THAT OF ANOTHER CREDIT REPORT COMPANY, XXXX. I BELIEVE I JUST REQUESTED YOUR COMPANY TO ADD EXTENDED FRAUD ALERT AND SECURITY FREEZE. I AM ON OATH THE NAME ON THE CREDIT REPORT DATABASE MUST BE MY LEGAL NAME IN XXXX AND THE UNITED STATES ; THEREFORE, MY LEGAL NAME, XXXX XXXX, SHOULD BE ON THE LIST OF ALL COMPANIES IN XXXX AND THE UNITED STATES. SINCE I KEPT MY MAIDENS NAME AS MY LEGAL NAME AFTER MY MARRIAGE, MY LEGAL NAME HAS NEVER CHANGED AFTER MY BIRTH IN XXXX ; THEREFORE, I CAN NOT UNDERSTAND WHY I HAVE BEEN MENTIONED THE OTHER NAMES EXCEPT MY LEGAL NAME, XXXX XXXX, BY SEVERAL COMPANIES ALONG WITH THE CREDIT REPORT COMPANIES. I CAN CLEARLY STATE INTENATIONALLY USED LEGAL NAME, BECAUSE I HAVE SOME ACADEMIC CERTIFICATES AND DEGREES FROM XXXX, XXXX, XXXX, THE UNITED STATES, AND XXXX. THEREFORE, I DO NOT HAVE ANY FORMER NAMES WHICH I WANT TO REMOVE FROM MY CREDIT FILE OFFERED BY YOUR COMPANY. IF YOU REMOVE, I WILL NOT HAVE ANY NAME ; THEREFORE, I NEED TO ASK THE ADVICE WHAT I SHOULD DO IN THAT CASE TO THE XXXX XXXX AS A XXXX NATIONALITY. I STRONGLY BELIEVE ALL CREDIT REPORT COMPANIES LIST MY NAME CORRECTLY. IF YOU DO NOT BELIEVE THE LISTED NAME IS NOT CORRECT, PLEASE NOTIFY ME. I WILL GLADLY SEND THE COPY OF XXXX PASSPORT. STILL, YOU NEED MORE OFFICIAL DOCUMENT TO PROVE MY IDENTITY, THE XXXX XXXX IN XXXX WILL PREPARE THE LEGAL AND OFFICIAL DOCUMENT WITH SOME FEE ABOUT {$30.00} TO {$50.00} DEPENDING ON THE CONTENT, WHICH CAN BE USED INTERNATIONALLY TO PROVE MY IDENTITY. I BELIEVE I HAVE SENT SOCIAL SECURITY NUMBER AND DRIVERS LICENSE. AND I RECENTLY HAVE PAREPARED ONE MAIL WITH A COPY OF XXXX PASSPORT ALONG WITH SOCIAL SECURITY NUMBER AND DRIVERS LISENCE. IF YOU NEED MORE OFFICIAL DOCUMENT, PLEASE LET ME KNOW WHAT KIND OF OFFICIAL AND LEGAL DOCUMENTS DO YOU NEED TO PROVE MY IDENTITY AS A XXXX NATIONAL. MAYBE, YOU WANT ME TO CHECK MY DNA WITH MY FAMILY IN XXXX ; EVEN THOUGH I AM NOT SURE WHO AND HOW WILL PAY THE COST OF THAT. I NEED TO KNOW WHO WILL PAY THE FEE OF DNA TESTS IN XXXX AND THE UNITED STATES. I WOULD LIKE YOU TO EXPLAIN THIS MATTER. 
Sincerely,
Product: Checking or savings account

I contacted a XXXX XXXX  's office for a consultation and was told that the consultation fee is {$100.00}. I paid my {$100.00} for the consultation and after speaking with the very aggressive medical staff and reading reviews I choose to go with another XXXX XXXX instead. Although I wish I hadn't wasted my money on the {$100.00} consultation I didn't worry about it. After weeks of this XXXX XXXX 's office constantly calling me, I advised them that I didn't want them to call me again I have a right to choose my own doctors. Once I reviewed my transactions on my bank account I noticed that I was charged {$950.00}. I immediately contacted my bank ( Bank of America ) to dispute this transaction because I was only supposed to be set {$100.00}. 

Bank of America gave me a credit of {$850.00} and I was told that they will contact me if they needed any other information. Well, today XX/XX/22 Bank of America without anyone contacting me reversed the transaction so now my bank account is negative {$850.00}. 

