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

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear sir, I have received the documents prepared on XX/XX/XXXX and XX/XX/XXXX. XXXX of them written on XX/XX/XXXX asked me to specify the desired date range for my security freeze, and your office representative asks me to submit the personal information including passport. As I have already submitted the same above-mentioned address the copies of necessary information, such as XXXX passport, social security card, and drivers license, I do not think your office need them ; but only in case your office lost these important and precious information by some reason. In this case, your office representative might need to indicate to clarify the suspicion he/she might be a reason of data breach which your company headquarters is trying to solve by settlement with me. The legal representatives of your company settlement of data breach admit my data was breached. In case, you lost my identification from your record, therefore, you might be the reason of this settlement. Anyway, your representative asked me to specify the desired data range of security freeze, I request from today, XX/XX/XXXX, until my death, probably, XXXX/XXXX/XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} Equifax : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX  XXXX Balance : {$850.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00}
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX and XXXX  have inquiries on my credit report. that are not mine. 
INQUIRES : XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX  XXXX, XXXX XXXX, XXXX/XXXX  XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with TransUnion since last year because of their unlawful and unauthorized reporting. 
To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. 
My last communication with TransUnion was on XX/XX/XXXX, where once again ( previously submitted more disputes ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to XXXX XXXX XXXX they had to block the information being disputed and correctly identified on the XXXX report in XXXX days. 

Today is XX/XX/XXXX and said information is STILL being reported. I filed several complaints and instead, they have DELETED my disputes from their system ( or at least from my side that I can see ) they have BLOCKED my ability to retrieve my report from their website and from the annual credit report website. I have submitted complaint # XXXX which is still open and they have not solved the issues. 
They continue reporting a hard inquiry from XXXX made on XX/XX/XXXX which had no permissible purpose and WAS INCLUDED in my XXXX identity theft report. 

BY LAW, XXXX WAS TO BLOCK SAID INFORMATION WITHIN XXXX DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX  Balance : {$4400.00}
Product: Checking or savings account

Hello XXXX XXXX kept charging my Wells Fargo account. I contacted the bank and informed them that I did not authorize the last transaction and to stop all payments from XXXX XXXX. Wells Fargo disconnected my card and still allowed the merchant to charge me. Also they never sent me a new card even tho I had money in my account. 
At this time the account balance is in the minus as a result of the XXXX XXXX transaction. The bank has closed my account with has caused me other issues regarding payments to other financial institutions. 

I have been with Wells Fargo for over 10 years
Product: Credit card or prepaid card

I have Capital One XXXX XXXX. I had used this card for a airline XXXX XXXX XXXX ticket purchase. Our trip was cancelled. The airticket has XXXX parts - XXXX for airfare and another one for luggage. We were suppose to get the {$60.00} luggage fees back from Capital One. We filed a dispute with Capital One. It went for a while - we provided all the required documentation to support our case. Capital One can not do much. Dispute was closed. 

I relocated from XXXX AZ to XXXX TX. 
Now when i logged into my account after weeks - come to know that I am subject to late fees and interest on that? What???? 
When capital one sent me any statement? When i logged in there was no way to chat with anybody. It was all so confusing ... it seems capital One refunded our dispute amount first and later took it away from us. We did n't got any paper statement. I just got one email  notification and I logged into my account and witnessed this late fees for no fault of mine. They should have at least sent me the letter stating money refunded and then charged and the late fees -but nothing? And moreover I have no idea when they refunded and took that money back - where is the late fees? I made the payment for only {$60.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I attempted to contact a human being at Experian and as in the past I was unsuccessful, even though I spent several hours in the attempt! My reason was according to a written communication I received from Experian I had requested a fraud alert. No such request was made! My information is supposed to be frozen. 


I used several sources from the Internet to attempt by virtue of multiple telephone numbers. In addition I contacted XXXX to insure my credit freeze still existed in their records and found it had been supplanted by a fraud alert issued by Experian. Additionally I contacted XXXX  and found that the fraud alert had been placed by Experian on my account there as well, but I did find that the freeze remained in place. 