How is this legal? A doctor 's office can get upset and charge you {$950.00} and I'm responsible for that balance even tho I'm not even having XXXX with them. Bank of America is terrible and I have zero intentions of clearing up this account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RAN MY CREDIT TWICE IN ERROR! ONLY WAS TO SOFT INQUIRY.
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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

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

XXXX XXXX, XXXX XXXX XXXX, XXXX, Wisconsin...... XXXX I paid this account off XX/XX/XXXX in full in the amount of {$170.00}. Account opened XX/XX/XXXX. I had to care for my sick, XXXX XXXX, unable to get a part time job to pay off this debt, she passed on XX/XX/XXXX. I paid the account off. 

I contacted this company by phone XX/XX/XXXX, XX/XX/XXXX, by letter, XX/XX/XXXX with no results to remove the CODE, " CO '' from my credit report. 

I asked if they would REMOVE " CHARGED OFF '', since I paid the full amount, THEY REFUSED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the existence of an account on my credit report purportedly affiliated with XXXX XXXX. To date, there has been no verification of any association with me, nor has there been any provision of a written and signed contract acknowledging or agreeing to the reported debt. This has resulted in inaccurate reporting to Equifax, impacting my consumer report. 

It is critical to note that Equifax publicly disclosed a data breach around XXXX, leading to the placement of a fraud alert on my credit report to safeguard against potential unauthorized activities. Equifax 's actions in reporting this disputed account without proper verification are in violation of several rights outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1692g, as well as infringing upon my right to privacy as outlined in 15 USC 1681. 

Furthermore, XXXX XXXX has not verified nor provided any evidence of association with this debt listed on my report without my explicit written instructions to do so. I emphasize that this account has been reporting since XXXX on my credit report without my consent, surpassing the statute of limitations, and exceeding the seven-year reporting period. 

I demand the immediate removal of this account from my consumer report. Failure to address this matter promptly and accurately may result in legal action due to violations of my FCRA rights. 

I expect written confirmation of the removal of this account within the stipulated timeframe as per FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, hope life treating you wonderfully. Anyways XXXX, TransUnion and XXXX  deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you
Product: Money transfer, virtual currency, or money service

Bought a laptop from XXXX XXXX for XXXX dollars and returned it. Cash App has not returned the funds, they suggested ask XXXX XXXX. I asked XXXX XXXX and the funds were returned immediately on Saturday. I shared this with cash app and heard nothing back for over a day and am still missing XXXX dollars.
Product: Credit reporting or other personal consumer reports

Please refer to my continued complaints regarding EXPERIAN. I just saw that they have CONTINUED to persist with the same emails and updates on my " monthly reports '' I have DEMANDED CEASE. In fact, I have an open complaint with you, and the day they alleged to you they were " working on it '' they sent me another report last month, but yesterday sent another. They are NOT working on it. They are lying. I am considering actionable options if they do not stop. Why is CFPB not intervening more? I NEED HELP! I do have a contact at the area where I think I can drop by but why should I have to go to Experian and sit there waiting to meet with someone? I NEVER requested to be SPAMMED AND HARASSED! DEBT COLLECTORS TREAT PEOPLE BETTER!

Experian may never send me a single email or form of contact again unless I personally request it, and then only a single piece in that response. PERIOD. 

All my comments will remain public and I am also contacting the Texas officials as I am a legal resident there.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Mortgage

Complaint - PHH Mortgage Service I am communicating this complaint in regards to a Refinance cash out of an investment property which started the week of XX/XX/2019 from XXXX XXXX who then completely went over all of my required information and verified my reserves of {$17000.00}, before moving to XXXX XXXX on XX/XX/2019. Mr . XXXX further processed my application. During this process, and procedure all information was again verified and approved before submitting the verifications of reserves funds with the under writer department. Remember in the beginning, I was already verified for having {$1700.00} in reserves which was required, however the underwriter department requested {$30000.00}. Now this seem strange and all of sudden, I asked XXXX XXXX to have underwriter to go over their numbers again because I knew the amount was {$17000.00}, which they did. The next day, it was confirmed {$17000.00}. Well this brought red flags with me in believing they was not processing my application fairly. Then the underwriters department asked to verified my reserves which I used the information which Mr. XXXX used, my bank savings accounts, my XXXX XXXX   investment plan as well as my XXXX XXXX account. Underwriters came back and said they could not use the XXXX  account nor the XXXX XXXX account, stating they do not grant credit to any terms and conditions requested. The terms and condition they were talking about is the disclosure statement showing that I am the account Holder irregardless of others on the account and if I ever needed the funds I would be penalized for 10 % plus State and Federal Tax prematurely which would not have an affect on them just me. This is standard on any IRA, Roth, retirement savings etc. They opted for this, without stating the guidelines under XXXX XXXX or XXXX XXXX, to justify. So I researched the Guidelines, and it stated funds that can not be withdrawn under circumstances owners retirement, employment termination, or death can not be counted as part of the borrowers reserves. Their guidelines listed whats acceptable source of reserves and Unacceptable source of reserves. In orders words the XXXX investment plan can be used and they decided on their own not to. Unacceptable. Retraining is needed here. 