I am not happy with any service I have ever requested from Experian! I would like my record expunged from these people as I believe they are not capable of securing my information! Is that possible, and can you tell me how to accomplish the task?
Product: Credit reporting or other personal consumer reports

My rights are constantly being violated under the FCRA because I have notified TransUnion that they are reporting inaccurate information and they have not properly verified or investigated any information but continue to report the same inaccurate and misleading information on my report. I disputed this information and not only did they not fix this error, but they also failed to mark this account as being disputed within 30 days of receiving my letter ( s ) which is also a violation of my consumer rights in particularly a violation pursuant to FCRA Section 623 ( a ) ( 3 ). USPS tracking number is XXXX  and they received my letter on XX/XX/XXXX  and sent back a correspondence dated XX/XX/ stating that they investigated the information I disputed and the disputed information was " verified as accurate ''. I have attached a new credit report still showing the inaccuracies with no notice of dispute that should of been reported along with receipts and previous letter.
Product: Debt collection

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 - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


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 have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXXXXXX XXXX XXXX XXXXXXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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: Credit reporting, credit repair services, or other personal consumer reports

1. I previously disputed this account on my credit report on XX/XX/XXXX, as a result the company SCR solutions responded with a judgement by confession, and not the documentation required. 

2. Although the company did not produce the proper FCRA validation documents to validate the account CFPB still closed the the complaint. 

3. On XX/XX/XXXX I received an email from XXXX XXXX, with the judgment of confession paperwork and a narrative stating that they had communicated with me before about this account and that I did know about the account. ( email and time stamp attached ). 

4. I immediately on XX/XX/XXXX responded to XXXX XXXX XXXX email and explained that I was not disputing having knowledge of the account, but that I was instead asking for validation of the accurate information involving the account. ( Email and Time stamp are attached ) Email read : On Wed, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : XXXX XXXX, ( XXXX XXXX XXXX ) We have received your attempt to again try to dispute or claim you have no knowledge of this debt. 

( XXXX XXXX ) Dispute was that the information you are reporting on my credit report is incorrect. I did not dispute not having knowledge of account. 
You again have not responded to my request for information on : WHY DOES THE DATE OF LAST ACTIVITY KEEP CHANGING EVERY MONTH? WHY ARE YOU RE-AGING THIS ACCOUNT? 

( XXXX XXXX XXXX ) This judgment has been sent to you many times. 

( XXXX XXXX ) What is the statute of Limitations for the confession of Judgement? 

The judgement you sent has a different name on the account, please send me the following : 1. The original contract?

2. Your authorization to collect on behalf of the entity listed in the document you sent in the state of Arizona? 
3. Account information showing the correct Balance? 


( XXXX XXXX XXXX ) You have spoken to 3 different people here and always seem to go back into your hole once we reach out. 

( XXXX XXXX ) I hope that isn't a XXXX reference, very disappointing ... ... 

( XXXX XXXX ) If you want to resolve this and get it off your credit, then please reach out. Otherwise, please stop trying to dispute something that you are well aware that you owe. 

( XXXX XXXX ) I intend to resolve this matter, please provide the information requested. 

5. I have not heard back from SCR solution since I emailed them on XX/XX/XXXX. 
Today is XX/XX/XXXX. XXXX which is over the 30 day response time and being that the correspondence was over email THEY RECEIVED MY REQUEST! 

6. This company : -Has not responded in the 30 day window -Has not provided account validation information I ave requested
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to Equifax disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. 

By XX/XX/XXXX, I still had not received an update and submitted a 2nd dispute letter of my personal information and public record as I had learned of some identity theft and fraud and that I was affected by their data breach. Their report had 9 erroneous addresses, and 3 employers which I requested to be deleted. There were approximately 10 plus paid and closed accounts that were 10 to 18 years old. I also requested proof of verification of the public record/bankruptcy they were reporting for me and documentation of the method of verification with the Court. 
On XX/XX/XXXX I received an email that my dispute was complete and an updated report via mail on XX/XX/XXXX. It doesn't appear they investigated at all! They failed to provide any proof or documentation of the disputed items and simply added " consumer disputes '' to the disputed items. 

I asked to dispute the public record again with proof they verified with the XXXX  Court and not the 3rd party XXXX XXXX as they did not have my authorization or consent to acquire information on me or the accuracy of the public record as they had not verified any information they collected with the creditor or courts. 

I advised that I was affected by the Equifax data breach and it did not matter at all. After 3 disputes, they continue to report unverified inaccurate information and have not provided me with any documentation regarding these unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's online credit freeze portal has been down for close to A YEAR with zero changes made. Their phone tree keeps trying to get you to hang up and try to place a credit freeze on their website where SURPRISE : it doesn't work and you need to call them back again. The portal has been down since AT LEAST XX/XX/2019. 

They are dishonestly making it very difficult to add a security freeze.
Product: Mortgage

This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : Bayview Loan Services, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX Bayview Loan Servicing filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX  Society of XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by Bayview LS. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX  is  under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4   servicers/owners. They are abusing me because I am a defenseless XXXX XXXX XXXX XXXX   that will turn XXXX next XXXX, and which health has XXXX with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.
Product: Debt collection

In XXXX of 2022 ( call recorded ), I contacted Conns Inc. to inquire about how they were reporting information on my credit report. Specifically, I asked Conns if they would report the alleged debt they said I owed a collections agency if a payment was not made, and the collections agency said that they would. After speaking to an attorney, he advised that because this account was included in bankruptcy they violated the injunction placed on the debt at the time of bankruptcy, and therefore violated federal law. He encouraged me to submit a CFPB complaint and is ready to take further action in the event that the demands made in this complaint are not satisfied.
Product: Debt collection

On XXXX I was contacted multiple times by BMG money after telling that that I was at work at would call them back. 

XXXX-I was waiting for a XXXX  meeting to start and sent the call to voicemail ( they did not leave a voice mail ) XXXXStill waiting for a Zoom meeting to start, took the call and advised XXXX I would call back and that was at work XXXXCalled by an autodialer, placed on hold for 3 minutes, connected to XXXX who I told I was at work, and asked why they called after I told them I was at work. XXXX advised that it was an auto-dialer that called me. I responded their auto-dialer is not my problem and should be able to abide by the FDCPA and honor my request to not call me at work. 

I find multiple phone call days to be harassing
Product: Credit reporting

Had a second mortgage by me and my x wife in the divorce she got the house and agreed to pay the second mortgage she fell behind and I did not no until I checked my credit report I contacted the mortgage co. To see if I could get a bill or making adress so I can pay if she falls behind more they refused to give me any information I told them I have a different mailing adress and they still refuse to send any info but they are hitting my credit every time she falls behind I even offered to take over the account but they still refused
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a chase business card. I have been a long time chase customer with excellent payment records. I was declined the card and when I contacted customer service for reconsideration I was told I was denied because chase has an rule regarding having more the 5 cards in the last 24 months. I told the agent in that same month some cards would be coming out of the 24 month period in XXXX. The agent told me she saw what I was referring to and I should call back on XX/XX/XXXX to request reconsideration. When I called on XX/XX/XXXX the agent refused to further look at my account and said I had already spoke to an agent. I tried to explain to him that I was told to call back on this date, but he would not take into consideration what I was saying. I requested to speak with a escalation specialist. This agent told me there are no escalation specialist available on weekend. I requested a call back from the escalations department and I was told they would I would receive a call back on Monday or Tuesday of this week. That call never came.
Product: Checking or savings account

My card and my drivers license with my wallet was taken and stolen from my on XXXX XXXX and my debit card was fraudulently used online for a merchant I have no past transactions with for the amount of {$1800.00}. I contacted and reported the fraudulent unauthorized use to my bank company Sofi and the are refusing to resolve my issue. I filed an appeal and they are denying me my rights as a consumer. I found the contact information of the merchant and contacted them as well as reported them to the FTC. My bank company is refusing to help me through this process and I am seeking legal action soon if my needs are not met
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instruction