Further, I have been with this company for many years and they handled two of my loans if a company, cant satisfy their customers fairly then customers dont need their servicing because of unfair practices. I hereby request an investigation into PHH mortgage Loan process particularly their underwriters department in processing refinance loans and the reserves verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX BANK XXXX Has violated my rights 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 with my written instructions.
Product: Mortgage

Effective XX/XX/2019 DiTech Financial transferred the loan servicing to XXXX XXXX   XXXX XXXX XXXX. As of the XX/XX/2019 DiTech Statement Date the escrow balance read XXXX. My check no. XXXX added XXXX to the escrow balance. The XX/XX/2019 escrow balance should have read XXXX. As of XX/XX/2019 XXXX XXXX shows escrow balance of XXXX. No statements have been received from either DiTech or XXXX to show the transactions causing the difference in escrow balance.
Product: Credit card

I charged {$5900.00} on my Citibank credit card in XXXX XXXX. I disputed the amount on or about XXXX XXXX. The disputed amount was credited to my account in or about XXXX XXXX. Then in or about XXXX of XXXX my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.
Product: Student loan

I have tried to resolve this issue numerous time through with XXXX XXXX directly and also a previous compliant with CFPB. My student loan account is being INCORRECTLY report. I was awarded a forbearance from XXXX XXXX XX/XX/XXXX and XXXX is incorrectly reporting late payment. XXXX claims that such reports would not be updated due to regulations the FCRA of the initial accurate reporting. Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section XXXX ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion ( below ) which interprets Section XXXX ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the XXXX XXXX ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX awarded me a forbearance starting XX/XX/XXXX through XX/XX/XXXX thus my payment history should report as such. * This fact is also stated by XXXX that they in deed granted a forbearance for that time period. XXXX ( a ) ( 2 ) clearly shows that the reports must be UPDATED/CORRECTED regardless of whether they were accurate at one point. I am requesting that in compliance with Section XXXX ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a late payments from XX/XX/XXXX to XX/XX/XXXX be updated and/or corrected on my XXXX, XXXX, and XXXX XXXX reports. XXXX violations to XXXX XXXX ( a ) ( 2 ) of the FCRA and refusal CORRECT my credit report are currently causing damages to me personally and inhibiting me from receiving the best interest rates in my home buying process. Below is the link to the FTC advisory opinion I stated earlier. I have also attached payment history from web portal on the XXXX website showing my account coming out of forbearance and not starting repayment until XX/XX/XXXX. I have attached both screen shots and exported XXXX XXXX XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 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 XXXXXXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Product: Money transfer, virtual currency, or money service

Paypal stole my money and closed my account so that I couldn't log into my account, which contained more than {$4000.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- FIRST PREMIER BANK-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/23 I bought a fuel pump assembly at XXXX received XX/XX/23. XXXX order # XXXX. XXXX resold a defective customer return fuel pump assembly that had to be discarded, requiring me to use my grocery money to pay extra to replace parts & labor is the very definition of hardship. I filed a dispute with Bank of America # XXXX. XXXX posted charged, then released, then recharged creating a negative balance in my account. XXXX reps previously reference a " non-renege '' clause relationship with Bank of America which is clear bias proving the bank 's reluctance to process my refund credit as they are clearly in XXXX 's corner. 
This bank owes me not only a provisional credit of {$61.00} to replace what XXXX stole, but a permanent credit as XXXX demonstrated intent not to refund on an item that never should have been sold in the first place. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.
Product: Credit reporting or other personal consumer reports

credit inquiry on XXXX from discover financial not authorized with me. credit inquiry on XXXX from XXXX XXXX  not authorized with me.
Product: Credit reporting or other personal consumer reports

I did not authorize following hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )